Maererano neThe Disability Management Sourcebook, kukwana kwakakomba kwakawedzera 400 muzana pamakore makumi maviri apfuura kubva pazera remakore 17 kusvika kune makumi mana. Asati ava nemakore makumi matanhatu nemashanu, mumwe wevanhu vanomwe achave akaremara kwemakore mashanu kana kupfuura.
Kuremara Kwakawanda Sei Inishuwarenzi Unoda?
Kana iwe uchifunga hurumende ichakutarisira iwe, funga zvakare. Kufanirwa kwehutano hwehutano hwehupfumi kana kubhadhara kwevashandi kuchave kwakaoma uye ukuru hwekubhadhara kwacho kunowedzera kukonzera kukanganisa kwemari. Rusununguko rwemagariro ega ega inogona kuva nenguva refu yekumirira
Chisarudzo chakakosha bhizinesi renyu duku richafanira kuita ndere inshurensi yakaremara yaunoda iwe uye inogona kutenga. Dzokorora zvinhu zvako uye zvikwereti kuti uone kuti ungatora nguva yakareba sei usina mari. Chengetedza mari yako uye uite zvigadziriro zvinodiwa zvehupenyu hwakaremara. Kana muchiitiko chekuremara, iwe unogona kunge uine mari yakakwana yemari kwenguva shomanana asi zvinowanzoitika bhizimisi rako rinoda rubatsiro rwekuremara kwenguva refu.
Kana uchitora inshuwarano yako yehurema unofanirwa kuyeuka iwe haugone kutenga chikamu chekuwana 100%. Makambani eInishuwarenzi haazofukidzi mari yako yakazara nokuti vanoda kukupa chikonzero chokuti iwe udzoke kubasa. Chinyorwa chekufananidzira chiri 50-60% yemari yako yakawanda. Zakawanda zvehutano hwehurema hunovhara kupi zvako kubva 40% kusvika ku80% yemari yako kubva kune zvaunoda kubhadhara.
Chimbofunga zvinhu zvinotevera paunenge uchitsvaga inshurensi yekuremara kwebhizimisi rako duku:
11 Mazano Okutenga Inishuwarenzi Dzemabhizimisi Akaremara
Tsanangura Kuremara: Muridzi webhizimisi chero upi zvake ari kuongorora kubhadhara inshurensi yekuremara kunenge kuchenjera kuenzanisa tsanangudzo yega yega yehushuwarisi yezwi. Murairo wekuremara unogona kutsanangura kuremara sekushandiswa kune rimwe basa rako kana kune chero basa. Kana iwe uine unyanzvi hunoendeswa pane rimwe basa uye iwe haugone kuita basa rako chaiyo mamwe mazano haazofungi kuti iwe wakaremara. Nyatsoongorora kana iwe wakavharwa chero upi zvawo kana mabasa ose pamwe nekuwanda kwekugovera.
Wedzera COLA: Mari yekugadzirisa mararamiro (COLA) ichasarudza hurongwa hwako hurambe huripo iye zvino nekukwira kwezvishoma. Kutevera chirevo chekuremara, zvikomborero zvako zvichagadziridzwa gore roga roga zvichienderana nekugadzirisa kusati kwatemwa kunowanikwa kune mutasvi.
Chengetedza Associations : Kana iwe uri unyanzvi unogona kutarisa kushamwari yako yebhizimisi yezvirongwa zveboka. Shamwari dzakawanda dzinopa nhengo dzakasiyana-siyana zvikomborero kusanganisira inshuwarano yehupenyu nehurema Ongorora mari uye zvinyorwa zvezvirongwa izvi.
Tsvaga Chiremera Chekuita: Haasi kuremara kwose kuchafukidzwa pasi pehutano.
Imwe purogiramu yemakombiyuta ichave ine hanya nekuremara kwakafanana necarpal tunnel syndrome. Ndezvipi hurema hwakaputirwa pasi peurongwa hwako?
Kuvimbiswa Insurability: Uyu hausi hutano hwehutano hwekuremara hunogona kusazvidza. Kana iwe uchida kuwedzera mamwe inshuwarisi mune remangwana pasina humwe hutano hwehutano, iyo yakagadziriswa insurability sarudzo yakakunakira iwe.
Non-cancelable Policy: Kana iwe uchida mapeumimi akasarudzwa uye zvikomborero funga nezvematongerwe enyika. Iyi ndiyo nzira yakanakisisa yekuvhara muzvikwereti zvako uye zvinobatsira asi inouya nemutengo wepamusoro. Shanda pamwe nezvaunokwanisa kuwana.
Tarisa paZvikwereti Zvemari: Usati waita chisarudzo chokupedzisira mukusarudza inshurensi yekuremara, ongorora vateereri. AM Best Company kana Standard uye Varombo vanopa maitiro emasimba emari emasangano einishuwarenzi.
Inishuwarenzi yako broker inogona kukupa zviyero.
Tamba Mutambo Wekumirira : Kuwedzera nguva yekumirira kana kupedza nguva yekuremara kubhadhara kunogona kukonzera kuvharidzirwa kwehutano hwekuremara mari. Tarisa pane mari yako yezvemari uye uone kuti ungatora nguva yakareba sei usati wagamuchira rubatsiro. Ramba uchifunga nezvebhadharo yekutanga inowanzove mazuva makumi matatu mushure mekumirira kwako nguva.
Kudzokorora Mitemo Iripo: Ongorora hupenyu hwako uye mortgage inshuwarisi yemitemo kuti uongorore mutengo wekuwedzera munhu anokweremara akatasva purogiramu. Kuregererwa kwomutasvi wepamberi kunogona kubatsira kuderedza mari yako muitiko wekuremara.
Bhizimisi Chepamusoro Purogiramu: Chirongwa chebhizimisi chepamusoro (BHB) chinogona kuve kuwedzerwa kugamuchirwa kune avo vanochengetedza mazano avo kwete chete vanoda mari yakavharwa kunze kwepamusoro sekubhadhara mari, kubatsirwa, kubhadhara, uye zvishandiso pamwe chete. Izvi zvinogona kubatsira kuchengetedza bhizimisi rako richimhanya apo iwe unopora kubva kune urema.
Tsvaga Agent kana Broker: Bhizinesi re inshuwarisi yakaoma uye inoramba ichichinja. Sezvo muridzi wemabhizimisi muduku awana inshuwarani yakanaka broker kana vashandi uyo achakubatsira iwe kuwana mutemo wakanakisisa wezvaunoda uye kubatsira kubata bhizinesi rako kuburikidza nebyara yehutano hwehutano hwehurema.
Kutenga inshuwarisi yehurema kune bhizinesi rako duku harifaniri kutarirwa pamutengo wekutanga wega. Kuwana chirongwa chakanakisisa chebhizimisi rako kunoda kutarisa pane zvingakosha pamamiriro ako uye bhajeti.