Vashandi Vanobhadhara Inishuwarenzi muMonopolistic States

by Marianne Bonner

Zvine zvinyorwa muUnited States zvinorambidza kutengesa kwevashandi kubhadhara inshuwarisi nevanomwe vanovimbisa bhizimisi . Izvo zvinyorwa zvinodanwa kuti monopolistic states . Mune imwe neimwe yehurumende idzi, vashandi vanofanira kutenga vashandi mari yekubhadhara inishuwarenzi kubva kune yehurumende inoshandiswa inshurensi mari. Zvine zvinyorwa zvitsvene zvinonzi Ohio, Wyoming, Washington neNorth Dakota.

Nevada neWest Virginia vaitaura zvakasimba munguva yakapfuura. Zvose zviviri zvinoshandiswa kumakwikwi emakambani mushure mekunge mari yavo yehurumende iine matambudziko emari. Nevada yakazarura vashandi vayo mari yekubhadhara mari kune vatsigiri vega vega muna 1999. West Virginia yakatevera zvakafanana muna 2008.

Kugadziriswa kweMatongerwo Enyika Kunosangana Nekukwikwidzana Mari

Nyika dzakawanda dzinoshandisa vashandi mari yehushuwarenzi mari. Yakawanda mari yehurumende ine makwikwi emabhizimisi anotarisa mabhizinesi nevadziviriri vevanomwe. Vamwe vanoshumira zvinangwa zvakawanda. Semuenzaniso, New York's state fund ndeyekukwikwidzana mari iyo inotungamirirawo chirongwa chekugoverwa kwenyika .

Kusiyana nemakwikwi emari, iyo monopolistic inotaura kuti 'mari ndiyo chete inobva kuvashandi mari yekubhadhara mari mune iyo nyika. Private inshuwarisi haibvumirwi, saka mari iyi haina makwikwi.

Kuenzanisa uye Kuyera

Chimwe nechimwe chezvine zvinyorwa zvitsvene zvakagadzira zvazvakatarisa uye chirongwa chekuyera. Ohio, Washington neNorth Dakota zvinoshandisa sangano rakagadzirirwa pamitemo ine mana. Izvi zvakasiyana neNCCI codes. Wyoming inoronga vashandi vachishandisa North American Industry Classification System. I-NAICS yakagadzirirwa nhamba nhamba dzitanhatu.

Sangano Rakasiyana Rinoda

Mabhizinesi mazhinji anoshandisa vashandi mune dzimwe nyika. Kana bhizinesi richishanda vashandi mune hurumende yekutonga, vashandi ivavo havagoni kuva inshumo pasi pehutano huzhinji hwehupfumi hwematongerwo enyika. Pane kudaro, inofanira kunge yakafukidzwa pasi pehutano hwakasiyana hwakawanikwa kubva kuhurumende yemishuwarenzi.

Bumbiro revashandi rinowanikwa mune imwe nyika isingabatanidzi vashandi vanovhara basa . Munyika idzi, mutoro wevashandi unowanzofukidzirwa kuburikidza nekubvumirana kunowanikwa kune mutemo mukuru wemhosva . Kana iyo inosanganiswa nekubvumirwa, inshurensi yemhosva yevashandi inowanzoti stop-gap coverage .

01 - Coverage muOhio

MuOhio, vashandi vanobhadhara inishuwarenzi zvinomiririra chero bhizimusi chero ripi rinoshandisa imwe kana vakawanda vashandi. Vashandi vanofanira kutenga ichi chinyorwa kubva kuOhio Bureau of Workers Compensation (BWC). Vanogona kushandira hurongwa hwekuzadzisa chikumbiro uye kuitumira (pamwe chete nemari yekushandira) ku BWC. Chikumbiro chinogona kutorwa kubva pawebsite yeWCC.

BWC inoshanda purogiramu yezvidzidzo, uye inotarisa ruzivo shanduri s kune vakakodzera vashandi. Vashandi vari pasi pezviitiko zvekurasikirwa kwavo kutarisirwa kuenzana kana kudarika $ 2,000, zvichienderana nemitero yavo uye maitiro anobata. BWC inopa chirongwa cheboka rezviitiko, iyo inobvumira vashandi mumabhizimisi akafanana kuchengetedza mari pamashandiro ekubhadhara kwevashandi. Boka rinofanira kunge rakabhadharwa nesangano rekushanda kana rimwe boka revatariri. Sangano rinotsigira rinoda kutsigira boka rinofanira kushanda kuBTW kuti rive chiyeuchidzo.

Kuzvidzivirira-inshuwarisi yevashandi kubhadhara kunobvumirwa muOhio. Kuti akwanise kuva se-self-insurer, mushandi anofanira kushandisa vanosvika 500 vashandi veOhio uye vanosangana nezvimwe zvinokodzera.

02 - Coverage in Wyoming

Mu Wyoming, inishuwarenzi yevashandi inshumo inoshandiswa neVashandi Compensation Division yeWedoming Department of Workforce Services (DWS). Mabhizimusi anoshandisa chero vashandi muhurumende vanofanira kunyoresa neDWS. Kunyora kunotarisirwa bhizimisi risati ratanga kushanda kana kubhadhara chero vashandi muWyoming.

Pane imwe nguva mushandirwi akanyoresa, DWS ichagadzirisa zvikwangwani. Vashandi vemagetsi ekubhadharwa kwevashandi varipo paDhipatimendi reDhipatimendi DWS inotarisa ruzivo rwechigadzirisheni chevashandi vanozviisa pasi pehuwandu hwezviitiko.

Wyoming haibvumiri-self-inshuwarisi yevashandi mari yekubhadhara. Zvisinei, DWS inopa purogiramu inotsvaga yevashandi vanozadzisa zvavanoda.

Wyoming vashandi vanogona kushanda kune DWS kuti vabatsirwe nemari kuti vashandise utano kana kuchengetedzwa kwekuchengetedza, kana kuti kuisa mune zvitsva zvekuchengetedza. Kamwe chikumbiro chakabvumirwa, mushandirwi anogona kugamuchira kusvika $ 10 000 kubva ku Wyoming Safety Improvement Fund.

03 - Coverage muWashington

Mabhizimusi anoshandisa chero vashandi vekuWashington anodiwa kutenga vashandisi yemari yveshuwarenzi kubva kuWashington State Department of Labor and Industries (L & I). Mukuwedzera pakupa inshuwarisi, L & I inotarisira hurongwa hweHashington hwehupfumi uye hwekuchengetedza, iyo inogamuchirwa ne OSHA.

Pamberi peHashington muzvinabhizimisi anogona kutenga vashandisi yekubhadhara mari yevashandi, inofanirwa kuwana bhizinesi rebhizimisi kubva kuDhipatimendi Rezve (DOR). Kamwe kambani yerinisi yakabudiswa, DOR inozivisa L & I kuti nhaurirano yevashandi inodiwa. L & I inogadzira imwe nhoroondo, uye inotarisa kuenzanisa kwakakodzera nemitengo. Iko zvino inozivisa mushandi wepayamu iyo inokonzerwa. Kana mushandi ari pasi pezviitiko, L & I inotarisa zvinoshandiswa muhupenyu huri kuchinja.

Washington inobvumira vashandi vane mari inenge madhora makumi maviri nemakumi mashanu emadhora ekuzvidzivirira vashandi vavo kumishandirapiro. Kuti akwanise kuva se-self-inshuwarisi, mushandirwi anofanira kusangana nezvinodiwa neL & I.

04 - Coverage muNorth Dakota

North Dakota Workplace Safety uye Inishuwarenzi (WSI) ndiye mutarisiri uye mutariri wevashandisi yemishonga inshumo muNorth Dakota. Mabhizimusi anofanira kutenga inshuwarisi kana akashandira vanhu kuti vashande muNorth Dakota kana kuti vashandi vanoshanda panzvimbo yebhizimisi munzvimbo. Kuti uwane mutemo, mushandirwi anofanira kupedzisa chikumbiro uye aende kuChipatimendi cheMabasa Employer cheWSI. Zvikumbiro zvinowanika pawebsite yeWSI.

IWSI inotanga vashandi mari yemari. Inoshandisawo chirongwa chezviitiko zvevashandi vanosangana nehuwandu hwepamberi. Vashandi vasingasviki pachikumbaridzo vari pasi pekambani kaduku rebhengi / chikwereti.

IWSI inopa chirongwa chekudzoka-ku-kushanda kubatsira vashandi vanokuvadzwa kudzoka kuzoshanda nekukurumidzira. Iyi purogiramu inosanganisira kurapwa kwechiremba, masangano ekudzidzisa masangano, uye rubatsiro kune vakuvadzwa vashandi vari kutsvaga kushanda.

North Dakota haibvumiri vashandi kuti vazvidzivirire vashandi vavo mari yekubhadhara. Zvisinei, WSI inopa purogiramu yakakodzwa yakawanda yevashandi vanozadzisa zvayo.