Ndinokwanisa Kudzokera Kubasa Kana Ndikawana Murefu Murefu Mhuri Dzinobatsira Here?

Kudzokera Kubasa Kana Paine Nguva Yakare Kurema Kwevashandi Batsigiro

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Kana iwe uri kugamuchira kuremara kwenguva refu (LTD) kubatsiro kubva kubasa nemhaka yekurwara kwakakomba kana kukuvara, unogona kunge uchibvunza kana chero nguva iwe ungadzoka kuzoshanda? Nekurapa kwakanaka kwemareji uye nguva yekugadzirisa yakakwana, zvechokwadi zvinokwanisika kudzoka kuzoshanda zvishoma pane imwe nguva nguva. Zvisinei, nyanzvi dzakawanda dzinokurudzira kuti hazvibvumirwi kutungamira pakarepo kubasa kana pave nekuremara kwenguva refu nekuti izvi zvinogona kuisa purogiramu yako.

Izvi zvinonyanya kuitika kana iwe wakamirira kugadziriswa kwepamutemo kana kuwana hurema hwemhirizhonga inenge yakangoita semari yako yakapfuura. Asi, kune dzimwe nzira dzokushanda uye kuwana mari shoma apo iwe uri kuwana nguva refu yekuremara.

Chengetedza Nyaya dzeYako LTD Purogiramu

Dzimwe zvirongwa zvekuremara kwenguva refu zvinorega kushanda panguva yekugamuchira rubatsiro, uye dzinotsanangura kuti chii chakaremara chiri pasi pemitemo. Zvirongwa zvemazuva mazhinji ekuremara zvinogona kusanganisira chikamu chekushanda chinogonesa nhengo kuti zviwane kana vasingakwanisi kuita "mabasa makuru uye emabasa" emabasa avo chaiwo sechikonzero chechipatara. Izvi zvinotumidzwa se "pachake pabasa" kana OCC. Zvimwe zvirongwa zvekuremara kwemazuva mazhinji zvinosanganisira "chero basa" kana mazwi eAAC, zvinoreva kuti nhengo haigone kuita mabasa chero ipi zvayo.

Verenga kuburikidza nemagwaro epfupiso epurogiramu yako LTD. Kana chirongwa chekuremara kwemazuva mazhinji chiine maOCC mazwi, munhu anogona kuita zvinonzwisisika mabasa emabasa asina kukanganiswa nehutano hwemishonga, saka bhizinesi rekushandura kana basa rebasa hausi kunze kwebvunzo.

Ramba uchifunga kuti sarudzo ye LTD inogona kuramba ichidzivirira maitiro ebasa rinogona kuitwa (sebasa basa rebasa) uye maawa anoshandiswa uye mari inogona kugoverwa pane imwe mari pamwedzi. Chimwe chinokosha kufungisisa ndechekuti uri kuedza kukodzera kubatsiririra Social Security Disability, pane imwe nguva chero rudzi rwebasa kana rimwe urongwa hwekushanda hunoodzwa mwoyo.

Gamuchira Kubvumirwa Kwechiremba Wako Kuita

Usati watarisa basa chero ripi zvaro kana mikana yebhizimisi inoda kuti iwe uite mabasa emhando ipi zvayo, zvakakosha kutsvaka rubatsiro uye kubvumirwa kweboka rako rezvechiremba. Pane zvikonzero zvakawanda zveizvi. Kutanga, iwe unoda kuva nechokwadi chekuongorora imwe yemhando yemabasa yauchaita paunenge uchishanda, kunyange kana ari chiedza kana iwe uchange uine. Izvi zvinogona kukubatsira kuziva chero kugadziriswa kwaunoda kushanda kunze kwekukurudzira muviri wako. Chechipiri, chiremba wako achakwanisa kutsigira zvinangwa zvako zvekudzokera kubasa kuitira kuti iwe uwane magwaro ekurapa akakodzera kuti uite saizvozvo kana wagadzirira. Pakupedzisira, munguva yako yekudzikinura, iwe unoda kuramba uchitarirwa nachiremba wako kuti aite maererano nemitemo ye inshuwarhu yako yehutano hwekuremara .

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Iko nguva dzose pfungwa yakanaka yekutaura nemunhu ane gweta rakagadziriswa usati waita chero basa chero ripi zvaro uchiri kugamuchira kana kutarisira kugamuchira maitiro ekuremara kwenguva refu. Uyu gweta anofanira kuva nechero yakasimba mukubatsira vanhu vakakuvadzwa kubasa. Kazhinji, vatongi vanogadzirisa nevanorapa utano kuti vaone kuti kodzero dzenyu dzepamutemo dzinodzivirirwa. Gweta rinogona kukubatsira kuti unzwisise zviri nani mitemo yako LTD, kusanganisira mitezo ipi zvayo yemari yaunowana.

Semuenzaniso, mutemo unogona kuva usina chazvinobatsira kana uri kuwana 80 muzana yehuwandu hwematongerwo emitemo. Mimwe mitemo inogona kusanganisira kukurudzira kudzokera kubasa, iyo inobvumira varonga zvirongwa kuti vawane zvizere zvikwereti pavanowanawo 100 kubva muzana yemari yavo yekare. Iwe zvechokwadi unoda kuve nechokwadi kuti uri kudzivirira kodzero dzako sebasa rinobhadhara vatengi nekuwana zvakanyanya kubva pane chisarudzo ichi. Uyewo funga nezvekodzero dzako uye mabasa kana iwe uri pasi pevashandi vanobhadhara inshuwarisi nekuchengetedza, sezvo kushanda kunogona kuderedza kana kubvisa zvikomborero izvi.

Sarudza Kudzoka Basa Nezvakanaka

Yeuka, apo iwe unofamba chitsauko chinotevera chehupenyu hwako semunhu akaremara zvishoma nezvishoma semugumisiro webasa, iwe uchada kusarudza basa remangwana nekuchenjerera.

Dzivisa mabasa angaita kuti iwe uve wakaremara zvachose kana izvo zvinopesana nehutano hwako hwepanyama nepfungwa. Gara kune unyanzvi uye unyanzvi hwako hwahwo husingazoiti kuti iwe uzvikuvadze zvakare.