Employees who are owed wages and other employment termination benefits by their insolvent employers may apply to the fund for ex gratia payment. 雇员在雇主无能力支付欠薪和其他解雇金时,可向破产欠薪保障基金申请发放特惠款项。
Many of their practices are worth our attention and careful study such as their perception to claims settlement, management model, services and their application of "ex gratia payment", their adjusters system and the establishment of insurance Claims Complaint Bureau. 他们对理赔的辨证认识、管理模式、服务,对通融赔款权的使用考虑、公估人制度以及成立保险索偿投诉局等多个方面都值得我们学习和借鉴。