Kodi munayamba mwaganizapo za zotsatira za ulova mwadzidzidzi pa kukhazikika kwanu pazachuma? Ndipo munayamba mwadzifunsapo momwe mungasungire ndalama zanu kukhala zotetezeka? Inshuwaransi yotaya ntchito ndi chishango cholimbana ndi mvula yamkuntho yosayembekezereka: kuposa njira yosavuta yodzitetezera-ndi chida chothandizira kulimbikitsa ndalama.
M'nkhaniyi, tikuyang'ana inshuwalansi ya redundancy, kufufuza zovuta zake, zopindulitsa, ndi mafunso ofunika omwe angakutsogolereni kuti mukhale ndi tsogolo labwino lazachuma. Tiyeni tilowe mu dziko la inshuwaransi ya kutaya ntchito ndikupeza mayankho omwe mwakhala mukuwafuna.
| Kodi inshuwaransi yakutaya ntchito ndi chiyani? | Chitetezo ku kutaya ndalama chifukwa cha ulova mwadala. |
| Kodi inshuwaransi yotaya ntchito imagwira ntchito bwanji? | Thandizo lazachuma pamilandu ya ulova. |
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Kodi Job Loss Insurance ndi chiyani?
Inshuwaransi yotaya ntchito, yomwe imatchedwanso inshuwaransi ya ulova kapena chitetezo chandalama, imagwira ntchito ngati njira yopezera chitetezo chandalama yomwe idapangidwa mwaluso kuti achepetse mavuto azachuma omwe amabwera chifukwa cha kutaya ntchito mwadala. Kugwira ntchito ngati njira yopezera ndalama, inshuwaransi iyi imatsimikizira thandizo lazachuma lomwe lakhazikitsidwa kale kwa anthu omwe akuchotsedwa ntchito.
Podzipatula ku inshuwaransi yolemala yanthawi yayitali, inshuwaransi yotaya ntchito nthawi zambiri imapereka chithandizo chachifupi chomwe chimapangidwa kuti chithandizire anthu panthawi yapakati pakati pa ntchito. Cholinga chake chachikulu ndikulipira ndalama zofunika kwambiri mpaka mwiniwakeyo atapeza ntchito yatsopano.
Mitundu ya Inshuwaransi Yotayika Ntchito Ndi Ubwino Wake
Kumvetsetsa ubwino wa mitundu isanu ya inshuwaransi yosiyanitsidwa ndi kuchotsedwa ntchito kumapatsa mphamvu anthu kupanga zisankho zolongosoka zogwirizana ndi mikhalidwe yawo yapadera. Kuwunika mozama za mfundo za ndondomeko, ziganizo, ndi zikhalidwe ndizofunikira. Kufunsana ndi opereka inshuwaransi kumatsimikiziranso kumvetsetsa bwino pakusankha inshuwaransi yotaya ntchito yogwirizana ndi zolinga zandalama. Komanso, zimawononga ndalama zingati kuti munthu apeze inshuwaransi yotaya ntchito? Pezani yomwe ikukwaniritsa zosowa zanu ndikusunga bajeti yanu.
Inshuwaransi ya Ulova (UI)
Ntchito yothandizidwa ndi boma imeneyi imapereka thandizo la ndalama kwa anthu amene akuchotsedwa ntchito popanda chifukwa chawo.
ubwino:
- Thandizo Lazachuma: Inshuwaransi yotaya ntchito, makamaka UI, imapereka chithandizo chofunikira kwambiri chandalama pochotsa gawo la ndalama zomwe munthu adapeza m'mbuyomu panthawi yomwe wataya ntchito.
- Thandizo Lofufuza Ntchito: Mapulogalamu ambiri a UI amawonjezera zothandizira ndi chithandizo kuti athandize anthu kupeza ntchito zatsopano, kuwongolera kusintha kosavuta.
Cost: Mtengo wa UI nthawi zambiri umalipiridwa ndi owalemba ntchito kudzera m'misonkho yamalipiro, ndipo ogwira ntchito sapereka mwachindunji phindu la ulova.
Private Job Loss Inshuwalansi
Zoperekedwa ndi makampani a inshuwaransi azinsinsi, ndondomekozi zimagwirizana ndi inshuwaransi ya ulova yothandizidwa ndi boma.
ubwino:
- Kufunika Kogwirizana: Inshuwaransi yotaya ntchito yachinsinsi imalola kusintha mwamakonda, kupangitsa anthu kusintha momwe angagwiritsire ntchito zosowa zawo, kuphatikiza chipukuta misozi ndi nthawi yotalikirapo.
- Chitetezo Chowonjezera: Kuchita ngati gawo lowonjezera, inshuwaransi yotayika ntchito payekha imapereka chitetezo chokwanira chandalama kuposa mapulogalamu aboma.
Cost: Malipiro a mwezi ndi mwezi a inshuwaransi yotaya ntchito angasiyane mosiyanasiyana, kuyambira $40 mpaka $120 kapena kupitilira apo. Mtengo weniweniwo umadalira zinthu monga zaka, ntchito, ndi njira zomwe zasankhidwa.
Inshuwaransi Yoteteza Chuma
Inshuwaransi iyi imapitilira kuperekedwa kupitilira kuchotsedwa ntchito, kuphatikiza zochitika zosiyanasiyana zomwe zimapangitsa kuti munthu ataya ndalama, monga matenda kapena kulumala.
ubwino:
- Comprehensive Safety Net: Inshuwaransi yotaya ntchito, makamaka chitetezo chandalama, imakhudza zinthu zingapo, kuphatikizapo kutaya ntchito, matenda, ndi kulumala, kukhazikitsa njira zotetezera zachuma.
- Mtsinje Wokhazikika wa Income: Imawonetsetsa kuti ndalama zizikhala zokhazikika panthawi yomwe akukhudzidwa, ndikupereka chithandizo chofunikira kwa anthu omwe ali ndi vuto lazachuma.
Cost: Mtengo wa inshuwaransi yoteteza ndalama nthawi zambiri umawerengedwa ngati kuchuluka kwa ndalama zomwe munthu amapeza pachaka, zomwe zimayambira pa 1.5% mpaka 4%. Mwachitsanzo, ndi ndalama zokwana $70,000 pachaka, mtengo wake ukhoza kukhala pakati pa $1,050 mpaka $2,800 pachaka.
Inshuwaransi ya Chitetezo cha Mortgage Payment (MPPI)
MPPI imachitapo kanthu kuti ibweze ngongole zanyumba ngati zitatha ntchito kapena zinthu zina zomwe zimakhudza kukwanitsa kubwereketsa ngongole.
ubwino:
- Ndalama Zolipirira Ngongole: Inshuwaransi yotaya ntchito, makamaka MPPI, imateteza eni nyumba polipira ngongole zanyumba panthawi ya ulova, kuletsa kusakhazikika kwa nyumba.
- Chitetezo Chazachuma: Kupereka gawo lowonjezera lachitetezo chazachuma, MPPI imatsimikizira eni nyumba amatha kusunga nyumba zawo mkati mwa ntchito zosayembekezereka.
Cost: Mtengo wa MPPI nthawi zambiri umatsimikiziridwa ngati kuchuluka kwa ndalama zanyumba, zomwe zimayambira 0.2% mpaka 0.4%. Pa ngongole ya $250,000, mtengo wapachaka ukhoza kuyambira $500 mpaka $1,000.
Inshuwaransi Yovuta Kwambiri
Ngakhale kuti sichimalumikizidwa mwachindunji ndi kutayika kwa ntchito, inshuwaransi ya matenda oopsa imapereka malipiro amtundu uliwonse pakuzindikira matenda omwe adadziwika.
ubwino:
- Thandizo la LumpSum: Imakulitsa chindapusa mukazindikira, kupereka chithandizo chofunikira chandalama pazovuta zachipatala komanso kusintha kwa moyo.
- Kugwiritsa Ntchito Mosiyanasiyana: Kusinthasintha kwa ndalama kumapereka mphamvu kwa omwe ali ndi malamulo kuti athe kuthana ndi zosowa zinazake zochokera ku matenda oopsa, kupereka mpumulo wandalama komanso wamalingaliro.
Cost: Ndalama zolipirira mwezi uliwonse za inshuwaransi ya matenda oopsa zimasiyana malinga ndi zaka komanso thanzi. Pafupifupi, amatha kuyambira $25 mpaka $120. Kwa munthu wathanzi wazaka za m'ma 40, ndondomeko yopereka ndalama zokwana madola 70,000 ikhoza kutenga pakati pa $40 mpaka $80 pamwezi.
Werengani zambiri:
- Kusiya Mwachete - Zomwe, Chifukwa, ndi Njira Zothana nazo mu 2024
- Zoyenera Kunena Mukasiya Ntchito
Zitengera Zapadera
Mwachidule, inshuwaransi yotaya ntchito ndi njira yodzitetezera ku zovuta zachuma zomwe zimachitika chifukwa cha ulova wosayembekezereka. Kumvetsetsa mapindu ndi mtengo wa inshuwaransi izi kumapatsa mphamvu anthu kuti azisankha mwanzeru, ndikukhazikitsa kaimidwe kake ka chitetezo chandalama. Kaya akukumana ndi kutaya ntchito mosayembekezereka kapena kukonzekera kusatsimikizika komwe kungachitike, inshuwaransi yakutaya ntchito imakhala ngati bwenzi lothandizira, kulimbikitsa kulimba mtima komanso kupatsa mphamvu pantchito yomwe ikusintha nthawi zonse.
💡Ngati mukuyang'ana kudzoza kwina kuwonetsera bizinesi, lowani Chidwi tsopano kwaulere kapena kukhala olembetsa mwayi omwe adzalandira zabwino kwambiri chaka chamawa.
FMafunso Ofunsidwa
- Kodi mumatani mukatha ntchito?
Poyang'anizana ndi kutayika kwa ntchito, gwiritsani ntchito chithandizo choperekedwa ndi inshuwalansi ya ntchito. Yambitsani ndondomeko ya madandaulo mwachangu kuti mupeze thandizo lazachuma panthawi yakusintha. Panthawi imodzimodziyo, funani chithandizo chamaganizo kuchokera pa intaneti yanu kuti muthe kuthana ndi vuto la kutayika ndikuyang'ana kwambiri kupeza mwayi watsopano.
- Zoyenera kuchita ngati mulibe ndalama komanso mulibe ntchito?
Ngati mukukumana ndi mavuto azachuma pambuyo pa kuchotsedwa ntchito, gwiritsani ntchito inshuwaransi yotayika kuti muthandizidwe msanga. Onjezani izi ndi thandizo la boma ndi phindu la ulova. Yang'anani ndalama zofunika patsogolo pogwiritsa ntchito bajeti yokonzedwa bwino ndikufufuza ntchito zanthawi yochepa kapena zodzichitira paokha kuti mupeze ndalama zowonjezera kwinaku mukufunafuna ntchito zatsopano.
- Zoyenera kuchita mutataya ntchito?
Pewani zisankho mopupuluma zandalama, ndipo ngati zitaphimbidwa, perekani mwachangu chikalata cha inshuwaransi yakutaya ntchito kuti mukhalebe okhazikika pazachuma. Khalani olumikizidwa ndi netiweki yanu yaukadaulo kuti mupeze mwayi ndikukana kuwotcha milatho ndi anzanu akale. Kukonzekera kwadongosolo ndi maubwenzi abwino ndizofunikira kwambiri pothana ndi zovuta za ulova.
- Kodi mumathandiza bwanji kasitomala amene wachotsedwa ntchito?
Thandizani makasitomala kugwiritsa ntchito inshuwaransi yawo yotaya ntchito moyenera. Atsogolereni pa ndondomeko ya zodandaula, kuonetsetsa kuti akuthandizidwa panthawi yake. Gwirani ntchito pa bajeti, kuphatikiza phindu la inshuwaransi, ndikupereka chithandizo chamalingaliro. Perekani zothandizira pa intaneti, chitukuko cha luso, ndi kufufuza ntchito mwakhama kuti muthe kuthana ndi mavuto a ulova.
Ref: Yahoo
