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鈪�.鏍稿績瀛哥繏锛欳laiming Compensation 鐢宠珛瑁滃劅

Michael: The Human Resources officer was looking for you this morning.

閭佸厠鐖撅細浠婂ぉ鏃╀笂浜哄姏璩囨簮閮ㄧ殑瀹樺摗鍦ㄦ壘浣�銆�

Billy: Thanks, Michael. I just saw her in her office.

姣斿埄锛氳瑵璎�锛岄倎鍏嬬埦銆傛垜鍓涘幓浜嗗ス鐨勮睛鍏銆�

Michael: What did she want? Are you getting a raise or the sack?

閭佸厠鐖撅細濂规兂瑕佸共浠€涔�?鎻愭嫈浣犻倓鏄В闆囦綘?

Billy: Neither! She wanted me to sign some worker's compensation forms.

姣斿埄锛氶兘涓嶆槸!濂硅鎴戝湪涓€浜涘伐鍌疯鍎熻〃涓婄敖瀛�銆�

Michael: What is worker's compensation?

閭佸厠鐖撅細浠€涔堟槸宸ュ偡瑁滃劅?

Billy: Well, if you are injured during work time, the company will pay all of your medical costs.

姣斿埄锛氬ぇ澶氭暩(sh霉)鍏徃(绲﹀伐浜�)涓婂伐鍌疯鍎熼毆锛屼互姝や締淇濊闆囧摗銆�

Michael: Does the company actually pay or do they have some sort of insurance?

閭佸厠鐖撅細鍏徃纰哄鏀粯鍡�锛岄倓鏄粬鍊戞湁鏌愮ó淇濋毆?

Billy: Most companies have workers compensation insurance to protect their employees.

姣斿埄锛氬ぇ澶氭暩(sh霉)鍏徃(绲﹀伐浜�)涓婂伐鍌疯鍎熼毆锛屼互姝や締淇濊闆囧摗銆�

Michael: That sounds like a very sensible idea.

閭佸厠鐖撅細鑱借捣渚嗗儚鏄€嬪緢鏄庢櫤鐨勪富鎰�銆�

鈪�.鍠绨℃瀽

1) Worker's Compensation: special insurance that pay employees medical bills if they are injured at work

宸ュ偡瑁滃劅锛氭敮浠橀泧鍝″伐鍌烽啱(y墨)鐧傝不鐨勭壒娈婁繚闅�

2) Injured: hurt, break or impair

鍙楀偡鐨�锛屽彈鎼嶅鐨勶細鍙楀偡銆佺牬瑁傛垨鑰呭墛寮�

ex:When I beat my friend at basketball, he said that he did not play well because he was injured - but I think it was because my skills are better than his.

鎴戞墦绫冪悆鎵撴晽浜嗘垜鐨勬湅鍙�锛屼粬瑾粬鎵撳緱涓嶅ソ鏄洜鐐轰粬鍙楀偡浜�-涓嶉亷鎴戣寰楅偅鏄洜鐐烘垜鎵撳緱姣斾粬濂�銆�

3) Disabled: someone less physically or mentally able than the average

鍌锋畼鐨勶細韬珨鎴栬€呮櫤鍔涙瘮鏅€氫汉寮辩殑浜�

ex:Directly after the Olympic Games every four years are the Special Olympics for disabled people.

绻煎ェ閬嬫渻涔嬪悗锛屾瘡鍥涘勾灏辩偤娈樼柧浜鸿垑杈︿竴娆＄壒濂ф渻銆�

鈪�.瑾叉枃绡�

Workers' compensation is the oldest social insurance program; it was adopted in most states, including California, during the second decade of last century. It is a no-fault system, meaning that injured employees need not prove the injury was someone else's fault in order to receive benefits for an on-the-job injury.

宸ュ偡瑁滃劅鏄渶鍙よ€佺殑绀炬渻淇濋毆;瀹冧簬涓婂€嬩笘绱€浜屽崄骞翠唬鏈熼枔琚ぇ澶氭暩(sh霉)宸炴墍閲囩敤锛屽寘鎷姞鍒╃灏间簽銆傚畠鏄竴绋劇閬庨尟鍒跺害锛屾寚鐨勬槸鍙楀偡鐨勯泧鍝＄劇闋堢偤浜嗗緱鍒板伐鍌疯鍎熻€岃璀夋槑鍙楀偡鏄叾浠栦汉鐨勯亷閷�銆�

Workers' Compensation laws are designed to ensure that employees who are injured or disabled on the job are provided with monetary awards, eliminating the need for people to go to court to fight for justice.

宸ュ偡瑁滃劅娉曠珛瓒充簬淇濊瓑鍥犲伐鍙楀偡鎴栬€呰嚧娈樼殑闆囧摗寰楀埌閲戦將鏂归潰鐨勮碃鍎�锛屾帓闄や汉鍊戜笂娉曞涵鍘昏◣鍏亾鐨勫繀瑕�銆�

The laws also provide benefits for dependents of those workers who are killed because of work-related accidents or illnesses.

娉曞緥閭勮(gu墨)瀹氱偤閭ｄ簺姝讳簬宸ヤ綔鐩搁棞浜嬫晠鎴栬€呯柧鐥呯殑宸ヤ汉鐨勫灞彁渚涙挮鎭ら噾銆�

Worker's Compensation is a sound business practice. Employers receive the assurance they will not be sued for damages, medical care and lost wages if their employees get injured while working.

宸ュ偡瑁滃劅鏄緢鍋ュ叏鐨勫晢妤�(y猫)瀵﹀嫏銆傞泧涓诲緱鍒颁繚璀変粬鍊戜笉鏈冨洜闆囧摗鍦ㄥ伐浣滀腑鍙楀偡寮曠櫦(f膩)鐨勬悕澹�銆侀啱(y墨)鐧傝不鐢ㄤ互鍙婂伐璩囨悕澶辫€岄伃鍒拌捣瑷�銆�

If employees get hurt on the job, employers can direct them to the workers compensation system for quality medical and prompt payment of benefits and an early return to work.

濡傛灉闆囧摗鍦ㄥ伐浣滀腑鍙楀偡锛岄泧涓诲彲浠ュ皣浠栧€戣綁鍒板伐鍌疯鍎熷埗搴�锛屼娇浠栧€戝緱鍒拌壇濂界殑娌荤檪銆佸嵆鏅傚緱鍒拌鍎�锛屽苟鏃╅粸杩斿洖宸ヤ綔宕椾綅銆�

Injured workers are entitled to receive all medical care required to cure or relieve the effects of the injury. They are not required to make co-payments as the insurance will cover all of the bills.

鍙楀偡鐨勫伐浜烘噳瑭插緱鍒版不鎰堟垨鑰呮笡杓曞偡鐥涙墍蹇呰鐨勪竴鍒囬啱(y墨)鐧傝鐞�銆備粬鍊戠劇闋堟敮浠橀儴鍒嗛啱(y墨)鐧傝不锛屽洜鐐轰繚闅兜钃嬩簡鎵€鏈夌殑璨荤敤銆�

For workers who are unable to return to work within three days, they are usually entitled to temporary disability benefits to replace wages lost as a result of the injury. The benefits are generally designed to replace two-thirds of the lost wages.

灏嶄簬閭ｄ簺鍦ㄤ笁澶╀箣鍏�(n猫i)鐒℃硶鍥炰締宸ヤ綔鐨勫伐浜猴紝浠栧€戦€�?锛熸ⅱ缂樼帿缍嶇俺r鎬ф畼鐤捐鍎燂紝浠ュ綄瑁滃洜鍙楀偡鑰屽紩璧风殑宸ヨ硣鎼嶅け銆傝鍎熼噾涓€鑸槸鎼嶅け宸ヨ硣鐨勪笁鍒嗕箣浜�銆�

Injured workers who are permanently disabled -- those who have a permanent labor market handicap -- are entitled to receive permanent disability benefits. A worker who is determined to have a permanent total disability receives the temporary disability benefit for the rest of their life.

姘镐箙鎬ф畼鐤剧殑宸ヤ汉-閭ｄ簺鏈夋案涔呮€у嫗鍕欏競鍫寸己闄风殑浜�-鍙互寰楀埌姘镐箙鎬ф畼鐤捐鍎熴€傝瀹氱偤姘镐箙鎬у畬鍏ㄦ畼鐤剧殑浜哄湪浠栧€戠殑浣欑敓閲屽緱鍒拌嚚鏅傛€ф畼鐤捐鍎�銆�

Injured workers who are unable to return to their former type of work are entitled to re-training to help them return to suitable employment. This includes the development of a suitable plan, the cost of any training, and a maintenance allowance while participating in rehabilitation.

鐒℃硶鍥炲埌鍘熶締宸ヤ綔宕椾綅鐨勫彈鍌峰伐浜烘噳瑭插緱鍒板啀鍩硅〒锛屽公鍔╀粬鍊戣繑鍥炲悎閬╃殑鑱锋キ(y猫)銆傞€欏寘鎷仛鍑轰竴鍊嬮仼瀹滅殑瑷堝妰銆佸煿瑷撶殑璨荤敤浠ュ強鍦ㄥ弮鑸囧啀灏辨キ(y猫)鏅傜殑鐢熸椿璨昏璨�銆�

In the very unfortunate event that a worker is killed while working, reasonable burial expenses are paid and the worker's dependents may receive support payments for a period of time.

寰堜笉骞哥殑涓€绋儏娉佹槸宸ヤ汉鍦ㄥ伐浣滀腑姝讳簡锛�(鏈夐棞閮ㄩ杸)灏囨敮浠橀仼鐣�?sh霉)闄岃媿璞矼鐢�锛岃€屼笖宸ヤ汉鐨勫灞彲鑳藉湪涓€娈垫檪闁撳収(n猫i)寰楀埌璐嶉(y菐ng)璨荤敤銆�

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