Ndeapi mushandi anobatsirwa? Ndezvipi zvikomborero nezvimwe zvaunogona kutarisira kugamuchira apo iwe wakabhadhara nekambani? Mushandi anobatsira purogiramu inosanganisira zvose zvisingabhadhari mibairo, seinishuwarenzi uye nguva yakabhadharwa, inopiwa nemushandi. Kune dzimwe mhando dzevashandi vanobatsirwa zvinotarisirwa nemutemo, kusanganisira mamiriyoni emari, nguva inopfuura, kusiya kweMhuri Medical Leave Act, kusashanda kwemabasa, uye kubhadhara vashandi nekuremara.
Kune dzimwe mhando dzebasa rinobatsira iyo makambani haafaniri kupiwa, asi akasarudza kupa vashandi vavo. Pane zvimwe zvikomborero uye zvinogona kuitika iwe unogona kukwanisa kutaurirana sechikamu chekubhadhara mari yako pawakapiwa basa idzva.
Chii Chinonzi Work Employee Benefits?
Zvikomborero zvevashandi hazvipi mubhadharo wekubhadhara izvo zvinogona kusiyana kubva kune imwe kambani kune imwe kambani. Makomborero aya asinganzwisisiki uye asina mari-mari mukati mekubhadhara mari. Zvinopiwa nemasangano mukuwedzera kune mubhadharo kuti aite kukwikwidzana kwevashandi vanogona.
Mitemo yeMatated Employee Benefits
Izvi zvinotevera zvipo uye zvikwereti zvinoshandiswa nevashandirwi nehurumende kana mutemo wehurumende kupa.
- COBRA
- Kuremara
- Mhuri uye Chirapa Yekusiya Chikamu
- Minimum Wage
- Kupfuuridza nguva
- Kubasa Kwebatsiro
- Vashandi Vemari
Mhando dzeVashandi-Vakapiwa Zvipo nePeks
Mukuwedzera kune zvinodiwa zvinotarisirwa nemutemo, mamwe mazano anopiwa nekambani nokuti vanofunga kuti vane hukama hwemagariro kune vashandi vavo uye vanosarudza kuvapa zvinopfuura zvinodiwa nemutemo.
Zvichienderana nekambani iyi, mazano aya angasanganisira inshuwarano yehutano (inoda kupiwa nemakambani makuru), inshuwarisi yezinyoreso, maonero ekutarisira, inshuwarisi yehupenyu, kubhadhara nguva yezororo, kusaenda kwega, kurara kwekurwara, kutarisira vana, kufanana, chirongwa chokubvisa, uye zvimwe zvingasarudzwa zvinobatsira kuvashandi uye nemhuri dzavo.
Izvozvi maitiro evashandi vanobatsirwa zvinopiwa zviri pakusarudza kwevanoshandira kana vakavharwa pasi pesungano yebasa, saka vachasiyana kubva kune imwe kambani kuenda kune imwe kambani. Maererano neBhood of Labor Statistics , mavhareji ehuwandu hwemazororo ehomwe yegore negore ndeye 10. Muvhareji wezuva rezororo ndeye 9.4 mushure megore rebasa.
Vanenge hafu yevashandi (vari pakati nepakati) vashandirwi vakaongororwa vakapa kana zvakarondedzerwa kubatsirwa kana chirongwa chinorondedzerwa chepenjeni. Vanenge 75% vakapiwa hutano hwehutano, asi vanenge vose vaida chimwe chikamu chevashandi kuchikwereti. Hazvisi zvakaoma kutarisa mazamu uye kuona kuti waunoshandira kana basa rako rinopa sei.
Mukuwedzera, kune kuwedzerwa kushandiswa kwemabhonasi, zvinowanikwa, uye zvinokurudzira nevashandirwi kuunganidza nekuchengetedza vashandi. Tarisa pane makambani akatarisa nzvimbo dzakanakisisa dzekushanda uye iwe uchawana vazhinji vanopa hutano hwehutano hwehutano, shanduro dzemapurogiramu, zuva rekuchengetedza, chikoro chekubhadhara, uye kunyange pa-nzvimbo yakaoma yekuchenesa.
Mushandi-Anopiwa Nehutano Inishuwarenzi Inodiwa
Pasi pevarwere vanodzivirira uye vanogona kutarisira basa rekuita (Obamacare), zvigadziriswa zvinowanikwa kune makambani emishuwarisi ehutano nezvehutano nekugoverwa. Vazhinji vashandi vane makumi mashanu kana kupfuura vashandi vanofanirwa kupa zvirongwa zvekuchengetedza hutano, uye vanhu vanofanirwa kuve nekugoverwa.
Kugoverana kwehutano hwehutano kwakagadzirirwa vashandi vasina kuvharwa nevashandi kana vakasarudzwa kutsvaga kuvhara kunze kwezvirongwa zvevaranda.
Health Insurance Options
Vashandi vakawanda vanouya nevashandi neboka remishonga inshuwarisi yezvehutano kubatsira vashandi vane mari yekuchengetedza utano. Vashandi vanowanzopa mhando yezvasarudzo zvezvirongwa zvehutano hwezvehutano dzinosanganisira Health Maintenance Organisations (HMOs) uye Preferred Provider Organizations (PPOs).
Deductibles (yakawanda sei vashandi vanofanira kubhadhara mushuwarisi asati avhara mu) kubhadharwa zvinodiwa kune mamwe mabasa nemishandirapamwe yezvirongwa zvakasiyana. HMO inowanzova nezvikwereti zvishoma pasi pePPOs, asi zviremera zvakanyanya maererano nevanachiremba nevatapi vanogona kuwanikwa.
Zvirongwa zvichatsauka maererano nepamusoro-soro kwe-podhazvino mari iyo mushandi aizoda kubata panguva yegore rerongwa.
Health Insurance Coverage
Zvizhinji zvezvirongwa zvinopa kugoverwa kwekushanyira vanachiremba vanonyanya kutarisirwa uye vadzidzisi, vachengeti vezvipatara, nekuchengetedzwa kwekukurumidzira. Chimwe chirongwa chekurapa, utano, chiremba, maonero uye kuvhara mazino kuchasiyana nemurongwa uye mushandi.
Vashandi vanofanirwa kupa hutano kuvashandi vanoshanda maawa makumi matatu nemavhiki. Vamwe vashandi venguva yakazara vanofukidzwa nemashandiro emashandirwo, asi mazhinji haafaniri kufukidzwa.
Vamwe vashandi vanopa kukurudzira vashandi kuti vasarudze purogiramu yavo. Maitiro azvino pfupi anoratidza kuti vashandi vari kukumbira vashandi kuti vawane huwandu hwehuwandu hwehuwandu hwezvirongwa.
Dental Care Plan Plan
Makambani ane chirwere chemazino anobatsira anopa inshuwarisi inobatsira kubhadhara chikamu chemari yekurapa mazino nekutarisira. Zvichienderana nesangano rekambani yekubatsira mazino mazino, kuvhara mazino kunosanganisira nzira dzakasiyana-siyana dzokurapa uye nzira. Yakawanda hurongwa hweinishuwarenzi hunoisa maitiro ekutanga akadai senzira dzekugadzirisa mazino kwemwedzi mitanhatu.
Zvirongwa zvekuchengeta mazino zvinogona kusiyana kubva kune imwe kambani kuenda kune imwe kambani, asi inowanzobatanidza mapato matatu: Preventive, Basic, uye Major services, izvo zvinokonzerwa nekuchenesa kwegore negore kusvika kuvhii remuromo. Kudzivirira mazino mazino kunosanganisira miedzo, x-rays, sealants, zvirwere zve fluoride, uye kuchengetwa kwevana.
Nheyo dzepamusoro dzaizobatanidza kuzadza, kubatsirwa kunorwadziwa kwekunetseka, midzi midzi, uye korona dzezino. Pakupedzisira, mabasa makuru anogona kuisa bridgeji, mano ekubvisa kusanganisa, mazino, uye mamwe maitiro akaoma. Zvimwe zvirongwa zvinosangana nemitemo yose, semabasa orthodontic mukuwedzera kune maitiro ekuchengeta mazino.
Izvo zvikomborero zvezvirongwa zvekuchengeta mazino zvinoverengerwa nenzira dzakawanda. Mamwe makambani anotanga kugoverana kwavo pamitambo inowanzo, tsika, uye inonzwisisika (UCR), asi vamwe vanofunga kuti inclusions pamusana pemazuva emitambo yakatarwa kana tafura yezvipo. Kuziva zvikomborero uye zvakasarudzwa zveDental Plan yako zvinogona kukubvumira kuti udzivise mari dzisingatarisirwi uye iwe unobhadharwa. Kana iwe uchibhadhara kuvhara mazino kuburikidza nemushandi wako, heino nzira yekuziva kana yakakosha mari.
Kunyanya Kambani-Yakapiwa Vashandi Vezvibereko
Izvozvi maitiro evashandi vanobatsirwa zvinopiwa zviri pakusarudza kwevanoshandira kana vakavharwa pasi pesungano yebasa, saka vachasiyana kubva kune imwe kambani kuenda kune imwe kambani.
- Hazard Pay
- Maternity, Paternity, uye Adoption Leave
- Paid Holidays
- Bharai
- Severance Pay
- Vachipapo Zororo
- Basa Kuputsa uye Kudya Kuputsa
Zvikomborero Zvakawanda uye Zvimwe
Zvimwe zvikomborero zvinogona kusiyana pakati pemabhizimisi uye mabhizinesi, uye dzimwe nguva kunonzi "fringe" zvakabatsirwa. Izvi zvinosanganisira mabhizimusi, kugoverana kwebatsiro, kurapa, kuremara, uye inshurensi yehupenyu, kubhadhara mazororo, kushandiswa kwemahara, kushandiswa kwemotokari yekambani, pensions, kusarudzwa kwezvikwata , kuchengetwa kwevana, gratuity, kambani dzekambani , mazuva ega, nguva yekurwara, imwe nguva kubva kumabasa, kubhadhara uye purogiramu yepenjeni zvipo, kuverenga rubatsiro kana kubhadharwa kune vashandi uye / kana mhuri dzavo, kukanganisa pamakambani emakambani nemashandiro, dzimba, nezvimwe zvikomborero nezvimwe zvinowanikwa nekambani Kuwedzera kune mubhadharo wevashandi.
Kunyange zvazvo izvi zvikomborero zvinoreva uye zvinoshandisa mari, mushandi wevashandi anoramba ari mumwechete, uye mushandi haagoni "kuisa mari" kana kutengesa zvinowanikwa kune mari yakakwirira. Kuzvipira kubhadhara hazvidikanwi nemutemo uye zvinosiyana kubva kumushandi kumushandi.
Ongorora Purogiramu Yako Yevashandi Pachipu
Zvingave iwe uri kutsvaga basa, kusarudza nezvekupa basa, kana kushanda uchifara, zvakakosha kuongorora kubatsirwe kubatsiro kunopiwa nekambani uye kusarudza kana mushandi anobatsira purogiramu ndiyo inonyatsozadzisa zvido zvako. Zvakakoshawo kushandisa zvakakwana izvo izvo kambani inopa kuvashandi.
Zvikomborero Zvevashandi Mibvunzo Yekubvunza
Kune mushandi anobatsira mibvunzo yaunofanira kuibvunza, kuve nechokwadi chokuti urongwa hwako hwose hwekubhadhara hwakakosha iwe uye nemhuri yako. Uyewo, bvunza mibvunzo chaiyo inobva pane zvaunoda uye pamitemo inokosha kwauri.