Kuva Nekugadzirisa Kwevashandisi Inishuwarenzi Inobatsira Bhizinesi Rako
Muzviitiko zvizhinji, kana iwe uine vashandi, mhinduro ndeyee, izvo zvinoreva kuti iwe unofanira kutora bhizinesi rako nebazi rako reProvincial Workers 'Compensation Board (WCB) uye ubhadhara premium yeVashandi' Compensation inshuwarse (WCI) inobva pakushambadzira kwekambani yako.
The Alternative is Worse
Iwe usati watanga kutuka, funga nezvimwe.
Ko kana umwe wevashandi vako akakuvadzwa pabasa? Ko bhizimusi rako ringakwanisi kubhadhara mari yezvemishonga, chero chii chakaipisisa chakapiwa nematare, uye mari yekuvandudza kwake?
Zvakadini kana mushandi anopfuura mumwe akakuvara? Kupa Kwemishandiro Inishuwarenzi yevashandi inodzivirira vashandisi kubva kumhosva dzinokonzerwa nekukuvadzwa kune vashandi. Inodzivirira bhizimusi rako kubva pamhosva uye rinopa vashandi nembairo yekukuvadzwa kwebasa.
Nheyo yeVashandi 'Mvumo
Bhuku reVashandi 'Compensation Act rinotungamirirwa nemutemo weMeredith, wakarondedzerwa naiye Mutongi Mukuru weOntario, Sir William Meredith, mumushumo wake pamusoro pemari yevashandi makore anopfuura makumi mapfumbamwe akapfuura.
Izvo zvikamu zvina zvehutano ndeyekuti vashandi vanotakura mari yakananga yekubhadhara, vachiwana kudzivirirwa pamhosva dzinokonzerwa nekukuvara; vashandi vanorega kodzero yekupomera vashandirwi vavo uye kugamuchira zvikwereti zvisingabhadharwi nezvekukuvadzwa kwakabatanidzwa nebasa; kusava nehanya uye kukanganisa kwechikonzero chekukuvara hakusi kufunga; uye sangano rinotungamirirwa nehurumende risina zvematongerwo enyika raizova nekutonga kwezvinhu zvose zvichibva mumutemo unobatsira.
Iri sangano risina zvematongerwe enyika rakava Workers 'Compensation Board (WCB).
Basa Rako seMushandi
Sekushandira, mabasa ako, (kunze kwekunyora neWCB yakakodzera uye kubhadhara mari yemaripo), inofanira kushanda nevashandi kudzivirira zvirwere nekukuvara, uye kurondedzera kukuvadzwa uye kubatsira vanenge vakuvara vadzokera kubasa.
Sezvaunenge watofungidzira, Mvumo yeVashandi inotarisirwa pasi pepakati pane kudyidzana, izvo zvinoreva kuti mabhizimisi anofanirwa kutakura Bhizimisi reMishandiro ekubhadhara mari uye mabhizimisi angasarudza kutakura Indishuwarenzi yeMishandiro yeVashandi vanosiyana kubva kuchikoro kusvika kune imwe nzvimbo.
Ndiani Anofanira Kunyora?
Kazhinji, kana bhizimusi rako richibatanidzwa , kana kuti iwe une vashandi, unofanira kubhadharira newaunoshanda wepurovhinzi yeBurumende 'Compensation Board' kana WCB (uye ubhadhara premium Insurance Workers 'Compensation insurance). Soft proprietors kana vashandi vanozvimirira vari kushanda mabhizinesi asina unincorporated vasina vashandi havafanirisi kubhadhari yeVashandi 'Inopa Indishuwarenzi, kunyange vachigona kusarudza kutakura zvingaitwa.
Izvi hazvisi nguva dzose, zvisinei; muNorth West Territories, mabhizinesi ose anoda kunyora neWCB mukati mazuva gumi kubva pakatanga kushanda, kunyange kana bhizinesi risina vashandi, sezvo iwe usingagoni kuwana bhizinesi rebhizimisi pasina chidziro chekuteerera kubva kuWCB.
MuC BC, vanenge vashandi vose vanofanira kunyoresa ne WorkSafe Online, kusanganisira vanhu vanovaka dzimba dzavo, uye vanhu vanobhadhara mhuri dzisina kubatsira nguva dzose, dzakadai sevarimi, vatsva, kana nyanzvi.
(Hongu zvirokwazvo; ona Ndinofanira Kuzvinyorera Here?)
Kana iwe uri bhizinesi redu duku, nhamba yevashandi yaunayo inogona kusarudza kana iwe uchifanira kunyoresa kubhizimisi yeVashandi 'Inoshuwarenzi. MuNew Brunswick, somuenzaniso, unofanira kubhadharira kuvhara kana iwe ukashanda vatatu kana kupfuura vashandi; muNova Scotia, unofanira kunyora kana iwe une vaviri kana kupfuura vashandi. Mune mamwe mapurumende, akadai seAlberta, kwaunofanira kubhadharira neWCB mukati memazuva gumi nemashanu uchibhadhara wako wekutanga wekuzara-kana kuti wekushanda kwenguva, kana kuti Ontario, kwaunofanira kutora mukati memazuva gumi uchibhadhara yako yekutanga-yega mushandi, hazviiti mutsauko.
Mitemo Yezvemagariro Ehurumende Yenyika Ino
MuAlberta, vatungamiri (mahofisi akanyorwa) emakambani haasi kuvharwa, kunyange zvazvo vangave vachitsvaga kuti vazvipiwe ivo pachavo.
Zvisinei, kana kambani yako yakaiswa muBBC, vagoveri vese kana vatungamiri avo vari kushingaira mubhizinesi rekambani vanoonekwa sevashandi vekambani.
MuNew Brunswick, vashandi vanoita kambani shoma vanofanira kuisa mubhadharo yavo yegore negore vanhu vose vanowana mubhadharo kubva kune kambani, pasinei nezera, kusanganisira vadzidzisi, vakuru vakuru, vatungamiriri nevatungamiriri, zvinoreva kuti iwe unofanira kuisa vana vako mu mushumo wenyu kana muri kuvabhadhara kuti vashandire shamwari yenyu. Mamwe mapurovhinzi ane zvipingamupinyi zvezera.
Hazvibatsiri kana vashandi venguva yakazara, nguva-yechinguva, kana kusashamwaridzana, kana kana vari vashandi vechibvumirano kana subcontractors. Mumatunhu akawanda, akadai seAlberta, kana iwe uchibhadhara muridzi (munhu anoshanda kambani asi asina vashandi) kuti aite basa rako, muridzi wacho anofungidzirwa kuva mumwe wevashandi vako, kunze kwekuti achichengetedza pachake Nhoroondo yeWCB.
Kunyange kana achidaro, iwe hausati uri pachigoni. MuAlberta, Kana iwe uchikwereta makontrakta kana vashandi vekutengesa newavo maWCB accounts, une basa rokutarisira kuti nyaya idzi dzakamira zvakanaka, zvaunogona kuita nekuwana rubatsiro kubva kuWCB. Izvi zvinokuchengetedza kubva pakuva nemhosva yekubhadhara mapiamisi ako ekontikiti kana subcontractor. Ichi chinyorwa, Zvakatarisirwa zveVa Contractor / Subcontractors, zvinopa mamwe mashoko pamusoro pezvibvumirano.
Iwe Unogona Kuda Inyanzvi Yevashandi Inishuwarenzi Kunyange Kana Uri Kubudiswa
Mamwe maindasitiri ari kusunungurwa kubva pamabasa ekugadziriswa kwevashandi. MuAntario, mapurogiramu epakombiyuta, maitiro ehutano ega ega eyachiremba uye chiropractors, zuva rekuchengetedza, vashandi vekufambisa, vatori vemifananidzo, uye taxidermy ndevamwe vemabhizimusi vasingabhadharwi. Zvivako zvinosunungurwa mune rimwe rutivi rwepurogiramu zvingasava mune imwe, saka iwe uchada kutarisa neWCB yako yepurovhinzi kuva nechokwadi.
Kunyangwe kana Vashandi 'Kupa Injishuwarenzi yevashandisi haisi yemvumo yebhizimisi renyu, munogona kunge muchida kuzvitenga nemaune. Kana iwe uri mukonesi, somuenzaniso, unogona kuona kuti vatungamiri vanofarira kusangana nevakandarani vane vashandi vavo Vanobhadhara Inishuwarenzi, uye mamwe makambani achasimudzira pane uchapupu hwokuti iwe pachako uri kugoverwa.
Paunenge uchitenga kusarudzwa kwevashandi veMabasa ekupa Indishuwarenzi yekutengesa, iva nechokwadi chekugadzirisa mari yaunotenga pamubhadharo wako usingagoneki, sezvo ichi ndicho chiyero chichashandiswa kugadzirisa mari kana iwe uchitambudzika kukuvadzwa kwebasa. Kana iwe ukatenga chete zvishoma zvakasara, haungagamuchiri zvikwereti zvakakwana kuti uwane nzvimbo yako yakarasika.
Mari Yevashandi VeInishuwarenzi Inopa Mari
Mutengo weVashandi 'Inopa Indishuwarenzi inobva pane izvo zvikwata zvebhizimusi bhizinesi renyu ririmo. Zvose zveWCB zvinoronga mabhizimisi maererano nemabhizimisi avanoshanda, nokuti inofungidzira kuti mabhizimisi ane mabasa akadaro anowanzova nengozi dzakafanana.
Paunotanga kunyora neWCB, unofanirwa kupa tsanangudzo yakakwana yebhizimisi rako rekuita kuti uone chinzvimbo chako chemabhizimusi. Izvo zviyero zveVashandi 'Compensation inshurensi zvinotaridzirwa ne $ 100 yemari inoponeswa. Sangano reVashandi 'Compensation Boards reCanada rine matanho akasiyana-siyana pamatunhu ekuongorora mahofisi nemitengo nemashizha ekugadzirisa (ona Ongororo neZvikwereti).
Pane misiyano yakakura muvheji yepamusoro purogiramu pakati pematunhu. Muna 2013, somuenzaniso, Alberta aiva nemari yakaderera yepamusoro ye $ 1.12 pamadhora makumi maviri ekubhadhara. Yechipiri yepamusoro yevheji yevheji yekuongorora yegore ra2013 yaiva New Brunswick, pa $ 1.44.
Zvichakadaro, kune rumwe rutivi rwechikwata, Newfoundland ya2013 muongorori wehuwandu hwekuongorora yaive $ 2.75, inoteverwa neNova Scotia pamwe nesvhoji yevheji yekuongorora ye $ 2.65.
Zvose WCB dzinoshandisa hutsika-based pricing system, iyo inogona kuchinjawo mari yekubhadhara yako yepamusoro kana kuti yakaipa. Nezvakanaka, vashandi vanochera nhamba yezviitiko nekukuvara mumabasa avo vanobhadhara zvishomanana. Zvinonyadzisa ndezvokuti vashandi vane njodzi yakaipa nekukuvadza zvinyorwa zvinorayira zvikwereti zvakakwirira.
Ichi chiitiko chirongwa chinoreva kuti iwe unogona kuwana zvikwereti pavashandi vako vePeyer's Compensation insuramisi nekufamba kwenguva. Mamwe mapurisa, akadai seAlberta, anopa zvakanyanya kukurudzira; iwe unogona kuwana imwe yenyongedzero yepamusoro kusvika kusvika 20% kuburikidza nekuitawo muChipiri muHurumende Yokukuvara Kwekukuvara.
Mukana Wekudziviswa
Kunyoresa neWCB uye kubhadhara mari yemishandirapamwe yemishandiro yemishandiro ekubhadhara yevashandi havasi pakati pezvinhu zvakawanda zvevanhu vanoita zvebhizimisi, asi zvakakosha. Funga pamusoro pezvingaitika kune bhizinesi rako nekuda kwekutonga kumwechete kwekukuvadza kwebasa. IWCB hurongwa hwehushandi hunopa vashandi kudzivirirwa, vachivabvumira kuvharira ngozi uye kugovana mari.