Kuenzanisa uye Kuyera
Pasi pemagadziro ekubhadhara vashandi, kambani yenyu inopiwa imwe kana kupfuura zvakasarudzwa maererano nemhando yebhizimisi raunoshandisa.
Somuenzaniso, kana iwe ukashanda nechitoro chinotengesa hardware kuti vatengese vatengesi, bhizinesi renyu rinogona kuenzanisirwa sedare rekutengesa hardware. Iko mubayiro wekubhadhara iwe unobhadhara vashandi kubhadharwa kubhadhara kunoenderana nekugadzirisa kushandiswa, chiyero chakakonzerwa nechikwata chimwe nechimwe, uye mubhadharo waunobhadhara vashandi vako (mubhadharo). Nhamba yako yepamusoro inogonawo kugadziriswa nedzidzo yekuchinja , iyo inoratidza chiitiko chako chepakutanga.
Munenge munharaunda dzose, vashandi vanobhadhara mari, maitiro , maitiro emagariro nemamwe nyaya ane chokuita nekubhadhara vashandi inotarisirwa nehofisi yehurumende yekubhadhara mapurisa. Zvisinei, vazhinji vanoti hurumende inoshanda sekuita kwekuita, nhamba yekuongorora uye fomu kukurudzira kune sangano rinonzi National Council on Compensation Insurance ( NCCI ). Aya mazita anonzi "NCCI inotaura." ICCI isangano risina bumbiro rakagadzirwa nevatsigiri.
ICCI inoshandisa shanduro yekufananidza nzira, mabhuku uye mitemo yakagadzirwa neCNCI.
Mamwe magwaro haashandisi maitiro eCCCI. Nyika dzakadai seCalifornia, Wisconsin uye Delaware dzinoshanda zvakasununguka. Izvo zvinyorwa zvinokura mitemo yavo nemitengo. Zvikamu zvina (Ohio, Washington, Wyoming neNorth Dakota) zvakasiyana nekuti hazvibvumi inshuwarisi yega yega.
Munyika idzi, iyo inonzi ichitsvaga , inishuwarenzi inofanirwa kubudiswa nehurumende yeruzhinji mari.
Mazano ePomiti
ICCI yakagadzira hurongwa hwekubhadhara vashandi huripo hunoshandiswa munyaya dzose dzeCNCI. Iyo nhungamiro inoshandiswa zvakare mune dzakawanda nyika dzakazvimirira zvakare. Inopa zvikamu zviviri zvinokosha. Chikamu Chokutanga chinosanganisira Vashandi Kupa Nyaya apo Chikamu Chepiri chinoshandisa Vashandi Mutoro. Nyaya ino inotarisa paChikamu Chekutanga. Vashandi Liability Coverage inotsanangurwa munyaya yakasiyana.
Vashandi Kupa Mubayiro
Vashandi vanobhadhara kugoverwa kunobatsira vashandi vakakuvadzwa munguva yebasa. Iko kugoverwa kunopiwa chero pasinei nemhosva. Izvi zvinoreva kuti mushandi akakuvara haafaniri kukupomera mhosva yekuregerera kuitira kuti uwane rubatsiro. Uyezve, mushandi akakuvadzwa anowanzokwanisa kubatsirwa kunyange kana kusaregererwa kwake kwakabatsira pakukuvara. Somuenzaniso, ngatitii mushandi anotsigira kukuvadzwa musoro pane imwe nzvimbo yekuvaka. Kukuvadza kungave kwave kwakadziviswa kana mushandi wacho aive akapfeka chikafu chakaoma, sezvaakanga arayirwa kuita. Kunyange zvakadaro, mushandi anofanira kunge achikwanisa kubatsirwa.
Kutaura mitemo yekubhadhara vashandi vanowanzopa mienzaniso inotevera yezvibatsiro :
- Chiremba Inoshandiswa : Inosanganisira chiremba anoshanyira, kuchengetwa kuchipatara, mishonga yemishonga, kurapwa muviri uye dzimwe nzira dzokurapwa.
- Kuremara : Kunopa kushandiswa kwemazana emari yakarasikirwa apo vashandi vasingakwanisi kushanda nekuda kwekukuvara kwebasa. Kuremara kunogona kuva kwenguva pfupi kana kusingagumi, uye kusarura kana kukwana.
- Dzidzo yekuvandudza : Inobvumira vashandi vasingagoni kudzokera kumabasa avo epamberi kuti vadzidze unyanzvi hutsva hunobva pane zvavanokwanisa.
- Rufu Rubatsiro: Rwakabatanidzwa kumudzimai uye vana vaduku vevashandi vakaurayiwa pabasa.
Kunyange zvazvo zvipo zvebatsiri vashandi vanowanikwa nokuda kwekukuvadzwa kwebasa zvakanyatsoenderana kubva kune imwe nyika kuenda kune imwe, kuwanda kwezvakabatsiridzirwa zvinogona kusiyana zvakasiyana kubva munyika kuenda kune imwe nyika. Nokudaro, mutemo wekubhadhara vashandi (wehurumende umo maitiro ako aripo) unowanikwa mumutemo.
Izvi zvinoreva kuti zvigadziro zvemutemo wenyu wekubhadhara mari zvinobva zvava chikamu chekambani yenyu yveshuwarenzi.
Vashandi vanobhadhara zvinokonzera kukuvadzwa mumuviri nekukanganisa kana kukuvara mumuviri nehosha (occupational disease). Mutemo wehurumende unosarudza kuti ndeapi zvirwere zvekushanda zvakavharwa. Muenzaniso webasa rehutano is asbestosis. Iyo nheyo inobatanidza kukuvadzwa kunokonzerwa nezviitiko zvinowanikwa munguva yehurongwa. Kuti chirwere chifukidzwe, chinofanira kukonzerwa kana kuwedzerwa nemamiriro ekushanda.
Exclusions
Vashandi vanobhadhara mitemo vanogona kupa munhu anenge akuvadzwa zvimwe zvikwereti kana mushandi akakuvadzwa nekuda kwechinhu chaunoita kana kukundikana kuita. Somuenzaniso, fungidzira kuti une chitoro chekudya. Bill, mumwe wevashandi vako, akakukumbira katatu mwedzi wapera kuti atsire varindi vakarasika pamucheka wenyama. Nguva imwe neimwe Bhiri akataura nezvevarindi wamakamuudza kuti afunge nezvebhizimisi rake uye ozoenda kushanda. Anenge vhiki imwe mushure mokunge chikumbiro chake chokupedzisira Bill achishandisa mishonga apo nyama yaanenge ichitsvaira, uye iye anokanganisa chikwangwani chake chakanaka.
Nemhaka yekukundikana kwako kugadzirisa simbi, Bill anobhadharwa kaviri kubhadharo yevashandi iye angadai akawana. Vashandi vekubhadhara mari yevashandi vako havazofukidzi mari yakawandisa yaunoda kubhadhara sechirango.
Izvo zvakasununguka zvevashandi mari yekubhadhara ine zvinyorwa zvakasiyana. Inotaura kuti wako insurer haazombobhadhari zvikwereti zvakanyanya zvinodiwa nekuti:
- Nekutadza kwakakomba uye nekuda kuita kwakaitwa newe. Muenzaniso: Unoudza Bill kuti anofanirwa kushandisa slicer iyo isina murindi kana iye achadzingwa.
- Iwe unonyatsoziva kushandisa mushandi mukuputsa mutemo. Muenzaniso: Unobhadhara mushandi wemakore gumi nemasere anopesana nemutemo unoda vashandi vezvitoro zvekudya kuti vave ne16.
- Iwe unokundikana kutevera mutano wehutano kana kuchengetedza kana mutemo. Muenzaniso: Unokundikana kuvimbisa kuti vashandi vanoshandisa varindi pavanenge vachishandisa slicing machine, vachiputsa OSHA's Machine Guarding Standard.
- Iwe unosunungura, unomanikidza kana kuti zvimwe unosarura kune chero mushandi mukuputsa mutemo wekubhadhara vashandi. Muenzaniso: Iwe moto Bhiri nokuti akaisa vashandi kubhadhara kudai mushure mekuvhara munwe wake pamucheka.
Kudzoka Kubva Kune Vamwe
Kana bhizimisi yako inobhadhara mushandi uyo akakuvadzwa nekuda kwekuregererwa kweumwe munhu, mubhadhadzi wako ane kodzero yekuwana kupiwa kwechikamu kubva kune avo vane mutoro. Izvi zvinoreva kuti mubhadhadzi wako anogona kutora chikwereti chekurasikirwa kwaro kubva kune imwe chikamu chakakonzera kukuvara. Semuenzaniso, fungidzira kuti mushandi ari kunya nyama achishandisa ruoko rwekuchengetedza pamashini ekuchera kana zvisingabatsiri. Izvo zvisina kukonzera zvinokonzera kuti mushandi arambe achikuvadza.
Vashandi vako vanobhadhara inshuwarheni vachabhadhara mari kune mushandi anodiwa nemutemo. Zvisinei, ine kodzero yekuisa mutengo wezvakagadzirwa nemuchina wepamusoro pamusoro pekuisa slicer mukuedza kubhadhara kubhadhara kwawakaita kumushandi. Iwe unomanikidzwa pasi pegwaro rekudzivirira iyo inshuwarisi yekodzero yekubhadhara mari yako kubva kumunhu kana sangano rinotarisirwa kukuvara kwevashandi.