Muenzaniso
Diane ane di Divine Delights, kambani duku inogadzira makombiki. Zvinyorwa zveMweya zvinotengesa zvishoma nezvishoma, uye Dhiana anoda kuwedzera kukohwa. Kuti kuwedzere kambani yemakambani, Diane achada kubhadhara mumwe mushandi . Diane anosarudza kubhadhara mushandi wenguva pfupi kwenguva yekuedzwa kwemwedzi mitanhatu. Kana mushandi achiita zvakanaka, Diane achaita kuti ave mushandi anoshanda zvachose.
Diane anobata Terrific Temps, imwe nguva yenguva. Iyo sangano inotumira mushumiri ane ruzivo anonzi Jane kusvika kuna Mwari. Jane anoita seakanaka, uye Diane anofara nebasa rake. Diane anotsigira kuti Jane akafukidzirwa chero upi zvake pa-e--kukuvara kwebasa pasi pebasa rekubhadhara vashandi rakatengwa neTest Temps.
Jane ave achishanda pa Divine Delights kwemwedzi inenge mitatu apo njodzi inowanikwa. Ari muchitoro, achitsvaga gomba rekubika kubika, apo shefu inowira kamwe kamwe. Zvose rakafuridzirwa uye zviri mukati maro zvinowira pana Jane, achikuvadza musoro wake.
Jane anotorwa kuenda kuchipatara, kwaanogara kwemwedzi. Jane anowana kubhadhara kwevashandi kunobatsira kubva paNotyisa Nguva ' vashandi vanobhadhara bhizimisi . Jane haana kudzokera kuzoshanda paZvikanaka zveMweya.
Kwete Chinhu Chinoenderana Nevashandi vaMwari Vashandi
Mwedzi inoverengeka mushure mengozi iyi, Jane anokwidza mhosva kune Divine Delights.
Sutu yake inotaura kuti Divine Delights inokonzerwa nekukuvara kwake nokuti kambani yakakundikana kuchengeta nzvimbo yakachengeteka yebasa.
Diane anotumira sutu ku Divine Delights 'vashandi vanobhadhara insurer. Anotenda kuti sutu inofanira kuvharwa neVa Employers Liability , Chikamu Chechipiri chemutemo. KuDiane akashamisika, mubhadhadziri anoramba kuparidzira, achitsigira kuti Jane haasi mudikanwi waMwari. Iyo inopikisa kuti Jane ndiye mushandi ne Terrific Temps. Kutaura zvazviri, Jane ave atowana zvikomborero pasi pekutengesa kwekutya kwevashandi.
Kwete Purogiramu Pasi Pano Mutemo WeDare Rezvokuda kwaMwari
Zvadaro, Dhiana anokwidza kudai pasi peDhipatimendi reDain General rezvimhosva . Anovhiringidzika apo mutoro wechipupuriro wakewo unoramba kuparidzirwa kwekutsvaga. Mutsamba yaro yokuramba, mubhadhadziro anoratidza kusarirwa kwevashandi . Kufanana nemitemo yakawanda inowanzotarisirwa, chirongwa cheMweya chinotarisa chisingaverengi kukuvara kwemuviri kune umwe wevashandi vaMwari kana kukuvadzwa kunobuda kunze kwebasa rekushanda kwevashandi.
Paanenge achiverenga tsanangudzo dzemitemo , Diane anocherechedza kuti izwi iro mushandi haashandisi mushandi wenguva pfupi. Dhiyabhorosi amafoni yake insurer. Anotaura kuti Jane aiva mushandi wenguva pfupi, saka kubviswa hakufaniri kushanda kumutsara waJane.
Iyo inshurenzi inoratidza kuti mushandi wenguva pfupi ane zvinoreva zvakananga mumatongerwo emitemo. Izwi iri rinoreva munhu anopiwa kune uyo anonzi inshurenzi (mushandirwi) seanotsiva mushandi wepaguru pazororo kana kuti asangane nemamiriro ezvinhu epanguva yegore kana kwenguva pfupi.
Jane haana kubhadharwa sechinotsiva mushandi wekugara pazororo kana kuti asangana nemamiriro ezvinhu emakore kana kuti kwenguva pfupi. Somugumisiro, iye haasvikanisi tsanangudzo yevashandi venguva pfupi. Muchirevo chechirevo cheMweya's Delights 'mutemo, Jane aiva mushandi apo kukuvara kwake kwakaitika. Mutemo waMwari unofadza hauna kubvisa mhosva dzemhosva dzinounzwa nevashandi nokuda kwekukuvadzwa kunowanikwa mubasa. Hazvizofukidze suti yaJane.
Alternate Employer Endorsement
Kuti dzidzivirire Maonero aMwari pamusoro pemhosva dzakadai saJane, Diane angadai akakumbira kugoverwa semumwe mushandirwi pasi peTranger Temps 'vashandi vekubhadhara mutemo .
A standard NCCI kuvigirwa kunowanikwa nekuda kwechinangwa ichi. Inonzi "Alternate Employer endorsement".
The Alternate Employer endorsement inowanikwa kune vashandi venguva duku vashandi purogiramu. Zvose zvinotaura nezve "iwe" muchibvumirano zvinoreva sangano renguva pfupi (uyo anoshandira ainzi zita racho pamutemo). Izvo zvinoshandiswa nemushandirwi ndiye muchengeti wekambani (kambani kune uyo mushandi wenguva pfupi akapiwa).
Kuvimbiswa kunobata kukuvadzwa kunotsigirwa nevashandi munguva yavo yechinguvana kana "inokosha" nemumwe mushandirwi akanyorwa mubhuku rekubvumira. Purogiramu inofanira kuratidzira nyika umo vashandi venguva pfupi vanoshandiswa. I "sangano rekutsvaga" rinoramba riri mushandi wekushanda wevashandi. Mutengi ndiye anishuwarenzi chete apo mushandi wenguva pfupi anopiwa iyo. Kana chibvumirano kana chirongwa chinotsanangurwa munhepfenyuro, ipapo kugoverwa kunoshanda chete kune basa rinoitwa nevashandi venguva duku pasi pesimba iroro kana kuti purojekiti iyoyo.
Kubvumirana kunopa mumwe mushandirwi vose Vashandi Vemari uye Vashandi Vechibharo . Vashandi vanobhadhara kuvharidzirwa kunodzivirira mumwe mushandirwi kana zvichizodiwa kubhadhara zvikwereti kune mushandi wenguva duku akakuvara. Vashandi vanoita basa rekuvharavha vanoita kuti mumwe mushandi asarwe nemhosva dzinounzwa nevashandi vakakuvara (saJane soro ne Divine Delights). Ichi chinyorwa chinopiwa pasi peChikamu Chechipiri chekodzero yekubhadhara vashandi vevashandi.
The Alternate Employer endorsement haifaniri kuvhara vashandisi vashandi vese. Nokudaro, Divine Delights haikwanise kushandisa kubvumirana kugutsa basa rayo rokutenga vashandi kubhadharwa kwevashandi panzvimbo yevashandi vayo.
Exclusive Remedy Rule
Munyika dzakawanda, vashandi vanobhadhara mari yevashandi ndivo vakagadziriswa remushonga chete (iyo chete inotora mari yekubhadhara) nokuda kwekukuvadzwa kwebasa. Somugumisiro, vashandi vanokuvara pabasa vanowanzorambidzwa kusazvidza vashandi vavo. Iyi pfungwa inonzi iyochete yekurapa mutemo .
Apo bhizinesi rinowana vashandi kubva "sangano remhepo," bhizinesi (kambani yekambani) haisi vashandi vashandi. Nokudaro, mushandi wenguva pfupi haana kubviswa pakuzvidza mutengi. Nenzira yakanaka, kubhadharwa kwevashandi kunopiwa neAngredient Employer endorsement kunodzivirira muchengeti kupikisa zvipfeko zvakadai.
Mamiriro Ekubatsira
The Alternate Employer endorsement inogadza mamwe maitiro emitemo kune umwe akashandisa. Iyo yekupedzisira inofanirwa kuudza chero kukuvadza kunosanganisira mushandi wenguva pfupi kumushandi wevashandi kubhadhara inshuwarisi. Izvo zvinoshandiswa nemushandirwo anofanirawo kupa rubatsiro rwekurumidza kune chiremba kumunhu akakuvara, uye kutumira magwaro ose akakodzera kune inshuwarisi kana mutariri wayo.
Chimwe chiitiko icho hachirevi kune mumwe munhu waanoshandira ndicho chirevo chekudzimisa. Iyo inshuwarheni haisungirwi kuzivisa mumwe mushandirwi kana sarudzo ichibviswa. Ichi ndechokuti mumwe munhu anoshandisa haasi iye anonzi bhizinesi pasi pesangano.
Kwete Kubhadhara Vashandi
The Alternate Employer endorsement haigoni kushandiswa kuvhara vashandi vamakabhadhara kubva kune unyanzvi hunoshandiswa kumashandi (kubhadhara zvakasimba). Vashandi vanobhadhara vanofanira kuve inshuwarisi yevashandi mari yekugadzirisa pasi pezvikamu zvakasiyana zvezvibvumirano maererano nemitemo yenyika.