Thola Izigidi Zokulimala Kokukhubazeka Okuhlobene Nezingozi

Izimangalo zokulimala komuntu zivela lapho othile elimele noma ebulawa ngenxa yobudedengu noma izenzo ezingalungile zomunye umuntu. Isinxephezelo singasiza ukukhokhela izikweletu zezokwelapha, imali engenayo elahlekile, nezinye izindleko ezihlobene nengozi. Ukulimala ezingozini kuvame ukuholela ezicelweni zesinxephezelo eziphezulu ngoba imithelela ingaba mibi kakhulu futhi iguqule impilo. Izinto ezinjengokukhubazeka unomphela kanye nezindleko zokwelashwa eziphezulu zenyusa amanani ezicelo.

Izinhlobo Zezingozi Ezivame Ukuholela Ezimangalweni Zenani Eliphezulu

Ezinye zezingozi ezivame kakhulu eziholela ekufuneni isinxephezelo esikhulu zihlanganisa:

Izingozi Zezimoto

Imoto, isithuthuthu, iloli, nezinye izingozi zezimoto kuvame ukubangela ukulimala okubi okufana nalokhu:

  • Umonakalo wobunjongo
  • ukukhubazeka
  • Ukulahlekelwa yizitho zomzimba
  • Ukuhlala isikhathi eside esibhedlela

Lokhu kudinga ukwelashwa okubanzi nokuvuselelwa, okukhuphula izindleko. Futhi ukukhubazeka okuvela kulokhu kulimala okuyinhlekelele kungaba nomthelela unomphela emandleni okuzuza.

“Ikhasimende lethu lilimale umgogodla ngemuva kokushayisana ikhanda. Izikweletu zakhe zezokwelapha nemali elahlekile izofinyelela ezigidini zamaRandi phakathi nokuphila kwakhe.” - Ummeli Wokulimala Komuntu siqu

Izingozi Zasemsebenzini

Izinto ezisetshenziswayo eziyingozi kanye nokuqeqeshwa okunganele noma izinto zokuphepha kuvame ukudlala indima ezingozini zasemsebenzini. Ukulimala kanzima kungase kuvimbele abasebenzi ukuthi babuyele emisebenzini yabo yangaphambili.

  • Ukuthunjwa
  • Shisa ukulimala
  • Head ukuhlukumezeka

“Sithole u-$5 million umakhi owawela izitezi ezintathu ngesikhathi ihhanisi lakhe lihluleka. Ukulimala kwakhe kwaqeda umsebenzi wakhe weminyaka engu-20.” - Ummeli Wezinxephezelo Zabasebenzi

Izingozi zokushelela nokuwa

Izingozi zokushelela nokuwa zivame ukubangela ukuphuka, ukulimala ekhanda, nokulimala emhlane - ikakhulukazi uma izimo eziyingozi zikhona ngaphandle kokuhlolwa ezindaweni zomphakathi.

  • Ukulimala okubuhlungu kwengqondo
  • Ukulimala komgogodla
  • Ama-Hip fractures

“Ikhasimende lethu elineminyaka engu-85 laphuka inqulu ngesikhathi lishibilika endaweni emanzi kungekho zimpawu eziyisixwayiso. Ukulimala kwakhe kuthinta ukuhamba kwakhe nokuzimela.” - Ummeli Wesibopho Sezakhiwo

Medical kwamacala

Amaphutha odokotela kanye nokunganaki kuvame ukuholela iziguli ekuthatheni izinyathelo zomthetho. Ukulimala okukhulu kuhlanganisa:

  • Ukulimala ngesikhathi sokuzalwa
  • Amaphutha okuhlinzwa abangela ubumpumputhe noma izifo
  • Ukuxilongwa okungalungile okuvumela izifo ukuthi ziqhubeke

“Ubufakazi bukhombisa ilebhu ye-pathology yaxuba imiphumela ye-biopsy yeklayenti lethu, yabambezela ukutholwa komdlavuza ngonyaka. Ngaleso sikhathi kwase kuyi-Stage 4.” - Ummeli Wokungalungi Kwezokwelapha


Izinto Ezibalulekile Ezikhuphula Amanani Okufunwa Kokulimala Komuntu Siqu

Kunezici ezimbalwa ezibalulekile ezibangela amanani esimangalo esinxephezelo aphezulu:

  • Uhlobo nobukhulu bokulimala - Ukukhubazeka unomphela noma ukulimala okuthinta ikhwalithi yempilo kugunyaza inkokhelo ephezulu yobuhlungu nokuhlupheka. Ukulimala kwesikhashana ngokuvamile kuletha ukuxazululwa okuncane.
  • Isidingo sokwelashwa okuqhubekayo – Ukuhlinzwa okwengeziwe, imithi, kanye nokwelashwa esikhathini sokuphila konke kwandisa isinxephezelo.
  • Ukulahlekelwa kokuhamba - Ukungakwazi ukwenza imisebenzi evamile yomzimba ngenxa yokulimala kukhulisa izimangalo.
  • Imithelela yengqondo - I-post-traumatic stress disorder, ukucindezeleka, nokukhathazeka okubangelwa izingozi kungase kufune isinxephezelo esengeziwe.
  • Ukulahlekelwa yimali engenayo namandla okuzuza – Uma umuntu ehola kakhulu futhi engakwazi ukubuyela emsebenzini wakhe wangaphambili, kulapho athola khona ukuhlala phezulu.
  • Izindawo zokuhlala zabakhubazekile - Ukulungiswa kwekhaya/imoto kanye nemishini yokusiza yokukhubazeka nakho kunomthelela.

Inqubo yezimangalo ibandakanya ukufakazela isikweletu kanye nokubhala ngomonakalo. Abameli abanekhono baxoxisana ngezivumelwano eziphakeme, okungukuthi ukuthi izicelo zokulimala zisebenza kanjani.

“Ukulimala kobuchopho kwesisulu kudinga ukunakekelwa ubusuku nemini. Sizofuna amademeshe ngezikweletu zezokwelapha, amaholo alahlekile, nabasizi bezempilo basekhaya.” - Ifemu Yomthetho Wokulimala Komuntu Siqu


Ukuthola Isinxephezelo Sengozi Egcwele Nengafanelekile

Ukuze bathole isinxephezelo esifanele, izisulu zezingozi kufanele:

  • Landelela konke ukulahlekelwa okuvela engozini - Gcina amarekhodi ahlelekile anemininingwane yezikweletu zezokwelapha, amaholo alahlekile, nezilinganiso zomonakalo wempahla.
  • Gcina ochwepheshe ukufakazela ukukhubazeka kwesikhathi esizayo - Ochwepheshe bezokwelapha bangafakaza mayelana nokulandelana kwezimo zempilo kanye nokukhubazeka okuhlala njalo.
  • Qasha ummeli wokulimala komuntu onesipiliyoni - Ubuchwepheshe bezomthetho bukhulisa inani lesimangalo esingaba khona ngokusekelwe ekulahlekelweni kanye nesandulela.
  • Cabangela ngokucophelela ukunikezwa kokukhokhelwa ngaphambi kokwamukela – Ummeli angeluleka uma isinxephezelo sikhokhela zonke izindleko zamanje nezesikhathi esizayo ezihlobene nezingozi.
  • Lungiselela ukuya enkantolo uma kudingeka – Uma kungafinyelelwa esivumelwaneni esifanele, ukumelwa okuqinile enkantolo kungase kuthole isinxephezelo esigcwele.

“Ukuba nommeli onolaka kungenze ngathola isinxephezelo esingagcini nje ngokukhokhela zonke izikweletu zami zokwelashwa, kodwa futhi sithatha indawo ka-75% womholo wami ngize ngibuyele emsebenzini.” - Isisulu Sengozi Yemoto


Mayelana nama-Amal Khamis Advocates and Solicitors

  • Abameli baka-Amal Khamis kanye Nomeluleki Wezomthetho sebephelile Iminyaka engu-75 yokuhlangenwe nakho kwezomthetho okuhlangene ukusiza izisulu zokulimala kwengozi kulo lonke elase-UAE.
  • Ithimba lethu le abameli abaqeqeshwe kakhulu bazuze izigidi zezicelo zesinxephezelo kumakhasimende athintwe kakhulu izingozi.
  • We hlola ngokugcwele izimo eziyingqayizivele zecala lakho ukwakha izimpikiswano eziqinile ezigunyaza umonakalo omkhulu.
  • Our ithimba elinakekelayo linikeza isiqondiso nokwelulekwa komuntu siqu phakathi nenqubo yezimangalo ukuze uvikele izintshisekelo zakho ezinhle.
  • Sinolwazi oluthile nge imoto, ubudedengu bezokwelapha, kanye nezicelo zezingozi zasemsebenzini.
  • Sisebenza ngemali encane yangaphambili kanye nephesenti elincane uma isicelo sakho siphumelele.
  • Eminyakeni edlule siye sagcina i izinga lempumelelo elimangalisayo lokuyisa amacala enkantolo lapho ukuxazululwa kahle kungafinyelelwanga.

“Abameli babameli baka-Amal Khamis babemangalisa. Bangilwela ngokungaphezi enkantolo futhi bathola isinxephezelo esikhulu esihlinzekela izidingo zezimali zomkhaya wami zesikhathi esizayo.” - Iklayenti Langaphambili


imibuzo ejwayelekile ukubuzwa

Yiziphi izingozi ezivamile eziholela esinxephezelweni esikhulu?

Izingozi ezivame kakhulu eziholela ezicelweni zokulimala kwenani eliphakeme zihlanganisa ukushayisana kwezimoto, izingozi eziyingozi zasemsebenzini, izigameko zokushelela nokuwa ezindaweni zomphakathi, namaphutha ezokwelapha.

Yiziphi izindleko ezingase zihlanganiselwe izimangalo zesinxephezelo?

Isinxephezelo singahlinzeka ngezindleko zezokwelapha, izindleko zokuvuselela, imali engenayo elahlekile, ukwehla kwamandla okuthola imali esikhathini esizayo, ukulinyazwa kwempahla, ukuguqulwa kokukhubazeka, nokunye.

Ngingalinyusa kanjani inani lesimangalo sami sesinxephezelo?

Ukugcina amarekhodi aphelele, ukuqasha ochwepheshe bezokwelapha, ukugcina ummeli wokulimala komuntu onolwazi, kanye nokulungela ukuthatha izinyathelo zomthetho uma kudingeka kuzosiza ukukhulisa umonakalo ongase ube khona wesicelo.

Yini enganciphisa isinxephezelo engisitholayo?

Ukuba nephutha ngokwengxenye ngale ngozi, ukuba nezinkinga zezokwelapha ezivele zikhona, ukwehluleka ukubhala ngokugcwele ukulahlekelwa, nokwamukela izithembiso zokukhokhelwa ngaphambi kwesikhathi kungase kwehlise inani lesicelo.

Ingakanani isinxephezelo engingayilindela ngokunengqondo?

Amanani esinxephezelo ayahluka kakhulu kuye ngezimo zecala. Ummeli angahlola isimo sakho esiyingqayizivele futhi akweluleke ngomonakalo ofanele ongawenza.


Ngosizo Lomthetho Ngesimangalo Sakho Sokulimala Kwakho

Abameli abazinikele ku Abameli be-Amal Khamis babe nomlando oqinile wempumelelo ekutholeni isinxephezelo esifanele kumakhasimende athintwe kanzima izingozi ezidalwe ubudedengu bamanye amaqembu. Sisebenza ngaphandle kokuwina/akukho nkokhelo futhi sihlala sitholakala ukuze kuboniswane nasekuqaleni ukuze sixoxisane ngesimangalo sakho futhi siphendule noma yimiphi imibuzo ongase ube nayo.

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