Mitundu ya Mapindu a Ogwira Ntchito ndi Zopangira

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Kodi wogwira ntchito amapindula chiyani? Ndi phindu lanji ndi zofunikira zomwe mungayembekezere kulandira pamene mukulembedwera ndi kampani? Wogwira ntchito amapindula phukusi ndiphindu zonse zopanda malipiro, monga inshuwalansi ndi nthawi yolipira, zoperekedwa ndi abwana. Pali mitundu ina ya mapindu a ogwira ntchito omwe amalamulidwa ndi lamulo, kuphatikizapo malipiro ochepa, nthawi yowonjezereka, kuchoka pansi pa Family Medical Leave Act, kusowa ntchito, ndi kubwezera antchito ndi kulemala.

Palinso mitundu ina ya mapindu ogwira ntchito omwe makampani sakufunika kupereka, koma sankhani kupereka antchito awo. Pali zothandiza ndi zofunikira zomwe mungathe kukambirana monga gawo la phukusi lanu la ndalama zomwe mwalandira popatsidwa ntchito yatsopano.

Kodi Ntchito Yabwino Ndi Chiyani?

Zopindulitsa za ogwira ntchito ndi malipiro osapereka malipiro omwe angakhale osiyana ndi anzawo. Ubwino ndi malipiro osalunjika ndi opanda malipiro mkati mwa phukusi la malipiro. Zimaperekedwa ndi mabungwe kuphatikizapo malipiro kuti apange mpikisano wokwanira mpikisano wa wogwira ntchitoyo.

Mitundu ya Mapindu Ogwira Ntchito Ovomerezeka

Zotsatirazi ndizopindulitsa ndi zopindulitsa zomwe olemba ntchito amafunidwa ndi malamulo a boma kapena boma.

Mitundu ya Mapulogalamu Opatsa Opatsidwa ndi Operekera

Kuphatikiza pa zopindula zomwe lamulo likufuna, zina zimapindula ndi makampani chifukwa amadzimvera ndi anthu ogwira nawo ntchito ndipo amatha kuwapereka koposa momwe akufunira.

Malingana ndi kampaniyo, mapinduwa angaphatikizepo inshuwalansi ya umoyo (yomwe ikufunika kuperekedwa ndi makampani akuluakulu), inshuwalansi ya mano, masewera osamalira, inshuwalansi ya moyo, kuchoka kwa tchuthi, kuchoka kwanu, kuchoka kwa odwala, kusamalira ana, kusamalira thupi, ndondomeko yopuma pantchito, ndi Zopindulitsa zina zomwe zimaperekedwa kwa antchito ndi mabanja awo.

Zopindulitsa za ogwira ntchitozi zomwe zimaperekedwa ndizozindikira kwa abwana kapena zogwirizanitsidwa ndi mgwirizano wa ntchito, kotero zidzakhala zosiyana ndi anzawo. Malingana ndi Bureau of Labor Statistics , chiŵerengero cha maholide omwe amaperekedwa chaka ndi chaka ndi 10. Ambiri a masiku a tchuthi ndi 9.4 pambuyo pa chaka cha utumiki.

Ogwira ntchito pafupifupi theka (akuluakulu ndi akuluakulu) omwe adafunsidwa amapereka phindu lopindulitsa kapena ndondomeko ya penshoni. Pafupifupi 75% amapereka inshuwalansi yaumphawi, koma pafupifupi onse amafuna ntchito yothandizira pa mtengo. Sizovuta kuyang'ana ndimeyi ndikuwona momwe abwana anu kapena ntchito yanu ikuyankhira.

Kuwonjezera apo, pali ntchito yowonjezereka ya mabhonasi, zosowa, ndi zokakamiza ndi olemba ntchito kuti apeze ndi kusunga antchito. Tawonani makampani ayesa malo abwino kwambiri oti agwire ntchito ndipo mudzapeza ambiri omwe akupereka masewera olimbitsa thanzi labwino, ndondomeko zosinthika, kusamalira tsiku, kubwezeretsa maphunziro, komanso kuyeretsa malo.

Wogwira Ntchito-Anapereka Inshuwalansi Zaumoyo Zaumoyo

Pansi pa Chitetezo cha Odwala ndi Zopanda Thandizo Labwino (Obamacare), ziwerengero zochepa zomwe zimayikidwa ku makampani a inshuwalansi zaumoyo zokhudzana ndi ntchito ndi kufalitsa. Olemba ntchito ambiri omwe ali ndi antchito 50 kapena ochuluka akuyenera kupereka mapulani a zaumoyo, ndipo aliyense akuyenera kukhala ndi chithandizo.

Kusinthana kwa zaumoyo kwasungidwa kwa antchito amene sali olembedwa ndi olemba ntchito kapena omwe amasankha kufufuza kunja kwazinthu za abwana awo.

Njira Za Inshuwalansi Zaumoyo

Olemba ntchito ambiri amapereka antchito omwe ali ndi ndondomeko za inshuwalansi zachipatala kuti athe kuthandiza ogwira ntchito zothandizira zaumoyo. Olemba ntchito nthawi zambiri amapereka mndandanda wa zosankha zothandizira zaumoyo, kuphatikizapo Health Maintenance Organizations (HMOs) ndi Mabungwe Omwe Amapereka Othandizira (PPOs).

Zowonongeka (kodi antchito ayenera kulipira liti chisanafike inshuwalansi mu) akulipirira zofunika pa ntchito ndi mapepala apadera pazinthu zosiyanasiyana. Ma HMO amakonda kukhala ndi malipiro apansi kusiyana ndi ma PPO, koma zoletsedwa ndi madokotala ndi opereka omwe angapezeke.

Ndondomeko zidzakhala zosiyana ndi zomwe ndalamazo zimagwiritsidwa ntchito ndi wogwira ntchito m'chaka.

Health Insurance Inshuwalansi

Zolinga zambiri zimapereka chithandizo chokayendera madokotala ndi akatswiri, madokotala, ndi chisamaliro chapadera. Chithandizo chamankhwala chosiyana, ubwino, mankhwala, masomphenya ndi chithandizo cha ma mano amasiyana ndi dongosolo ndi abwana.

Olemba ntchito amafunika kupereka chithandizo kwa ogwira ntchito omwe amatha maola 30 pa sabata. Ena ogwira ntchito nthawi yina amagwiritsidwa ntchito ndi ndondomeko za abwana, koma ambiri saphimbidwa.

Olemba ena amapereka chilimbikitso kwa ogwira ntchito kuti asankhe zochita zawo. Zochitika zam'tsogolo zikuwonetsa kuti abwana akufunsa antchito kuti awonjezere kuchulukanso kwapadera kwa zolinga.

Mapulani a Kusamalira Manyowa

Makampani okhala ndi chithandizo cha meno amapindula inshuwalansi yomwe imathandiza kulipira gawo lina la mtengo wa mankhwala a mano ndi chisamaliro. Mogwirizana ndi ndondomeko ya kampani ya ubwino wa chithandizo cha mano, kupatsirana mano kumaphatikizapo njira zosiyanasiyana zamankhwala ndi njira. Mapulani ambiri a inshuwalansi amayang'ana njira zoyenera monga mano ozoloweretsa kutsuka miyezi isanu ndi umodzi.

Ndondomeko zothandizira mano amasiyana kwambiri ndi kampani, koma izi zimaphatikizapo magulu atatu: Zowonongeka, Zachikulu, ndi mautumiki akuluakulu, omwe amasiyana ndi kuyeretsa kwapakati pa chaka ndi chaka. Zopindulitsa za mano amodzi ndizo mayeso, x-ray, sealants, mankhwala a fluoride, ndi chisamaliro chapadera cha ana.

Ntchito zoyambirira zikhonza kuphatikizapo kudzazidwa, kupuma kwadzidzidzi, mizu ya mizu, ndi korona za mano. Pomalizira, mautumiki akulu angaphatikizepo mlatho, madzinso opatsa nzeru, kuchotsa mano, ndi njira zina zovuta. Zina zimakonza zochitika zonse, monga ntchito ya orthodontic kuphatikizapo chisamaliro chapadera cha mano.

Zopindulitsa zenizeni za dongosolo la kusamalira mano zimayikidwa m'njira zingapo. Makampani ena amatha kufotokozera ndalama zawo mwachizoloŵezi, mwachizolowezi, komanso moyenera (UCR), pamene ena amawona kuti ndalamazo zimakhala zofunikira chifukwa cha nthawi yomwe amalipiritsa kapena patebulo la malipiro. Kudziwa phindu ndi zosankha za Dental Plan zingakuthandizeni kupewa zosayembekezereka komanso kulipira. Ngati mukuyenera kulipira kubwereka kwa mano kudzera mwa abwana anu, apa ndi momwe mungadziwire ngati kuli koyenera ndalamazo.

Kampani Yambiri-Yopindulitsidwa ndi Ogwira Ntchito

Zopindulitsa za ogwira ntchitozi zomwe zimaperekedwa ndizozindikira kwa abwana kapena zogwirizanitsidwa ndi mgwirizano wa ntchito, kotero zidzakhala zosiyana ndi anzawo.

Kupindula ndi Zopindulitsa

Mapindu ena amasiyana pakati pa mafakitale ndi malonda, ndipo nthawi zina amatchedwa "mphoto". Zopindulitsa, zomwe zimadziwika kuti "zopindulitsa mwachikhalidwe" zingaphatikizepo mabhonasi, kugawira phindu, mankhwala, kulemala, inshuwalansi ya moyo, zolipira zothandizira, chakudya chamagulu, galimoto, masiku enieni, kupita kodwala, nthawi zina kuchoka kuntchito, pantchito yopuma pantchito ndi zopereka zapenshoni, zopereka maphunziro kapena kubwezera kwa antchito ndi / kapena mabanja awo, kuchotsa pa katundu wa kampani ndi ntchito, nyumba, ndi zopindulitsa zina zomwe zimaperekedwa ndi makampani Kuwonjezera pa malipiro a ogwira ntchito.

Ngakhale kuti phinduli liri lopindulitsa ndipo lili ndi ndalama zamtengo wapatali, malipiro a ogwira ntchito amakhalabe ofanana, ndipo wogwira ntchito sangathe "kulipira" kapena kugulitsa zopereka zapadera. Zopindulitsa sizimayenera ndi lamulo ndipo zimasiyana ndi abwana ndi abwana.

Onaninso Phindu Lanu Labwino Wogwira Ntchito

Kaya mukufufuza ntchito, mumasankha ntchito, kapena mumagwira ntchito mosangalala, nkofunika kuti muwone momwe ntchitoyo ikugwiritsire ntchito phindu ndikupereka ngati pulogalamuyo ikuthandizani phukusi. N'kofunikanso kugwiritsa ntchito mokwanira zomwe kampani ikupereka kwa antchito.

Ubwino Wogwira Ntchito Mafunso Ofunsa

Alipo antchito amapindula ndi mafunso omwe muyenera kufunsa, kuonetsetsa kuti ndondomeko yanu yowonetsera ndalama ndi yoyenera kwa inu ndi banja lanu. Komanso, funsani mafunso enieni pogwiritsa ntchito zosowa zanu komanso pazofunikira zomwe mukufunikira.