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jha;tPL


• etk;gu;


2011 thOk; nghOJ gad;ngWk; fhg;GWjp


thOk; nghOJ gad; ngwf;$ba fhg;GWjpj; jpl;lq;fSk; mtw;wpd; mtrpaKk; (Living Benefits):


thOk; nghOJ gad; ngwf;$ba fhg;G Wjpj; jpl;lq;fs;:- 





nfhba Neha;fSf;fhd fhg;GWjp (Critical Illnesses)


kUj;Jtj; NjitfSf;Fk; gy; rpfpr; irfSf;Fkhd fhg;GWjp (Health & Dental Plans)


 gpuahzf; fhg;GWjp (Travel Insurance) 





,ayhikf;fhd fhg;GWjp (Disability Insurance)


ePz;l fhy guhkupg;Gf;fhd fhg;GWjp (Long Term care Insurance)


Nkw;Fwpg;gpl;l rpy thOk; nghOJ gad; ngwf;$ba fhg;GWjpj; jpl;lq;fis jdpg;gl;l jpl;lq;fshf> my;yJ xU MAl; fhg;GWjpj; jpl;lj;Jld; ,ize;j jpl;lq; fshfg; ngw;Wf; nfhs;sKbAk;. fhg;GWjp ngw;Wf; nfhs;Sk; nghOJ vy;NyhUk; MAl; fhg;GWjp kl;LNk mtrpak; vdf; fUJtJz;L. xUtupd; mbg;gilj; Njit fisg; guprPyid nra;J ghu;j;jhy; ,ayh ikf;fhd fhg;GWjpAk; xU mtrpakhd fhg;GWjpahNt fUjg;gLfpd;wJ.


,ayhikahy; Vw;gLk; nghUshjhug; ghjpg;gpdhy; gyUk; ghjpf;fg;gLfpd;wdu;. vq;fSf;Fj; njupe;j xUtuhtJ Neha;f shy; my;yJ tpgj;Jf;fshy; ghjpf;fg;gl;L nghUshjhug; ghjpg;gile;jpUg;gjidf; fhzf;$bajhf ,Uf;fpd;wJ. tpgj;Jf;f shy; my;yJ Neha;tha;g;gl;L Ntiy nra;a Kbahj epiy Vw;gLk; nghOJ vjpu;Nehf;Fk; tUkhd ,og;igg; ghJfhg; gjw;fhd fhg;GWjpj; jpl;lkhf ,ayhikf; fhd fhg;GWjpj; jpl;lk; mikfpd;wJ.


ngUk;ghyhd kf;fspd; ehshe;j tho;f; ifr; nryTfs; kw;Wk; Nrkpg;Gj;jpl;lq;fs; Nghd;wit mtu;fspd; tUkhdj;jpy; jq;fp apUg;gjid mtjhdpf;f KbAk;. ePz;l fhyj;Jf;F xUtupd; tUkhdk; jilg; gl;lhy; mtu;fSf;Fg; nghUshjhu uPjp- apyhd ghjpg;G Vw;gLtJ kl;Lky;yhky; mtu;fspd; nrhj;Jf;fisAk; ghJfhf;f Kbahj epiy Vw;glyhk;.


,g;gbahd epjpg;gw;whf;FiwahdJ Fiwe;j tUkhdk; ngWgtu;fSf;F kl;Lky;yhky; mjpf tUkhdk; ngWgtu;fs;> kw;Wk; cau; gjtpfis tfpg;gtu;fs; vd vy;NyhUf;Fk; Vw;glyhk;. mj;Jld; mjpf tUkhdk; ngWgtu;fspd; khjhe;j nryTfs; kw;Wk; fld;fs; rhjhuz tUkhdk; ngWgtu;fis tpl mjpfkhf ,Ug;gjidAk; mtjh- dpf;f KbAk;.


tpgj;Jf;fs; my;yJ Neha;fshy; Vw;gLk; ,ayhikahdJ xUtUf;Fj; jpBnud Vw;gLk; nghOJ mtupd; tho;f;ifj;juj; jpid my;yJ tho;f;iff;fhd nryTf is cldbahf khw;wKbahJ. xUtUf;F Vw;gLk; jpBu; tUkhdj;jilapdhy; mtu; fspd; %jyPLfs;> trpf;Fk; tPL> kw;Wk; Foe;ijfspd; fy;tpf;fhd nryTfs; Nghd;w tplaq;fs; jilg;glhky; ,Ug;g


jw;F ,ayhikf;fhd fhg;GWjp mtrpa khFk;.


xUtupd; ciog;ghy; fpilf;ff; $ba tUkhdNk mtupd; KjyPLfisg;


ghJ


fhg;gjw;fhd mbg;gil %yjdkhFk;. xt;nthUtupd; ciog;gpd; %yk; jhd; xt;nthU FLk;gKk; mtu;fspd; KjyPl; il mjpfupf;f KbAk;. cjhuzkhf> vq;fspy; gyUf;F ehq;fs; trpf;Fk; tPL xU ngupa KjyPlhFk;. ,j;jifa ngupa KjyPl;ilg; ghJfhg;gjw;F me;jf; FLk; gj;jpdupd; tUkhdk; Kf;fpakhfj; Njitg; gLfpd;wJ vdNt xUtupd; tUkhdj; ijg; ghJfhg;gjw;Fk;> mt; tUkhdk; jilg;glhky; ,Ug;gjw;Fk;> ,ayhikf; fhd fhg;GWjpj; jpl;lk; kpfTk; mtrpa khfpd;wJ.


xU FLk;gj;jpy; fztd; kw;Wk; kidtp vd ,UtUk; gzpGupgtu;fshf ,Uf;f yhk; my;yJ xUtu; kl;Lk; gzpGupgt uhfTk; kw;wtu; mtu;fspd; FLk;gj;jpd; tPl;Lg; guhkupg;G kw;Wk; mtu;fspd; Foe; ijfspd; guhkupg;G Nghd;w Ntiyfspy; <LgLgtuhfTk;


mj;Jld; thuhe;jk; 447 nlhyu;fSf;F mjpfkhfTk; ngw;Wf; nfhs;s KbahJ.


,ayhikf;fhd fdba Xa;T+jpaj; jpl;lk;


(Canada Pension Plan disability): ,j;jpl;lkhdJ xUtUf;F ,ayhik Vw; gLk;nghOJ xU Fwpg;gpl;l njhifg; gzj;ijf; fhg;GWjpahf toq;Ffpd;wJ. ,j;jpl;lj;jpd; %yk; gad; ngWgtu;fs; mjpFiwe;jJ 18 taJf;Fk; mjp$baJ 65 taJf;Fk; ,ilg;gl;ltu;fshf ,Uj;jy; Ntz;Lk;. ,j; jpl;lj;jpd; %yk; gad; ngW tjw;F xUtUf;F Vw;gLk; ,ayhikah dJ kpfTk; ePz;l fhyg;ghjpg;gpidf; nfhz;ljhfTk;> kpfTk; nfhbajhfTk; ,Uf;f Ntz;Lk;. ghjpf;fg;gl;ltu; ,j;jpl; lj;jpd; %yk; gyidg; ngWtjw;fhd tpz;zg;gg; gj;jpuq;fs; kpfTk; tpupthd jfty;fSlDk; kUj;Jtupd; cjtpAl Dk;


,Uf;fyhk;. ,tu;fspy;


fhg;GWjpapd; Njit ahUf;F mtrpa nkd;W ghu;j;jhy;> ,ayhikf;fhd fhg; GWjpNah my;yJ NtW vt;tifahd fhg;GWjpNah ,UtUf;FNk mtrpak; vd;W jhd; $wNtz;Lk;. Vnddpy; xUtUf;F ,ayhik Vw;gLk; nghOJ mLj;jtupd; Ntiyr; Rikfs; mjpfupf;Fk;. jkJ tPl;L Ntiyfs;> Foe;ijfspd; guhkupg;Gfis ftdpf;Fk; FLk;g mq;fj;jtUf;F ,a yhik Vw;gl;bd; mjdhy; Vw;gLk; ghjpg; ghdJ gy klq;fhf Ntiy nra;J gzk; rk;ghjpf;Fk; FLk;g mq;fj;jtiug; ghjpf; Fk;. vt;thnwdpy;> mtu; Ntiyf;Fg; Nghf Kbahj epiy Vw;glyhk; my;yJ Foe; ijfisg; guhkupg;gjw;Fk;> tPl;L Ntiy fis ghu;g;gjw;Fk; Njitg;gLk; gzr; nryTfs; mjpfupf;fyhk;.


xUtUf;F ,ayhik Vw;gLk; NghJ murhq;fj;jplk; ,Ue;J fpilf;ff; $ba tUkhdq;fs; my;yJ cjtpfs;:- 


rpwPjud; Jiuuh[h - MAl; fhg;GWjp Kftu; -


fg;gLfpd;wJ. ,e;jj; jpl;lj;jpy; gzpah- snuhUtu; gq;Fgw;Wtjw;Ff; Fwpg;gpl;l rpy jfikfisg; ngw;wpUf;fNtz;Lk;. cjhuzkhf KONeu Ntiy nra;gt uhf ,Uj;jy; Ntz;Lk;. NkYk; gzpahsu; xUtu; Ntiyapy; Nru;j;J 30 ehl;fspd; gpd;dNu ,j;jpl;lj;jpy; ,ize;J nfhs;s KbAk;.


G+u;j;jp nra;ag;gl Ntz;b ,Uf;Fk;.


,jw;fhd tpz;zg;gg;gbtj;jpid mq;fP fupg;gjw;F 3 njhlf;fk; 6 khj fhyq;fs; Njitg;gLk;. tpz;zg;gk; mq;fPfupf;fg; gl;L 4tJ khjj;jpy; ,Ue;J mtu;fspd; gzk; toq;fg;gLk;. ,ayhik Vw;gl;l ehspy; ,Ue;J mq;fPfupf;fg;gl;l ehs; tiu apyhd tUkhdk; KOtJk; nkhj;jkhf toq;fg;gLk;. ,j;jpl;lj;jpd; gyid ghjpf; fg;gl;l egu; Mff;$baJ 12 khjfhyq; fSf;Fg; ngw;Wf; nfhs;s KbAk;.


Ntiy nra;Ak; ,lj;jpy; Vw;gLk; tpgj;Jf;fSf;fhd fhg;GWjp (Worker’s Compensation Program)


xUtUf;F Ntiy nra;Ak; NghJ tpgj; Jf;fs; Vw;gl;lhy; ,e;jf; fhg;GWjpj;


jpl;


lj;jpd; %yk; gad; ngwKbAk;. ,e;jj; jpl;lk; fdlhtpd; khfhz murpdhy; epu; tfpf;fg;gLfpd;wJ. ,e;jj; jpl;lj;jpw;fhd khjhe;jf; fl;lzk; Ntiy toq;Fgtup dhy; KOikahfr; nrYj;jg;gl Ntz;Lk;.


Ntiy nra;gtu;fSf;fhd fhg;GWjp –EI (Employment Insurance)


Ntiy nra;gtu;fSf;fhd fhg;GWjpj;jpl;l khdJ kj;jpa murpdhy; epu;tfpf;fg;gLk; xU fhg;GWjpj; jpl;lkhFk;. ,e;j jpl;lj; jpy; xUtUf;F tpgj;J my;yJ Neha; Vw;gl;lhy; xU Fwpg;gpl;l msT ghJfhg;G ghjpf;fg;gl;l egUf;F toq;fg;gLk;. ,j; jpl;lj;jpw;fhd khjhe;jf; fl;lzkhdJ Ntiy toq;FgtupdhYk; Ntiy nra;g tupdhYk; gq;fpl;Lr; nrYj;jg;gLk;.


tpgj;Jf;Fs;shfp my;yJ Neha;tha;g;gl;L Ntiy nra;a Kbahj epiy Vw;gl;lhy; ,e;jf; fhg;GWjpiag; ngwKbAk;. ,j; jpl;lj;jpd; gyidg; ngWtjw;F xUtu; fle;j 52 thuq;fspy; Mff; Fiwe;jJ 600kzpj;jpahyq;fs; Ntiy nra;jpUf;f Ntz;Lk;.


xUtupd; tUkhdj;jpd; 55% tfpjj;jpid kl;LNk xUtu; ,j;jpl;lj;jpd; %yk; tUkhdkhfg; ngw;Wf; nfhs;s KbAk;


,e;j jpl;lj;jpdhy; fpilf;Fk; tUkhd khdJ khfhzj;Jf;F khfhzk; NtWg Lk;. xd;uhupNah khfhzj;jpy; trpf;Fk; xUtupd; tUkhdj;jpd; 85%gyd; ngWk; njhifahfg; ngw;Wf; nfhs;s KbAk;. tpgj;J my;yJ Ntiy njhlu;ghd ghjpg; ghy; Vw;gLk; ,ayhikf;fhd gad;ngWk; mjp $ba njhifahf tUlhe;jk; 74>600 kl;LNk ghjpf;fg;gl;l egu; ngWf;nfhs;s KbAk;.


murhq;fj;jplkpUe;J my;yJ gzpGupAk; ,lj;jpypUe;J ngwf;$ba ,ayhikf;fhd fhg;GWjpahdJ gy fl;Lg;ghLfSf;fpilapy; xU Fwpg;gpl;l njhifia kl;LNk ,ayh ikf;fhd fhg;GWjpahfg; ngw;Wf;nfhs;- syhk;. ,tw;iwtpl Ntiy toq;Fk; epW tdq;fs; mq;F gzpGupgtu;fSf;F rpy ,ayhikf;fhd fhg;GWjpj; jpl;lq;fis> fhg;GWjp epWtdq;fspd; cjtpAld; toq;Ffpd;wJ. cjhuzkhf> ePz;l fhy ,ayhikf;fhd fhg;GWjpj; jpl;lk;> FWfpa fhy ,ayhikf;fhd fhg;GWjpj; jpl;lk; Nghd;wtw;iwf; Fwpg;gplyhk;. ,jw;fhd khjhe;jf; fl;lzk; KOikahf my;yJ 50% Ntiy toq;Fk; epWtdj;jhy; toq;


xUtu; fhg;GWjp epWtdj;jpy; ,Ue;J ,ayhikf;fhd fhg;GWjpj; jpl;lnkhd; wpidg; ngw;Wf; nfhs;tjw;F Kd;du;> murhq;fj;jplk; ,Ue;J mtu; ,ayhikf; fhfg; ngwf;$ba gyd;fs; kw;Wk; mtu; Ntiy nra;Ak; epWtdj;jpy; cs;s fhg; GWjpj; jpl;lq;fspy; ,Ue;J ngwf;$ba gyd;fs; vd;gtw;iwf; fUj;jpy; nfhs;s Ntz;Lk;.


,ayhikf;fhd fhg;GWjpj; jpl;lnkhd;wpidg; ngw;Wf;nfhs;Sk; NghJ


ftdpf;f Ntz;ba tplaq;fs;:- cq;fs; ,ayhikf;fhd fhg;GWjpj; jpl; lj;jpd; %yk; 65 taJ tiu ,ayhikf; fhd gyidg; ngw KbAkh?


,ayhikf;fhd fhg;GWjpj; jpl;lj;jpd; %yk; Neha;fs; kw;Wk; tpgj;Jf;fs; vd ,uz;bw;Fk; Vw;gLk; ,og;gPl;bw;fhd gy idg; ngw KbAkh?


rpy jpl;lq;fs; KOikahd ,ayhikf;F kl;LNk ,og;gPl;bw;fhd gyid toq;Fk;. rpy jpl;lq;fs; gFjpahd ,ayhikf;Fk; gad; toq;Fk;.


xUtUf;F ,ayhik Vw;gl;lTld; vt; tsT fhyjhkj;jpd; gpd;G gad; ngw KbAk; vd;gijf; ftdpf;f Ntz;Lk;.


xUtUf;F ,ayhik Vw;gl;l gpd;du; njhlu;e;J vt;tsT fhyq;fSf;F mtu; ,ayhikf;fhd fhg;GWjpapidg; ngw KbAk; vd;gijAk; ftdpf;f Ntz;Lk;. rpy ,ayhikf;fhd fhg;GWjpj; jpl;lq;f spd; gyid 1 tUlk; my;yJ 2 tUlq; fSf;F kl;LNk ngw KbAk;. rpy jpl;lq; fspy; 65 taJ tiu gyd; ngwKbAk;.


,ayhikf;fhd fhg;GWjpj;jpl;lq;fis fhg; GWjp epWtdq;fsplk; ,Ue;J ngw;Wf; nfhs;Sk; nghOJ; jpl;lq;fis gy njup TfSlDk; Fwpg;gpl;l rpy fl;Lg;ghLfS lDk; ngw;Wf;nfhs;s KbAk;. xUtupd; Ntiyapid my;yJ tUkhdj;jpid mbg;gilahff; nfhz;L ,j;jpl;lq;fs; toq;fg;gLfpd;wJ. xUtupd; Ntiy> mt upd; tUkhdk;> Ntiy nra;Ak; ,lk; vd;gd fUj;jpy; nfhs;sg;gl;Nl mtupd; fhg;GWjpf;fhd khjhe;jf; fl;Lg;gzk;> kw;Wk; vg;gbahd jpl;lk; vd;gd jPu;khdpf; fg;gLfpd;wJ.


sritharan.t@thaiveedu.com


• W´Õ>´ g•‚ ÔV©AÆ] • ÿÔVΩB ºÂVFÔ”¬ÔV™ ÔV©AÆ] • ~‚|¬Ô¶[ ÔV©AÆ]


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