Ko kambani yako inofanira kutenga FVWC kugoverwa here? Mhinduro yacho inobva kune marudzi evashandi vamunoshandisa (kana vari vemuUnited States kana vatorwa vemamwe marudzi), kufamba kwavo kuenda, uye nguva yavanoshandisa kunze kweU.S.
Extraterritorial Travel
Mitemo yakawanda yevashandi vehurumende inopa rubatsiro rwenguva pfupi kune vashandi vanoenda kune dzimwe nyika . Izvi zvinoreva kuti vashandi vanofukidzwa vachifamba kunze kwehurumende (kusanganisira kunze kweU.S.) kwenguva pfupi. Nguva yekuvhara kwekufambisa kune dzimwe nyika inopesana kubva kune imwe nyika kuenda kune imwe nyika. Imwe nyika inogona kukwanisa kubhadhara kwemazuva makumi matatu apo imwe inopa mazuva 90. Heino muenzaniso wekukuvadza kunogona kuve kwakafukidzwa sekufamba kwekunze.
Jane anobata senyanzvi yeJonathan Consulting, sangano rinokurudzira rinowanikwa muUnited States Sezvakadairwa nemutemo wehurumende, Jones akadzivirira vashandi varo kubva kune-ku-kwekukuvara kwebasa nekutenga mushandi wekubhadhara vashandi .
Jane anoenda kuIndonesia kumusangano wemazuva matatu webhizimisi nemutengi. Ari kuenda kumusangano wemagungano muhofisi yevateresi paanenge achifamba uye achiwira pane imwe chigadziko chisina kukwana. Jane anoputsa gumbo rake uye anoshandisa mazuva maviri anotevera muchipatara cheJakarta.
Paanodzoka kumba kwemazuva mashomanana gare gare, anopa bhodha yake chipatara chibharo. Jane akanga asiri kumusha kwake kwemaawa mashoma kwevhiki. Sezvo kukuvadzwa kwake kwaiva pachena-kwakabatanidzwa nebasa, kunofanirwa kuve kwakabhadhara pasi pemutemo wekubhadhara kwevashandi venyika. Apo bhizimisi wake anopa chikwereti kuchipatara kuna Jones Consulting yevashandi vanobhadhara inshuwarisi , iyo inshuwarheni inofanira kubhadhara kudai.
Apo Kukuvara Hazvikwanisiki
Mabasa epasi rose anogona kutungamirira kune kukuvadza kusingafukidzwi nevakawanda vanobhadhara mitemo. Heano zvimwe zvikonzero nei kukuvara kunowanzoitika kunze kweU.S. kungave kusingafukidzwi:
- Zvipfeko Zvakawedzerwa Nguva. Kukuvadzwa kwevashandi kungave kwakaitika mushure mekunge nguva yakatarwa yekufamba kune dzimwe nyika. Somuenzaniso, fungidzira kushanda kwebasa kwakaitika paakanga ari kunze kwemamiriro ekumusha kwemazuva makumi maviri. Kana hurumende yehugaro inopa hupfumi hwemazuva makumi mapfumbamwe ekufamba kunze kwehurumende, kukuvara hakuchafukidzi.
- Denda Risina Kuvharwa. Mushandi anogona kutapukirwa nechirwere chinowanzoonekwa kune imwe nyika asi hachifukidzwi pasi pevashandi vanobhadhara kana mutemo wezvirwere zvebasa muhurumende yeimba yevashandi. Muenzaniso marariya.
- Kwete-Occupational Injury . Mushandi anogona kuchengetedza kukuvadza iyo inshu (uye mutemo) inoona seasina basa. Somuenzaniso, fungidzira kuti Jane apedza bhizinesi rake nemudzimai wake. Anorongedzerwa kuti adzokere kumba kubva kuJakarta zuva rinotevera. Ari kuenda kuresitorendi kuzosangana neshamwari yekudya kwemanheru paanowira mumugwagwa. Jane anobata ruoko rwakaputsika uye anorapwa kuchipatara cheko. Vashandi veS Jones Consulting vashandi vanobhadhara bhizinesi vanoramba kubhadhara chikwereti kubva kuchipatara cheJakarta. Inopikisa kuti kukuvara kwaJane hazvibhadharwi pasi pemutemo wekubhadhara kwevashandi vehurumende nokuti hauna kubva kunze kwebasa rake. Kukuvadza kwakaitika apo Jane aibatanidzwa mumagariro evanhu vasingawirirani nebasa rake.
- Kuwedzerwa Kwokudhura. Mushandi angangokuvadza zvakakomba kana chirwere chinomutendera kuti aendeswe kumusha wevashandi kuti awane kurapwa. Emergency yekutakura mari inogona kunge isina kuvharwa nemitemo yekubhadhara vashandi vehurumende. Izvi zvinodhura zvinogona kuva zvakakosha.
- Kwete yeUnited States. Mushandi angave akabhadhara mune imwe nyika kunze kweUnited States. Kutaura nezvekubhadhara vashandi mitemo mitemo haibatsiri vashandi vanoshandira kune dzimwe nyika.
Vatorwa Vokuzvidira Vashandi Kugadzirisa Purogiramu
Iwe unofanira kufungidzira kutenga mutemo weFVWC kana ukashandisa vashandi veUnited States vanogara vachienda kunze kwenyika. Iwe unofanirwawo kufunga izvi kugoverwa kana ukashanda vashandi kune dzimwe nyika. Munzira dzakawanda, mutemo weFVWC unofanana nekuzvidira mari yekubhadhara kunze kwekuti inoshandisa zvakananga kuvashandi vanofamba kana kushanda kune dzimwe nyika.
Kufanana nemutemo weNCCI mushonga wekubhadhara vashandi, mutemo weFVWC unosanganisira vashandi vanobhadhara uye vashandi vanovhara basa . Inogona kuvhara chero (kana yese) yezvikamu zvitatu zvinotevera zvevashandi:
US Hires
Ava ndivo vashandi vemuUnited States vakashandira muimba yavo yepamusha. Vanogona kufamba mahombekombe kumakwikwi emabhizimisi kwenguva pfupi kana kushanda mune imwe nyika kwenguva yakareba. Zvitemo zvinogona kureva mari yekuAmerica se "inotsanangura," "US Nationals," kana imwe izwi. Kana mubhadharo weUnited States ukakuvara kunze kwekushanda kunze kweU.S., iye anowanzogamuchira vashandi mari yekubhadhara zvakagadziriswa nemutemo mumamiriro ekubhadhara evashandi. Somuenzaniso, mushandi akashanda muPennsylvania achawana zvikomborero zvakapiwa nemutemo wePennsylvania.
Nyika yechitatu Yenyika (TCNs)
Iri boka rinoumbwa nevashandi, kunze kwekubhadharwa kweUnited States, avo vanofanirwa kushanda mune imwe nyika kunze kwenyika yavo yokubhadhara. Muenzaniso wehurumende yeFrance yakashanda muFrance kuti ishande kuSpain. TCNs inowanzopiwa zvipo zvakapiwa nenyika iyo yavakashandira. Mumwe mushandi akashanda muFrance kuti apiwe basa kuSpain achawana rubatsiro rwakapiwa mutemo weFrance.
Local Nationals
Vakuru vemunyika vese vashandi vanobhadhara munyika yavo yekumba uye vanogoverwa ikoko apo nyika iyo imwe kunze kweUnited States Muenzaniso ndewe nyika yeMexico inoshandiswa kushanda muMexico. Kungofanana nedzimwe nyika muUnited States, nyika dzakawanda dzine mutoro wemabasa ekubhadhara vashandi. Nekudaro, vagari vomunharaunda vanofanirwa kuve inshuwarisi pasi pemitemo yakatengwa munyika yavo. Nokuda kwechikonzero ichi, mazano mazhinji eFVWC haawedzeri vashandi kupa mari yekugoverana kune vanogara munyika. Vakawanda vanoita, zvisinei, vanobatanidza vashandi vari pasi pevashandi kubhadhara mari
Zvinyorwa Zvichigoverwa neZvirevo zveFVWC
Mazano eFVWC anosanganisira zvimwe zviitiko zvakasiyana-siyana zvisingawanikwi nemitemo yevashandi vehurumende yehurumende.
Dambudziko Rekupedzisira
Chirwere chepachirwere chirwere chinowanzoitika mune imwe nyika kana nzvimbo asi haisi kuwanikwa mumusha wevashandi. Chiitiko ndeye leptospirosis, chirwere chebhakitiriya chinowanikwa muIndonesia. Kana Jane akabatwa neptospirosis panguva yebhizimisi rake uye akawana mari yekurapa, iyo mari inofanira kuvharwa pasi pehurumende yeFVWC yashandi.
Kudzorera
Mushandi anova anorwara kana akakuvara kunze kwenyika angada kuendeswa pakarepo kunyika yake kumusha kuti awane kurapwa. Kudzorera kunobatanidza mari yakawedzerwa (pamusoro pemari yekutakura mari) yekudzorera mushandi kumusha. Mimwe mitemo inopa huwandu huno kuUnited States chete. Vamwe vanowedzera kuTCNs zvakare. Kudzokorora kupararira kunowanzotarisana nemuganhu, sa $ 25,000.
24-Hour Coverage
Kune vashandi vanofamba kwenguva pfupi (mabhizimisi anofamba), kuparidzira kweFVWC kunofanira kushanda maawa makumi maviri nemaviri. Apo kugoverwa kunoshanda pamawa makumi maviri nemaviri, chero kukuvadzwa kunoitwa nevashandi panguva yebhizimisi rebhizimisi kuchaonekwa sehukama hwebasa. Kana muridzi weJane ainge atenga inshuwarheni yeFVWC nehuwandu hwemaawa makumi maviri nemana, kuipa kwaaiita kunze kwekudya kwaizove kwakavharwa. Kuratidzira-nguva-yekuvhara inogona kushanda kumari yeUnited States chete kana kumabhadharo maviri eUnited States neTCNs.
Vashandi Liability Coverage
Chikamu Chechipiri, Vashandi Vechiitiko, chemuitiro weNCCI unongorega kusanganisa zvinowedzera kunze kweU.S. kana Canada. Chimwe chinhu chinoshanda kunekukuvara kunotsigirwa nevagari vemo kana vagari vemuUnited States kana kuti Canada inenge iri kunze kweiyo nzvimbo. Izwi rinenge risati ratsanangurwa. Mhosva dzinoputirwa chete kana dzichiendeswa kuU.S. Saka, dzimwe mhaka dzinokonzerwa nekukuvadzwa kwakasimbiswa kunze kweUnited States dzisingawanikidzi pasi peChikamu Chechipiri chehurongwa hwekubhadhara kwevashandi veUnited States.
Nenzira yakanaka, inishuwarenzi yemhosva yevashandi inowanikwa mune mutemo weFVWC. Inodzivirira vashandi pakurwisana nemhosva dzakapiwa nevashandi vakavharidzirwa (kusanganisira vemunharaunda) vanokuvadzwa pavanenge vari kushanda kune dzimwe nyika. Inowanzovhara mhosva dzakapiwa mukati kana kunze kweU.S.