Lapho Umqashi Osekude noma Iklayenti Ligoqa Kungazelelwe: Ukuvikela Ama-invoyisi Angakhokhelwa kanye namarekhodi¶
Ukuvuka ngoMsombuluko ekuseni ukuze uthole ama-akhawunti akho enkampani i-Slack, i-Microsoft Teams, kanye ne-Google Workspace / Okta SSO ecishwe kungazelelwe, i-payroll direct-deposit transfers, noma i-imeyili ephuthumayo ethinta wonke umuntu ebika ukuthi umqashi wakho okude noma iklayenti le-ejensi enkulu liyekile ukusebenza futhi lingene ekucwileni kuyingozi enkulu ngokwezimali. Ngokungafani nokuvalwa kwehhovisi mathupha lapho izisebenzi zingakwazi ukwehla ngehholo ziye ku-Human Resources noma zikhulume nommeleli kahulumeni wezisebenzi esizeni, izisebenzi eziqhelile nezizimele zamazwe ngamazwe zingasulwa ngokwedijithali nengqalasizinda yenkampani ngamasekhondi angu-30, balahlekelwe ukufinyelela ezindlekweni zabo zokuhola, W-2/1099/P45 amarekhodi entela, 401(k) izinombolo zepulani, izinhlu zoxhumana nabo osebenza nabo, neminyaka yamasampula okungewona ubumfihlo bephothifoliyo.
Uma umqashi noma iklayenti elikude lingena enkingeni yokufa kwemali, isivinini nokubambelela ngokuqinile emthethweni wokuqashwa nokuvikela ikhompyutha kuyizinto zonke. Ukuthatha isinyathelo esingalungile, njengokudawuniloda imininingo egciniwe yekhasimende eliwumnikazi kusuka kukhompuyutha ephathekayo yomsebenzi okuphula uMthetho Wokukhwabanisa Nokuhlukunyezwa Kwekhompyutha (CFAA), noma ukuqhubeka nokusebenza amasonto amabili engeziwe ngezethembiso zomlomo zokuthi "ukudluliselwa kwebhange kuyeza ngoLwesihlanu", kungakudalula esibophweni sezomthetho noma kukushiye ngemuva komugqa womkweletu wokuqothuka ongavikelekile. Ngokuphambene, ukusebenza ngaphakathi kwemizuzu yokuqala engama-60 ukuze ukhiphe amarekhodi akho engosi ye-HR/i-payroll, ugomela Isimangalo Seholo Elibalulekile Elisemthethweni (11 U.S.C. § 507(a)(4) e-US noma Isevisi Yezinkokhelo Ezingadingeki e-UK), phezu komshwalense wezempilo (COBRA / Ukubhaliswa Okukhethekile kwe-ACA), nokusebenzisa isivumelwano sakho Ilungelo Lobunikazi / Isigaba Somthetho Sokuqashisa Se-IP Sokungadluliseli njengosonkontileka ozimele sivikela izimali zakho zasendlini kanye nomfutho womsebenzi.
Yenza lokhu manje¶
- Ngaphambi kokuthi i-Sing-On yakho Eyodwa (SSO) noma i-imeyili yakho yebhizinisi ihoxiswe, ngena ngemvume ku-Payroll, HRIS, kanye ne-Equity Portals (Usuku Lokusebenza, i-Gusto, i-Rippling, i-ADP, i-Deel, i-Justworks, i-Carta) bese uxhumanisa Ikheli le-imeyili LOMUNTU (
@gmail.com, njll.) kuyo yonke i-akhawunti. Kanye owakho@company.comi-imeyili ivaliwe, awusoze wathola ukusetha kabusha iphasiwedi noma amakhodi okuqinisekisa izinto ezimbili adingekayo ukuze ufinyelele izingcaphuno zakho zokugcina zokukhokha,W-2/1099/P60amafomu entela, noma401(k)umgcini womhlalaphansi. - Landa amakhophi e-PDF ezinyanga zakho eziyisi-6 zokugcina zokuhola, Inkontileka Yokuqashwa / Incwadi Yokunikezwayo / Isivumelwano Sesevisi Esikhulu Esizimele Sosonkontileka Ozimele (MSA), amabhalansi e-PTO anqwabelene, ikhomishini/incwadi yebhonasi, kanye nokubuyekezwa kokusebenza kwakho kwakamuva kufolda yomuntu siqu njengamanje. Uma inkampani iyeka ukukhokha izikweletu zayo ze-SaaS ku-Gusto, inkampani noma i-HRIP yonke izinsuku, zikushiye nemibhalo enguziro ukufakazela iholo lakho elingakhokhelwa kanye nebhalansi yeholide enkantolo yokuqothuka noma uMnyango Wezabasebenzi.
- Thumela osebenza nabo kanye nohlu lwenethiwekhi yeklayenti (
LinkedIn URLs, izinombolo zocingo zomuntu siqu, namakheli e-imeyili omuntu siqu) ngokushesha. Uma inkampani ekude igoqa, u-Slack uyanyamalala ngemizuzu. Dala i-Google Sheet noma iqembu le-Discord/WhatsApp okwabelwana ngalo nozakwenu ehoreni lokuqala ukuze ukwazi ukwabelana ngezaziso zenkantolo zokuqothuka, amasheke ezithenjwa, nabaholi bemisebenzi. - UNGALOKOTHI udawunilode ikhodi yomthombo wobunikazi, uhlu lwamakhasimende, izimfihlo zezohwebo, noma imininingo egciniwe yenkampani, futhi UNGALINGE ucekele phansi, ususe, noma ubambe iseva yokukhiqiza bukhoma. Ngisho noma iklayenti noma umqashi ekukweleta
$25,000ngamaholo angakhokhelwa noma ama-invoyisi, ukungena kuseva yokukhiqiza ukuze wehlise iwebhusayithi yabo ebukhoma, uguqule amagama ayimfihlo ayimfihlo, noma ukhiphe idatha yekhasimende kuyicala lobugebengu ngaphansi koMthetho wase-US Computer Fraud and Abuse Act (18 U.S.C. § 1030), i-UK Computer Miuse Act 1990, kanye nemithetho efanayo yobugebengu bamakhompuyutha emhlabeni wonke. Sebenzisa u-100% wezindlela zenkontileka esemthethweni kanye nezindlela zokuqinisekisa ezisemthethweni ezinemininingwane Engxenyeni 3 esikhundleni salokho. - Uma ungusonkontileka ozimele/ozimele (
1099/ B2B) futhi iklayenti liphuthelwa umnqamulajuqu wenkokhelo noma i-invoyisi ngenxa yokungakhokhi, likhiphe okusemthethweni okubhaliwe kokuthi "Isaziso Sokumiswa Kwezinsizakalo Zokungakhokhi" futhi STOP ukuletha amafayela amasha angakhokhiwe ngokushesha. Ungalinge unikeze amafayela omthombo angamakiwe, izimpahla zomklamo oyinhloko, noma izinqolobane zokugcina zekhodi ekhasimendeni elingakhokhelwa ukuze likholwe ukuthi lizokhokha. - Izinzuzo zefayela le-Unemployment Insurance (UI) ngalo kanye lolo suku ukuqashwa kwakho kuphela noma ukuma kwakho komholo. E-United States, Canada (
EI), i-United Kingdom (New Style JSA / Universal Credit), kanye ne-European Union, izinzuzo zokungasebenzi cishe azisoze zaqala ukusebenza ngaphambi kweviki othumela ngalo isimangalo sakho sokuqala, ngisho noma ulinda amaviki amathathu unethemba lokuthi inkampani izophinda ivuleke.
Danger
I-Trap ethi "Vela Usebenza Ngenkathi Sivala Umjikelezo Webhuloho Lethu": Lapho inkampani yokuqala noma i-ejensi iphelelwa yimali futhi iphuthelwa ukukhokhelwa okuhleliwe, abasunguli bavame ukuncenga izisebenzi ezikude ukuthi ziqhubeke nokusebenza "ngaphandle kwewashi" noma ngenkokhelo ehlehlisiwe amaviki angu-2 kuya kwangu-4 ngenkathi ukuthengwa noma ukubolekwa kwebhuloho kuvalwa. Kuzo zonke izindawo ezinkulu, ukwehluleka ukukhokha amaholo azuziwe ngosuku lokuhola oluhleliwe ngokomthetho kuwukwephulwa komthetho wokuqashwa (futhi lapho ehluleka ukukhokhela izinkampani, abaqondisi bangaba necala mathupha ngokuhweba okungalungile uma bengenisa isikweletu seholo lesisebenzi esisha abangakwazi ukusikhokha). Uma idiphozithi eqondile ekhokhayo igxuma noma yehluleka ukufika, yeka ngokushesha ukunqwabelanisa izindleko zekhadi lakho lesikweletu ungakhokhile. amahora ngokubhala, futhi ufake isicelo senkokhelo esisemthethweni.
Isihlahla Sesinqumo: Isisebenzi Esikhokhelwayo (W-2 / PAYE) vs. Usonkontileka Ozimele (1099 / B2B)¶
Amalungelo akho angokomthetho, ukubaluleka kokuqothuka, kanye namandla phezu komkhiqizo wakho womsebenzi kuncike ngokuphelele ekutheniuyisisebenzi esifakwe esigabeni noma usonkontileka ozimele / isisebenzi esizimele/i-ejensi. Landela igatsha lakho elingezansi.
flowchart TD
A["Umqashi Osekude noma Iklayenti Ligoqe Kungazelelwe / Liphuthelwe Imali Yokukhokha / Livala Ama-akhawunti"] --> B{"Buyini ubudlelwano bakho bokusebenza obusemthethweni?"}
B -->|"Isisebenzi Esiholayo Noma Samahora Onke (i-US W-2, i-UK PAYE, i-Canadian T4, noma uMqashi-werekhodi njengo-Deel/Okude)"| C["ISINYATHELO 1: Shintsha i-Gusto/Usuku Lokusebenza/i-ADP/401k ungene ku-imeyili yomuntu siqu futhi udawunilode ama-Pay Stubs, i-W-2, incwadi yokunikeza, ibhalansi ye-PTO"]
C --> D{"Ingabe inkampani yafaka ngokusemthethweni Ukuqothuka (Ch. 7 / Ch. 11 / Administration) NOMA yavele yanyamalala/yavalwa?"}
D -->|"Kuqokwe Umamukeli Osemthethweni Wokuqothuka / Ukwehlulwa"| E["Isimangalo Somholo Wokubaluleka Kwefayela (US 11 U.S.C. 507(a)(4) kufika kokubalulekile okungu-$15,150; Isimangalo Senombolo Ye-RPS ye-UK; Canada WEPP)"]
D -->|"Vala ngokungakahleleki ngaphandle kokukhokha iholo lokugcina/i-PTO"| F["Faka Isimangalo Esiphuthumayo Somholo Ongakhokhelwa Nomnyango Wezabasebenzi Wezwe / US DOL WHD (Abaqondisi ngokuvamile banesibopho somuntu siqu ngamaholo)"]
B -->|"Usonkontileka Ozimele, I-Freelancer, noma i-Ejensi ye-B2B (1099 / Corp-to-Corp)"| G["ISINYATHELO 1: Isaziso Esibhalwayo Sokumisa Umsebenzi ngokushesha futhi umise ukudluliswa kwamafayela/ama-repo endawo angalethiwe"]
G --> H{"Iklayenti likhokhe kanjani, futhi ithini Inkontileka yakho ngobunikazi be-IP?"}
H -->|"Inkontileka ithi ukudluliselwa kwe-IP KUPHELA Ekukhokhweni Okugcwele (Isigaba Somthetho Esijwayelekile Sokusebenza Ngokuzimela)"| I["Thumela Isaziso Esisemthethweni Sokungadluliswa Kwelungelo Lobunikazi/Ilayisensi: Iklayenti nomamukeli abakwazi ukusebenzisa ngokusemthethweni umsebenzi ongakhokhelwa."]
H -->|"Asikho isigatshana se-IP noma umsebenzi osuvele ulethiwe"| J["Londoloza I-invoyisi + Amarisidi Okulethwa + Ama-imeyili Okwamukelwa -> Ubufakazi Befayela Besimangalo (Ifomu 410) & Funa Ukudonswa Kwentela Yesikweletu Esibi"]
Ingxenye 1: Iphrothokholi Yokuphuma Kwedijithali Yemizuzu engama-30 (Ngaphambi kokuthi I-SSO Ikuvalele Ngaphandle)¶
Lapho umlawuli we-IT noma umsebenzi oshodayo eshaya "Yenza Umsebenzisi" kokuthi Okta, I-Microsoft Entra ID (Azure AD), noma i-Google Workspace, ikhompuyutha ephathekayo yenkampani yakho ingase ikhiywe ngokusebenzisa I-Mobile Device Management (MDM; bona Ilokhi ye-MDM ye-laptop yokusebenza nokululama) kanye nazo zonke izikhathi zesiphequluli ezisebenzisayo "Sign in with Google / Microsoft" bafe ngaso leso sikhathi. Uma useneseshini ebukhoma noma uthole izixwayiso zemizuzu engama-30 ngaphambi kokuvalwa, khipha lawa marekhodi omuntu siqu, asemthethweni ngalolu hlelo ncamashi:
| Okubalulekile | Isistimu / Iphothali | Isinyathelo Esiqondile Okufanele Usithathe Ngokushesha | Kungani Kubalulekile? |
|---|---|---|---|
| 1 (Imizuzu emi-5 yokuqala) | I-Payroll & HRIS Portal (Gusto, Rippling, Workday, ADP, Paylocity, Justworks, BambooHR, Deel, Remote.com) | 1. Yiya kokuthi Izilungiselelo Ze-akhawunti -> Ukuphepha/I-imeyili bese ushintsha i-imeyili yakho yokungena ibe i-imeyili yomuntu siqu. 2. Landa wonke ama-Pay Stubs kusukela onyakeni wamanje nowangaphambilini, wonke W-2 / 1099 / P60 / T4 amafomu entela, bese uthwebula isithombe-skrini ibhalansi yakho yamanje Yeholide / ye-PTO yamahora. |
Ifakazela isilinganiso sakho esiqondile somholo, ukubanjwa kwentela, kanye ne-PTO eqongelelwe engakhokhelwa Yomshwalense Wokungaqashwa kanye Nezimangalo Zeholo Lokuqothuka Okubalulekile. |
| 2 (Amaminithi 5-10) | Umhlalaphansi (401(k) / Impesheni), HSA, & Equity Portal (Fidelity, Vanguard, Guideline, Betterment, Human Interest, Carta, Pulley) |
Ngena ngemvume, shintsha i-imeyili yokuxhumana eyinhloko ibe i-imeyili yomuntu siqu, landa ishejuli yakho yokutshala izimali / 83(b) ukhetho/isivumelwano sesibonelelo sokhetho, futhi uhlole ukuthi umqashi uzifake ngempela yini idiphozithi yezinyanga ezi-3 zokugcina 401(k) imali edonswayo emalini edonswa emalini yakho yokuhola. |
Uma izinkampani ezingenazo izikweletu ziphelelwa yimali, kwesinye isikhathi ziyayidonsa 401(k) noma amaphrimiyamu omshwalense wezempilo avela ezinkokhelweni zesisebenzi ngaphandle kokudlulisela imali kumphathi (ukwephulwa kombuso we-ERISA wokuthi i-US DOL EBSA izokubuyisela ngobudlova). |
| 3 (Amaminithi 10-15) | Inkontileka Yokuqashwa, Incwadi Yokunikezwayo, Imvume Yemvume, namarisidi Ezindleko | Londoloza ama-PDF wencwadi yakho yohlelo esayiniwe, Isivumelwano Sokuqashwa, Okungaqhudelani / I-NDA (ukuze wazi imigomo yakhona ngqo), Uhlelo Lwekhomishini, kanye nawo wonke amaresidi ohambo lwebhizinisi/wesofthiwe angakhokhelwa. | Izindleko zebhizinisi ezingabuyiselwa kanye namabhonasi enkontileka kufanele kubhalwe phansi kanye namarisidi azofakwa eBufakazini Besimangalo. |
| 4 (Imizuzu 15-20) | Izibuyekezo zokusebenza, "Kudos," kanye nesifinyezo samamethrikhi | Kopisha ukuhlolwa kokusebenza kwakho siqu, izincwadi zokuphromotha, nezimpumelelo zezinombolo eziphezulu (ngokwesibonelo, "Ingqalasizinda yamafu encishisiwe echitha ngo-34% ($180k/yr)" noma "Khulisa izinga lokuguqulwa lisuka ku-2.1% liye ku-3.8%") libe inothi lomuntu siqu. | Ikunikeza amachashazi aqondile, aqinisekisiwe wokuqalisa kabusha kanye nobufakazi bokusebenza okuqinile kusesho lwakho lomsebenzi olusheshayo. |
| 5 (Amaminithi 20-30) | Amasampula Ephothifoliyo (Esidlangalaleni / Okungagcini Imfihlo Kuphela) Namafayela Omuntu Siqu | Abaklami/Ababhali/Abakhangisi: Londoloza amakhophi ethulwe esidlangalaleni amakhasi ewebhu, amabhulogi ashicilelwe, okushicilelwe esidlangalaleni, noma izithombe-skrini ze-UI zomphakathi ozidalile. Amafayela Omuntu Siqu: Susa amafomu akho entela, ama-PDF ezokwelapha, namaphasiwedi esiphequluli somuntu siqu agcinwe ngaphakathi kwe-Chrome/Edge kukhompuyutha ephathekayo yomsebenzi. |
Ungalokothi ukopishe ikhodi yomthombo wobunikazi, imiklamo yemikhiqizo engakhishiwe, noma i-PII yekhasimende. Uma iphrojekthi isivele isesidlangalaleni ku-inthanethi, ukufaka kungobo yomlando izithombe-skrini zesayithi lomphakathi elibukhoma kusemthethweni. |
Ingxenye 2: Izisebenzi Eziholayo Ziwathola Kanjani Amaholo Angakhokhiwe, i-PTO, Nezinzuzo¶
Uma umqashi wakho evala ukukukweleta isonto elingu-1 kuya kwangu-4 lomholo ongakhokhelwa, iholidi elinqwabelene/i-PTO, izindleko ezingakhokhelwa, noma ukunqanyulwa kwe-WARN Act, ungacabangi ukuthi imali ihambe unomphela. Cishe kuwo wonke amazwe, izisebenzi ziphakeme eduze kwaphezulu kakhulu kwesigaba sokukhokha esisemthethweni, ngaphambi kongxiwankulu, abathengisi abangavikelekile, nabanikazi bezindlu, futhi ezindaweni eziningi izikhulu zezinkampani nabaqondisi banesibopho somuntu siqu kuma-akhawunti abo asebhange amaholo ezisebenzi ezingakhokhelwa.
1. I-United States: Izimangalo Zokuqothuka Okubalulekile, Amalayisense Emiholo Yezwe kanye Nesibopho Sesikhulu Somuntu Siqu¶
- Uma Umqashi Efake Isahluko 7 noma Ukuqothuka kweSahluko 11 (
11 U.S.C. § 507(a)(4)Isimangalo Seholo Elibalulekile):- Ngaphansi Kwekhodi Yokuqothuka yase-US (
11 U.S.C. § 507(a)(4)futhi§ 507(a)(5)), amaholo angakhokhelwa, amaholo, amakhomishini, iholidi, ikhefu, nekhefu lokugula elitholwe ngumuntu zingakapheli izinsuku eziyi-180 ngaphambi kokufaka isicelo sokuqothuka (noma ukumiswa kwebhizinisi) thola Okubalulekile Okusemthethweni Kwesigaba Sesine kuze kufike ku-$15,150umsebenzi ngamunye (ilungiswa njalo eminyakeni emi-3 ukuze kukhuphuke izinga lentengo), kanye nesigaba esibalulekile esengeziwe seminikelo yohlelo lwenzuzo yesisebenzi engakhokhelwa (401(k)/ umshwalense wezempilo). - Indlela Yokuthumela Ifayela Mahhala: Bheka udaba lwenkampani kuwebhusayithi yomenzeli wezimangalo zokuqothuka (njenge-Stretto, Kroll, Epiq, noma PACER) bese uthumela Ifomu Elisemthethweni 410 (Ubufakazi Besimangalo). Thikha Ibhokisi 12 ("Yebo, isimangalo sinelungelo lokuza kuqala ngaphansi kuka-11 U.S.C. § 507(a)(4)"), namathisela izigaxa zakho zokukhokha zokugcina kanye nencwadi yokunikeza, futhi uyithumele ngaphambi Kosuku Lwebha.
- Ngaphansi Kwekhodi Yokuqothuka yase-US (
- Uma Umqashi Evala Phansi NGAPHANDLE Kokugcwalisa Ukuqothuka (Umnyango Wezwe Wezabasebenzi Nesibopho Somuntu Siqu Sabasunguli/Izikhulu):
- Iziqalo eziningi ezihlulekayo kanye namabhizinisi amancane avele avale iminyango yawo ahambe ngaphandle kokukhokha
$25,000+izindleko zomthetho zokufaka ukuqothuka okusemthethweni kweSahluko 7. - Faka Isimangalo Seholo Engakhokhelwa Nomnyango Wezabasebenzi Wezwe esifundazweni lapho usebenze ngokomzimba ukude (kanye/noma izwe lapho inkampani ikomkhulu layo).
- Isibopho Somuntu Siqu Sabaphathi Bama-CEO, Abasunguli, Nabanikazi Bamasheya Abaphezulu: Ngaphansi Kombuso I-Fair Labour Standards Act (FLSA) kanye nemithetho yeholo yezwe ebeka ingcaca e California (
Cal. Lab. Code § 558.1), I-New York (N.Y. Bus. Corp. Law § 630kubanikazi bamasheya abaphezulu abayi-10 bezinkampani ezingezona ezomphakathi, kanyeN.Y. Lab. Law § 198-a, Massachusetts (M.G.L. c. 149 § 148), e-Illinois, e-Texas, nase-Washington, izikhulu zebhizinisi, abaqondisi, nama-ejenti alawulayo alawula ukukhokhwa kwawo angathweswaisibopho somuntu siqu futhi ngamunye ngamaholo angakhokhelwa, amademeshe aphindwe kathathu (3x) asemthethweni, kanye nezindleko zommeli ngisho noma inkampani ngokwayo iqomile.
- Iziqalo eziningi ezihlulekayo kanye namabhizinisi amancane avele avale iminyango yawo ahambe ngaphandle kokukhokha
- I-Federal & State WARN Act (Isijeziso Sokukhokha Emuva Sezinsuku Ezingu-60 Sokuvalwa Kwenqwaba):
- Uma umqashi wakho ebenabasebenzi abangu-100 noma ngaphezulu abaqashwe ngokugcwele* (noma izisebenzi ezingu-50 kuye kwezingu-75+ ngaphansi kwemithetho eqinile ye-mini-WARN e-California, New York, New Jersey (edinga isaziso sezinsuku ezingu-90 KANYE nenkokhelo yokuyekwa okuyisibopho), e-Illinois, nase-Washington) futhi avale kungazelelwe ngaphandle kokunikeza isaziso esibhaliwe esisemthethweni sezinsuku ezingu-60, zonke izinsuku eziyi-6 zesisebenzi esithintekayo zikhokhelwa ngokugcwele. kanye nezinzuzo* njengesimangalo esibalulekile.
- Kungenzekani Uma Umqashi Wami Eyeka Ukukhokhela Umthwali Womshuwalense Wezempilo Noma Evala Uhlelo Lwezempilo Lweqembu? (Isicupho seCOBRA):
- Ngokuvamile, i-COBRA* yombuso ikuvumela ukuthi ugcine uhlelo lwezempilo lomqashi wakho ngokukhokha u-102% weprimiyamu. Nokho, uma umqashi oswele imali enqamula ngokuphelele zonke izinhlelo zomshwalense wezempilo weqembu futhi engabe esaba khona, AKUKHO uhlelo lwezempilo lweqembu olusele ukuze iCOBRA iqhubeke.
- Okufanele ukwenze esikhundleni salokho: Ukulahlekelwa ukuvikeleka kwezempilo komqashi ngenxa yokuvalwa kwenkampani kubangela **Izinsuku Eziyisi-60 Zesikhathi Sokubhaliswa Okukhethekile (SEP)****ku-Affordable Care Act (ACA) HealthCare.gov Marketplace (kanye nokuhwebelana kwezwe), lapho isimo sakho semali engenayo eyiziro ngokuvamile sikwenza ufanelekele izinhlelo ezinkulu zokuqalisa i-Silversi noma i-Silversige engaphansi kwe-Gd. umhla woku-1 wenyanga.
2. I-United Kingdom, Canada, European Union & Australia: Izimali Zesiqinisekiso Somholo Kahulumeni¶
Ngokungafani ne-United States (ethembele ekubekweni phambili kwefa kanye nesibopho sezomthetho), i-UK, Canada, amazwe angamalungu e-EU, kanye ne-Australia agcina IziKhwama Zesiqinisekiso Somholo Osekelwa uhulumeni ezikhokhela izisebenzi ezikude imiholo yazo engakhokhelwa ngokuqondile evela kumgcinimafa kazwelonke phakathi namasonto ambalwa:
| Izwe / Isifunda | Isikhwama Sikahulumeni Esisemthethweni Sokuqinisekisa Amaholo | Ongakufuna Ngokuqondile Kuhulumeni | Indlela Yokufaka Isicelo Ngokushesha |
|---|---|---|---|
| I-United Kingdom | Isevisi Yezinkokhelo Zokungadingeki (RPS) / Isikhwama Sikazwelonke Somshwalense (GOV.UK) |
- Kufika emavikini angu-8 eholo elingakhokhelwa (imali esele ngemuva komholo) - **Kufika emavikini angu-6 enkokhelo yeholide engakhokhelwanga ** - Inkokhelo Yesaziso Esisemthethweni (isonto elingu-1 ngonyaka kusetshenzwe, kufika emavikini ayi-12) - Inkokhelo Esemthethweni Yokungaboli (uma iqashwe iminyaka engu-2+) (Kufakwe emkhawulweni wamanje womholo weviki wonke osemthethweni, £700/week ngo-2024/25) |
Thintana ne-Insolvency Practitioner eqokiwe (Umlawuli noma Umqinisi)* ukuze uthole CN Inombolo Yereferensi Yekesi, bese usebenzisa ku-inthanethi kokuthi gov.uk/claim-redundancy. |
| Canada | Uhlelo Lokuvikela Umholo (WEPP) (Isevisi yaseCanada) | Ikhava okungakhokhiwe amaholo, iholo leholide, inkokhelo yokunqanyulwa, kanye nenkokhelo yokuyeka emsebenzini etholwe ezinyangeni ezingu-6 ngaphambi kokuqothuka/ukuthola, kufika enani elilingana namaviki angu-*7 omshwalense omkhulu Womshwalense Wokuqashwa (EI) imali engenayo (-$8,500+ CAD)**. |
Ifayela elithi Umshwalense Wokuqashwa (EI) ngokushesha; uma umphathiswa onelayisensi yokweba imali ekhipha ifomu lakho lemininingwane yomphathi we-WEPP, faka isicelo ku-inthanethi nge-Service Canada. |
| Iyuniyani yase-Europe | I-EU Insolvency Directive (2008/94/EC) Izikhungo Zesiqinisekiso Zikazwelonke (isb., Insolvenzgeld nge-Bundesagentur für Arbeit eJalimane; AGS eFrance; FOGASA eSpain) |
Iziqinisekiso 100% wesamba samaholo angakhokhelwa kuze kube yizinyanga ezi-3 ngaphambi kokuvulwa kwezinqubo zokungabi nazimali (isibonelo, isiJalimane Insolvenzgeld ukhokha izinyanga ezi-3 zomholo ophelele). |
Bhalisa njengabangasebenzi nesikhungo sezabasebenzi sendawo yangakini zingakapheli izinsuku ezingu-3 zesaziso bese uthumela isicelo senzuzo yokungabibikho phakathi kwewindi eliqinile lezinyanga ezimbili. |
| Australia | Isiqinisekiso Samalungelo Afanelekile (FEG) (Umnyango Wezokuqashwa Nobudlelwano Basemsebenzini) | Ikhava kufika emavikini angu-13 omholo ongakhokhelwa, konke okungakhokhelwa ikhefu lonyaka nekhefu lenkonzo ende, inkokhelo efika ku-***5 yamasonto esikhundleni sesaziso **, kanye nenkokhelo efika ku maviki angu-4 yokungakhokhi umsebenzi ngonyaka. | Faka isicelo ku-inthanethi nge-FEG Portal (dewr.gov.au/fair-entitlements-guarantee) zingakapheli izinyanga eziyi-12 zokuqedwa. |
Ingxenye 3: Indlela Osonkontileka Abazimele Nabasebenzi Abazimele (1099 / B2B) Vikela Umsebenzi futhi Uqoqe Izikweletu¶
Uma ungumthuthukisi wesofthiwe ozimele, umklami, umkopishi, umeluleki, noma i-ejensi yokumaketha (1099 e-US, umthengisi oyedwa / i-PSC Ltd ngaphandle kwase-US), umthetho wokuqothuka uphatha ama-invoyisi akho angakhokhelwa ngendlela ehluke kakhulu kumholo wesisebenzi, ngaphandle kwalapho ufaneleka Ukuhlelwa Kabusha Kwezigaba Ezingalungile noma usebenzise inzuzo yakho ye-Intellectual Property (IP).
1. Vuselela Isikhali #1: Impahla Yengqondo (Copyright) Ayidluliswa Phezu Kokukhokha¶
Ngaphansi Umthetho We-copyright wase-United States (17 U.S.C. § 101 & § 204(a)), UK Copyright, Designs and Patents Act 1988, kanye nemithetho ye-Berne Convention, usonkontileka ozimele (hhayi isisebenzi se-W-2) ngokuzenzakalelayo ungumnikazi we-100% welungelo lobunikazi elisemthethweni ekhodini, imiklamo, ikhophi, noma ividiyo abayidalayo ngesikhathi ilungiswa ngendlela ephathekayo, NGAPHANDLE kunesivumelwano esibhaliwe esivumelekile esithi "Umsebenzi" noma Wenziwe Ngokufanelekile, FUTHI Owenziwe Ngokufanelekile izinkontileka ezizimele/ze-ejensi (njengezifanekiso ezijwayelekile AIGA, Freelancers Union, noma ze-B2B MSA), ukunikezwa kwelungelo lobunikazi noma ilayisensi kuklayenti kuncike ngokucacile "ekutholeni inkokhelo ephelele neyokugcina yawo wonke ama-invoyisi."
- Kungani Lokhu Kukunika Inzuzo Enkulu Ngokudlula Iklayenti Elingenamali noma I-Trustee Engenamali:
- Uma isiqalisi noma i-ejensi igoqa, impahla yayo ebalulekile esele ivamise ukuba i-software codebase, iwebhusayithi, izimpahla zomkhiqizo, noma okulethwa iklayenti, abasunguli, umabolekisi wasebhange ovikelekile, noma umphathiswa oqoliwe abafuna ukuthengisela isitholi ngokuthengiswa kwempahla.
- nokho, inkampani ayikwazi ukuthengisa noma ilayisensi I-Intellectual Property enganayo ngokusemthethweni. Uma inkampani ingakaze ikukhokhele okokugcina
$15,000i-invoyisi yemojuli yekhodi noma ukuklama kabusha kwe-UI, futhi inkontileka yakho iqukethe isigatshana sokudlulisa IP esinemibandela yokukhokha (noma awunawo nhlobo isabelo esibhaliwe se-IP esibhaliwe), inkampani eswele imali, abatshalizimali bayo, nanoma yimuphi umthengi othola izimpahla zayo benza ukwephulwa kwe-copyright uma besebenzisa ikhodi yakho engakhokhelwa noma imiklamo.
- Isaziso Esisemthethweni Sokukopisha-Namathisela Sokungadluliswa Kwe-IP Nokuhoxiswa Kwelayisensi: Thumela lesi saziso esisemthethweni nge-imeyili (kanye nemeyili eqinisekisiwe) ku-CEO weklayenti, Umeluleki Jikelele, nanoma yimuphi Oqokiwe Umamukeli Wokungathenjelwa Kwezimali / Umphathiswa Wokuqothuka:
ISIHLOKO: Isaziso Esisemthethweni Sokungakhokhi, Ukumiswa Kwezinsizakalo, Nokungadluliswa Kwemali / Ukuhoxiswa Kwelayisense Yendawo Yengqondo - [I-invoyisi #XXXX]
Othandekayo [Igama Leklayenti / Umamukeli / Umphathiswa],
Sicela uthathe isaziso esisemthethweni sokuthi i-invoyisi engu-#[XXXX] yangomhla [Idethi] enanini elingu-$[Inani] lomsebenzi owenziwe ngaphansi kweSivumelwano sethu somhla othi [Idethi] idlule isikhathi futhi ayikhokhelwa.
Ngokuvumelana neSigaba [X] seSivumelwano sethu [kanye nomthetho osebenzayo we-copyright ongaphansi kuka-17 U.S.C. § 204], ukudluliswa kobunikazi, isihloko, nanoma iyiphi ilayisensi yokusebenzisa Okudilivayo okudalwe ngaphansi kwe-invoyisi engu-#[XXXX] (okufaka ngokukhethekile [uhlu lwamamojula ekhodi okuyiyonayona, imiklamo, noma izimpahla]) kunemibandela eqinile lapho kutholwa inkokhelo ephelele neyokugcina.
Ngenxa yokuthi inkokhelo ayizange yamukelwe, asikho isabelo selungelo lobunikazi noma ilayisense esiqalile ukusebenza, futhi noma iyiphi imvume yesikhashana yokusebenzisa, ukukhiqiza kabusha, ukusabalalisa, noma ukudlulisa Okudilivwe okungakhokhelwa kunoma iyiphi inkampani yangaphandle, isitholi, noma umlandeli wenzalo ngakho-ke kuhoxiswa ngokusemthethweni futhi kupheliswa.
Uma [Igama Lenkampani], ababolekisi bayo abavikelekile, noma inkampane ezuzayo ifisa ukuthola uchungechunge olusemthethweni, olucacile lwesihloko kanye nelayisense yokusebenzisa lokhu Okudilivwayo njengengxenye yanoma yimuphi umsebenzi oqhubekayo noma ukudayiswa kwempahla, inkokhelo egcwele yokwelapha engu-$[Inani] kufanele ixhunywe [Idethi]. Uma kungenjalo, wonke amakhophi Okulethwa Okungakakhokhelwa kufanele akhishwe ekukhiqizweni futhi abhujiswe ngokushesha.
Abazithobayo, [Igama Lakho / Ibhizinisi Lebhizinisi]
(Ezindaweni eziningi zokuqalisa phansi komoya nokuthengiswa kwempahla, ukuthengwa kwabathengi kuphoqa umthengisi noma i-escrow agent ukuthi akhokhele osonkontileka ababalulekile abazimele amasenti ayi-100 edola lapho kuvalwa ukuze kusule ifu lochungechunge lwesihloko ku-codebase.)
2. Vuselela Isikhali #2: Ingabe Ngempela "Wawuyisisebenzi Esifakwe Ngesigaba Esingalungile" Esinelungelo Lesimo Semholo Esibalulekile?¶
Iziqalo eziningi ziqasha izisebenzi zesikhathi esigcwele ezikude njenge-"1099 Independent Contractors" ukuze zonge izintela ezikhokhelwayo, noma ngabe isisebenzi sisebenza amahora angama-40 ngesonto kuleyo nkampani kuphela, sihambela izinhlelo zansuku zonke, sisebenzisa inkampani. @company.com i-imeyili, futhi ibika kumphathi wenkampani.
- Hlola Ukuhlolwa Kwe-ABC / Ukuhlolwa Kwezinto Ezingokoqobo Kwezomnotho ze-DOL: Uma "iklayenti" lakho lilawule kanjani nokuthi nini usebenze futhi usebenze njengelungu leqembu elivamile, ungafaka isicelo sakho ku-Umnyango Wezabasebenzi Wezwe (kanye neNkantolo Yokuqothuka ngaphansi 11 U.S.C. § 507(a)(4)) Njengomsebenzi Ongahlelwanga Kahle, oguqula i-invoyisi yakho ye-B2B engavikelekile ibe Isimangalo Seholo Elibaluleke Kakhulu esinesibopho sezomthetho somuntu siqu.
- Ngaphezu kwalokho, ngaphansi Umthetho Wokuvikelwa Kwabasebenzi Abazimele baseCalifornia (SB 988), Umthetho Ozimele WaseNew York State (N.Y. Gen. Bus. Law § 1410), I-Freelance Worker Protection Act yase-Illinois, kanye nezimiso ze-Seattle / Los Angeles / Minneapolis, ngisho nosonkontileka bangempela abazimele bavikelwa ukuphoqelelwa kwabasebenzi bombuso futhi banelungelo lokulimaza okusemthethweni okuphindwe kabili (2x) ngokungakhokhi.
3. Ukubuyisela I-Laptop Yenkampani Lapho Basakukweleta I-back Pay (I-Bailee Trap)¶
Kuthiwani uma umqashi ongasekho ethumela ilebula ye-FedEx ekhokhelwa ngaphambili efuna ukuthi ubuyisele eyakho i-imeyili $2,500 inkampani iMacBook Pro ngenkathi basakukweleta $8,000 emholweni ongakhokhelwa?
- UNGAZAMI ukuthengisa noma ukugcina unomphela ikhompuyutha ephathekayo ephethwe yinkampani "njengenkokhelo yokuzisiza" ngaphandle kwalapho uthola ukugunyazwa okubhaliwe okusayiniwe okuvela esiphathini noma umphathiswa oshonile ohweba isihloko sezingxenyekazi zekhompiyutha ukuze ukhulule iholo lakho: ukugcina impahla yenkampani ngaphandle kwesibopho esisemthethweni se-artisan/bailee kungabikwa njengokuntshontsha noma ukuguqulwa, futhi noma iyiphi i-MDM ikhiyiwe.
- Lokho ONGAKWENZA ngokusemthethweni:
- Yenqaba ukukhokha isenti elilodwa ephaketheni lakho ukuze uthunyelwe noma ukupakishwa: Funa ukuba inkampani noma umdayisi athumele ikhophi yencwadi ekhokhelwa kusengaphambili enelebula yebhokisi elikhokhelwayo emnyango wakho.
- Phakamisa Inkokhelo Ebhaliwe "Ye-Hardware-in-Lieu-of-Severance/Wages" Kumxazululi: Uma kunezimo eziphuthumayo, abadayisi bayakuzonda ukukhokha.
$100ngalinye lizothunyelwa, lisule, futhi lidayise amakhompyutha aphathekayo asetshenzisiwe$300. Phendula ngokubhala: "Ngiyajabula ukubuyisela ikhompuyutha ephathekayo ngelebula leposi elikhokhelwa kusengaphambili uma selihlinzekiwe; noma kunjalo, ukuze ngisindise izindleko zokuthunyelwa kwempahla nezokuvala, ngizimisele ukufaka u-\(X ngiphikisana nesimangalo sami seholo engikweletwayo esingu-\)Y ukuze ngithole ibhili yokuthengisa esayiniwe kanye nokukhishwa kwe-MDM kwale divayisi." (Abanqamuli bamukela lokhu kunikezwa njalo.) - Ngaphambi Kokuthumela I-Laptop I-Laptop: Thatha isithombe isimo esihlanzekile somzimba kanye nenombolo ye-serial yekhompuyutha ephathekayo kuvidiyo, sula amaphrofayela esiphequluli sakho siqu namafayela omuntu siqu (ngaphandle kokususa amafayela omsebenzi enkampani), futhi ugcine irisidi yesisindo ye-FedEx/UPS unomphela ukuze kungabikho umdayisi ongasho amanga ukuthi awuzange uyibuyise.
Imibuzo evame ukubuzwa¶
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):** - **Uma usebenzisa i-Cash-Basis Accounting (okuzenzakalelayo cishe kubo bonke abanikazi bodwa kanye nama-LLC anelungu elilodwa kuSheduli C yase-US):** **CHA, awukwazi ukuthatha Ukudonswa Kwesikweletu Esibi nge-invoyisi engakhokhiwe**, ngoba ngaphansi kwe-accounting yesisekelo semali awukaze ubike lokho okungakhokhelwanga. `$10,000` njengemali engenayo ekhokhiswa intela kwasekuqaleni (ngakho-ke imali yakho engenayo ekhokhiswa intela isivele ikhona `$10,000` yehlisa ngokuzenzakalelayo). Ungakwazi ukukhipha kuphela izindleko zemali eziphuma ephaketheni ozichithe kuphrojekthi (njengesofthiwe, osonkontileka abancane, noma izinto zokwakha). - **Uma usebenzisa i-Accrual-Basis Accounting (lapho usuqophe khona `$10,000` i-invoyisi njengemali engenayo ekhokhiswa intela ngenkathi uthumela isikweletu futhi ukhokha intela yeholo kuyo):** **YEBO**, ungasula okungaqoqwa `$10,000` njenge- **Ukudonswa Kwesikweletu Esibi Sebhizinisi (`IRC § 166`)** ngonyaka iba yize.
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. **Ukwephulwa Kwezinto Ezibalulekile Komqashi Kuqeda Izivumelwano Zakho:** Kuwumgomo oyinqaba womthetho wenkontileka ukuthi uma umqashi enza **ukwephula okubalulekile kwenkontileka yokuqashwa ngokwehluleka ukukhokha umholo wakho oyizuzile noma ukuyekwa ngokwenkontileka**, umqashi akanakuphoqelela izivumelwano ezinemingcele (njengomuntu ongaqhudelani) nawe. 2. **Ayikho Intshisekelo Yebhizinisi Esemthethweni Esele okufanele Ivikelwe:** Uma inkampani iyekile ukusebenza futhi yavala, ayisenayo inzalo yebhizinisi eqhudelanayo okufanele ivikeleke. 3. **Izithibelo Ezisemthethweni Zokuphoqelela Abangaqhudelani Nabasebenzi Abadiliziwe:** Izifundazwe eziningi zase-US (okuhlanganisa **California, Minnesota, North Dakota, Oklahoma** lapho abangancintisani bavinjelwa ngokuphelele, kanye ne-**Massachusetts, Washington, Illinois, New York, ne-Nevada** evimbela noma ekhawulela ukuphoqelelwa kwezisebenzi ngaphandle kwesizathu sokuncintisana) izigatshana ngemva kokudilizwa noma ukuvalwa.
Imithombo ihloliwe¶
- Izinkantolo Zase-United States & Nekhodi Yokuqothuka Yase-U.S.: 11 U.S.C. § 507(a)(4) & (a)(5) Inkokhelo Ebalulekile Nezimangalo Zenzuzo kanye Nefomu Lokuqothuka Elisemthethweni 410 (Ubufakazi Besimangalo) Iziyalezo.
- Umnyango Wezabasebenzi Wase-United States (i-DOL): Ishidi Leqiniso Lesigaba Somholo Nehora (WHD) #70 (I-FLSA Protections on Furloughs, Pay, kanye Nesikweletu Sesikhulu), Isiqondiso SokuPhathwa Kwezinzuzo Zabasebenzi (EBSA) Ngokubhekana Nokuqothuka Komqashi (401(k) kanye Ne-COBRA/ACA Ukubhaliswa Okukhethekile kanye Nokubhalisa Kabusha WARNK Ukubhaliswa Okukhethekile) Yenza (
29 U.S.C. § 2101). - I-United Kingdom Insolvency Service (GOV.UK): Amalungelo Akho Uma Umqashi Wakho Engakwazi Ukuzikhokhela (Isevisi Yezinkokhelo Zokungadingeki
CNIzicelo Eziyisethenjwa Zemiholo Engakhokhiwe, Inkokhelo Yamaholide, Nenkokhelo Yesaziso). - Ukufaneleka Kokuqashwa Nokuthuthukiswa Komphakathi E-Canada (ESDC) kanye Nomnyango Wokuqashwa Nobudlelwano Bendawo Yomsebenzi wase-Australia (DEWR): Ukufaneleka Kohlelo Lokuvikela Umholo (WEPP) kanye Nemihlahlandlela ye-Australian Fair Entitlements Guarantee (FEG).
- I-United States Copyright Office & Freelancers Union / New York Department of Labor: Isekhula 30: Imisebenzi Yenzelwe Ukuqashwa (
17 U.S.C. § 101), Ukunikeza I-Conditioning Ye-copyright Ekukhokheni Okugcwele, kanye Nomthetho Ozimele Akukona Wamahhala.
Iziqondiso ezihlobene¶
- Ukuphepha komsebenzi okude kwesimo esiphuthumayo nobumfihlo bedatha
- Ikhompuyutha ephathekayo ephathekayo yebiwe noma yephulwe ngenkathi kuhanjwa: Ilokhi ye-MDM kanye nokutholwa kwe-zero-downtime
- Ukuputshuka kokwabelana kwesikrini ngengozi kwedatha eyimfihlo noma isigameko se-hot-mic
- Ukuphela kokukhiqiza ngengozi, okhiye abaputshuziwe be-API, noma ingqalasizinda yamafu esusiwe
- Ukukhipha kanye nokususa umsebenzi okude
- Izinombolo eziphuthumayo