Kukuvadzwa kunokonzerwa nehuwandu hwevashandi kubhadhara rusununguko .
Apo vashandi vanoita unyengeri kuti vawane zvikwereti zvavasina kodzero yekuti, vashandi vanobhadhara mari yepamusoro yepamusoro yevashandi yekubhadhara inishuwarenzi. Nenzira yekuti, vashandi vanogona kubatsira kudzivirira urove kana vachiziva zviratidzo zvingangove zvakashambadzirwa nevashandi venhema.
Faked Claim Scenario
Muenzaniso unotevera unoratidzira kuti mushandi anganganisa sei kukuvadza kuti atore vashandi mari yekubhadhara. Fred anoshandiswa semubiki pane imwe nzvimbo yepamusoro yekutoro inonzi Fancy Foods. Fred ave ari kushanda kwemwedzi inoverengeka nekuda kwekudaidzwa kwekudzokera shure. Anoti akawira mufambi-mufiriji mangwanani-ngwanani paMuvhuro mangwanani apo hapana mumwe munhu akanga ari mukicheni. Fred akaisa mari yevashandi vachiti zuva rinotevera. Akave achigamuchira rubatsiro rwekuremara kwenguva pfupi.
Mwedzi mishanu mushure mokunge Fred yaona njodzi, vashandi vanobhadhara vashandi vaFred. Anogadzirisa anotaura kuti Fred ave achiita bhizinesi yehutsotsi .
Zvinoratidzirwa kuti muongorori akaona Fred achiita bhizinesi rekugadzira zvinhu panguva ye "kuremara." Akaonawo Fred achishanda pane imwe nzvimbo yekutoro. Fred akazopomerwa mhosva yekubiridzira. Anorayirwa kuti adzorerezve Fancy Foods ' yevashandi yekubhadhara bhizinesi nekuda kwemari yaakagamuchira mukubhadhara kwekuremara.
Mamwe Mhando Yebasa Rokunyengera
Mumuenzaniso wekare, Fred akaudza kukuvadzwa kusina kumboitika. Vamwe vashandi vangashandisa nzira yakasiyana, sekuwedzeredza kukuvara kwechidiki. Semuenzaniso, mushandi anobvumira musoro wake pamashini uye anogadzira zviratidzo, zvakadai sepfungwa dzakanyanya uye chirwere. Vamwe vashandi vanova vanorwara. Kukuvadza kwavo kwokutanga kwakarurama asi vanoti vanove vachikuvadzwa vhiki kana mwedzi mushure mekukuvadzwa kwaporeswa.
Vamwe vashandi vanowedzera zvikwereti zvemari vashandi nokuda kwekukuvadzwa kwavakaita mubasa racho. Vashandi vanogona kupa zvikwereti zvekusava nebasa risina basa kana vasina rushuwarisi rwehutano kana vakavharwa pasi pehurongwa unosanganisira ductible yakawanda.
Apo Vapiro Vanobatanidzwa
Vashandi havawanzoiti benzi chete. Vamwe vanoshanda mumagetsi nevanyengeri vasina kuvimbika, chiropractors, nevamwe vashandi. Mupiki anokanganisa angaisa mvumo yekurapa iyo mushandi asina kumbogashira. Zvichida, iye anogona kupa chirwere chisina kufanira kana kubata mari yehutano hwakapiwa. Dhigiriyo angabva abhadhara zvikwereti kumushandi mukuchinjana nekudzivisa kukuvara.
Vamwe vanotengesa vanobatana nesimba nevanyanzvi vasina kukodzera kuti vaite "mishonga yekudaidzira." Attorneys vanochera vashandi kuti vape zvirevo zvekubiridzira.
Ivo vanobva vatumira vashandi kune vanotengesa vanonyengera kuvatsanangurira nekukuvadzwa. Chinangwa chevarapi ndechekuchengetedza vashandi kunze kwebasa nguva yakareba sezvinobvira kuti kuwedzere kubhadhara kubhadhara. A claim mill inogona kuunza mamiriyoni emadhora muzvinyorwa zvisiri izvo.
Zvazvinoitika paBhizimisi Renyu
Chero kusanganisa kupi zvako kunogona kuchinja zvakanyanya pamabhizimisi ako maduku. Nechinhu chimwe chete, mushandi anokonzera urema haasi kuita basa rake. Iwe unogona kunge uchibhadhara maawa akawanda ekubhadhara kune vamwe vashandi kana kubhadhara mushandi wenguva pfupi kuti aite basa. Izvo zvinodhura zvinogona kuita kuti kambani yako isabatsire.
Kunyengera kunogona kukanganisa kukanganisa kwekambani yako. Kana yako yakasimba iri pasi pezviitiko , kubhadhara yako inshuwarisi inoita kumushandi kunogona kuwedzera chimiro chako chakasimba chekuchinja. Kana iwe shanduko yako ichikwira, huwandu hwekubhadhara huri hwehutori hwevashandi vako hunogona kuenda zvakare.
Kudzivirira
Iwe unogona kubatsira kudzivirira vashandi kubhadhara chikwereti kuburikidza nokutora matanho anotevera:
- Kurudzira nzvimbo yakanaka mumabasa. Vashandi vanogutsikana havakwanisi kudarika vanovhiringidzika kuti vanyengere.
- Tungamira chekuongorora zvakananga kune vanotarisira vashandi kuitira kuti iwe unogona kusunungura avo vakaita mhirizhonga munguva yakapfuura.
- Ita kuti kuchengetedzwa kwebasa kuve chinhu chinokosha. Gadzira nekushandisa chirongwa chakakwana chekuchengetedza.
- Ita mitemo yakarongeka yekubika njodzi, kupindura kune kukuvadzwa, nekunyora zvirevo. Dzidzisa vatariri vako kuti vaite sei kana njodzi inowanzoitika.
- Dzidzisai vashandi venyu kune vashandi vemarikodzero. Tsanangura kuti vashandi vanobhadhara mari yveshuwarenzi mari inoshandiswa mari, uye izvozvo zvinotarisirwa kuti vakuvadze zvakanaka.
- Itai kuti purogiramu yekudzokera-ku-pabasa ive yevakuvadzwa vashandi.
- Ratidza vashandi kuti kambani yenyu isingashiviriri tsika dzounyengeri. Gadzira nzira iyo vashandi vanoziva kuti vanonyengera vanogona kuiudza iyo isingazivikanwi.
Zviratidzo zveUkuvadza Kukuvara
Kunyange zvazvo vashandi vasingakwanisi kubvisa unyengeri hwose kubva kubasa, vanogona kubatsira kubvisa zvisakarurama zvisingaiti zvakaitwa nevashandi. Izvi zvinotevera zvinogona kuratidza kuti mushandi wakaita kuti vashandi vabhadharwe rusununguko. Kana iwe uchitenda kuti mushandi wako angave akanganisa kukuvadza, taura nevashandi vako mari yekubhadhara.
- Kukuvara kwakaitika kana pakuguma kwezuva musi weChishanu kana neMuvhuro. Mushandi angangodaro akatsigira kukuvadzwa kwevhiki.
- Pakanga pasina zvapupu zvekukuvara. Izvi zvinogona kuva mutsvuku mutsvuku kana mushandi anowanzoshanda pamwe nevamwe vashandi, uye kukuvadza kwakaitika panguva yakamanikana apo mushandi ari oga.
- Mushandi anoramba achichinja nyaya yake pamusoro pezvakaitika. Somuenzaniso, Fred (chikafu chekudya akabika) anotanga kutaura kuti akadonha ndokuwira mufambi-mufiriji. Pave paya, anoti anoti akatora chikwata munzvimbo yezvokudya zvekudya.
- Mushandi akambomira kuzivisa kukuvara. Semuenzaniso, mushandi anotaura nezvekukuvadzwa kunonzi kwakamboitika mwedzi mitatu yapfuura.
- Mushandi haafari, ane matambudziko ekuzvibata kana anobatanidzwa munharo yebasa . Mushandi uyo asina kugutsikana, ane nyaya dzekuita, kana kuti anobatanidzwa mumakakatanwa ane chokuita nebasa anganganisa kukuvara kuti awane "zororo" kubva pabasa rake.
- Mushandi akaisa zvirevo zvekare . Mushandi akagamuchira zvikwereti zvikuru munguva yakapfuura kana akaisa mhaka angave achitsvaga kuwana mari.
- Mushandi anoramba kuongororwa. Semuenzaniso, mushandi anorega MRI iyo inogona kusimbisa kuve kwekukuvara kwemabvi.
- Mushandi akaoma kusvika. Mushandi angaramba kudzorera foni kana ma-mail.
- Mushandi anoramba kuongorora basa rekushanda. Anogonawo kuramba kutora chikamu purogiramu yako yekudzokera kumushandi.