Zvikwereti zvePasi Pasi paKunzwisisa maParamende ekuverengwa
Premium Calculation
Vashandi vanobhadhara mapurogiramu vanoverengerwa zvichienderana nemhando inotevera:
RATE X (PAYROLL / 100) X Chiitiko Modifier = PREMIUM
Pane zvipimo zviviri zvakakosha mune iyi equation: chiyero uye ruzivo rwekuchinja .
Kunzwisisa Zvaunofunga
Kuyera kwevashandi ekubhadhara inshuwarisi kunobva pane imwe nzvimbo yehutano . Vashandi vari mumabhizimisi mamwechete vanoita mabasa akafanana vanopiwa zvikamu zvakafanana. Kuenzanisira kunopiwa nehofisi yepamusoro. Zvichienderana nehurumende yako, hofisi yacho inogona kuva iyo National Council on Compensation Insurance (NCCI) kana sangano rehurumende. Chikamu chimwe nechimwe chinopiwa chiyero. Vashandi vanobhadhara mitengo vanoratidza ngozi yebasa, mikana yekuti vashandi vachakuvara pabasa. Mimwe mabasa inotyisa kupfuura vamwe. Basa rekuveza ndiro riskier kupfuura basa rehofisi. Nokudaro, chiyero chebasa rekugadzira denga chakakwirira kwazvo kudarika mukana wekubasa.
Premium Kubva pa $ 100 yePepa
Chimwe chinhu chakakosha muhutano hwevashandi ndeyekubhadhara kwako. Mubhadharo wako akaparadzaniswa ne100, uye mugumisiro unowedzera nezviyero. Somuenzaniso, funga kuti mubhadharo wako ndeye $ 500,000 uye mukana wako i $ .15. Mari yako yekubhadhara ($ 500,000) yakaparadzaniswa ne100 i $ 5,000. Mutengo ($ .15) wakawedzerwa ne $ 5,000 i $ 750.
Kunzwisisa Yako Modifier
Chiitiko chinogadziriswa chinonzi chikamu chakakosha chekuverenga. Icho chimiro chechimiririro chekurasikirwa kwekambani yako kufananidza neyero yebhizimisi yako. Kana kurasikirwa kwako nhoroondo isinganzwisisiki, yako kugadzirisa inofanira kuva 1.00. Kurasikirwa kwenhau iyo iri nani kudarika mavhareji ichaita kuti kuchinja kunenge kudarika 1.00. Saizvozvowo, your modifier ichave yakakura kudarika 1.00 kana kurasikirwa kwako kwenhau kwakaipisisa kudarika zviyero. Zvichienderana nehutano hwako, shanduko yako inogona kuverengerwa neCNCI kana nzvimbo yako yepamusoro yebazi.
Muchidimbu cherongwa rwuri pamusoro apa, unogona kuona kuti kuchinja kwaunoita kuwanda kwepayamu. A modifier iyo inopfuura pasi pe100 ichaderedza purogiramu yako, asi mutungamiriri mukuru kupfuura 1.00 achawedzera. Ngatitii iwe wakashandura ndewe .90, iwe unobhadhara mari ye $ 500,000, uye iwe uwandu uri $ .15. Mari yako yekupedzisira ye $ 675.
$ .15 X ($ 500,000 / 100) X .90 = $ 675
Iye zvino fungidzira kuti kuchinja kwako ndeye 1.1. Zvakare, mubhadharo wako ndeye $ 500,000, uye chiyero chako chiri $ .15. Panguva ino premium yako yekupedzisira i $ 825.
$ .15 X ($ 500,000 / 100) X 1.1 = $ 825
Chengetedza Chishanduko Chako chekuderedza Purogiramu Yako
Bhizimisi rako rine zvishoma kudzora pane kurasikirwa kweruzivo rwebhizimusi rako kana kuti mitengo yakagoverwa pane zvaunosarudza.
Kunyange zvakadaro, unogona kushanda kuderedza mari yako yepurayamisi nokutora matanho ekuderedza yako modifier.
- Ita Kuti Kuchengeteka Kuve Pakutanga Kukosha Nokuchengetedza nzvimbo yakachengeteka yebasa , zvose uye kubva panzvimbo yako, iwe unogona kubatsira kuderedza kukuvara kwevashandi. Kana zvichikwanisika, bhajeti yekunze kwekuchengetedzwa kwekuchengetedza uye kuisa shanduko dzakataurwa. Mandate mushandi wekuchengetedza. Nokuda kwekuti iwe wakashandura huwandu huri mu premium kuverenga equation, kuderedzwa kuduku kungaita kuti uwane mari yakawanda.
- Simbisa Kudzokera Kubasa Rokushanda Purogiramu yekudzokera kune imwechete inogona kubatsira kuchengetedza vashandi vanokosha kana kuderedza mari yevashandi zvikwereti zvemari. Purogiramu yakagadzirirwa kudzoka vashandi vakakuvara kubasa rekukurumidza pakarepo apo vanokwanisa kurapa mishonga.
- Inyoresa muhurumende Inotsigirwa Zvirongwa Dzimwe hurumende dzinotsigira hurongwa hwekuvandudza kuchengetedzwa mukudzoka kwekuderedzwa kwevashandi vako mari yekubhadhara. Semuenzaniso, mashomanene enyika anopa kuderedzwa kwepamberi kuvashandi vanobatanidzwa muDhipatimendi reMishonga Yekushanda Pabasa. Kumbira vashandi vako mari yekubhadhara mari pamusoro pezvirongwa zviripo munyika yako.
- Iva Chikamu Cheboka Seboka. Dzimwe nyika dzinopa zvikwereti zvakakura kumapoka akazivikanwa. Izvi zvinonzi boka rekuyera. Kuti uwane chikamu cheboka, bhizinesi rako rinofanira kuva nerinani kupfuura kupfuura kwekuchengetedzwa kwenhoroondo. Mabhizimisi matsva angave asina kukodzera. Tanga iko zvino kuti uite pfungwa yekuchengetedza-yekutanga pfungwa nechinangwa chokuva boka-yakarongwa.
Ongorora Zuva Rako
Mabhizimisi mazhinji haatongorongedzwi zvisina kukodzera pamitemo yavo yekubhadhara vashandi. Kuenzanisa zvikanganiso zvingada mari. Somuenzaniso, ngatitii mubatsiri wenyu mukuru anotaridzirwa semuvezi kubvira iye achishanda nekambani yako yekuvaka. Vashandi vekubhadhara mari yevashandi vachave vakakwirira zvikuru kudarika mutengo wevefundisi. Kana iwe uchifunga kuti yakasimba yako yakagoverwa zvisiri izvo zvakasarudzwa, bvunza sangano rako re inshuwarisi kana kuti mutengesi kuti uzviongorore. Iwe unogonawo kukumbira kuongororwa kwechikwata kubva kuCNCI kana kuti nzvimbo yako yepamusoro.
Kudzokorora Payroll Zviyero
Vashandi vanobhadhara mari yepurayamisi inobva pakuongororwa kwebhadharo yenyu kune nguva ino yemaitiro. Kana zviyero izvi zvakanyanya, purogiramu yenyu ichave yakakwirira kudarika iyo inofanira kuva. Nhamba yako yepamusoro ichagadziriswa apo sarudzo yako iongororwa , asi kuongororwa hakugone kuitika kusvikira mwedzi mushure mokunge mutemo wako wapera. Iwe haufaniri kumirira. Kumbira bhizimisi yako kuti uchinje mari yako ikozvino.
Chinyorwa chakagadzirwa naMarianne Bonner