Iintlobo pension ze pension karhulumente. yomhlalaphantsi minimum

Inkqubo ye pension yinkqubo karhulumente iyizinzise, nto leyo eye yakhula eminyakeni. Inkqubo Russian uqale ukukhula kwayo nje kutshanje, emva kokuba nguqulelo bathwalwa phandle. Oku kubonakala kwinto yokuba ukutshintsha inkqubo iintlawulo yokubala, ubungakanani babo ezandayo. Kukho inkqubo ocacileyo izibalo. Wonke umntu uya kungekudala ukuya eholideyini, yaye akakho umntu efuna ukufumana umhlalaphantsi ubuncinane, nto leyo eya kuba obungasifanelanga ngokucacileyo. Hayi ukuba unotshe umntu onolwazi, xa kufika ixesha lokuba umhlala, kufuneka uzame ukwazi yonke into kusengaphambili, ngoko kuya kuba lula ukuya eholideyini kunye nto yakuzixhalisa malunga.

Yintoni na ingqikelelo 'umhlala-phantsi "?

lungiselelo Pension - njengenyathelo okhethekileyo esithathwe ngurhulumente, nto leyo eyenza kube lula ukuba ukunceda abemi ngokwezimali neengxaki ezithile zempilo. Olu didi lungaquka abemi abakhubazekileyo abakhubazekileyo; Na abantwana abathe baswelekelwa abazali babo. Iintlawulo ekufuneka lwenziwe qho ngenyanga. Ukuze bakwazi ukuzoba umhlalaphantsi, kufuneka angenise amaxwebhu ayimfuneko eziya ukuqinisekisa isimo.

Zeziphi ezi ntlobo zahlukeneyo pension

abemi Ukunika engeka iindidi ezikhuselweyo ekuhlaleni ye pension phantsi komthetho lungohlulwa lube iintlobo ezimbini:

1. Retirement yomhlalaphantsi - ekhutshwe kwi ubudala, ukukhubazeka, kodwa kuphela xa ukonzakala yafunyanwa emsebenzini.
2. I-Pension loluntu ityala kumaqumrhu igunya likarhulumente, xa kukho abakhubazeke isegazini okanye lufundiwe, kukho ilahleko isalamane esisondeleyo wayesalusa abadala kunye nabakhubazekileyo, esifuna inkathalo ngendlela.

iinzuzo Pension kunye nokubekwa kwawo

Iintlobo pension ukuba ipension zombuso yahlulwa ngokwendidi ezintathu:

1. iintlawulo kaRhulumente. Phantsi kolu luvo kubhekisela iintlawulo ezenziwe ngemali evela mali yengingqi.
2. Inshorensi - oku uhlobo olunye umhlala ukuvelisa abemi insured. Umzekelo, kunokuba izalamane abakhubazekileyo abalahlekelwe umondli zabo.
3. ilungiselelo Enyuselwayo ubalisa ngakumbi inkqubo non-karhulumente, njengoko abemi ngqo bona umhlala, bafumane ukonyuselwa ukuba iintlawulo ngendlela. Kule meko kuyimfuneko ukugqiba isivumelwano kwangaphambili nge-mali ezizodwa, engeyiyo phantsi unonophelo karhulumente.

Yintoni i-inshorensi pension: ingqiqo

Iintlobo yepenshoni lwasentlalweni, obuziintlobo ezininzi, ngoko umele ugxininise ngamnye kubo ngabanye. -Inshorensi pension yintlawulo kanye ngenyanga. isimo sabo kuthethelela into yokuba ummi welo inshorensi ebanjwayo inshorensi eyenziwe imivuzo yabo kule ngxowa-mali. Olu hlobo umhlalaphantsi ihlawulwe abemi abaqeshwe, nkqu amava umsebenzi omncinci. Uya kukwazi ukuthatha umhlala kwabasetyhini 55 iminyaka, abantu kwiminyaka engama-60. Iintlawulo ezinjalo ziya kufakwa kuphela ukuba imiqathango zilandelayo:

1. Uthe yobudala sifikelelwe.
2. Kukho amava emsebenzini, kwaye ubuncinane iminyaka emithandathu umsebenzi kwishishini okanye umbutho.
3. Abarhola amanqaku. Inani labo kuxhomekeka ngemivuzo kwishishini.

Xa yayo pension ngenxa yokukhubazeka

Iintlobo pension wokubonelela pension karhulumente sibandakanya into efana ipenshini yokukhubazeka. Retirement yomhlalaphantsi ebizwayo zikarhulumente disabled 1, 2, okanye amaqela 3. Ukuze sibe nako ukuphumeza loo ntlawulo, i umhlala kufuneka asebenze ubuncinane usuku kule nkampani. Xa le meko ayikwazi kuhlangatyezwane ngenxa yezizathu ezahlukeneyo, kunye nencwadi yomsebenzi akukho iirekhodi, ummi unokufumana kuphela umhlalaphantsi ekuhlaleni, nto leyo eya kuba ncinci. Kufuneka kuqatshelwe ukuba yomhlala-phantsi ibalwa xa uviwo wabonisa ukuba ummi welo wonzakala emsebenzini, yaye akazange lwenziwa injongo.

Iingongoma eziphambili ukuba kufuneka unikele ingqalelo xa ubeke yepenshoni abakhubazekileyo

Xa ummi lusekiwe iqela lokukhubazeka, yena unelungelo lokuba ibango intlawulo yenyanga. Kubalulekile ukukhumbula ukuba ukukhubazeka kufuneka ebhalwe phantsi, kuba oku kuya kufuneka ukuba unikeze olunye ulwazi:

1. I-Pension lisezantsi ziya kuqeshwa kuphela xa kukho ukungakwazi buso okanye epheleleyo ukusebenza, yaye oku kuqinisekiswa ngesiqinisekiso kwabasemagunyeni MSEK.
2. Ukuba MSEK umisela ukuba ungummi yokukhubazeka yethutyana, kufuneka ngonyaka ngamnye ukuze bandise imbekiselo Kwathi axilongwe.
3. Group ukukhubazeka kuya kuchaphazela ngqo ubukhulu kweentlawulo.

Xa umntu incapacity ngokupheleleyo, ukuba abe iqela lokuqala yokukhubazeka, yena umiselwe ubomi kwaye ayifuni zoviwo-kwakhona. Kananjalo ngumba enkulu, nto leyo umdla amaninzi, iba kukutshatyalaliswa pension iindidi ezahlukeneyo abemi - abantwana nabantu abakhubazekileyo. Makhe sihlolisise ngokweenkcukacha lo mbuzo oko uhlobo pension ngumntwana okhubazekileyo kunye nabantu abakhubazekileyo Russia uyakwazi ukubala naziphi iintlawulo.

abantwana abakhubazekileyo 1 iqela angalindela ukuhlawula le mali ka-12 100, iqela lesibini abakhubazekileyo ukususela ebuntwaneni kufumana i-10 000 kwe iqela lesibini 5034, abakhubazekileyo iqela lesithathu - 4279 engange.

yomhlalaphantsi yexhoba

Pension accrual lwenziwa xa umondli esifa. Ezi zibonelelo zihlawulwa kuphela kwabo abemi bonke abaxhomekeke zomntu ongasekhoyo. Iintlawulo ezinjalo ziza kufuneka ngelo kwiindidi ezithile:

1. Izalamane soonyana abazisa wafayo, kodwa kuphela phantsi komqathango wokuba bangaphantsi kweminyaka eli-18 ubudala. Okungaphandle ziya kuqwalaselwa kubantwana abaneminyaka-23, kodwa ke kuphela ukuba ngaba ufunda ixesha elizeleyo.
2. Abahlolokazi nabahlolokazi baya kuba nako ukufumana izibonelelo kuphela xa bengakwazi ukusebenza ngexesha umondli. oko kwenzeka kakhulu okanye omdala ubudala, okanye ukukhubazeka.
3. Abazali umondli ungasekhoyo, ikhubaziwe ngenxa yobudala okanye ukukhubazeka.
4. abantwana.
5. Abazali Ugunyaziso owabakhuphayo yibona umfi ngokusemthethweni ithuba leminyaka emihlanu ubuncinane.

Isixa komthetho pension owasinda imiselwe ngokwahlukileyo kudidi ngalunye abemi, ingongoma ebalulekileyo kukunqongophala nawuphi na umthombo wengeniso ngokuthe ngcembe.

Amaxwebhu umhlalaphantsi abasinde '

Ukuba umntwana sele ufikelele kwiminyaka yobudala engama-18, ukufumana intlawulo kufuneka bexhoba ukuba uqiniseke ukuba bammise phambi izibakala, engqina ukuba umntwana kuxhomekeke uncedo eziphathekayo kamfi. Amaninzi loo nto esekwe kweenkundla. Njengokuba ubungqina, ukuze enze la maxwebhu alandelayo:

1. Onke amatyala, isalatha kulaa sisibakala amazwe angaphandle.
2. Isiqinisekiso esichaza ukuba umntwana akabi imali yabo.
3. Ubungqina.
4. La maxwebhu, nto leyo ebonisa ubudlelwane usapho kunye umfi.

Imali yomhlalaphantsi bexhoba kubalwa ngolu hlobo lulandelayo:

1. Kuba abantu abalahlekelwe umondli enye - 5034 engange.
2. Abantwana abalahlekelwe ngabazali bobabini kufumana i-10 068 engange.

Zeziphi iintlawulo pension yenyanga

Thembela iintlawulo ezinxulumene umhlala, abantu abathi:

1. Bona bamazwe zikaRhulumente ze ahambelane ngokucacileyo yonke imiqathango enikwe kule umthetho.
2. Oonyana bolunye uhlanga abangenazo ubumi Russian, kodwa nazo bazithobele zonke iimeko kwi nolwakho.

Ipenshoni kufuneka ihlawulwe kubantu abathe umhlalaphantsi ngokusesikweni kodwa uqhubeke umsebenzi wakhe. Kulo mzekelo, asikuko intlawulo epheleleyo ye pension, kodwa kuphela umxhesho ethile. Le recalculation lwenziwa kanye ngonyaka, ekuqaleni kuka-Agasti.

Ukuhlelwa yepenshoni banokuchaphazeleka kunye nohlobo lwentlawulo. Khetha iintlobo ezimbini ipension ayikwazi, kukho kuphela iindidi ezithile bantu ziya kufumaneka iinkonzo ezifana: ibizwa inxaxheba ekulweni kweMfazwe Yehlabathi II, abantu abo bonzakele imfazwe, abazali amajoni owambulala kumgca umsebenzi.

Iintlobo pension ukuba ipension karhulumente zihlukaniswe:

1. Service pension. It inikwa abemi abasebenza kwindawo ethile. Ezi ziquka oosomajukujuku, amajoni, amagosa karhulumente kunye nabaqhubi. Imeko ephambili zokufumana ipension na ngamava, leyo kufuneka ibe linani elithile leminyaka.
2. Intlawulo yamandulo-inkamnkam. Apha, yonke into lula, lo ummi mazifike umhlala-phantsi.

Umyalelo lokubhaliswa pension yabasebenzi

Ngaphambi kokuba kwabasemagunyeni, likhala ekubaleni pension umhlala ngummi kuya kufuneka ukuba kuqokelelwe amaxwebhu ngenxa endala-yomhlalaphantsi. Ukuba ngummi Russia, uxwebhu oluphambili kuba kuthathwa ipaspoti ngokuba abasemzini - mvume lokuhlala. Ingongoma ebalulekileyo kukuba amava zokusebenza documentary isiqinisekiso. I-Pension Fund kufuneka kubonelelwe-ncwadi kunye nesiqinisekiso yokuqala ka-inshorensi. Into sokunene besiya kuba ukucela ingcebiso engaphezulu kwingxowa-mali yomhlalaphantsi kwisithili wakhe, njengoko kusenokubakho zifuna uncedo olungaphezulu. Inkqubo yobhaliso ye pension ithetha njalo nokufika yezikhundla kungabi ngaphantsi kweminyaka emithandathu. Kwangaxeshanye simele sikhumbule ukuba abasetyhini umhlala-phantsi engama-55, amadoda - 60.

amaxwebhu eziphambili ukubala endala-inkamnkam

Ukubeka endala-umhlalaphantsi, kufuneka ukubonelela kwi Pension Fund ka la maxwebhu alandelayo:

1. Nobungqina bokuzazisa igama lakhe. Ngokuqhelekileyo, le nto yakho yokundwendwela. Olu xwebhu ibonisa umhla wokuzalwa, indawo yokuhlala kunye ilizwe apho ngummi ahlala.
2. Ingxelo ebhaliweyo ngomhla emnyango amaxwebhu ummi.
3. Ingxelo yengeniso. Loo mazwi lula kubanjiswa mbutho apho kusebenza umntu. Iya kuboniswa ngengeniso kwiinyanga zakutsha nje.
4. Ukuvezwa khowudi.
5. Amadoda kufuneka abonise ID emkhosini.
6. Ukuba unabantwana, kufuneka unike ubungqina lokuzalwa kwabo.

Kuphantsi kweziphi ntlawulo ukubala abantwana imfazwe?

bamazwe Russian abazalwa ngexesha lemfazwe, kukho udidi lwentlalo, nto leyo kwakhona inkxaso evela kurhulumente. Pension abantwana imfazwe kuxhomekeke ikakhulu izinto ezongezelelweyo. Ukuze ufumane ubume umntwana kwemfazwe kufuneka kuqala uqhagamshelane ne-Ofisi yoKhuseleko lweNtlalo. Ukuza kuthi ga ngoku, le umhlalaphansi sinokuqiniseka ukwanda ukongeza imali esisiseko, eyenza i-300 - engange 5000 ngenyanga nganye. Ngokwahlukeneyo, le didi abemi banikwe izibonelelo ezongezelelweyo:

1. Ngezaphulelo eziluncedo.
2. Ngomhla ukuthenga amayeza.
3. Kwizithuthi zikawonke.

zamvanje eziqhubekayo ngokunxulumene indexation ye pension

Utshintsho lwe pension usaqhubeka obukhulu, kwaba ngokunxulumene nale indexation pension lwaqhutywa hayi kudala. imithetho emitsha kumhlalaphantsi, leyo cincile ngokucacileyo ubukhulu iintlawulo zomhlalaphantsi. indexation lokugqibela pension wenza kube lula:

1. Ukwandisa ulwabiwo lwe pension nge-4%.
2. Urhulumente uthathe unonophelo ukuba kufuneka ihlawulwe isixa ngu 5000 engange. Kule onokuyizuza ukubala umhlala abasafakwe ukusebenza, nabo ukuya emsebenzini.
3. Isibonelelo ziya kwenziwa ukususela ngo-Agasti kulo nyaka, nto leyo kufuneka ithathele kwamaxabiso akhawunti kunyaka-2016.

Njengoko ubona, zonke iindidi pension ukuba ipension karhulumente kufuneka ziqwalaselwe ngononophelo. Xa ngezinto ezinjalo, le umhlala elizayo kufuneka baqiniseke ukuba silandele zonke iinguqu ezithi zenzeke ngenxa utshintsho. Ukuze ufumane inkcazelo epheleleyo, kuyimfuneko ukuba bafune uncedo kwingxowa-mali yomhlala-qualified abasebenzi abaya kuba nako ukwazisa umthetho ngokuchanileyo ubale izibonelelo zentlalo ezifunekayo. Nawuphi na umntu oko kubaluleke kakhulu ukuba nesakhono ezi zinto, ngenxa yokuba kwixesha elizayo kunokuxhomekeka ngekamva layo. I ngaphambili kuyenzeka ukuba bakhangele umbuzo yomhlalaphantsi wakhe elizayo, amathuba ukufumana ukusuka kurhulumente konke okuyimfuneko ukuze ngumthetho wesizwe.