Ndezvipi Mari Yako Pamwe Chekudzivirirwa Munyaya Yekukurumidza?
Utano hwekuremara kwenguva refu (LTD) ndeyehutano yechuwarisi inochengetedza mushandi kubva pakurasikirwa kwemari kana achikwanisa kushanda nekuda kwekurwara, kukuvara, kana njodzi kwenguva yakareba.
Vamwe vanofungidzira nyika iyo yegavha yevashandi vane hurema kwenguva refu inoshaya makore maviri ebasa. Izvi zvinogona kuparadza mhuri yezvemari kunze kwekuchengetedzwa kwemambure ekuchengetedza kwemazuva mazhinji ekuchengetedzwa.
Inishuwarenzi yekuremara kwenguva refu haipei inshuwarisi yezviitiko zvakakonzerwa nebasa kana kukuvara izvo zvinofukidzwa nevhudziro remari yveshuwarenzi .
Kunyange zvakadaro, inshurensi yekuremara kwenguva refu inovimbisa kuti mushandi acharamba achiwana chikamu chemari yavo kana vasingakwanisi kushanda nekuda kwekurwara kana kukuvara kwekuremara. Kuvhengetedza kwenguva refu yehutano inshurenzi ndekudzivirirwa kwakakosha kwevashandi apo US Census Bureau inofungidzira kuti mushandi ane rimwe mukana mashanu yekudziviswa.
Inishuwarenzi yekuremara kwenguva refu inowanzopiwa nevashandi, uye pane zvirongwa zvakasiyana-siyana zvinowanikwa kune vashandirwi kupa sechikamu chebasa rakazara rekubatsira . Kana kambani isingapi inshurensi yekuremara kwenguva yakareba kana kana mushandi achida kuwedzera kugoverwa, iye ane sarudzo yekutsvaga chirongwa chekuremara kwemazuva mazhinji kubva kune anishuwarenzi.
Kazhinji kacho, kunyange zvakadaro, inshurensi yekuremara kwenguva refu inowanika kuburikidza nemushandi; iyo inodhura kutenga semunhu.
Zvigadziriswe, vamwe vashandi, kana vasingakwanisi kupa inshurensi yekuremara kwenguva refu ichakudziridza ukama nekambani yema inshuwarisi yekambani yekuvhiringidza kugadzira mushandi chekushandira kune vashandi vavo vanosarudza kuitenga.
Inishuwarenzi yekuremara kwenguva refu inowanzowanika kuburikidza nesangano rezvemhizha yevashandi pamutengo wakaderedzwa
Inishuwarenzi yekuremara kwenguva refu, inopiwa nevashandirwi, inogona kunge isina kukwana kusangana nezvinodiwa nevashandi vakaremara. Ichi ndicho chikonzero chechipiri vashandi vangave vachida kufungidzira kutenga inslemental yechirwere chekuchengetedzwa kwemishonga inshuwarheni.
Uyezve, kubhadhara kune mushandi kubva kune inshuwarisi yekuremara kwemazuva mazhinji iyo inotengesa mari asi mari inobva kune mushandi akatengwa chirongwa haigoni.
Kuvhiringidzika Kwemazuva Akare Inishuwarenzi Purogiramu
Utano hwekuremara kwenguva refu (LTD) hunotanga kubatsira mubhizimisi kana inshuwalense yenguva pfupi yakasununguka (STD) inobatsira inoguma. Kana kambani yemahombekiti ekuremara kwemazuva mashoma ehurumende inopera (kunyanya mushure memwedzi mitatu kusvika kumitanhatu), inshurensi yekuremara kwenguva refu inopa mushandi muzana yemari yavo, kazhinji 50-70%.
Kubhadhara kwenguva refu kwekuremara kumushandi, mune mamwe mazano, ane nguva yakatsanangurwa yenguva, somuenzaniso, makore maviri-gumi. Vamwe vanobhadhara mushandi kusvikira ava nemakore makumi matanhatu nemashanu, iyi ndiyo mitemo inosarudzwa.
Nhengo yehutano yehutachiona hwekuremara kwenguva yakareba ine mamiriro akasiyana ekubhadhara, zvirwere kana mamiriro ezvinhu asati avapo angave akaiswa kunze, uye mamwe mimwe mitemo inoita kuti mutemo uwedzere kushandiswa kune mushandi.
Mimwe mitemo, somuenzaniso, ichabhadhara zvikwereti zvisingabatsiri kana mushandi wacho asingakwanisi kushanda mubasa rake razvino; vamwe vanotarisira kuti mushandi wacho achatora chero basa iro mushandi anogona kukwanisa kuita-ichocho chakasiyana zvikuru uye chinokosha.
Utano hwekuremara kwenguva refu ndehumwe hunokosha hwehuwandu hwebasa hunobatsira purogiramu . Muzvokwadi, maererano nenyanzvi, nguva refu yekuremara kwehutano inshuwarheni inokosha kune mushandi se inshurensi yehupenyu .
Vashandi vane basa rekuongorora sarudzo yevashandi vavo kuti vaone kuti inosangana nezvido zvavo. Kana zvisingaiti, vashandi vane basa rekutenga ivo pachavo kuwedzera kuparidzirwa kunogona kuwanika pamwero wakaderedzwa kuburikidza nevanoshandira inshuwarisi.
Iwe unoziva nhoroondo yehutano hwako, madzitateguru ako, uye nhoroondo yehutano hwemhuri yako.
Chengetedza izvi zvose mupfungwa paunotarisa huwandu hwehutano hwekuremara hurefu kwenguva yaunofanira kutakura. Uyezve, kana iwe uchigara uchikurukura nekushanyira chiremba wako nguva dzose, iwe unogona kazhinji kuona kuti chii chiri kuitika kune chero hupi zvoutano vasati vadire kuti uwane mari yakareba yekuremara kwemari.
Indumisi Yemazuva Akaremara Inowanikwa Muhutano
Inishuwarenzi yekuremara kwenguva pfupi ndiyo inishuwarenzi inochengetedza mushandi kubva pakurasikirwa kwemari mune imwe nyaya iyo iye asingakwanisi kushanda nemhaka yekurwara, kukuvara, kana njodzi.
Inishuwarenzi yekuremara kwenguva pfupi haidziviriri pazviitiko zvinokonzerwa nebasa kana kukuvadzwa, sezvo izvi zvichange zvakafukidzwa nevhudziro remari yveshuwarenzi.
Zvisinei, inogutsikana kuti mushandi acharamba achiwana chikamu chemari kana asingakwanisi kushanda nekuda kwekurwara kana kukuvara kwekuremara. Uku ndiko kuchengetedzwa kwakakosha kune vashandi.
Inishuwarenzi yekuremara kwenguva pfupi inowanzopiwa nevashandi, uye pane zvirongwa zvakasiyana-siyana zvinowanikwa kune vashandi kupa vashandi vavo. Vashandi vanogona kupa boka remishuwarenzi mapurisa sechikamu chebatsiro .
Kana kambani isingatauri inshuwalense yechirwere chekukurumidza kana kana mushandi achida kuwedzera kugoverwa, iye ane sarudzo yekutsvaga chirongwa cheumwe munhu kubva kumushandi we inshuwarisi. Kazhinji, kazhinji, inshuwarisi inowanikwa kuburikidza nemushandi.
Zvizhinji zvenguva pfupi zvirongwa zve inshuwarano yekuremara zvinosanganisira zvimwe zvirevo maererano nekodzero yevashandi yekuwana rubatsiro. Semuenzaniso, mamwe mazano anoratidzira zvishoma zvido zvebasa kana kuti nguva shoma iyo nguva iyo mushandi anofanira kunge akashanda, uye inogona kuda kuti mushandi anoshanda nguva yakazara kana akashanda pamwe chete kwenguva yakati.
Mukuwedzera pane izvi zvinoda, vamwe vashandi vanotsanangura kuti mushandi anofanira kushandisa mazuva ose ekurwara asati agona kubhadhara kwenguva pfupi kubatsirwa kwekuremara . Vashandi vangadawo chiremba chiremba kuti vonekwe kutambudzika kwebasa, kazhinji kusanganisira zvirwere zvakadai seArthritis kana kurwadziwa shure, kenza, chirwere cheshuga, kana zvimwe zvinokuvadza zvakasangana nemabasa.
Kushanda Kwemazuva Akaremara Inishuwarenzi Purogiramu
Mhedziso yenguva pfupi youtano hwehutano inshumo inowanzoenderana neurongwa Kazhinji, pepa inopa anenge 64% (inowanzoenderana: 50-70 kubva muzana) yehutano hwehutachiona husati huripo , sezvinoratidzwa muBrozen of Labor Statistics - Fixed Percent yekuwana kuongorora.
Hurongwa hwehutachiona hwekuremara kwenguva pfupi hunogona kupa zvikwereti zvishomanana semavhiki gumi, asi kazhinji zvinowanzopa zvikwereti kwemavhiki makumi mana, maererano neBusiness of Labor Statistics - Nguva yeZvibatsiro. Zvisinei, hurongwa hwehutano hwehutachiona hwenguva pfupi hunosiyana nekambani, uye mari yezvikomborero zvakagamuchirwa, inogonawo kusiyanisa zvichienderana nenzvimbo yebasa kana kuti nguva yaakashandira kumushandi.
Pashure pekupera kwemashandiro emishuwarenzi, vashandi vakawanda vanopa vashandi vavo kuwana mikana inowanikwa kubva kunehutano hwekuremara kwehutano hwehutano.
Bhizinesi yemazuva mashoma ekuchengetedzeka kwehutano ishu inobatsirwa yevashandi kune vashandi uye nhengo dzemhuri dzavo. Bhizinesi yemazuva mashomanana ekuremara inopa mvumo yemari yemari yakagamuchirwa, inodzivirira mumutsetse, kana zviitiko zvekuremara kwenguva pfupi kwevashandi.
Zvinonzwisisika: Ndapota cherechedza kuti ruzivo rwakapiwa, kunyange rune simba, haruna kuvimbiswa nekururamisa uye mutemo. Nzvimbo iyi inowanikwa nemitemo yenyika yose uye mitemo nemitemo inoshandiswa inoparadzaniswa kubva kune imwe nyika kuenda kunyika uye nyika kune imwe nyika. Ndapota tsvaka rubatsiro rwemitemo, kana rubatsiro runobva kuHurumende, Federal, kana Hurumende dzehurumende, kuti uone kuti kududzira kwako kwepamutemo uye zvisarudzo zvakarurama panzvimbo yako . Iyi ruzivo nderokutungamirira, pfungwa, uye rubatsiro.