I ka manawa mua, pono ʻoe e ʻike i ke ʻano o ka hopohopo: ʻo ka hopohopo kahi kūlana psychological i kū aʻe ma ke ʻano he mea pale i nā kūlana e hoʻoweliweli iā mākou, no laila e makaʻala iā mākou a ʻae iā mākou e hoʻopili e hoʻonui i kā mākou hana.
Akā i nā manawa he nui, hopena maikaʻi ʻole kēia kūlana loli i ko mākou olakino, a ke hiki mai kēia e pono mākou i haʻalele i ka hana no ka pīhoihoi.
He aha ka waiho maʻi no ka hopohopo?
Ke hoʻomaka a kahi limahana e faila nā ʻōuli o ka hopohopo i ka hana, ʻo ia hoʻi ke ʻano o ka makaʻala e kūʻē i kahi kūlana hoʻoweliweli, kahi e alakaʻi ai i kahi ʻano hoʻomaha a me nā loli e pale ai i kahi hana maikaʻi, a hiki i ka nui o ka hiki ʻole ke hana, ke ʻōlelo mākou i kahi haʻalele no ka hana ma muli o hopohopo.
Nui nā kumu i hiki ke hoʻoulu i kahi ʻano hopohopo i ka wahi o ka hana, ma aneʻi e ʻōlelo mākou i kekahi:
- Lōʻihi a koʻikoʻi nā hola hana.
- Koi nui ma ka hana.
- Nā hana paʻakikī a huikau paha.
- Ka nele o ka hoʻonohonoho maikaʻi.
- Ka makaʻu i ke kuhi hewa i nā hana hana.
- Ka nele o ke kamaʻilio.
- ʻĀina hana ʻenemi.
- Hoʻomaopopo iki i nā hana e like me nā kuleana.
- ʻAʻole kūpono ke olakino hana a me nā kūlana palekana.
ʻOiai ʻaʻole e manaʻo ʻia ka hopohopo ma ke ʻano he maʻi ʻoihana, ua ʻike ʻia nā hihia he nui kahi e hoʻomaka ai nā limahana e hōʻike i ka hopohopo ke ʻike i nā mea i hōʻike ʻia aʻe i kā lākou mau hana. Aia kekahi mau ʻoihana i ʻoi aku ka makemake e hoʻopuka i ka hopohopo ma mua o nā poʻe ʻē aʻe, hilinaʻi nui ia i ke ʻano o ka hana i hana ʻia.
E hoʻokuʻu ʻia nā koi no ka pīhoihoi
Inā hoʻomaka kekahi e ʻeha i nā ʻōuli hopohopo, pono ia loiloi ʻia e ke kauka e kālailai i kou kūlana a hoʻoholo inā hiki ke hoʻokuʻu ʻia ʻoe.
Inā kū ka pahu hopohopo ma muli o ka hana, a laila ʻO ka Mutual ke kino i hāʻawi ʻia e kuhikuhi i ke kūlana o ka limahana a hana i ka haʻalele, ma ke kuhikuhi ʻana i ka hopohopo ma ke ʻano he maʻi ʻoihana a i ʻole kahi ulia hana.
Inā kū ka hopohopo ma waho o kahi o ka hana, a laila ʻo GP ka mea pono e hoʻomau me ka loiloi a hāʻawi i ka hoʻokuʻu, akā kuhikuhi i ka hopohopo ma ke ʻano he maʻi maʻamau.
He aha ka Mutual?
He kaiāulu waiwai ʻole ia, i ʻae ʻia e ka Ministry of Labor e hana pū me ka Social Security Institute, ka hana ʻana i nā pono nui e like me ke kīnā ʻole o ke kūlohelohe, nā ʻoihana ʻoihana e like me nā ulia ma ka hana a me nā maʻi ʻoihana. A ʻo ka hoʻōki hoʻi o ka hana o ka hana pilikino a hana pilikino paha. Hana pū ʻia me ka pale ʻana i nā pōʻino ma ka hana a hoʻonui i ka maikaʻi i nā wahi olakino a me nā palekana i nā ʻoihana. Mai ka 1990 ua ala lākou e mālama i nā pilikia e pili ana i nā ulia pōpilikia hana.
Hāʻawi kālā ʻia nā Mutual Societies me nā makana i hoʻokumu ʻia ma nā ʻoka ʻelua ʻelua, ka mālama ʻana i nā contingency maʻamau a me nā ʻoihana.
Inā Hāʻawi nā Mutuals i ke kōkua i ka mālama ʻana i nā pilikia kūlike, Kākoʻo kālā ʻia e ka lawe ʻana i nā ʻāpana no nā mea kūlike maʻamau ke kuleana o ka luna hana a me ka limahana, me ka hoʻonui ʻana i ka waihona kālā mai ka General Treasury o ka Social Security.
Inā hele nā Mutual Societies ma muli o nā hanana ʻoihana, loaʻa kālā wale ia e ka luna hana a me ka General Treasury o ka Social Security.
No nā hihia o ka contingency maʻamau o nā limahana o kahi ʻoihana, pono e uhi paʻa ʻia e ka Mutual. Akā i nā hihia o ka hoʻokūkū ʻoihana, he koho a me ka manawaleʻa ka Mutual, ʻoiai no kēlā mau hihia hiki iā lākou ke koho i kahi hui hoʻokele ʻē aʻe mai ka National Institute of Social Security.
Ka uku ʻana i nā keu pono i ka wā hoʻomaha maʻi
Kūlike ka uku o nā pōmaikaʻi i nā mea hoʻopuka like ʻole, e like me ka helu o nā lā e pono ai no ka haʻalele no ka hopohopo. ʻAʻole i uku ʻia nā lā mua he 3 o ka haʻalele, ke ʻole i ʻōlelo ka ʻaelike ma kahi ʻē aʻe. Mai ka hā a ka ʻumikūmālima lā, ʻo ia ka ʻoihana nāna e uku i nā keu pono.
Ma hope iho, inā hala ka hopohopo i nā lā 15, mai ka lā ʻumikūmāono ʻO ka ka mālama ʻana i nā mea o ka Social Security a i ʻole Mutual nāna e uku i ka pōmaikaʻi, kaukaʻi ʻia ma muli o ka maʻi maʻamau a i ʻole ka waiho maʻi ʻana.
