Xa uMqeshi okude okanye uMthengi eSonga ngesiquphe: Ukukhusela ii-invoyisi ezingahlawulwanga kunye neeRekhodi¶
Ukuvuka ngoMvulo kusasa ufumane inkampani yakho iSlack, Amaqela eMicrosoft, kunye neeakhawunti zakho zikaGoogle Workspace / Okta SSO zivaliwe ngequbuliso, idiphozithi ehlawulwa ngokuthe ngqo iyatsiba, okanye i-imeyile engxamisekileyo echaza ukuba umqeshi wakho okude okanye umxhasi wearhente enkulu uyekile ukusebenza kwaye wangena ekungakwazini ukuhlawula amatyala ngumothuko omkhulu wemali. Ngokungafaniyo nokuvalwa kwe-ofisi yangaphakathi apho abasebenzi banokuhamba behla ngeholo ukuya kwiZibonelelo zaBasebenzi okanye bathethe nommeli wabasebenzi bakarhulumente kwisiza, abasebenzi abakude kunye nabazimele bamazwe ngamazwe banokucinywa ngokwedijithali kwisiseko senkampani ngemizuzwana engama-30, baphulukane nokufikelela kwezabo intlawulo, W-2/1099/P45 iirekhodi zerhafu, 401(k) iinombolo zesicwangciso, izintlu zoqhagamshelwano zabasebenzi, kunye neminyaka yeesampulu zepotfoliyo ezingezizo eziyimfihlo.
Xa umqeshi okanye umxhasi okude engena kwi-cash-flow spiral, isantya kunye nokubambelela ngokungqongqo kwingqesho kunye nomthetho wokhuseleko lwekhompyutha yinto yonke. Ukuthatha inyathelo elingalunganga, elifana nokukhuphela ugcino-lwazi lwabathengi bobumnini kwilaptop yomsebenzi ngokwaphulwa koMthetho woBuqhophololo kunye noBuqhetseba beKhompyutha (CFAA), okanye ukuqhubeka nokusebenza iiveki ezimbini ezingakumbi kwizithembiso zomlomo zokuba "ukudluliselwa kwentambo kuyeza ngoLwesihlanu", kunokukubhenca kwityala elisemthethweni okanye kukushiye ngasemva komgca wombolekisi ongakhuselekanga. Ngokwahlukileyo, usebenza ngaphakathi imizuzu engama-60 yokuqala ukuthumela ngaphandle iirekhodi zakho ze-HR / iirekhodi ze-portal, uqinisekisa **iBango loMvuzo oPhambili ngokusemthethweni (*11 U.S.C. § 507(a)(4) e-US okanye kwiNkonzo yeeNtlawulo eziBalulekileyo e-UK)**, ukugqithisela kwi-inshurensi yezempilo (COBRA / Ukubhaliswa okuKhethekileyo kwe-ACA), kunye nokusebenzisa ikhontrakthi yakho Ilungelo lobunikazi / iGatya le-IP elingaThunyekiyo lokuQesha njengonokontraka ozimeleyo ukhusela iimali zendlu yakho kunye nomfutho wekhondo lomsebenzi.
Yenza oku ngoku¶
- Ngaphambi kokuba u-Sing-On-On wakho omnye (i-SSO) okanye i-imeyile yenkampani ichithwe, ngena kwi-Payroll yakho, i-HRIS, kunye ne-Equity Portals (Usuku lomsebenzi, i-Gusto, i-Rippling, i-ADP, i-Deel, i-Justworks, i-Carta) kwaye udibanise idilesi ye-imeyile PERSONAL (
@gmail.com, njalo njalo) kwiakhawunti nganye. Kanye eyakho@company.comI-imeyile ivaliwe, awusoze ufumane ukusetwa kwakhona kwegama lokugqitha okanye iikhowudi zokuqinisekisa izinto ezimbini ezifunekayo ukufikelela kwimirhumo yakho yokugqibela yokuhlawula,W-2/1099/P60iifom zerhafu, okanye401(k)umgcini womhlalaphantsi. - Khuphela iikopi zePDF zeenyanga ezi-6 zokugqibela zomvuzo wakho, isiVumelwano sakho seNgqesho esayiniweyo / iLeta yesiBonelelo / isiVumelwano seeNkonzo zeNkontraka eziZimeleyo (MSA), ibhalansi ye-PTO eyongezelelekileyo, ikhomishini/incwadi yebhonasi, kunye nophononongo lwakho lwamva lwentsebenzo kwifolda yobuqu ngoku. Ukuba inkampani iyeka ukuhlawula amatyala ayo e-SaaS kwi-Gusus, inkampani okanye i-HRP kuphela, i-Overday HRP iintsuku, kukushiya nooziro amaxwebhu ukubonisa owona mvuzo wakho ungahlawulwanga kunye nebhalansi yeholide kwinkundla yokungabinamali okanye kwiSebe lezaBasebenzi.
- Thumela ngaphandle osebenza naye kunye noluhlu lwabafowunelwa kwinethiwekhi yomxhasi (
LinkedIn URLs, iinombolo zefowuni zobuqu, kunye needilesi ze-imeyile zobuqu) ngoko nangoko. Xa inkampani ekude isonga, uSlack uyanyamalala ngemizuzu. Yenza iPhepha likaGoogle ekwabelwana ngalo okanye iqela leDiscord/WhatsApp kunye neqela lakho kwiyure yokuqala ukuze wabelane ngezaziso zenkundla yokungatshoni, iitshekhi zereferensi, kunye nezikhokelo zemisebenzi. - UNGAZE ukhuphele ikhowudi yemvelaphi yobunini, uluhlu lwabathengi, iimfihlo zorhwebo, okanye ugcino lweenkcukacha zenkampani, kwaye UNGAZE uchithe, ucime, okanye ubambe iseva yemveliso ephilayo. Nokuba umxhasi okanye umqeshi unetyala kuwe.
$25,000kwimivuzo engahlawulwanga okanye ii-invoyisi, ukungena kwi-server yokuvelisa ukuthatha phantsi iwebhusayithi yabo ephilayo, ukutshintsha i-passwords yengcambu, okanye ukukhupha idatha yomthengi lityala lolwaphulo-mthetho phantsi kwe-UMthetho weKhompyutha yase-US kunye nokuSebenzisa kakubi.18 U.S.C. § 1030), Umthetho Wokusetyenziswa kakubi kweKhompyutha wase-UK 1990, kunye nemithetho efanayo ye-cybercrime kwihlabathi jikelele. Sebenzisa i- 100% iindlela zekhontrakthi ezisemthethweni kunye neendlela ezisemthethweni zonyuso ezichazwe kwiSigaba 3 endaweni yoko. - **Ukuba ungunokontraka ozimeleyo / umntu osebenza yedwa (
1099/ B2B) kwaye umxhasi uphose ukuhlawula okanye umhla wokugqibela we-invoyisi ngenxa yokungahlawulwa kwamatyala, akhuphe ngokusesikweni okubhaliweyo "Isaziso sokuNyekiswa kweeNkonzo ngenxa yokungahlawulwanga" kunye ne-STOP ukuhambisa iifayile ezitsha ezingabhaliswanga ngokukhawuleza. - Izibonelelo ze-Inshurensi yokungaSebenzi (i-UI) kwangolo suku olunye uphela ngalo umsebenzi wakho okanye ukuyeka kwakho umvuzo. EUnited States, eKhanada (
EIeUnited Kingdom (New Style JSA / Universal Credit), kunye neManyano yaseYurophu, izibonelelo zokungaphangeli phantse zingaze ziphinde zisebenze ngaphambi kweveki ongenise ibango lakho lokuqala, nokuba ulinde iiveki ezintathu ngethemba lokuba inkampani iya kuvulwa kwakhona.
Danger
I "Hlala Usebenza Ngelixa Sivala Umjikelo Wethu Webhulorho": Xa isiqalisi okanye iarhente iphelelwa yimali kwaye iphoswe kuluhlu lokuhlawula olucwangcisiweyo, abaseki bahlala becenga abasebenzi abakude ukuba baqhubeke nokusebenza "ewotshini" okanye kumvuzo orhoxisiweyo kangangeeveki ezi-2 ukuya kwezi-4 ngelixa ukufumana okanye ukubolekwa kwebhulorho kuvalwa. Kuwo onke amagunya amakhulu, ukusilela ukuhlawula imivuzo efunyenweyo ngosuku lokurhola olucwangcisiweyo ngokusemthethweni kukwaphulwa komthetho wengqesho (kwaye ekungakwazini ukuhlawula amatyala, abalawuli banokuba noxanduva lokuthengisa ngokungafanelekanga ukuba bangenisa ityala elitsha lomvuzo wabasebenzi abangenakuhlawula). iiyure ngokubhaliweyo, kwaye ufake ibango lomvuzo elisesikweni.
Umthi wesigqibo: Umqeshwa ohlawulwayo (W-2 / PAYE) vs. iKontrakta eZimeleyo (1099 / B2B)¶
Amalungelo akho asemthethweni, ukubekwa phambili ekubhengezeni, kunye nokomelela ngaphezulu kwemveliso yakho yomsebenzi kuxhomekeke ngokupheleleyo ekubeni ungumsebenzi ohleliweyo okanye ikontraka ezimeleyo / i-freelancer / arhente. Landela isebe lakho elingezantsi.
flowchart TD
A["Umqeshi okude okanye uMthengi Ugoba ngesiquphe / Uphose uMvuzo / Utshixa iiAkhawunti"] --> B{"Buyintoni ubudlelwane bakho bokusebenza ngokusemthethweni?"}
B -->|"Umqeshwa ohlawulwayo okanye ngeyure (US W-2, UK PAYE, Canadian T4, okanye uMqeshi-weRekhodi efana neDeel/Remote)"| C["INYATHELO 1: Tshintshela iGusto/usuku lomsebenzi/i-ADP/401k ungene kwi-imeyile yoBuqu kwaye ukhuphele ii-Pay Stubs, i-W-2, i-Letter ye-Offer, ibhalansi ye-PTO"]
C --> D{"Ngaba inkampani ifake i-Bankruptcy esemthethweni (Ch. 7 / Ch. 11 / Administration) OKANYE yaphela / yavala?"}
D -->|"Ukutshona okusesikweni / umamkeli wokutshona oqeshiweyo"| E["IFayile iBango loMvuzo oPhambili ngoMvuzo (US 11 U.S.C. 507(a)(4) ukuya kuthi ga kwi-$15,150 ephambili; i-UK RPS CN-Number Bango; Canada WEPP)"]
D -->|"Vala ngokungekho sikweni ngaphandle kokuhlawula umvuzo wokugqibela/PTO"| F["IFayile iBango loMvuzo oNgxamisekileyo oNgahlawulwayo kunye neSebe lezaBasebenzi leSizwe / i-US DOL WHD (Abalawuli bahlala benoxanduva lobuqu lomvuzo)"]
B -->|"IKontrakta eZimeleyo, i-Freelancer, okanye i-Arhente ye-B2B (1099 / i-Cor-to-Corp)"| G["INYATHELO 1: Khupha iSaziso esiBhaliweyo sokumisa-umsebenzi ngoko nangoko kwaye umise ukugqithiselwa kweefayile/iirepos zasekuhlaleni ezingathunyelwanga"]
G --> H{"Umxhasi uhlawule njani, kwaye sithini iSivumelwano sakho malunga nobunini be-IP?"}
H -->|"Ikhontrakthi ithi udluliselo lwe-IP KUPHELA ngeNtlawulo epheleleyo (Igatya loMgangatho wokuZisebenzela)"| I["Thumela iSaziso esiSiseSikweni sokuNgadluliswa kwelungelo lokushicilela/ilayisensi: uMthengi kunye noMmkeli akanakusebenzisa ngokusemthethweni umsebenzi ongahlawulwanga."]
H -->|"Akukho mhlathi we-IP okanye umsebenzi osele unikezelwe"| J["Gcina i-invoyisi + iiRisithi zokuThunywa + ii-imeyile zoKwamkelwa -> Ubungqina beFayile beBango (iFomu 410) kunye neBango lokuxhuzulwa kweRhafu yeTyala elibi"]
Isigaba 1: IProtokholi yokuPhuma kwiDijithali yemizuzu engama-30 (Phambi kokuba i-SSO Ikuvalele Ngaphandle)¶
Xa umlawuli we-IT okanye umntu otshonileyo ebetha u-"Cima uMsebenzisi" e-Okta, i-ID ye-Microsoft Entra (i-Azure AD), okanye i-Google Workspace, ilaptop yenkampani yakho inokutshixa ngoLawulo lweSixhobo esiXhobisayo (MDM; bona umsebenzi laptop MDM lock kunye recovery) kunye nazo zonke iiseshini zokusebenzisa umkhangeli zincwadi "Sign in with Google / Microsoft" bafe ngoko nangoko. Ukuba useneseshini ephilayo okanye ufumane imizuzu engama-30 yentloko-phezulu phambi kokuvalwa, khupha ezi ngokungqongqo, iirekhodi ezisemthethweni ngolu hlobo luchanekileyo:
| Okubalulekileyo | Inkqubo / Portal | Inyathelo elichanekileyo omawulithathe ngoko nangoko | Isizathu Sokuba Kubalulekile |
|---|---|---|---|
| 1 (Imizuzu emi-5 yokuQala) | Umrholo kunye ne-HRIS Portal (Gusto, Rippling, Workday, ADP, Paylocity, Justworks, BambooHR, Deel, Remote.com) | 1. Yiya ku ** Useto lweAkhawunti -> Ukhuseleko / I-imeyile ** kwaye utshintshe i-imeyile yakho yokungena kwi-**i-imeyile yakho yobuqu **. 2. Khuphela zonke ii-Pay Stubs ukusuka kulo nyaka kunye nonyaka ongaphambili, zonke W-2 / 1099 / P60 / T4 iifomu zerhafu, kunye nekhusi yakho eyongeziweyo Iholideyi / ibhalansi yeeyure ze-PTO. |
Ingqina isiseko sakho esisisiseko somvuzo, ukubanjwa kwerhafu, kunye ne-PTO engekahlawulwa eyongezelelekileyo kwi-Inshurensi yokungaSebenzi kunye namaBango oMvuzo woBunganga obuPhambili. |
| 2 (Imizuzu 5-10) | Umhlalaphantsi (401(k) / Pension), HSA, & Equity Portal (Fidelity, Vanguard, Guideline, Betterment, Human Interest, Carta, Pulley) |
Ngena, tshintsha i-imeyile yoqhagamshelwano ephambili kwi-imeyile yakho ** yobuqu, khuphela ishedyuli yakho yamva nje ** yokutyala imali / 83(b) ukhetho / isivumelwano isibonelelo **, kwaye khangela ukuba umqeshi ngenene idiphozithi yokugqibela 3 iinyanga 401(k) Ukutsalwa kwemivuzo kutsalwa kwiintlawulo zakho. |
Xa iinkampani ezitshonileyo ziphelelwa yimali, ngamanye amaxesha ziyatsala 401(k) okanye iipremiyamu ze-inshorensi yezempilo ezivela kwiitshekhi zabasebenzi ngaphandle kokuthumela imali kumgcini (ulwaphulo-mthetho lwe-ERISA lomanyano ukuba i-US DOL EBSA iya kukubuyisela ngokuqatha). |
| 3 (Imizuzu 10-15) | Ikhontrakthi yeNgqesho, iLeta yeSibonelelo, iNgxowa-mali, kunye neZamkelo zeNkcitho | Gcina iiPDF ze Ileta yakho esayiniweyo yeSibonelelo, iSivumelwano seNgqesho, Ukungakhuphisani / i-NDA (ukuze uyazi imimiselo yayo ngqo), iSicwangciso seKhomishini, kunye zonke iirisithi zeshishini ezingahlawulwanga/iirisithi zesoftware. | Iindleko zeshishini elingabuyiswanga kunye neebhonasi zemvumelwano mazibhalwe kunye neerisithi eziza kubandakanywa kuBungqina beBango. |
| 4 (Imizuzu 15-20) | Uphononongo lokuSebenza, "Kudos," kunye noShwankathelo lweeMetrics | Khuphela uvandlakanyo lwakho lokusebenza, iileta zonyuselo, kunye nenqanaba eliphezulu lokufezekiswa kwamanani (umzekelo, "Ukuncitshiswa kweziseko zelifu ezichithwe nge-34% ($180k/yr)" okanye "Izinga lokuguqulwa likhule ukusuka kwi-2.1% ukuya kwi-3.8%") kwinqaku lomntu. | Ikunika ngqo, amanqaku aqinisekisiweyo okuqalisa kwakhona kunye nobungqina bokusebenza okuqinileyo kukhangelo lwakho lomsebenzi kwangoko. |
| 5 (Imizuzu 20-30) | Iisampulu zePotfoliyo (Ezasesidlangalaleni / Ezingezizo iMfihlo Kuphela) kunye neeFayile zoBuqu | Abayili/Ababhali/Abarhwebi: Gcina iikopi zamaphepha ewebhuasungulwe esidlangalaleni, iiposti zebhlog ezipapashiweyo, ushicilelo lukawonke-wonke, okanye imifanekiso yesikrini ye-UI kawonke-wonke oyenzileyo. Iifayile zobuqu bakho: Cima iimbuyekezo zakho zerhafu, iiPDF zonyango, kunye namagama ayimfihlo ebrawuza yakho agcinwe ngaphakathi kweChrome/Edge kwilaptop yomsebenzi. |
Ungaze ukope ikhowudi yemvelaphi yobunini, uyilo lwemveliso engakhutshwanga, okanye iPII yomthengi. Ukuba iprojekthi sele isesidlangalaleni kwi-intanethi, ukugcina iifoto zesikrini kwindawo yoluntu kusemthethweni 100%. |
Icandelo 2: Indlela abaSebenzi abaHlawulelwa ngayo abayifumanayo imivuzo engekahlawulwa, iPTO, kunye neZibonelelo¶
Ukuba umqeshi wakho uvale ityala lakho leveki e-1 ukuya kwezi-4 zomvuzo ongahlawulwanga, iholide eyongezelelekileyo/PTO, iindleko ezingekabuyiswa, okanye UKULUMKISA Umthetho wokuqhawula umtshato, ungacingi ukuba imali iphelile ngonaphakade. Phantse kuwo onke amazwe, abasebenzi banyuselwe kufutshane nencopho yolawulo lwentlawulo esemthethweni, phambi kongxowankulu bamashishini, abathengisi abangakhuselekanga, nabanini-mhlaba, nakwimimandla emininzi amagosa oshishino kunye nabalawuli banoxanduva lobuqu kwii-akhawunti zabo zebhanki zobuqu kwimivuzo yabasebenzi abangahlawulwanga.
1. EUnited States: amaBango eBhanki ePhambili, iiLiens zoMvuzo kaRhulumente kunye noButyala beGosa loBuqu¶
- Ukuba uMqeshi Ufake iSahluko sesi-7 okanye iSahluko se-11 sokungaphumeleli (
11 U.S.C. § 507(a)(4)Ibango loMvuzo oPhambili):- Phantsi kweKhowudi yokuNgamalinge yase-US (
11 U.S.C. § 507(a)(4)kwaye§ 507(a)(5)), imivuzo engahlawulwanga, imivuzo, iikhomishini, iholide, ikhefu, kunye nekhefu lokugula elizuzwe ngumntu ngaphakathi kweentsuku ezili-180 phambi kokufakwa kwe-bankruptcy (okanye ukupheliswa kweshishini) ukufumana iNqanaba leSine eliPhambili ngokoMthetho ukuya kuthi ga$15,150ngomsebenzi ngamnye (ilungiswa rhoqo kwiminyaka emi-3 yokunyuka kwamaxabiso), kunye nenqanaba elongezelelweyo eliphambili kwimirhumo yesicwangciso senzuzo yomqeshwa engahlawulwanga (401(k)/ i-inshurensi yezempilo). - Indlela yokuFayila simahla: Jonga ityala lenkampani kwiwebhusayithi yearhente yamabango okubhanga (efana neStretto, Kroll, Epiq, okanye PACER) kwaye ungenise iFomu esemthethweni 410 (Ubungqina beBango). Khangela Ibhokisi 12 ("Ewe, ibango linelungelo lokuqala phantsi kwe-11 U.S.C. § 507(a)(4)"), qhoboshela intlawulo yakho yokugqibela kunye neleta yomnikelo, kwaye ungenise ngaphambi koMhla weBar.
- Phantsi kweKhowudi yokuNgamalinge yase-US (
- Ukuba uMqeshi Ucima NGAPHANDLE kokuFaka iBhanki (iSebe likarhulumente lezaBasebenzi kunye noButyala boBuntu babaseki/amaGosa):
- Uninzi lwabaqalisi abasilelayo kunye namashishini amancinci avele avale iingcango zawo kwaye ahambe ngaphandle kokuhlawula
$25,000+imirhumo yezomthetho yokufaka iSahluko sesi-7 sokutshona ngokusesikweni. - **Fayila iBango loMvuzo ongahlawulwanga kunye neSebe lezaBasebenzi likaRhulumente ** kurhulumente apho ** ubusebenza ngokomzimba ukude ** (kunye/okanye urhulumente apho inkampani ikomkhulu).
- Ubutyala boBuqu bee-CEO, abaSeki, kunye nabaSebenzisi abaPhezulu: Phantsi komanyano lwe-Fair Labor Standards Act (FLSA)* kunye nemimiselo yemivuzo karhulumente ecacileyo e **California (
Cal. Lab. Code § 558.1), Inew York (N.Y. Bus. Corp. Law § 630kubanini-zabelo abaphezulu abali-10 kwiinkampani ezingezizo ezoluntu, kunyeN.Y. Lab. Law § 198-aeMassachusetts (M.G.L. c. 149 § 148), Illinois, Texas, kunye Washington **, amagosa corporate, abalawuli, kunye nee-arhente ezilawulayo ezilawula payroll zingabanjwa ** buqu kwaye ngabanye unoxanduva ** ngemivuzo engahlawulwanga, treble ngokomthetho (3x) umonakalo, kunye neentlawulo zamagqwetha nokuba iqumrhu ngokwalo lingenamali.
- Uninzi lwabaqalisi abasilelayo kunye namashishini amancinci avele avale iingcango zawo kwaye ahambe ngaphandle kokuhlawula
- I-Federal & State WARN Act (I-60-Day-Bay-Pay Penalty ngenxa yoVavanyo lweMininzi):
- Ukuba umqeshi wakho waba 100 okanye ngaphezulu abasebenzi bexesha elizeleyo ** (okanye 50 ukuba 75+ abasebenzi phantsi engqongqo karhulumente mini-WARN izenzo e California, New York, New Jersey (efuna isaziso iintsuku ezingama-90 KUNYE nentlawulo yokuqhawula okunyanzelekileyo), Illinois, kunye Washington) kwaye uvale ngequbuliso ngaphandle kokunika 60 iintsuku 'isaziso esibhaliweyo kwangaphambili ebhaliweyo, ibango ngalinye esemthethweni umva intlawulo 6 kunye neenzuzo njengebango eliphambili.
- Kuthekani Ukuba Umqeshi Wam Uyekile UkuHlawula UmSebenzi we-Inshurensi yezeMpilo okanye avale iSicwangciso seMpilo seQela? (Umgibe weCOBRA):
- Ngokwesiqhelo, federal COBRA ikuvumela ukuba ugcine isicwangciso sezempilo somqeshi wakho ngokuhlawula i-102% yeprimiyamu. NGOKO, ukuba umqeshi obhangayo ukuphelisa ngokupheleleyo zonke izicwangciso zeinshurensi yezempilo yeqela kwaye iyeke ukubakho, AKUKHO isicwangciso sezempilo seqela esishiyekileyo sokuba iCOBRA iqhubeke.
- Yintoni omawuyenze endaweni yoko: Ukuphulukana nokhuseleko lwempilo yomqeshi ngenxa yokuvalwa kwenkampani kubangela ukuba kufike ixesha *Iintsuku ezingama-60 zoBhaliso oluKhethekileyo (SEP)kuMthetho wokuNakekelwa okuZifikelelekayo (ACA) HealthCare.gov Marketplace (kunye notshintshiselwano lukarhulumente), apho isimo sakho somvuzo ongunothi sihlala sikufanelekela ukuba ufumane i-inshorensi enzima okanye ulwahlulo olunzima kwi-Gd. ngowoku-1 enyangeni.
2. I-United Kingdom, iKhanada, i-European Union kunye ne-Australia: iiNgxowa-mali zeSiqinisekiso soMvuzo kaRhulumente¶
Ngokungafaniyo ne-United States (exhomekeke kwi-bankruptcy estate priority kunye noxanduva lwegosa), i-UK, iKhanada, amazwe angamalungu e-EU, kunye ne-Australia bagcina **inkxaso-mali yeSiqinisekiso soMvuzo we-Insolvency Wage exhaswa ngurhulumente ** ehlawula abasebenzi abakude imivuzo yabo engahlawulwanga ngokuthe ngqo kwi-treasury yesizwe kwiiveki nje ezimbalwa:
| Ilizwe / Ummandla | INgxowa-mali esemthethweni yeSiqinisekiso soMvuzo kaRhulumente | Yintoni onokuyibanga ngokuthe ngqo kuRhulumente | Indlela Yokufaka Isicelo Ngokukhawuleza |
|---|---|---|---|
| United Kingdom | Inkonzo yeeNtlawulo zokuSebenza (RPS) / iNgxowa-mali ye-Inshurensi yeSizwe (GOV.UK) |
- Ukuya kutsho kwiiveki ezisi-8 zomvuzo ongahlawulwanga (asemva komvuzo) - **Ukuya kuthi ga kwiiveki ezi-6 zentlawulo yeholide engahlawulwanga ** - Intlawulo yeSaziso esisemthethweni (iveki e-1 ngonyaka esebenziweyo, ukuya kuthi ga kwiiveki ezili-12) - INtlawulo eMiselweyo yokuBonelwa umsebenzi (ukuba uqeshwe iminyaka emi-2+) (Ifakwe kumda womvuzo okhoyo weveki, £700/week ngo-2024/25) |
Qhagamshelana nabaqeshwayo iNgcali yokuThenga (uMlawuli okanye uMcibisi) ukufumana eyakho CN Inombolo yeReferensi yeCase, emva koko ufake isicelo kwi-intanethi apha gov.uk/claim-redundancy. |
| Canada | ** Inkqubo yokuKhusela uMvuzo (WEPP)** (INkonzo yaseKhanada) | Ikhava engahlawulwanga umvuzo, umvuzo weholide, intlawulo yokuyeka, kunye nentlawulo yokuyeka emsebenzini efunyenwe kwiinyanga ezi-6 ngaphambi kokutshona/ukufunyanwa, ukuya kutsho kwisixa esilingana ne-*7 yeeveki ze-Inshorensi yeNgqesho engenakuhlawulwa (insurance)EI) umvuzo (-$8,500+ CAD)**. |
Ifayile ye Inshurensi yeNgqesho (EI) ngoko nangoko; nje ukuba umntu onegunya lokungakwazi ukuhlawula amatyala akhuphe ifomu yakho yolwazi lwe-WEPP yetrasti, faka isicelo kwi-intanethi nge Service Canada. |
| Imanyano yaseYurophu | Umyalelo wokuNgena kwe-EU (2008/94/EC) Amaziko eSiqinisekiso seSizwe (umzekelo, Insolvenzgeld ngeBundesagentur für Arbeit eJamani; AGS eFransi; FOGASA eSpain) |
Iziqinisekiso 100% yentsalela yemivuzo engekahlawulwa ukuya kuthi ga kwiinyanga ezi-3 phambi kokuvulwa kweenkqubo zokutshona (umzekelo, isiJamani Insolvenzgeld uhlawula iinyanga ezi-3 zomvuzo opheleleyo). |
Bhalisa njengomntu ongaphangeliyo kwi-arhente yezabasebenzi yengingqi yakho ngaphakathi iintsuku ezi-3 zesaziso uze ufake isicelo senzuzo yokungakwazi ukuhlawula amatyala kwisithuba esingqongqo isithuba seenyanga ezi-2 zefestile yomthetho. |
| Ostreliya | Isiqinisekiso samalungelo afanelekileyo (FEG) (ISebe leNgqesho noBudlelwane eMsebenzini) | Iikhava ukuya kwiiveki ezili-13 zomvuzo ongahlawulwanga, zonke ezingahlawulwanga ikhefu lonyaka kunye nekhefu lenkonzo ende, ukuya kutsho kubhatala iiveki ezi-5 endaweni yesaziso, kunye nokuya kuthi ga kwii-4 iiveki zokungahlawulwa komsebenzi ngonyaka wenkonzo*. | Faka isicelo kwi-intanethi usebenzisa FEG Portal (dewr.gov.au/fair-entitlements-guarantee) kwiinyanga ezili-12 zokupheliswa. |
Icandelo 3: Njani iiKontraka eziZimeleyo kunye nabaSebenzi abaSebenzisayo (1099 / B2B) Khusela umsebenzi kwaye uqokelele iTyala¶
Ukuba ungumphuhlisi wesoftware ozimeleyo, umyili, umkhupheli, umcebisi, okanye iarhente yokuthengisa (1099 e-US, umthengisi oyedwa / i-PSC Ltd ngaphandle kwe-US), umthetho wokungabikho kwemali uphatha ii-invoyisi zakho ezingahlawulwanga ngokwahlukileyo kakhulu kwimivuzo yabasebenzi, ngaphandle kokuba ufanelekile kuHlelo lokuHlungiswa ngokutsha okanye usebenzise iPropati yoBukrelekrele (IP) yakho ngokuchanekileyo.
1. Isixhobo sokuXhobisa #1: Ipropathi yobukrelekrele (ilungelo lobunikazi) Ayidluliswanga phezu kweNtlawulo¶
Phantsi **uMthetho we-Copyright wase-United States (17 U.S.C. § 101 & § 204(a)), UK Copyright, Designs and Patents Act 1988, kunye nemithetho yeNgqungquthela yaseBerne **, ikontraki ezimeleyo (kungekhona umqeshwa we-W-2) ** umnikazi ngokuzenzekelayo i-100% yelungelo lokushicilela elisemthethweni kwikhowudi, ukuyila, ikopi, okanye ividiyo abayidalayo ngeli xesha lilungiswe kwindawo ebonakalayo **, NGAPHANDLE kokuba kukho isivumelwano esibhaliweyo esibhaliweyo "Iimvumelwano" okanye i-Copyright ebhalwe ngokufanelekileyo, i-Copyright kunye ne-Copyright ebhalwe ngokufanelekileyo. iikhontrakthi ezizimeleyo/zearhente (ezifana nomgangatho AIGA, Freelancers Union, okanye B2B MSA templates), ukunikezelwa kwelungelo lokushicilela okanye ilayisenisi kumxhasi kumiselwe ngokucacileyo "ekufumaneni intlawulo epheleleyo neyokugqibela yazo zonke ii-invoyisi."
- Kutheni le nto ikunika iNgxowa-mali enkulu ngaphezu koMxumi ongakwaziyo ukuhlawula amatyala okanye iTrasti yeBhanki:
- Xa isiqalo okanye i-arhente isonga, i-asethi yayo klzzwxh:0199, apho abaseki, umbolekisi whanki okhuselweyo, okanye i-trasti ye-bankruptcy bafuna ukuthengisa kumzuzi kwintengiso ye-asethi.
- nangona kunjalo, inkampani ayikwazi ukuthengisa okanye ilayisensi yePropati yoBukrelekrele ayibanini ngokusemthethweni. Ukuba inkampani ayizange ihlawule okokugqibela kwakho
$15,000i-invoyisi yemodyuli yekhowudi okanye ukuyila ngokutsha kwe-UI, kwaye ikhontrakthi yakho iqulethe igatya lodluliselo lwe-IP olunemeko yentlawulo (okanye awunasabelo esibhaliweyo se-IP konke konke), **inkampani ebhangayo, abatyali-mali bayo, kunye nawuphi na umthengi ofumana impahla yakhe benza ukophulwa kwelungelo lokushicilela ukuba basebenzisa ikhowudi yakho engahlawulwanga okanye uyilo **.
- Kopisha-Ncamathelisa iSaziso saseMthethweni sokuNgagqithiselwa kwe-IP kunye nokuChithwa kweLayisensi: Thumela esi saziso sisemthethweni nge-imeyile (kunye nencwadi eqinisekisiweyo) kwi-CEO yomxumi, uMcebisi Jikelele, kunye nawuphi na oqeshwe nguMamkeli wokuNgatshoniyo / iTrasti yeBhanki:
UMXHOLO: ISaziso esiSisekweni sokuNgahlawuli, Ukunqunyanyiswa kweeNkonzo, kunye nokuNgaDluliselwa / ukurhoxiswa kweLayisenisi yePropati yoBukrelekrele - [I-invoyisi #XXXX]
Othandekayo [Igama loMthengi / umamkeli / iTrasti],
Nceda uthathe isaziso esisemthethweni sokuba i-invoyisi #[XXXX] yomhla [Umhla] kwisixa-mali se-$[Isixa] somsebenzi owenziwe phantsi kwesiVumelwano sethu somhla [Umhla] udlule kwaye awukahlawulwa.
Ngokungqinelana neCandelo [X] lesiVumelwano sethu [kunye nomthetho osebenzayo wamalungelo okukhuphela phantsi kwe-17 U.S.C. § 204], ukudluliselwa kobunini, isihloko, kunye naliphi na iphepha-mvume lokusebenzisa ii-Deliverables ezidalwe phantsi kwe-Invoyisi #[XXXX] (ngokukodwa kubandakanywa [uluhlu lweemodyuli zekhowudi, uyilo, okanye i-asethi]) ibekwe ngokungqongqo ekufumaneni intlawulo epheleleyo neyokugqibela.
Ngenxa yokuba intlawulo ingafunyanwanga, akukho sabelo selungelo lokushicilela okanye iphepha-mvume elithe lasebenza, kwaye nayiphi na imvume yethutyana yokusebenzisa, ukuvelisa kwakhona, ukusasaza, okanye ukutshintshela izinto ezingahlawulwanga ezinikezelweyo kulo naliphi na iqela lesithathu, umfumani, okanye umlandeli-kwinzala iyarhoxiswa ngokusesikweni kwaye ipheliswe.
Ukuba [Igama leNkampani], ababolekisi balo abaqinisekisiweyo, okanye iqumrhu elizuzayo linqwenela ukufumana isixokelelwano esisemthethweni, esicacileyo setayitile kunye nelayisenisi yokusebenzisa ezi ziThunyelo njengenxalenye yawo nawuphi na umsebenzi oqhubekayo okanye ukuthengiswa kwe-asethi, intlawulo epheleleyo yokunyanga i-$[Isixa-mali] ifanele ifakwe [ngoMhla]. Kungenjalo, zonke iikopi zee-Deliverables ezingahlawulwanga kufuneka zisuswe kwimveliso kwaye zitshatyalaliswe ngoko nangoko.
Ozithobayo, [Igama lakho / iQumrhu leShishini]
(Kwiqaqo-phantsi lomoya kunye nokuthengiswa kwee-asethi, ukufumana abathengi kunyanzela umthengisi okanye i-ejenti ye-escrow ukuba ihlawule iikontraka eziphambili ezizimeleyo iisenti ezili-100 kwidola ekuvaleni ngokulula ukucima i-chain-of-title cloud kwi-codebase.)
2. Isixhobo sokuXhobisa #2: Ngaba Ngokwenene "WawunguMqeshwa Ongahlelwanga" Onelungelo kwiSimo soMvuzo oPhambili?¶
Uninzi lwabaqalayo luqesha abasebenzi bexesha elizeleyo njenge "1099 Independent Contractors" ukugcina kwirhafu yokuhlawula, nangona umsebenzi esebenza iiyure ezingama-40 ngeveki ngokukodwa kuloo nkampani, uhamba imihla ngemihla, usebenzisa inkampani. @company.com email, kunye neengxelo kumphathi wenkampani.
- Jonga uVavanyo lwe-ABC / Uvavanyo lwezoQoqosho lwe-DOL: Ukuba "umxhasi" wakho ulawule njani kwaye nini ubusebenza kwaye usebenze njengelungu leqela eliqhelekileyo, ungafaka ibango lakho kwiSebe lezabaSebenzi likaRhulumente (kunye neNkundla yeBhanki phantsi 11 U.S.C. § 507(a)(4)) NjengoMqeshwa Ongahlelwanga, ukuguqula i-invoyisi yakho ye-B2B engakhuselekanga ibe yi Ibango loMvuzo oPhambili kunye noxanduva lwegosa lobuqu.
- Ngaphaya koko, phantsi koMthetho wokuKhusela uMsebenzi waseCalifornia (SB 988), iNew York State's Freelance ayingomthetho wasimahla (N.Y. Gen. Bus. Law § 1410), i-Illinois's Freelance Worker Protection Act**, kunye ** Seattle / Los Angeles / Minneapolis imimiselo **, kunye neekontraka ezizimeleyo zokwenyani zikhuselwe ngokunyanzeliswa kwabasebenzi bakarhulumente kwaye zinelungelo ** lokuphindwe kabini ngokomthetho (2x) umonakalo ** ngenxa yokungahlawuli.
3. Ukubuyisela ILaptop yeNkampani Xa Basakutyala iBay Pay (I-Bailee Trap)¶
Kuthekani ukuba umqeshi ongasekhoyo uthumela ileyibhile ye-FedEx ehlawulwa kwangaphambili efuna ukuba ubuyise i-imeyile yakho $2,500 Inkampani yeMacBook Pro ngelixa besenamatyala kuwe $8,000 kumvuzo ongahlawulwanga?
- Sukuzama ukuthengisa okanye ukugcina ilaptop yenkampani ngokusisigxina "njengentlawulo yokuzinceda" ngaphandle kokuba ufumana isigunyaziso esibhaliweyo esisayiniweyo esivela kwigosa okanye i-trasti ye-bankruptcy ithengisa itayitile ye-hardware ukuze ukhululwe ngumvuzo wakho: ukugcinwa kwepropathi yenkampani ngaphandle kwekhonkco elisemthethweni elisemthethweni le-artisan/bailee linokuxelwa njengobusela okanye ukuguqulwa, kwaye nayiphi na indlela ye-MDM itshixiwe.
- Yintoni onokuyenza ngokusemthethweni:
- Ukwala ukuhlawula isenti enye epokothweni yakho yokuthumela ngenqanawa okanye ukupakisha: Funa ukuba inkampani okanye umshicileli athumeleikhuriya yekhuriya ehlawulelweyo eneleyibhile yebhokisi ehlawulwayo emnyango wakho.
- Cebisa nge "Hardware-in-Lieu-of-Severance/Wages" eBhaliweyo yokuHlaliswa koMtyholi: Kwiimeko zomoya, abathengisi bakuthiyile ukuhlawula.
$100nganye ngenqanawa, ukusula, kunye nefandesi esetyenzisiweyo iilaptops$300. Phendula ngokubhala: "Ndiyavuya ukubuyisela ilaptop ngeleyibhile yekhuriya ehlawulwa ngaphambili xa sele ndinikiwe; kungenjalo, ukusindisa ukuthunyelwa kwempahla kunye neendleko zokubhangisa, ndikulungele ukufaka i-\(X ngokuchasene nebango lam lomvuzo endilityalwayo le-\)Y ngokutshintshiselana ngetyala elisayiniweyo lentengiso kunye nokukhutshwa kwe-MDM kwesi sixhobo." (Abatshitshisiyo bayasamkela esi sipho rhoqo.) - Ngaphambi kokuthumela iLaptop Ngasemva: Fota imeko ecocekileyo yomzimba kunye nenombolo yesiriyali yelaptop kwividiyo, sula iiprofayili zebhrawuza yakho yobuqu kunye neefayile zobuqu (ngaphandle kokucima iifayile zomsebenzi wenkampani), kwaye ugcine i- FedEx/UPS irisithi yokulahla ubunzima ngonaphakade ukuze kungabikho mbhexeshi unokubanga ukuba awuzange uyibuyisele.
Imibuzo edla ngokubuzwa¶
My last paycheck direct deposit cleared on Friday, and on Monday the company filed for Chapter 7 bankruptcy. Can the bankruptcy trustee "claw back" my paycheck out of my bank account?
**No. Ordinary-course employee paychecks cannot be clawed back.** While bankruptcy trustees have power under `11 U.S.C. § 547` to claw back "preferential transfers" made to unsecured business vendors or insiders within 90 days before bankruptcy, **regularly scheduled wages and salaries paid to non-insider employees in the ordinary course of business (`§ 547(c)(2)`) are protected**, and employees enjoy statutory priority up to `$15,150`. *(However, if a paycheck bounced due to Insufficient Funds (`NSF`), contact your bank immediately to waive the returned-item fee and file a priority wage claim for the bounced amount.)*
I work remotely through an Employer of Record (EOR) platform like Deel, Remote.com, Oyster, or Velocity Global, and the client startup I work for just went bankrupt. Who owes me my final paycheck and notice pay?
**If you are employed as a full-time EOR employee (not a self-employed contractor) through Deel, Remote.com, Oyster, or Rippling EOR, the EOR platform itself is your legal employer of record on your employment contract.** Under national labor laws, **the EOR is legally required to pay your earned salary and statutory notice/severance pay on time**, regardless of whether their startup client defaulted on paying the EOR's invoice (that is why EORs collect a 1-to-2-month security deposit from client companies up front). Contact your EOR's HR support portal immediately to confirm your final payroll and statutory notice processing.
If a client goes bankrupt and never pays my $10,000 freelance invoice, can I deduct that $10,000 from my taxes as a "Bad Debt Deduction"?
**It depends on whether your freelance business uses "Cash Basis" or "Accrual Basis" accounting (95% of freelancers use Cash Basis):** - **Ukuba usebenzisa iCash-Basis Accounting (ukungagqibeki phantse kubo bonke abanini bodwa kunye ne-LLC ezinelungu elinye kwiShedyuli C yase-US):** **HAYI, awunakuthatha i-Bad Deduction Debt kwi-invoyisi engahlawulwanga**, kuba phantsi kwe-cash-based accounting zange uchaze ukuba awuhlawulwanga. `$10,000` njengengeniso erhafiswayo kwasekuqaleni (ngoko ke ingeniso yakho erhafiswayo sele ikhona `$10,000` yehlisa ngokuzenzekelayo). Unokutsala iindleko zemali eziphuma epokothweni ozichithe kwiprojekthi (ezifana nesoftware, iikontraka eziphantsi, okanye imathiriyeli). - **Ukuba usebenzisa i-Accrual-Basis Accounting (apho sele urekhode khona `$10,000` i-invoyisi njengengeniso erhafiswayo xa uthe wathumela ityala kwaye wahlawula irhafu yengeniso kuyo):** **EWE**, ungacima into engaqokelelwanga. `$10,000` njenge **Ukutsalwa kweTyala elibi kwiShishini (`IRC § 166`)** ngonyaka iba lilize.
Does my Non-Compete Agreement still block me from working for a direct competitor if my remote employer went out of business or laid me off without paying my final wages?
**In almost all jurisdictions, NO, for three independent legal reasons:** 1. **Ukwaphulwa Kwezinto Ezibonakalayo NguMqeshi Kuyiphumeza IMinqophiso Yakho:** Ngumgaqo osisiseko womthetho wekhontrakthi ukuba ukuba umqeshi wenza **ukwaphulwa kwesivumelwano sengqesho ngokusilela ukuhlawula umvuzo owufumeneyo okanye ukuqhawula isivumelwano**, umqeshi akanakunyanzelisa iminqophiso ethintelayo (njengomntu ongakhuphisaniyo) ngokuchasene nawe. 2. **Akukho Mdla woShishino uSetyelwe uKhuselwe:** Ukuba inkampani iyekile ukusebenza yaza yabhangisa, ayisenayo inzala yeshishini ekhuphisanayo yokukhusela. 3. **Izithintelo ezisemthethweni ekunyanzeliseni abantu abangakhuphisaniyo ngokuchasene nabasebenzi abagxothiweyo:** Uninzi lwamazwe ase-US (kubandakanya i-*California, Minnesota, North Dakota, Oklahoma** apho abantu abangakhuphisanayo bavalwe ngokupheleleyo, kunye ne-*Massachusetts, Washington, Illinois, New York, ne-Nevada** ethintela okanye ethintela ukunyanzeliswa kwabasebenzi abangayekiswanga okanye ukukhuphisana ngaphandle kwesizathu) amagatya emva kokuyeka okanye ukuvalwa.
Imithombo ijongiwe¶
- IiNkundla zase-United States kunye neKhowudi yoBhanki yase-U.S: *11 U.S.C. § 507 (a) (4) & (a) (5) aBango loMvuzo oPhambili kunye neNzuzo * kunye * kunye neFom yeBhanki esemthethweni ye-410 (Ubungqina beBango) Imiyalelo *.
- ISebe lezeMisebenzi yaseUnited States (i-DOL): *iCandelo loMvuzo kunye neyure (WHD) iPhepha leNgcaciso #70 (uKhuseleko lwe-FLSA kwi-Furloughs, iNtlawulo, kunye noButyala beGosa) *, *Isikhokelo soLawulo loKhuseleko loMsebenzi (i-EBSA) ngokujongene nokuBhankishwa koMqeshi (401 (k) kunye ne-COBRA / ACA yokuNgeniswa okuKhethekileyo kunye noQeqesho oluKhethekileyo WARNER) Yenza (
29 U.S.C. § 2101). - Inkonzo yaseUnited Kingdom yokuTyala (GOV.UK): Amalungelo akho ukuba uMqeshi wakho akakwazi kuhlawula amatyala (Inkonzo yeeNtlawulo eziDityanisiweyo
CNAmabango okuBhekisela kwiMivuzo engekahlawulwa, iNtlawulo yeHolide, kunye neNtlawulo yeSaziso). - Ukufaneleka kweNgqesho kunye noPhuhliso lweNtlalo yaseKhanada (ESDC) kunye neSebe lase-Australia leNgqesho kunye noBudlelwane beNdawo yoMsebenzi (DEWR): *Ukufaneleka kweNkqubo yokuKhuselwa koMvuzo (WEPP) * kunye neziKhokelo ze-Australian Fair Entitlements Guarantee (FEG).
- I-Ofisi ye-United States ye-Copyright kunye ne-Freelancers Union / iSebe lezaBasebenzi laseNew York: ISetyhula 30: Imisebenzi eyenzelwe ukuQeshwa (
17 U.S.C. § 101), Ukunika iMiqathango yeSabelo seLungelo kwiNtlawulo ePheleleyo, kunye noMthetho wokuZisebenzela awusiwo waMahala.
Izikhokelo ezinxulumeneyo¶
- Ukhuseleko lomsebenzi olungxamisekileyo kunye nobumfihlo bedatha
- Ilaptop yokusebenza ibiwe okanye yophukile ngelixa uhamba: I-MDM lock kunye ne-zero-downtime recovery
- Ukwabelana ngesikrini ngengozi ukuvuza kwedatha eyimfihlo okanye isehlo esishushu
- Ukucinywa kwemveliso ngengozi, izitshixo ze-API ezivuzayo, okanye iziseko zelifu ezicinyiweyo
- Ukufuduka kunye nokufuduswa komsebenzi okude
- Amanani kaxakeka