Indekisi yemazuva mashoma eIkuchengetedzwa KweInishuwarenzi neInishuwarenzi Yemazuva Ekurema

Kunzwisisa Kusiyana

Kunetseka pamusoro pehupenyu uye kuti kana kwete here mhuri yako ichachengeteka kana chimwe chinhu chichiitika kwauri? Iwe hausi woga. Mashoko akanaka ndeokuti vazhinji vashandi vanopa vashandi inshuwalense yenguva pfupi (SDI) kana inshurensi yekuremara kwenguva duku (TDI). Izvi ndezvipfeko zvemari zvinopa chikamu chemari yako yakarashika kana iwe ukaremara uye haugoni kushanda. Kunewo vamwe vashandi vanopa vashandi mapoka maviri ehuwandu hunotarisana nemabhizimisi mavari kushanda.

Ndeupi musiyano pakati pemhando imwe neimwe ye inshuwarisi? Tichakurukura izvozvo, pamwe chete nehutano uye hutano hwemarudzi ose einishuwarenzi.

Ndeipi Inishuwarenzi Yemazuva Ekuremara?

Iko kune makambani mashomanana kunze uko anopa vashandi vavo nerudzi urwu rwe inshuwarheni sechikamu chezvikomborero zvakapiwa paunenge wapihwa. Kunewo vamwe vanhu vanotenga rudzi urwu rwe inshuwarisi ivo pachavo, vakaparadzana nebasa ravo kana risina kupiwa nevanoshandira.

Hurumende yehurumende haina kupa vashandi chero rubatsiro rweSADI kuburikidza neHuman Security, asi nekuda kwemitemo yehurumende, vashandi vanofanirwa kupa vashandi mamwe maitiro ekubhadhara kusingabhadharwe (zvakadai sekubhadhara kwevashandi kana kusiya FMLA ).

Mukutaura kwakajeka, inshumo yenguva shomanana yunishuwarenzi ichakubhadhara iwe chikamu chemari yako iwe mushure mekushandisa kwemazuva ako ose aripo anorwara nekuda kwechirwere kana kukuvadzwa kusatambura kubasa.

Zvichienderana nemhando yeurongwa waunayo, unogona kubhadharwa kwemasvondo makumi mashanu nemasere.

Chii Chinonzi Inshurensi Yemazuva Ekuremara?

Inishuwarenzi yekuremara kwenguva duku inodiwa nehurumende dzeimwe hurumende dzinopiwa kuvashandi nevashandi vavo. Iri rudzi rweinishuwarenzi runopa kugoverwa kwevashandi avo vakatambura kukuvadzwa kana kurwara kunze kwekushanda kwavanoita uye havagoni kuita basa ravo nokuda kweiyo.

Kwose kukuvadzwa kana zvirwere zvinotambudzwa mubasa hazvisati zvakaputirwa neTDI, asi panzvimbo yevashandi kubhadhara mari. TDI ichavharawo mashizha akawanda ekusavapo kubva kubasa nekuda kwekudzivirira nekuberekwa.

Mutemo weTDI unowanzobhadhara iwe kusvika ku 60 muzana yemari yako paunenge uchienda kune imwe nguva kwemaawa matatu kusvika matanhatu. Iwe uchiri kukwanisa kusakwanisa kushanda mushure mekugadzirisa nguva ino, unogona kunge wakakodzerwa nehutano hwekuremara kwenguva refu hunogona kukuvhara kwenguva yakareba semakore mashanu kubva pachiitiko chakabvumirwa.

Pros uye Cons weInishuwarenzi yekuremara kwenguva refu

Sezvo nemhando dzose dzeurongwa hwehushuwarisi, pane zvose zvinowedzera uye zvinopedzerwa ne inshuwarisi yehutachiona hwekukurumidza.

Chokutanga, zvinobatsira zveSDI:

• Inovhara vashandi vanokuvadzwa kana kurwara kunze kwebasa
• Anopa chikamu chekuwana mari yevashandi
• Inogona kutengwa kunze kwebasa nevashandi vasina kuvharwa nevanoshandisa zvirongwa

Ikozvino, hana ye SDI:

• Hazvifukidze kukuvadzwa kana zvirwere zvinotambura kubasa
• Haibhadhara mari yose yevashandi
• Inopera mushure mekunge nguva yakatarwa yakarondedzerwa neurongwa
• Hazvipi zvakapiwa kuburikidza neSocial Security neHeral Government
• Hazviiti kutora kusvikira nguva yekurwara yakashandiswa nevashandi

Pros uye Cons yeInishuwarenzi Yemubhadhari Yenguva Isipi

Ngatitorei zvimwe zvezvakabatsiri uye zvakanyanya zve inshuwarisi yekuremara kwenguva duku.

Izvo zvinobatsira:

• Zvirongwa zvinopiwa nevashandi
• Inishuwarenzi inobata kukuvadzwa uye zvirwere zvisingatambudziki kubasa
• Inopa chikamu chebhadharo, kazhinji 60 muzana
• Maripo inowanikwa kwemaawa matatu kusvika matanhatu
• Inogona kuitika mushure mekushanda kweSADI mitemo inobatsira

The cons:

• Zvirongwa hazvirevi urefu hwekurwara kana kukuvara kwevamwe vanhu
• Nhungamiro haifaniri kuvhara chero chinhu chakatambura kushanda
• Haibhadhara 100 muzana yemari
• Ichapera, inotungamirira mushandi kuti atore rubatsiro rwemazuva mazhinji ekuremara

Sezvaunogona kuona, kune zvimwe zvakasiyana zvakasiyana pakati pemazuva mashoma ekuchengetedzwa kwehutano inshuwarano uye hurongwa hwe inshuwarisi hwekuremara kwenguva pfupi. Kunyangwe iwe wakavharwa pasi pezvirongwa izvi zvose zvinoenderana nezvinoitwa nemushandi wako. Kana SDI isingabhadharwi neunoshandira, iwe unogona kugara uchitenga kuzvipa iwe kuti upe rugare rwepfungwa.