Uma uke wahlaba ikhefu lokugula, uke uzithole usesimweni sokungafuni ukuhamba usaba “ukubanjwa” bese ubhaliswa ngoba awukwazi. Kodwa, Ungakwazi yini ukuhamba ngenkathi uselivini yokugula? Ingabe kusemthethweni noma empeleni kuyinto engenziwa?
Uma uyicabangela futhi ubulokhu ucabanga ukuthi yayingekho emthethweni, noma ukuthi yayisemthethweni, kulesi sihloko sifuna ukukunikeza impendulo ukuze wazi ngokuqinisekile ukuthi ungakwenza noma cha.
Ungakwazi yini ukuhamba ngenkathi uselivini yokugula? Yilokhu okushiwo umthetho
Ukuze wazi ukuthi ungakwazi yini ukuhamba usekhefini lokugula noma cha, into yokuqala oyidingayo ukwazi ukuthi yimuphi umthetho okufanele uthintane nawo. Futhi impendulo yalokho kungabaza yiGeneral Social Security Law. Esihlokweni sayo esithi 175 isitshela ngezimbangela zokuthi isisebenzi silahlekelwe wukukhubazeka kwesikhashana kanye nokuqoqwa koxhaso. Ikakhulukazi, isitshela lokhu okulandelayo:
"1. Ilungelo lezinzuzo zokukhubazeka zesikhashana lingase linqatshelwe, lichithwe noma limiswe:
a) Uma ohlomulayo enze ukukhwabanisa ukuze athole noma agcine lowo mhlomulo.
b) Uma ohlomulayo ezisebenza noma ezisebenza.
2. Ilungelo lokuthola uxhaso kungase futhi limiswe lapho, ngaphandle kwesizathu esizwakalayo, ohlomulayo enqaba noma elahla ukwelashwa okubonisiwe.
3. Ukwehluleka komzuzi ukuvela kunoma yiziphi izingcingo ezenziwe odokotela abanikezwe Isikhungo Sikazwelonke Sokuvikeleka Komphakathi kanye nezinhlangano ezihlangene ezisebenzisana ne-Social Security ukuze zihlolwe futhi zihlolwe kuzoveza ukumiswa kwelungelo lokuqikelela, ukuze kuqinisekiswe ukuthi bekufanelekile noma cha. Inqubo yokumisa ilungelo kanye nemiphumela yako izolawulwa ngomthetho.
Ngakho-ke, ngemva kokuyifunda, uzobona lokho Akukho ndawo kulesi sihloko lapho iveza khona ukuthi abantu abanokukhubazeka kwesikhashana benza noma yikuphi ukukhwabanisa, noma ukuthi akukho emthethweni ukuhamba ngenkathi usekhefini lokugula.
Manje, uchungechunge lwezindaba ezibalulekile kufanele lucatshangelwe.
Kuyini ukukhubazeka kwesikhashana
Uma sikhuluma ngekhefu lokugula, okujwayelekile wukuthi lidalwa wukukhubazeka kwesikhashana. Kodwa luyini lolu hlobo lokukhubazeka? Kuyi-a isimo lapho umsebenzi engakwazi ukusebenza isikhathi esithile ngenxa yokugula noma ingozi emsebenzini. Lokhu kubandakanya nokukhulelwa, ukudangala noma izingozi ezingezona ezomsebenzi.
Ukukhubazeka kwesikhashana Icutshungulwa lapho umsebenzi oqashiwe echitha izinsuku ezingaphezu kwezintathu esekhefini lokugula. Ngesikhathi sosuku lwesine, uma kunesidingo, udokotela ucubungula ikhefu ngenxa yokukhubazeka kwesikhashana, okungahlala kusukela ezinsukwini ezine kuze kube isikhathi eside njengoba uchwepheshe ebona kufanelekile.
Ngalesi sikhathi sekhefu lokugula, isisebenzi asishiywa dengwane, kodwa kunalokho, esikhundleni sokuthola iholo laso elivamile, sizothola i-temporary disability allowance (IT), okuzoncika esikhathini esisichithe silivu yokugula. Kusukela ngomhla ka-4 kuya kowama-20, kokubili kuhlanganisiwe, uzokhokhisa u-60% wesisekelo sokulawula. Kodwa uma ngemva komhla zingama-20 usesekhefini lokugula, uzokhokhiswa u-75% wesisekelo sokulawula uze uqalise kabusha ukubhalisa kwakho.
Manje, lokhu akunjalo ngaso sonke isikhathi. Izosebenza kuphela esimweni sokugula okuvamile kanye nengozi engekho emsebenzini, noma esimweni sokukhubaza okwesibili ukuya esikhathini nokunqanyulwa kokukhulelwa futhi kusukela osukwini lokuqala lwesonto lamashumi amathathu nesishiyagalolunye lokukhulelwa.
Uma ukukhubazeka kwesikhashana kubangelwe isifo somsebenzi noma ingozi yomsebenzi, uzoqala ukuqoqa u-75% wesisekelo sokulawula kusukela ngosuku lwekhefu lokugula.
Izidingo zokuhamba ngenkathi usekhefini lokugula
Njengoba ubonile ngaphambili, ungahamba ngenkathi usekhefini lokugula. Ngokuphambene nalokho okuvame ukucatshangwa, akukho lutho emthethweni olusho okuhlukile. Kodwa kufanele kucatshangelwe ukuthi izidingo ezithile zizodingeka ukuze uhambe kuleso simo.
Owokuqala yilokho Lolo hambo alusenzi sibe sibi kakhulu isimo esibangele ukuthi uhambe.. Isibonelo, ake ucabange uhamba uhambo oluya e-Machu Pichu ukuyoyibona, futhi kuvela ukuthi ukungabikho kwakho kungenxa yokuthi unenkinga yamadolo. Akukho okuzokwenzeka ekuhambeni lapho, kodwa ukwenza lokho wazi ukuthi uzohamba ngezinyawo futhi lokho kungase kubhebhethekise ukugula onakho.
Elinye iphuzu okufanele ulikhumbule lapho uhamba ngenkathi uthatha ikhefu lokugula ukuthi Lolu hambo alusho ukumiswa kokwelashwa okwenziwayo. Isibonelo, zicabange une-rehab kabili ngesonto. Futhi unquma ukuthatha uhambo isonto lonke. Ukwehluleka ukuthobela ukwelashwa kungabeka uxhaso lwakho engcupheni.
Kunoma yikuphi, ukuhamba kuyanconywa ube nesigunyazo esikhishwe udokotela womndeni okuqinisekisa, ngandlela thize, ukuthi ungakwazi ukuhamba nokuthi lokhu akukhiqizi isizathu esibangele ukuhoxa noma ukuthi lolu hambo noma imisebenzi izovinjelwa.
Ingabe i-Mutual Fund ingangenqabela ukuthi ngihambe?
Usuvele wazi ukuthi, ngaphezu kwezikhathi zokuhlolwa kwezempilo ozoba nazo nodokotela wakho, lapho ilivu iqhubeka ngokuhamba kwesikhathi kungenzeka ukuthi baqale ukukufonela bevela kuLabour Mutual Fund inkampani yakho esebenza nayo.
Lona unesibopho "sokuqinisekisa" ukuthi usekhefini ngempela futhi awenzi ukukhwabanisa, futhi yingakho kunguye okufanele umqaphe kakhulu.
Futhi into ewukuthi, uma okwamanje benza i-aphoyintimenti nawe noma beyokubona awukho endaweni yakho yokuhlala, futhi awuhambi ngesikhathi sokuqokwa, kungase kubangele ukuhlolwa futhi uxhaso lwakho lwenqatshelwe, lukhanselwe noma lumiswe. Kodwa, ngaphezu kwalokho, bangakukhipha (ngisho noma udokotela wakho ekuphikisa).
Sicela uqaphele ukuthi ama-aphoyintimenti ngokuvamile kufanele aziswe okungenani kusasele izinsuku ezine zebhizinisi. Okusho ukuthi ungahambela izindawo ezingekude kakhulu nasekhaya ukuze kuthi uma wazisiwe nge-aphoyintimenti, uye kuzo ngaphandle kwenkinga.
Manje usunayo impendulo yokuthi ungakwazi yini ukuhamba ngenkathi uselivini yokugula. Isincomo sethu ukuthi, uma ukwenza, kwenze ezindaweni eziseduze futhi njalo ngokugunyazwa kwezokwelapha ukugwema izinkinga.