Abameli
Abameli Bemtholampilo Emuva. Ummeli wokulimala komuntu ummeli ohlinzeka ngokumelela okusemthethweni kulabo abathi balimele, ngokomzimba noma ngokwengqondo, ngenxa yobudedengu noma ububi bomunye umuntu, inkampani, i-ejensi kahulumeni, noma enye inhlangano.
Abameli bokulimala komuntu bajwayele ukwenza ngokuyinhloko indawo yomthetho eyaziwa ngokuthi umthetho wokuhlukumeza. Ngisho noma abameli bokulimala komuntu siqu beqeqeshiwe futhi benikezwe ilayisense ukwenza cishe noma yimuphi umkhakha wezomthetho, ngokuvamile baphatha kuphela amacala awela ngaphansi komthetho wokuhlukunyezwa okuhlanganisa ukulimala emsebenzini, imoto, nezinye izingozi, imikhiqizo enesici, amaphutha ezokwelapha, kanye nezingozi zokushelela nokuwa.
Inkulumo ethi “abameli bokuqulwa kwecala” ingabhekisela kubameli abalimala komuntu siqu, nakuba amacala amaningi asingathwa abameli bokulimala komuntu siqu exazululwa kunokuba aye enkantolo nezinye izinhlobo zabameli, njengabameli babamangalelwa nabashushisi bobugebengu, nazo zivela ekuqulweni kwamacala. Ummeli wokulimala komuntu unezibopho eziningi ekukhonzeni amakhasimende akhe.
Lezi zibopho zihlanganisa kokubili imithetho yobungcweti kanye nezimiso zokuziphatha kanye namakhodi okuziphatha abekwe izinhlangano zabameli bombuso lapho abameli benikezwe ilayisensi. Uma sebenikezwe ilayisense yokusebenza njengomthetho yinhlangano yabo yabameli bombuso, abameli bavunyelwe ngokusemthethweni ukuthi bafake izikhalazo zomthetho, baphikisane namacala enkantolo yezwe, bahlele imibhalo yezomthetho, futhi banikeze izeluleko zomthetho kuzisulu zokulimala komuntu siqu. Ukuze uthole izimpendulo zanoma imiphi imibuzo ongase ube nayo sicela ushayele uDkt. Jimenez kokuthi 915-850-0900
by UDkt Alex Jimenez Ukulimala Kwengozi Yezimoto , I-Car Accident Specialist , El Paso Chiropractic Izindaba , Abameli , Ikhona le-Med-Legal , Ukulimala Komuntu , Ubufakazi
Sikwethulela u-Truide Torres Jimenez . ( Umqondisi Womtholampilo: Umtholampilo Wezokwelapha Wokulimala PA Nommeli Wobudlelwano Nesiguli & INDLELA Engeziwe)UTruide ubelokhu esebenza iminyaka engu-20 edlule ekuxazululeni izimangalo. Usebenzisana neziguli futhi uyatholakala ukuxazulula izingxabano. Usebenza futhi njengomxhumanisi wesiguli ezindabeni zomtholampilo nezomthetho.
UTruide Torres Jimenez (Umlando Kafushane Nomyalezo Wakhe Womuntu Siqu) Ngenxa yokushisekela ukwenza lokho okuzuzisa isiguli, ngivuka njalo ekuseni nginomfutho wokusiza labo abaswele. Inqubo yokufaka izicelo zokunakekelwa kwezempilo igcwele imigodi, izigodi, nezithiyo ezinzima eziklanyelwe ukushaya ukwesaba kulabo abadinga usizo. Umsebenzi wami uwukwenza lokho okungaphakathi kwemingcele yomthetho, “noma yini edingekayo,” ukuze ngenze abathintekayo banake labo abadinga usizo. Yilokho engihloniphekile ukukwenzela iziguli zethu.
Inhloso Yami: Ekutholeni inhloso yami, ngithola "Kungani" okukhulu ngemuva kwebhizinisi lami. Lokhu kubalulekile ezinseleleni engizibonile kulezi zikhathi. Usuku nosuku, ngifuna umlayezo kaNkulunkulu enjongweni yami, engithandazayo ukuthi ingibeke kwelinye izinga. Ekupheleni kosuku, nami, angifuni ukusebenza ngenxa yokusebenza. Njengabantu kanye nabantu abesaba uNkulunkulu, siyathanda ukwazi ukuthi sihambisana nalokho esizizwa sibizelwe ukukwenza. Ngakho ukuthola injongo yami kanye "kungani" kwami kuhlale kubaluleke kakhulu kimi. Ngiyabathanda abantu, futhi ngifuna ukubasiza, ikakhulukazi lapho beswele.
Ukuzibophezela Kwami Njengoba kuchaziwe, ukuzibophezela "kuyisimo noma ikhwalithi yokuzinikela ekwenzeni umsebenzi, njll." Ngaphandle kokuzinikela, kunzima, noma kungenzeki, ukudlulela ezinseleleni ukuze sifinyelele izinhloso zethu. Ukuzibophezela kwami ukusebenzela omunye wami ezidingweni zabo zomtholampilo futhi ngibatholele isisombululo esifanele.
Ukuzinikela Kwami: "Ikhwalithi yokuzinikela noma ukuzinikela emsebenzini noma inhloso yilokho engikulwela nsuku zonke nsuku zonke." Ngihlale ngibatshela abantwabami ukuthi uma usunenhloso uzibophezele kukho, usubona kahle. Nami ngiyazama ukuphila impilo yami ngalawo mazwi. Yebo, ngumsebenzi, futhi akukho okungathatha indawo ngaphandle kokumba ukuze wenziwe. Akukho okungathatha indawo yokuzilolonga nokuzilungiselela. Impumelelo yethu ngeziguli zethu ibilokhu incike ezingeni lokuzikhandla thina njengeqembu esikwazile ukugxila kulo ngemisebenzi yethu ezimele nebekwe phambili ngokulinganayo. Ngiyazibophezela ekuzinikeleni enjongweni yethu eqondiswe nguNkulunkulu.
Ukukhuthazela Ngikholelwa ukuthi ukuze ubekezele, kufanele ubonise umzamo oqhubekayo wokwenza noma wokuzuza okuthile naphezu kobunzima, ukwehluleka, noma ukuphikiswa. Ngeziguli zethu nalabo esibasizayo, sibhekana nezinselele eziningi kanye nezidingo futhi sithandazela amandla okuphusha futhi siziphakamise lapho siphansi. Ngiyakwazi nje ukucabanga ukuthi amaklayenti ami azizwa kanjani. Ngaleso sizathu, ngiphusha kanzima ukuze ngibasize. Kalula nje, inselele ngayinye esiyinqobayo njengeqembu, kulapho singakwazi khona ukusiza iziguli zethu nalabo abadinga usizo. Ngakho-ke sihlala enkambweni futhi sinqobe ukwesaba nobunzima iziguli zethu ezinazo futhi sizisize zikhuthazele ngokomtholampilo.
Ngokwami, ngiye ngabona ukungabi nabulungisa okukhulu okwenzeka kulabo ABANGENALO izwi ezweni lanamuhla. Kungakhathaliseki ukuthi isithiyo solimi noma ukungazi nje imithetho. Umsebenzi wami ukuthola ukuthi ngingasiza kanjani. Uma mina ngokwami ngingakwazi ukusiza, ngizothola imithombo efanele yokuvula amathuba. Bese ngiwenza umsebenzi.
Njengonkosikazi nomama wezingane ezi-2, izinja ezi-2 namakati angu-3, uthando lwami ngoNkulunkulu, Umndeni, kanye nomsebenzi wokusebenzela abanye abantu.
Ngishayele uma udinga usizo ngezindaba zomtholampilo:
Ihhovisi 915-850-0900 / Iseli: 915-252-6149
Truide Torres - Jimenez Ummeli Wesiguli: I-Injury Medical Clinic PA
by UDkt Alex Jimenez Ukufaneleka , Izindaba Zezempilo El Paso , Abameli , Ikhona le-Med-Legal
Izihloko ezihlobene Nalesi
Ukuqokwa kodokotela abakude kungenzeka kuyeza maduze ehhovisi lomhlengikazi wesikole.
Kusukela ngo-Septhemba 1, umthetho omusha uzovumela odokotela ukuthi bakhokhelwe ngokubona izingane ngengxoxo yevidiyo eyinkimbinkimbi, inqobo nje uma umfundi esesikoleni futhi ebhalise ohlelweni lukahulumeni lwe-Medicaid lwabampofu nabakhubazekile. Abasekeli balo mthetho bathi kungase kuholele ekutheni izikole eziningi kuzwelonke zimise amahhovisi abahlengikazi ahlomele ukuhambela kude nodokotela - futhi konge isikhathi nemali yabazali.
Bathi abantu abadala akufanele bathathe ikhefu emsebenzini futhi izingane akufanele ziphuthe esikoleni ukuze zithole ukunakekelwa kwezempilo okujwayelekile, njengalapho ingane inendlebe noma iqubuka esikhunjeni, ngoba ubuchwepheshe besimanje buvumela udokotela okude ukuba athole usizo oluphuthumayo. izinga, ulwazi olusheshayo mayelana neziguli. I-electronic stethoscope ivumela udokotela ukuthi ezwe ukushaya kwenhliziyo yengane, isibonelo, futhi i-otoscope yedijithali inikeza ukubuka endlebeni yengane - konke ngaphansi kokugadwa ngunesi wesikole.
Khona-ke, uma udokotela enza Ukuxilongwa, abazali bangathatha incwadi yengane yabo ekhemisi lapho besendleleni ebuya emsebenzini, kusho uRep. Jodie Laubenberg , ongowaseRiphabhulikhi yaseParker kanye nombhali walo mthethosivivinywa.
“Ufuna ukukhuluma ngokufinyelela? Ingabe ufuna ukukhuluma mayelana nokufinyeleleka? Lokhu wukufinyelela kwabo,” kusho uLaubenberg. “Singayelapha ingane, siyilungisele ukuhamba, siyishiye lapha.”
“Akudingeki ukuba uyeke emsebenzini,” kusho yena. “Akumele ayeke isikole. Ayiphazamisi kangako.”
I-Texas akusona isimo sokuqala sokukhokhela odokotela nge-telemedicine yasesikoleni yeziguli ze-Medicaid. IGeorgia neNew Mexico zinemithetho efanayo ezincwadini, ngokusho kwe-American Telemedicine Association.
U-Laubenberg uthe ubhale lo mthethosivivinywa ukuze asekele izinhlelo ezifana nalolo olusetshenziswa ohlelweni lwesibhedlela Sezempilo Sezingane eNyakatho Texas. Lapho, izingane ezivela ezikoleni zebanga le-27 esifundeni saseDallas-Fort Worth zinokufinyelela nge-elekthronikhi kubahlinzeki bezempilo abathathu - udokotela oyedwa kanye nabahlengikazi ababili - kuyilapho abahlengikazi besikole behlala lapho bevakashelwa. Okhulumela iChildren’s uthe lolu hlelo luzokhula maduzane lufinyelele kwezinye izikole ezingu-30.
Kulolo hlelo, abahlengikazi besikole - abasebenzi bezempilo abangenazo ngempela iziqu zobunesi - bangahlola izingane, futhi, uma zinenkinga yempilo esobala, bathumele imininingwane yabo Kwabezingane ukuze bahlele isikhathi esibekiwe. Lolu hlelo okwamanje luxhaswe yibhodwe leminyaka emihlanu iningi lemali yenhlangano.
I-Children's ithi umthetho omusha uzovumela uhlelo lwawo ukuthi luhlale lusebenza kahle ngokwezimali uma lowo mthombo wezimali uphela, futhi uvumele izinhlelo ezifanayo ukuthi zibambe izwe lonke.
“Impilo Yezingane ezinhlelweni zethu ngeke ibe [umnakekeli oyinhloko] wayo yonke ingane engena emnyango, ngakho ukuze siqhubeke nohlelo, kwakudingeka sikwazi ukukhokhela leyo nkonzo,” kusho uJulie Hall Barrow. , umqondisi omkhulu wokuqanjwa kabusha kokunakekelwa kwezempilo kanye ne-telemedicine yohlelo lwesibhedlela.
Ezinye izinhlelo zingase zilandele okufanayo. Isikole sezokwelapha sase-Texas Tech University sibambisene nesifunda sesikole e-Hart ukuqhuba umtholampilo we-telemedicine osesikoleni isikhathi esingaphezu kweminyaka eyishumi. Lokho, abalandeli bathi, kwandise ukufinyelela ekunakekelweni kwezempilo emphakathini wasemaphandleni enyakatho yeLubbock.
“Amaphesenti angamashumi ayisishiyagalolunye alokho ongakubona emtholampilo wezingane ojwayelekile, singakusingatha nge-telemedicine,” kusho uRichard Lampe, usihlalo woMnyango Wezifo Zezingane e-Texas Tech University Health Science Center. Uthe lokho kuhlanganisa ukulimala kwezemidlalo, i-strep throat - naphakathi kwabafundi besikole esiphakathi nesesekondari ikakhulukazi, izifo zengqondo ezifana nokukhathazeka nokucindezeleka.
Kepha kusenemibuzo ngaphansi komthetho omusha mayelana nokuthi izikole zizonquma kanjani ukuthi yibaphi abafundi abafanelekela ukuvakashelwa odokotela. Umbuso uzokhokhela odokotela kuphela ngokubona izingane uma zibhalise ohlelweni lwe-Medicaid.
"Ngicabanga ukuthi umbuzo uya kuwo, kwenzekani uma ingane igula futhi ingenayo i-Medicaid?" kusho u-Quianta Moore, ongumcwaningi e-Rice University's Baker Institute for Public Policy, obhale nge-telemedicine esekelwe esikoleni.
Lokho kungase kuphakamise imibuzo mayelana nokulingana nokufinyelela, kusho uMoore, ngoba ukwenza “ukungenelela kwezempilo esikoleni empeleni kusebenza kahle kakhulu.”
Abagxeki bathi ukwanda kokuvakasha kodokotela ezikoleni kungaholela ekutheni odokotela abaningi basebenzise imithi ngendlela engafanele ezinganeni.
"Ngezinye izikhathi uzogcina unodokotela ongenalwazi olwanele ngomlando wesiguli noma izinto ezingezwani nazo emzimbeni," kusho u-Lee Spiller, umqondisi wenqubomgomo egatsheni laseTexas laseTexas. Ikhomishini Yezakhamizi Yamalungelo Abantu , umlindi wezempilo yengqondo ongenzi nzuzo. "Ungalindela kanjani ukuthi ingane izazi ngempela izingozi, ukungezwani komzimba nezinto ezithile, umlando wezokwelapha?"
USpiller uphinde wathi ukhathazekile ngokuthi abazali abasayine amafomu emvume yokulala ekuqaleni konyaka ngeke baqonde ngokugcwele ukuthi yini abasayinela izingane zabo.
E-Dallas, e-Uplift Peak Preparatory, umsizi wehhovisi lezempilo uRuby Jones uthe abanye abazali bakhethe ukungawasayini amafomu emvume, kodwa uma izingane zabo zigula futhi ziza ukumvakashela, uzozama ukukhuluma nazo “ngethuluzi elimangalisayo” le-telemedicine. .
Wathi uJones: “Akukho okuzuzisa kakhulu uma … ubona isifundiswa sehla ngehholo bese sithi, 'Siyabonga, Nks. Jones. Ngizizwa ngingcono.'”
Kuwo wonke u-August, i-Texas Tribune izoveza izindlela ezingu-31 izimpilo ze-Texans ezizoshintsha ngazo ngenxa yemithetho emisha eqala ukusebenza ngoSepthemba 1. Hlola yethu ikhalenda lendaba ukuze uthole okuningi.
Ababhali: Alana Rocha , Justin Dehn futhi Edgar Walters - I-Texas Tribune
I-Texas Tribune iyinhlangano yemidiya engahlanganyeli, engenzi nzuzo eyazisa i-Texans - futhi ixoxisane nabo - mayelana nenqubomgomo yomphakathi, ezombusazwe, uhulumeni kanye nezindaba zezwe lonke.
by UDkt Alex Jimenez I-Chiropractic , Abameli , Ikhona le-Med-Legal , Ukulimala Komuntu , I-Scoop.it
Ucwaningo lwamanje olwenziwe yi-US Chamber of Commerce's Institute for Legal Reform, noma i-ILR, lunqume ukuthi ezimbalwa zezikhangiso ezibiza kakhulu ngaphansi kwamagama okusesha adumile ku-Google, okuhlanganisa imishwana efana nokuthi “Abameli abaphezulu bokulimala komuntu” kanye “nommeli wengozi e-El Paso” , kubiza abameli bokulimala komuntu siqu cishe u-$700 njalo lapho ikhasimende okungenzeka lichofoza kukho.
Nakuba lezi zindleko eziphakeme zibonise inkambiso yokukhangisa ekhulayo phakathi kwabameli, lezi zibalo zenze ukukhathazeka okukhulu phakathi kwama-Texans abazisa ubuqotho bohlelo lwabo lobulungiswa bomphakathi. Eqinisweni, inani elandiwe lokukhangisa kommeli wokulimala komuntu siqu libonisa ukuthi izikhangiso eziye zadukisa kanjani, ukubeka ukuhaha ngaphambi kobulungisa. Ngaphezu kwalokho, le ndlela yokukhangisa ingathwalisa kanzima izinkantolo ngamacala angabazisayo, okuholela ekubambezelekeni okwengeziwe kanye nokwenqatshwa kobulungisa kulabo abanezicelo ezisemthethweni ezisemthethweni.
Ngokocwaningo lwe-Institute for Legal Reform, abameli bokulimala komuntu e-United States balinganiselwa ukuthi basebenzise isamba esingu-$892 million ekukhangiseni kumabonakude ngo-2015, okuwukukhula kusuka ku-$531 million ngo-2008. Isamba esikhulu esatshalwa kulezi zikhangiso ezibizayo. ezisetshenziswe ocwaningweni ukuze zibonise indlela abameli abaningi abalimalayo abanentshisekelo enkulu ngayo ekufakeni amaphakethe abo kunokuba babe nentshisekelo ekuphepheni kweklayenti kanye nempilo nempilo yonke.
Ucwaningo lwamanje olwenziwe yi-US Chamber of Commerce lubeke amadolobha ahlukahlukene e-Texas phakathi kwezikhundla eziphezulu zikazwelonke zokukhangisa kommeli wokulimala komuntu. Ukwenyuka okungamaphesenti angama-68 ezikhangisweni zommeli wokulimala komuntu kumabonakude ngesikhathi sangaphambili Ukwanda okusobala okungamaphesenti angaba ngu-68 ezikhangisweni zikamabonakude zommeli wokulimala komuntu kule minyaka eyisishiyagalombili edlule kwakuphawuleka kakhulu e-Houston, eTexas, kukleliswe phakathi kwezimakethe zethelevishini eziyi-10 eziphezulu zase-United States. ukukhangisa kommeli wecala ngo-2015.
Ngoba ama-Texans amaningi aseqalile ngokuya nge-inthanethi nethelevishini ngobuningi bempilo yawo
Abantu kufanele baqale ukuqonda inhloso yokukhangisa kommeli wokulimala komuntu. Abameli abaningi abalimalayo bazenzela bona ngokwabo, lokho ngokuvamile okungazuzisi ngamakhasimende neziguli. Ama-Texans kufanele afunde ukuzivikela kulabo abaqasha inhloso yabo eyinhloko iwukukhulisa ama-akhawunti abo asebhange kunokusiza izisulu eziwadingayo. Amaklayenti anemibuzo emayelana nokunakekelwa kwezokwelapha kanye nokwelashwa okubafanele ukuze axazulule izinkinga zawo kufanele abuze udokotela wawo, udokotela wezifo zesikhumba noma uchwepheshe wezokwelapha, hhayi ummeli wokulimala komuntu siqu. Ngokulandelayo, abantu kufanele baqaphele izikhangiso ezidukisayo ezizama ukubaqondisa kude nochwepheshe bezempilo.
Ukukhangisa kokulimala komuntu siqu okudukisayo kungabeka impilo nempilo yabantu iyonke engcupheni. Ngenhlanhla, kunezindlela zokugwema imiphumela yalokhu mkhuba ovame ukuzicabangela wona: ungavumeli ummeli abe udokotela wakho, udokotela wezifo zamathambo noma uchwepheshe wezokwelapha.
Kujwayelekile ukuthi abameli abalimele bakhangise ku-inthanethi nakumabonakude namuhla. Kodwa-ke, ucwaningo lwakamuva luye lwaqala ukubonisa ukuthi kusukela ezikhangisweni eziningi, amaphesenti anyukile azo adukisayo, aqondise abantu kude nokunakekelwa kwezokwelapha kanye nokwelashwa ngemva kokubandakanyeka ecaleni lokulimala komuntu siqu.
UMarcus Jahns waseSan Antonio ungusihlalo we-Texans Against Lawsuit Abuse, www.tala.com .
Ukuze uthole ulwazi olwengeziwe, sicela ukhululeke ukubuza uDkt. Jimenez noma usithinte ku 915-850-0900 .�
Kuxhaswe nge-Scoop.it kusuka: www.dralexjimenez.com
NguDkt. Alex Jimenez
Izihloko ezengeziwe: Ubuhlungu Bentamo Nokulimala Okuzenzakalelayo
Ubuhlungu bentamo bubonakala njengophawu oluvame kakhulu ngemva kokubandakanyeka engozini yemoto. Ngesikhathi sokushayisana okuzenzakalelayo, umzimba uvezwa amandla amaningi ngenxa yesivinini esikhulu, okubangela ukuthi ikhanda nentamo zinyakaze emuva naphambili njengoba wonke umzimba usamile. Lokhu kuvame ukuholela ekulimaleni noma ukulimala komgogodla womlomo wesibeletho kanye nezicubu ezizungezile, okuholela ebuhlungu bentamo kanye nezinye izimpawu ezivamile ezihambisana nokuphazamiseka okuhlobene ne-whiplash.
VIDEO
by UDkt Alex Jimenez Abameli , Ukulimala Komuntu , I-Scoop.it
UKUGQIBELA UMSHINI WOKUTHOLA UMTHETHO WOKULIMALA
Njengoba nje eminye imikhankaso yokukhangisa eyisakhiwo sodumo engase idale phakathi kwethu isibopho esiyingqayizivele samasiko, ababukeli be-TV nabasebenzisa i-inthanethi namuhla babelana ngolwazi olufanayo. Sonke siyazi � futhi sicasulwa � izikhangiso zommeli wokulimala komuntu siqu, �Uma uke walimala, shayela manje ukuze uthole ukubonisana kwamahhala��
Ukukhangisa kommeli wokulimala komuntu kuyinto enkulu kakhulu ezikrinini zethu ze-TV kanye nokusesha kukhompuyutha. Futhi into ebonakala kakhulu yomjikelezo ononya wokuhlukunyezwa kwamacala kuleli zwe. Ivelaphi imali yalezi zikhangiso? Abameli bokulimala komuntu bathola amacala acebile avame ukuba buthaka emaqinisweni noma agqugquzelwe imithetho engalingani. Inzuzo abayivuna kulawa macala ingena kumthamo omkhulu wezikhangiso zokulimala esizibona njalo, ukuze bakwazi ukuthola abamangali abaningi emacaleni athandabuzekayo kakhudlwana.
Kusetshenziswe imali elinganiselwa ku-$900 million ngonyaka odlule ukulimala komuntu siqu izikhangiso ku-TV kuphela, ngokombiko we-US Chamber Institute for Legal Reform. Ku-inthanethi, ngaphezu kwamaphesenti angu-90 amagama aphezulu angu-25 abiza kakhulu osesho lwe-Google ahlobene nokuqulwa kwamacala, ngokombiko, futhi amanani aphezulu akhokhelwa yisidingo esikhulu sabakhangisi.
Kungani ukhangisa ngo-24/7 kubamangali? Ukudala �amalungu ekilasi� abameli bokulimala komuntu siqu ukuze balethe amacala amaningi okuhlukumeza. Kwenzekani ezigidini zabamangali ababhaliswe yizikhangiso nezixhumanisi zewebhu? Athengwa futhi adayiswa ngabaphehli bamacala njengokungathi yizinkomo noma ummbila wekusasa. Ubani olawula lezi zikhangiso ukuze aqinisekise ukuthi ziyiqiniso futhi zinokuziphatha okuhle? Njengoba ungase uqagele ngokubuka izikhangiso, azilawulwa nhlobo � kodwa kufanele!
Lokhu kuqashwa kommangali onolaka kuhlanganisa nje ingxenye yomjikelezo wokuhlukunyezwa kwamacala � imithetho evumelana necala yenza abameli bokulimala komuntu bacebe njengoba befaka amacala amaningi, futhi ingcebo yamacala ithenga cishe izigidigidi ezikhangisweni ze-TV ukuze kuhlanganiswe abamangali abaningi namacala akhiqiza ingcebo. . Olunye umjikelezo wokuhlukunyezwa kwamacala abameli bokulimala komuntu siqu abafaka imali yabo emikhankasweni yezombusazwe futhi besekela osopolitiki abasekela amacala abasiza ekulondolozeni imithetho engalingani � futhi bazame ukudala emisha. Kubonakala kuyinkimbinkimbi? Akunjalo, futhi siyibeke ngemifanekiso embalwa lapha .
Ngakho-ke ngesikhathi esilandelayo lapho ubona isikhangiso sokulimala komuntu siqu esikunikeza iseluleko mayelana nokuthi yini okufanele uyenze, khumbula lezi zinto ezintathu:
OKUNYE OKUHAMBA NEZIKHANGISO ZOKULIMALA KOMUNTU
Nakuba izwe lethu linezinhlaka ezilawulayo umgomo wazo okuwukuqinisekisa ukuthi izikhangiso zinembile futhi ziqondile kubathengi baseMelika, iqembu elilodwa libalekela izimiso zokukhangisa: abameli bokulimala komuntu siqu. Leli qembu ligcwele amagagasi omoya kanye ne-inthanethi ngezikhangiso ezenza izimangalo ezingenabufakazi noma ezeqisayo ukuze zihehe abangaba abamangali emacaleni enza laba bameli bokulimala komuntu siqu babe izigidi.
Sonke siyazazi izikhangiso ezithusayo ezixwayisa ngezingozi zezempilo noma uhlu olude lwemiphumela engemihle kanye nesinxephezelo semali esithembisayo ezigulini. Nokho lezi zikhangiso zecala ezihehayo aziwavezi amathuba aphansi okuba nomthelela ongemuhle wezempilo. Lokho kungenxa yokuthi izikhangiso zecala azikho ngaphansi kwezinga elifanayo lokugadwa ukuze kube nokunemba nokudalulwa njengokukhangisa kwezinye izimboni.
Umehluko usobala uma ubheka ukuthi ezinye izikhangiso ezikhuluma ngokwelashwa kwezempilo zilawulwa ngokuqinile kangakanani. I-Federal Trade Commission (FTC) ilawula zonke izikhangiso zomkhiqizo wabathengi lapho umkhiqizo wenkampani ungathinta impilo yabathengi, igcizelela ukuthi lezi zikhangiso kufanele:
abe neqiniso futhi angakhohlisi
babe nobufakazi bokusekela izimangalo
kungabi ngokungalungile, futhi
faka kuphela ubufakazi obunembile obudalula noma yiluphi ulwazi olungase lube nomthelela kubathengi
Azikho kulezi zimfuneko ezikhona ezikhangisweni zamacala, ezingasho noma yini eziyifunayo mayelana nemiphumela yokwelashwa noma imikhiqizo yezempilo. Ngaphandle komthethonqubo, abameli bokulimala komuntu siqu bangenza idrama yezingozi zomkhiqizo kuyilapho bengaziboni izinzuzo.
Ukwengeza, i-Federal Drug Administration (i-FDA) idinga ukuthi izikhangiso zesimangalo somkhiqizo kufanele zethule izinzuzo nezingozi zomuthi kadokotela ngendlela elinganiselayo. Izinkampani zidingeka ukuthi zibhale ubungozi obubaluleke kakhulu bomuthi. Ngokufanayo ne-FTC, i-FDA idinga ukuthi lezi zikhangiso akumele zibe amanga noma zidukise nganoma iyiphi indlela.
Le mikhawulo ayisebenzi ezikhangisweni zamacala, ezivame ukudukisa ngamabomu. Kunokuhlolwa okuqinile kanye nobufakazi besimangalo okufanele izidakamizwa zidlule kuzo zonke izimangalo ezidayiswayo, kodwa ayikho inqubo enjalo ekhona yezikhangiso zamacala. Ngakho-ke, sibona izikhangiso ezinezimangalo ezingenabufakazi ezivela ezifundweni abameli bokulimala komuntu okungenzeka bazinikezile noma ezivela kodokotela abaholayo. Lokho akubonakali kulinganisela.
Ngisho nezikhangiso zezimonyo zilawulwa ngokuqinile kunezikhangiso zamacala. Izikhangiso zezimonyo zingaphansi kwemithetho yokukhangisa efanayo naleyo i-FTC eyisebenzisela ezinye izimboni (okungukuthi, ubulungisa, obusekelwa ubufakazi, obungakhohlisayo, njll.) Le mithetho ikhona ngesizathu, futhi izikhangiso zommeli wokulimala komuntu siqu kufanele zigcinwe ngendlela efanayo. amazinga njengoba kudingwa abanye abakhangisi.
Kunomonakalo ekuvumeleni izikhangiso zecala ukuthi ziqhubeke zenze izimangalo ezidukisayo � kungase kube yingozi kubathengi, abazwa ngokuphindaphindiwe lezi zimemezelo ezingalawuleki, ezingalawulwa. Abathengi baseMelika bagcwele izikhangiso zabameli bokulimala komuntu � ngeke sikwazi ukuzibalekela. Eqinisweni, ezweni lonke, abameli bokulimala komuntu siqu basebenzisa imali efika ku-$75 million inyanga ngayinye kulokhu kukhangisa.
Ngenxa yalokhu kuhlasela kwezikhangiso ezibangela ukwethuka, iziguli ziya ngokuya ziyeka ukwelapha ukunakekelwa kwezempilo udokotela wazo akholelwa ukuthi kuzozinikeza izinzuzo ezibalulekile futhi kubangele ingozi encane. Abantu baseMelika balalela izikhangiso ezingalawulwa esikhundleni sodokotela babo, odokotela abathintekayo. Yingakho iMelika Medical I-Association, inhlangano emele odokotela nabafundi bezokwelapha abangaphezu kuka-200,000, yatusa ukuba izikhangiso zamacala zize nesexwayiso sokuthi iziguli kufanele ziqale zibonane nodokotela ngaphambi kokuyeka imithi.
Lawa maqhinga okukhangisa ahloselwe ukudala amacala kanye nokucebisa abameli bokulimala komuntu siqu. Abathengi bafanelwe, futhi kufanele bafune, umthwalo wemfanelo omkhulu nokudalula ekukhangiseni kwamacala. Okwamanje, abathengi kufanele babone ukuthi lezi zikhangiso azilungile ngaso sonke isikhathi, futhi abameli bokulimala komuntu banentshisekelo yokwethusa izethameli emacaleni. Ungakuvumeli, futhi ungabambeki kuwebhu yabo.
Ingakanani Idatha Enkulu Ngama-Big Bucks Yabameli Bokulimala Komuntu Siqu
I-Texans Against Lawsuit Abuse yabelane ngokuthatha kwethu idatha enkulu kanye nokwanda kwamacala athile encwadini yakamuva eya kumhleli ku-Dallas Morning News. Isebenza futhi njengesikhumbuzo esihle: �Ungavumeli Ummeli Abe Udokotela Wakho .�
Abameli becala laseTexas banomlando wokufuna izindlela zokwenza izigidi zamaRandi ngezindleko zohlelo lwethu lokunakekelwa kwezempilo, ekugcineni kwehliswe ukufinyelela ekunakekelweni kwezempilo, kwenyusa izindleko zezimpahla ezithengwayo kanye nokunciphisa ukudalwa kwamathuba emisebenzi.
Indaba yakamuva, �Izinkampani zomshwalense wezempilo zinovalo lokuthi abameli becala laseTexas bafuna izigidigidi, kodwa abameli bathi lokho "hype" (Mashi 30), kubonisa ukuthi inhlanganisela yedatha enkulu nokunakekelwa kwezempilo kungakha kanjani imayini yegolide yabameli abalimele.
Ngakho-ke, lapho abathengi abagulayo noma abalimele bethola ucingo oluvela kummeli, hhayi udokotela, i-Texans Against Lawsuit Abuse inxusa ukuba kuxwayiswe ngeSick of Lawsuits entsha (www.sickoflawsuits.org ) umkhankaso. Umphakathi udinga ukuqaphela izigidi ezichithwa ekukhangiseni kukamabonakude odukisayo nokukhangisa ku-inthanethi.
�Ungavumeli ummeli abe udokotela wakho,� uyiseluleko esihlakaniphile futhi kukhona i-TALA esebenzayo ukuqinisekisa ukuthi i-Texans iyezwa futhi yenze okuthile. Okungashiwo yizikhangiso zamacala kungaba yingozi. Uma kuziwa emacaleni abandakanya impilo yomuntu, abathengi kufanele bahlole umthombo ngokucophelela.
UJennifer Harris, Austin, Texans Against Lawsuit Abuse (njengoba ishicilelwe yiDallas Morning News)
Kuxhaswe nge-Scoop.it kusuka: www.elpasochiropractorblog.com
Ukulimala komuntu siqu ukukhangisa kommeli kuwubukhona obukhulu ezikrinini zethu ze-TV kanye nokusesha kukhompuyutha. Futhi into ebonakala kakhulu yomjikelezo ononya wokuhlukunyezwa kwamacala kuleli zwe. Ivelaphi imali yalezi zikhangiso? Abameli bokulimala komuntu siqu bathola amacala acebile afaka ubuthakathaka emaqinisweni noma agqugquzelwa imithetho engalingani.�Ukuze uthole Izimpendulo zanoma imiphi imibuzo ongase ube nayo sicela ushayele uDkt. Jimenez kokuthi�915-850-0900
by UDkt Alex Jimenez Abameli , Ikhona le-Med-Legal , Ukulimala Komuntu
Skrola ohlwini lwamagama osesho lwe-Google abiza kakhulu futhi uzothola imishwana efana nokuthi �Abameli abaphezulu bokulimala komuntu� kanye � nommeli wezingozi zika-El Paso.� Ucwaningo lwakamuva olwenziwe yi-US Chamber of Commerce's Institute for Legal Reform, noma I-ILR, ithole ukuthi ezinye zalezi zikhangiso zibiza abameli bokulimala komuntu siqu cishe u-$700 njalo uma othile echofoza kukho.
Lezi zindleko ezinkulu ziyinkomba yenkambiso ekhulayo okufanele ikhathaze noma iyiphi i-Texan eyazisa ubuqotho bohlelo lwethu lobulungiswa bomphakathi. Umthamo okhulayo wokukhangisa kommeli wokulimala komuntu odukisayo ubeka ukuhaha ngaphambi kobulungisa. Ngaphezu kwalokho, lo mkhuba okhohlisayo ungavala izinkantolo ngamacala angabazisayo, ubambezele noma unqabele ubulungisa kulabo abanezimangalo ezisemthethweni.
Ngokusho kocwaningo lwe-ILR, abameli bokulimala komuntu siqu e-US kulindeleke ukuthi basebenzise isamba sezigidi ezingu-892 zamaRandi ekukhangiseni kukamabonakude ngo-2015, kusukela ku-$ 531 million ngo-2008. Isamba esikhulu semali etshalwe kulezi zikhangiso ezingalawulwa kakhulu zifakazela ukuthi ukuhlanganisa amaphakethe omuntu siqu. abameli bokulimala kubaluleke kakhulu ekuphepheni nasekuphileni kahle kwabathengi.
Ucwaningo lwakamuva lwegumbi lase-US lubeke amadolobha amaningana ase-Texas phezulu ezinhlwini zikazwelonke zokukhangisa kommeli wokulimala komuntu. Ukukhula ngamaphesenti angama-68 ekukhangiseni kommeli wokulimala komuntu kuthelevishini phakathi neminyaka eyisishiyagalombili edlule kubonakale kakhulu e-Houston, ekleliswe phakathi kwezimakethe zethelevishini eziyi-10 eziphezulu zase-US zokukhangisa kwabameli abavivinya ngo-2015.�
Njengoba i-Texans eyengeziwe ithembele ku-inthanethi nakumabonakude ukuze uthole ulwazi lwezempilo, kubalulekile ukuhlukanisa phakathi kwezinsiza eziwusizo nokukhangisa kwamacala adukisayo. Izikhangiso eziningi zizama ukubumba izinqumo zabathengi, zibasuse kude nodokotela futhi ziye emacaleni asolisayo.
Abathengi badinga ukuqonda izisusa zokukhangisa kommeli wokulimala komuntu siqu. Abameli bokulimala komuntu benza ngokuzizuzisa bona, okuvamise ukungenzi inzuzo yeziguli. I-Texans kufanele ixwaye abameli abalimalayo kanye nabaqasha abathintana nabo ukuze bandise ama-akhawunti abo asebhange. Akukho okudlula �ukujaha iambulensi.�
Abathengi abanemibuzo mayelana nokunakekelwa kwezempilo nempilo kufanele babuze udokotela wabo, hhayi ummeli wokulimala komuntu siqu. Ukwengeza, iziguli kufanele ziqaphele noma yimiphi imizamo yommeli wokulimala komuntu siqu ukuze iziqondise kudokotela othile.
Ukukhangisa kokulimala komuntu siqu okudukisayo kungabeka impilo yabantu engcupheni. Nokho, ikhona indlela yokugwema imiphumela yalo mkhuba wokuhaha.
Ungavumeli ummeli abe udokotela wakho.
UMarcus Jahns waseSan Antonio ungusihlalo we-Texans Against Lawsuit Abuse, www.tala.com .
Le kholomu ye-op-ed ivele ku-San Antonio Express-News futhi izinguqulo zishicilelwe ekushicilelweni kuso sonke isifunda ngo-2016.
Kuxhaswe nge-Scoop.it kusuka: www.tala.com
Kubonakala sengathi umbono wokuthi abameli bangaba nomthelela esinqumweni sekhasimende ekukhetheni udokotela walo udale izihloko ezihlukahlukene ezithakaselayo, njengoba abanikela nge-TALA sebekhulume kakhulu ngalo mkhuba. Iziguli kufanele zazi ukuthi lezi zimo zikhona futhi bekwaziwa ukuthi zenzeka e-El Paso, eTexas.
Ukuze uthole ulwazi olwengeziwe, sicela ukhululeke ukubuza uDkt. Jimenez noma usithinte ku 915-850-0900 .
Izihloko ezengeziwe: Ubuhlungu Bentamo Nokulimala Okuzenzakalelayo
Ubuhlungu bentamo bubonakala njengophawu oluvame kakhulu ngemva kokubandakanyeka engozini yemoto. Ngesikhathi sokushayisana okuzenzakalelayo, umzimba uvezwa amandla amaningi ngenxa yesivinini esikhulu, okubangela ukuthi ikhanda nentamo zinyakaze emuva naphambili njengoba wonke umzimba usamile. Lokhu kuvame ukuholela ekulimaleni noma ukulimala komgogodla womlomo wesibeletho kanye nezicubu ezizungezile, okuholela ebuhlungu bentamo kanye nezinye izimpawu ezivamile ezihambisana nokuphazamiseka okuhlobene ne-whiplash.
VIDEO
by UDkt Alex Jimenez Ukulimala Kwabasebenzi Bakahulumeni , Abameli , Ukulimala Komuntu , Ukulimala Okuhlobene Nasemsebenzini
Ngaphezulu kweminyaka engu-25 yokuhlangenwe nakho kokwelapha iziguli eziye zalimala noma zandisa isimo sangaphambilini ngenxa yokulimala okuqondile kwengozi, phakathi kwezinye izici, uDkt. Alex Jimenez ungudokotela oqeqeshiwe we-chiropractic osize abantu abaningi ukuba balulame impilo yabo yasekuqaleni kanye nempilo enhle. . Ukulimala emsebenzini kungaba yishwa futhi uDkt. Jimenez, esebenzisa uhlelo lwesinxephezelo somsebenzi, angasiza.
Abameli bezingozi zomsebenzi base-El Paso, eTexas, nase-El Paso County, eTexas, abalimele emsebenzini bazinikela ekuqinisekiseni ukuthi abasebenzi abalimele bathola isinxephezelo okufanele basithole ngemva kokulimala emsebenzini noma ukulimala emsebenzini.
Izisebenzi ezizungeze i-El Paso, TX nakuyo yonke i-El Paso County ziyalimala nsuku zonke njengoba zenza imisebenzi edingekayo ukuze zifuthe izinkampani ezinkulu, ezicebile. Abasebenzi bavame ukulimala ezindaweni zokwakha ze-El Paso, izitshalo zokukhiqiza izimboni, izindawo zokucwenga, noma izitshalo zomhlangano. Ngokungeziwe kwezinye izimangalo ezihlukahlukene, imithetho yezwe ihlinzeka ngesinxephezelo sabasebenzi, esivame ukubizwa ngokuthi �workers comp,� ukusiza izisulu zokulimala emsebenzini kanye nemindeni yazo kulezi zikhathi zobunzima.
Ukufakazela Iphutha Akudingeki
Ngokungafani nezicelo zokunganaki ezivamile lapho kudingeka khona ukufakazela iphutha, uma ubhekana nokulimala ngenkathi "usemsebenzini kanye nobubanzi bomsebenzi" endaweni yokusebenza e-El Paso, eTexas, kufanele uthole izinkokhelo zesinxephezelo sabasebenzi bakho bakwa-El Paso (indemnity) kanye nokwelashwa kwakho. izikweletu ezikhokhiwe kungakhathaliseki ukuthi ubani obangele ukulimala kwakho emsebenzini noma ukuthi kudalwe kanjani.
Uma wena noma othandekayo walimala emsebenzini eSifundazweni SaseTexas, wena noma ilungu lomndeni wakho elimele kufanele nikhavwe ngesinxephezelo sabasebenzi. I-WorkersComp iwuhlelo olusemthethweni olwakhelwe ukunxephezela umsebenzi olimele noma ngabe ubenephutha elingu-100% ngokudala ukulimala kwakhe. Okusho ukuthi, isisebenzi sithola isinxephezelo ngokukhubazeka kwaso nokunakekelwa kwezempilo uma silimale emsebenzini kungakhathaliseki indima yaso ekulimaleni, futhi noma ngabe ukulimala kwenzeke ngokuphelele ngenxa yephutha lomsebenzi uqobo.
E-Texas, imithetho yesinxephezelo yabasebenzi itholakala kuMthetho Wesinxephezelo Wabasebenzi baseTexas - Isihloko 5 - Ikhodi Yezabasebenzi YaseTexas - Izahluko 401-506. Ukwengeza, ungathola olunye ulwazi oluwusizo nolwakamuva mayelana nemithetho yesinxephezelo yabasebenzi baseTexas kusizindalwazi esinakekelwa uMnyango Wezomshuwalense WaseTexas, Uphiko Lwesinxephezelo Sabasebenzi.
Uma wena noma othandekayo uke wabandakanyeka ekulimaleni kwe-El Paso, TX, sicela uthinte omunye wabameli abaqeqeshiwe be-El Paso abasebenzela izisulu zokulimala kuzo zonke izindawo zase-El Paso nase-El Paso County.
Amahhovisi e-Texas Workers� Compensation Field Office e-El Paso atholakala:
Umthetho Wesinxephezelo Sabasebenzi Bakahulumeni – El Paso County Postal & Federal Workers
Ummeli wenkampani yakwa-El Paso angakusiza ngezindlela eziningi, futhi uzosebenza ukuze aqinisekise ukuthi uphishekela isinxephezelo ngaphansi komthetho ofanelekile nangezindlela ezifanele. Isibonelo, ummeli wakho wabasebenzi bakwa-El Paso uzoqinisekisa ukuthi abasebenzi bakahulumeni wobumbano abalimele emsebenzini bafuna ukululama ngaphansi komthetho wenhlangano.
Njengangaphansi kohlelo lwesinxephezelo sabasebenzi bakahulumeni, umthetho wenhlangano uhlinzeka abasebenzi bakahulumeni wobumbano abalimele, njengabasebenzi benkonzo yeposi, isinxephezelo sokulimala okwenzeka emsebenzini noma ngenxa yokuqashwa kwabo kuhulumeni wobumbano. Lolu hlelo lokunxeshezelwa kwabasebenzi lukahulumeni lulawulwa uMnyango Wezabasebenzi. UMnyango Wezabasebenzi uphinde ulawule uMthetho Wesinxephezelo Sezisebenzi EziseLongshore kanye Nezikhumulo Zemikhumbi (LHWCA), ohlinzeka ngesinxephezelo kubantu basogwini olude kanye nabanye abasebenzi abanjalo uma belimala emsebenzini. Uma ungumhlali wase-El Paso County oqashwe uhulumeni wobumbano futhi ulimele emsebenzini, kufanele uxhumane nabameli bezingozi zomsebenzi we-El Paso ukuze uxoxe ngamalungelo akho namuhla.
Ihhovisi lezicelo zoMnyango Wezabasebenzi wase-US elisebenzela indawo yase-El Paso litholakala:
Umnyango Wezabasebenzi wase-US, i-OWCP
Izixazululo Zabasebenzi
Yini Abameli Abangayenza Uma Umqashi Wakho Engenawo Abasebenzi� Umshwalense Wesinxephezelo?
Umthetho wase-Texas ngokuvamile awudingi ukuthi umqashi ahlinzekele abasebenzi ngenkokhelo yesinxephezelo. Abaqashi abaphuma ohlelweni lwesinxephezelo sabasebenzi bakahulumeni babizwa ngokuthi �bangabhalisile.� Laba baqashi bangamangalelwa ngokuqondile ngaphansi kwalokho okubizwa ngokuthi �isimangalo sokungabhalisile.� Isimangalo sokungabhalisile siyisimangalo esinamandla kakhulu sokulimala. ngoba umqashi uyeka ilungelo lakhe lokusho noma yiliphi iphutha ngasohlangothini lwesisebenzi esilimele (ummangali) futhi angaphinde amangalelwe ngokulimala okuhlobene nomsebenzi. Abasebenzi endaweni yase-El Paso abasebenzela abaqashi abangabhalisi bangase bamangalele ngokulimala komuntu siqu, enkantolo noma ngokusebenzisa ukulamula. Lezi zimangalo zibhekiswe ngqo kumqashi ngenxa yobudedengu babo; kodwa-ke, uma usebenzela umuntu ongabhalisile, unamathuba abanzi ngokwemibandela yelungelo lakho lokuthola usizo lwezempilo olufanele, isinxephezelo samaholo alahlekile, kanye nanoma ikuphi ukukhubazeka oye wabhekana nakho, ngaphezu kwelungelo lakho lokuqala isimangalo sokulimala komuntu siqu. ngobudedengu bomqashi.
Xhumana nommeli wabasebenzi bakwa-El Paso noma omunye ummeli wabasebenzi base-El Paso County' namuhla ukuze uthole iseluleko mayelana nokulimala okuye kwatholakala ngesikhathi sokuqashwa nomqashi ongabhalisi.
Kungani Kufanele Uxhumane Nommeli Wezinxephezelo Wabasebenzi bakwa-El Paso?
Uma uhlushwa ukulimala okuhlobene nomsebenzi, akufanele ungabaze ukuxhumana nommeli wengozi yomsebenzi we-El Paso oqeqeshiwe ongakusiza ukucubungula isimangalo sakho. Abantu bayalimala emsebenzini nsuku zonke, izikhathi eziningi okubabangela ubuhlungu kanye nokulahlekelwa amaholo nokukhubazeka ngokomzimba. Abameli bezinkampani zakwa-El Paso bayamukelwa ukuthi basebenze ngaphambi kwezinkantolo zombuso nezombuso e-Texas, kodwa, okubaluleke kakhulu, banolwazi lokuphatha izimangalo zesinxephezelo sabasebenzi njengezakho. Ummeli wesinxephezelo sabasebenzi base-El Paso noma i-El Paso County, Texas angasheshisa inqubo futhi akusize uthole imali yakho ngokushesha futhi ngaphandle kokudideka noma ubunzima.
Ukulimala okuhlobene nomsebenzi ngokuyisisekelo kuwela ezigabeni ezimbili:
Ukulimala lapho kukhona, noma kufanele kube khona, isinxephezelo somsebenzi noma umshwalense wesinxephezelo somsebenzi; noma
Ukulimala lapho kungekho khona abasebenzi� isinxephezelo (Ukulimala Kwasolwandle & Ukulimala Komzila Wesitimela we-FELA).
Umthetho wesinxephezelo wabasebenzi baseTexas uhlinzeka abasebenzi abalimele endaweni yase-El Paso ngezinhlobo ezithile zeholo kanye nezinzuzo zezokwelapha. Ngaphansi komthetho wezwe, inkampani yomshwalense yomqashi wakho idingeka ukuthi ikukhokhele lezi zinzuzo zezokwelapha kukho konke ukwelashwa okudingekayo kanye nezinzuzo zokukunxephezela ngamaholo akho alahlekile. Nokho, izinkampani zomshwalense zivame ukufuna ukwenqabela abantu abafanelekayo, abasebenza kanzima izinzuzo zesinxephezelo sabasebenzi bazo. Yile ndlela izinkampani zomshwalense eziyenza ngayo inzuzo: ziqoqa amaphrimiyamu omshwalense kuyilapho zenqaba ukukhokha izinzuzo noma nini lapho kunokwenzeka. Ummeli onolwazi lwabasebenzi bakwa-El Paso, TX unamakhono nolwazi lokulwa nezinkampani zomshwalense ukuze zikutholele imali ekufanele. Xhumana nomunye wabameli benkampani yakwa-El Paso abasebenzi abasohlwini lwaleli khasi ukuze uthole usizo lokuthola isinxephezelo.
Ngokukhethekile, abameli be-El Paso abasebenzi bangakusiza ngalezi zindlela ezilandelayo:
Lwela ukukuthola isinxephezelo semali esiphezulu kakhulu ngaphansi komthetho.
Phenya izimo ezizungeze ukulimala kwakho ukuze unqume ukuthi kufanele yini ulandele noma yiziphi ezinye izindlela zesenzo noma izicelo ngaphandle kokuqoqa abasebenzi—ngokwesibonelo, ukuthi kufanele yini umangalele umqashi wakho ukuze uthole amanye amademeshe noma uphishekele isicelo senkampani yangaphandle komunye umuntu ngaphandle komqashi wakho. , noma ngokumelene nosebenza nabo ngendima ubudedengu babo obadlalile ekulimaleni kwakho.
Qinisekisa ukuthi uthola ukunakekelwa okufanele kwezempilo futhi ugcina amarekhodi okulimala nokwelashwa kwakho ngendlela efanele.
Thola umbono wesibili noma ikusize uthole ukuthi ingabe udokotela wenza ngendlela ezuzisa kakhulu inkampani yomshwalense esikhundleni sokukuthakasela wena.
Ikusiza ukuthi ukhuphule amasheke abasebenzi bakho uma inani libalwe ngokungalungile yinkampani yomshwalense.
Vikela umsebenzi wakho ngesikhathi sokukhubazeka kwakho ukuze ungazitholi ungasebenzi ngemva kokululama kwakho.
Gcwalisa futhi ugcwalise wonke amarekhodi esinxephezelo abasebenzi adingwa uMnyango Wezabasebenzi� Isinxephezelo sokuthi uqale ukuthola amasheke akho.
Khonza njengomxhumanisi phakathi kwabalungisi, abaqashi, abasebenzi bezokwelapha/odokotela, kanye nabasebenzi bakahulumeni ukuze bakutholele imali yakho ngokushesha nangaphandle kokuhlupheka.
Ingabe Kukhona Umnqamulajuqu Wokufaka Izinzuzo Zesinxephezelo Sabasebenzi eTexas?
E-Texas, abasebenzi abalimele banonyaka owodwa kuphela (1) wokufaka izicelo zesinxephezelo sabasebenzi babo kusukela ngosuku okwenzeka ngalo ukulimala. Uma ukulimala kuyisifo sasemsebenzini, noma siqhubeka isikhathi eside, khona-ke isikhathi sokulinganiselwa sonyaka owodwa siqala ukusebenza lapho isisebenzi sazi noma kwakufanele ngabe sazi ngesifo esihlobene nokuqashwa.
Ngenxa yokuthi unonyaka owodwa kuphela wokufaka izicelo zakho, kungakuhle kakhulu ukuthi uxhumane nommeli wabasebenzi bakwa-El Paso ngokushesha ukuze akusize uqale inqubo!
I-TEXAS DIVISION OF WORKERS� ULWAZI LOKUXHUMANA NGESIXHEKEZO
Inombolo Yocingo Yezisebenzi Ezilimele ka-El Paso:WorkersCompCustomerServices@tdi.state.tx.us
Ukuhlela Udokotela Oqokiwe:DDscheduler@tdi.state.tx.us
Ukuxazulula Ingxabano Yemali Yezokwelapha
Ukwengeza, uma ungathanda ukubika ukwephulwa kokuphepha kwendawo yokusebenza okutholakele mayelana nokulimala kwakho, izinombolo zocingo ezilandelayo namakheli e-imeyili angase abe usizo:
Ukuphepha EmsebenziniHealthSafety@tdi.state.tx.us
Ukuphepha Kwasemsebenzini - Izinkonzo Zokuvimbela IzingoziAPS@tdi.state.tx.us
Ukuphepha Kwasemsebenzini - Uhlelo Olugunyaziwe Lomthombo LobungcwetiHealthSafety@tdi.state.tx.us
Ukuphepha Kwasemsebenzini - I-Bureau of Labor Statistics
Ukuphepha Kwasemsebenzini – OSHCONOSHCON@tdi.state.tx.us
Ukuphepha Kwasemsebenzini - Isikhungo SezinsizaResourceCenter@tdi.state.tx.us
Ukuphepha Kwasemsebenzini - Inombolo Yocingo Yokwephulwa KokuphephaI-SafetyHotline@tdi.state.tx.us
Izinkampani eziningi nezinye izilungiselelo zomsebenzi zihlinzeka ngendawo ephephile, yezindawo zokusebenza kubasebenzi bazo, nokho, kujwayelekile ukuthi abantu bathole ingozi engase ibangele ukulimala. Nsuku zonke, abantu bangaba sengcupheni yokulimala emsebenzini, ikakhulukazi ezindaweni zokwakha. Ngenhlanhla, uma kwenzeka kulimala, abantu abathintekile bangasebenzisa isinxephezelo somsebenzi ukuze bakhokhe isimangalo sokulimala komuntu siqu. Abameli abaningi be-El Paso baqeqeshiwe futhi banolwazi lokusiza abasebenzi ukuthi bathole i- Isinxephezelo bayakudinga futhi bafanelwe.
Izihloko ezengeziwe: Ikhanda elibuhlungu Ngemva Kokulimala Okuzenzakalelayo
Ngemva kokubandakanyeka engozini yemoto, amandla amakhulu omthelela angabangela umonakalo noma ukulimala emzimbeni, ikakhulukazi ezakhiweni ezizungeze umgogodla. I-Whiplash iwumphumela ovamile wokungqubuzana okuzenzakalelayo, okuthinta amathambo, imisipha, ama-tendon, i-ligaments nezinye izicubu ezizungezile, okubangela izimpawu ezifana nobuhlungu bekhanda. Ubuhlungu bekhanda kuwuphawu oluvamile ngemva kwengozi yemoto, okungase kudinge usizo lwezokwelapha ngokushesha ukuze kutholwe umthombo wako futhi kulandele ukwelashwa.
by UDkt Alex Jimenez Abameli , Ikhona le-Med-Legal , Ukulimala Komuntu
Uzibonile izindaba, wezwa imibiko, futhi wafunda mayelana nezingozi, kodwa awuzange ucabange ukuthi kungenzeka kuwe. Kungazelelwe, ungomunye walabo bantu obukade ubabona kumabonakude, belimele kabi engozini yemoto, iloli elinamasondo angu-18 noma lezentengiso, engozini yasemsebenzini, noma umkhiqizo oyingozi.
UDkt. Alex Jimenez DC,CCST Ukuqonda:
Ngemva kokubandakanyeka engozini yemoto, abantu abaningi bavame ukudideka mayelana nezinyathelo ezilandelayo okufanele bazithathe lapho behlangabezane nomonakalo ezimotweni zabo futhi belimala ngenxa yokushayisana. Ithimba e-Wayne Wright LLP yiqembu labameli abahle kakhulu eligxile ezidingweni zesisulu, libasize bathole ukwesekwa abakudingayo. Ukuze uthole ulwazi olwengeziwe, sicela ukhululeke ukubuza uDkt. Jimenez noma usithinte ku-(915) 850-0900.�
