Inxalenye exhaswayo yotshintsho yabasebenzi pension kunye ezintsha

inxalenye exhaswayo zomsebenzi pension okongezeleke kwaye benziwa ngenxa kutsalwe imali yabarhafi 'kwi-mali yomhlalaphantsi. Apho zibekwe kwi-akhawunti ezahlukileyo, nganye okubhaliweyo. Imali ezinokuqulathwa apha uluntu kwaye ezo mali leyo zabucala.

Funds akayi kuphela banelungelo imali ezahlukeneyo lweenkqubo, kodwa kufuneka wenze oku ukuqinisekisa ukuba iimali bengakuthandi ixabiso kubangelwe kukuhla kwamandla emali kunye nokungenisa imali. Kwengeniso kufuneka zithathelwe ingqalelo egameni akhawunti. inxalenye nganye ngemali zomsebenzi pension-akhawunti eyahlukileyo ngamnye.

Izilungiso Pension Insurance Act

Bekucingelwa, ngokungqinelana ne kwinguqulelo yokuqala yomthetho ka-2002, okanye nokwanda zomsebenzi yepension kwenziwa kwabo abemi ekufuneka aye umhlala ngo-2016 (amadoda) kunye (abafazi) 2011. Ngo-2005, umthetho itshintshile, kwaye ngo-2005 wamwisela isahlulo ezixhaswa yabasebenzi yomhlalaphantsi ngoku uya kuba kuphela kwabo waba ithamsanqa ukuba wazalwa ngo-1967, kwakunye nabo bazalwa kamva.

Ezo mali, izinto ezo ezenzeka ukususela ngo-2002 ukuya ku-2005, ziya kufumaneka kwi-mali yomhlala-phantsi, nto leyo eya khetha abanini kwakhiwa igama akhawunti. Ngamanye amazwi, ukuba ukuzalwa wakho ehambelana ixesha phambi 1967, uya kuphinda kuvelisa amacandelo accrual abantu umphako ipension, liya kuba namalungu esisiseko kunye ne-inshorensi. Kodwa ke imali leyo kwakheka kwi igama akhawunti ukususela ngo-2002 ukuya ku-2005, kuya kusebenza kunye nabo bonke akhawunti yokonga, yaye emva koko kuya kuthathelwa ingqalelo umhlala-phantsi (oko kukuthi, wongezelela ukuba ubalwe kwaye uyahlawulwa).

Njani na imali sokuzuza inxenye yomhlalaphantsi

Kuxhomekeke eli candelo umvuzo. Ixabiso inxalenye ezixhaswa ngemali zonyaka (isixa ukuba idluliselwe kwi-mali yepenshini irhafu) kunye ipesenti ezisisigxina ixabiso lwesalathisi othile umvuzo esekwe uMthetho. Zimisela ubukhulu wayo ngokwemiqathango imali.

Ukuba imali yakho engange ngaphantsi kwe amabini anamanci asibhozo amawaka ngonyaka, ngomnyaka 2005-2007 ka oyongele umhlala-phantsi wakho uya kuthetha ukuba-4% yale mali. Ukususela ngo-2008, kunye ingeniso efanayo iza kutsalwa ngaphezu kwe-6% ngonyaka ngamnye, ukwenzela ukudala inxalenye inkxaso zomsebenzi pension.

Salary kuluhlu ukusuka engange-280 ukuya kwezingama-600 lamawaka kubangela wesiqhelo yokonga akhawunti amawaka 11.200. Thambisani. ne 1.6% yemali kunene lalingamakhulu amabini anamanci asibhozo amawaka - 2005-2007. Ukususela ngo-2008, 16.800 ne-2.4% ngokulandelelana kwazo.

Ukuba umvuzo wakho ingaphezulu kwe-600 lamawaka engange ngonyaka ngamnye, isixa iintlawulo esisigxina: ngo-2005 no-2007 - 16320 ngonyaka ngamnye ukususela ku-2008 - 24480 ngonyaka-akhawunti yokonga imali.

Njengenxalenye yale pension ihlawulwa ukuba ixhaswe

Intlawulo inxalenye ezixhaswa zomsebenzi pension ngexesha elifanayo ubeke abemi ukusuka kumhlalaphantsi zentlalo, kwakunye nabo nesiphene okanye afumane ipension, amalungiselelo ixhoba. Iintlawulo ezinjalo iipesenti elithile elingathathwanga pension kunye Ukubhatalwa. Le ratio kufuneka abe ngaphezulu kwe-5%. Kuya kuba lula ukufumana intlawulo likaxakeka of imali yomhlalaphantsi ukususela ngoJulayi kulo nyaka (2012), ngokungqinelana ne-2011 Act.

Bathe ke bona abanye, ngaphandle migaqo ikhankanywe ngasentla yomthetho, iintlawulo ezingxamisekileyo akayi kuba yobume ngexesha elinye. Ukufumana iintlawulo ezifike iminyaka elishumi ngezavenge ezilinganayo. Ngamanye amazwi, yonke into iye efunde yabemi ingqalelo kwi-akhawunti yayo ngamnye, iza kwahlulwa ngo-10 ize ihlawulwe njengenxalenye pension ethe.

Kuba iintlawulo ezingxamisekileyo kwaye isixa mali kubeleka, ukuba ijoliswe ukuyilwa unina umhlala-phantsi. Kananjalo wazibekela ixesha yokuhlawulwa angekho ngaphantsi kweshumi leminyaka. Xa kunjalo, ukuba kukho ukufa ngesiquphe intlawulo ekhawulezileyo yomamkeli, uya ilifa abo bangena ngokomthetho, oko kukuthi, iqabane okanye abantwana.

Lo mthetho unika ulungelelwaniso inxalenye ezixhaswa ngemali ye pension, kwakunye isixa iintlawulo ezingxamisekileyo xa isixa-mali sengeniso eyenziwe mali yengeniso.