LezaBasebenzi ne-inshorensi pension namava: indlela yokubonisa ukuba ibalwa njani na

Labour (insurance) amava kugqiba ubungakanani kweentlawulo zikarhulumente kubemi beli lizwe, xa kufuneka kubo: ukukhubazeka okwethutyana, ikhefu lokugula, pension, ukukhathalela umntwana. Umongo-nkqubo karhulumente ukuba onke abasweleyo kufuneka zixhaswe, kodwa kwinqanaba eliphezulu iza kuhamba abo ngenene konelungelo ngayo umsebenzi rhoqo ukuze kuxhamle karhulumente.

Ngenxa yoko ke, amava ngakumbi, ngcono. Nangona kunjalo, umthetho uchaza eninzi kujonge izinto. Xa utshintsha imisebenzi, nokuba loo mava lwaphazamiseka? Njengoko ibalwa ubude lilonke umsebenzi? Ingaba kubalulekile ukuba phezu ngeprofayili okukhethekile okanye hayi?

ukuba nombono

Masiqalise nesibakala sokuba oko kubeka umthetho elithi 'ixesha i-inshorensi ". Ngawo la amaxesha zengqesho, xa umvuzo wakho, umqeshi wakho wenza igalelo lwendawo kwingxowa-mali yomhlalaphantsi. Ngoko nangoko ke kufuneka wenze isicelo, ukuxatyiswa lakho akuyi kuphinda kubalwa, ukuba amalungiselelo ngokungacwangciswanga okanye zilungiswe, kodwa ke umqeshi (ngenxa yaso nasiphi na isizathu kuphela Uyazi) ayenzi nayiphina imirhumo kwingxowa-mali yomhlalaphantsi. Nokuba xa libanjiwe, ngokomthetho unyanzelekile kuphela ukuhlawula isohlwayo ngenxa kophulwa hlobo, kodwa hayi zonke isixa ezibanjwayo ezazifanele ukuba izakuba kwi akhawunti yakho yakho kwingxowa-mali yomhlalaphantsi.

Nika kwakhona ingqikelelo "amava inshorensi ekhethekileyo" ngalo umqeshwa umhlalaphantsi phambi ishedyuli (ngokomthetho: Amadoda - 60, abafazi - 55). Umzekelo, ukusebenza kwi Far North nezinye (iimeko zokusebenza special) ukuze 1.01.02. Emva koko umhla, umsebenzi iimeko ezizodwa ayikho okungenamsebenzi. Yiloo nto ke umthetho omtsha kumhlalaphantsi abemi Russian. Lo mgaqo-nkqubo ingabizwa olunoqoqosho, kwaye onxulumene yokunqongophala kwemali ukwenzela ukubonelela pension ze umhlalaphansi elizayo.

Indlela yokubala?

Ukubalwa kumhlalaphantsi yenziwa ngokudibanisa amaxesha zengqesho, ngaphandle kwexesha zokufunda (ukuba ngaphambili ukuba zithathelwe ingqalelo, ngoku khona). Kodwa amava umsebenzi ubandakanya ixesha emkhosini, ukuba ngummi phambi kokuba ngokusemthethweni wasebenza. Zifakwe ngexesha lakhe ukunyamekela umntwana ukuya kwiminyaka 1.5, bafumane inzuzo yokukhubazeka yexeshana. Ukuba ulahlekelwe ngumsebenzi wakho kwaye akanako ngokwabo ukuze ufumane omnye kwi elithile, ungafumana ubume abangasebenziyo kwiziko ingqesho, yaye kunye nayo kunye nenzuzo, ukanti wena akuyi uya kufumana umsebenzi ngaphezulu okanye efanelekileyo ngaphantsi. Eli xesha kwakhona yinxalenye amava. Kukho iimeko ezimbalwa apho umsebenzi wakho ukuze ingqalelo luncedo ekuhlaleni - banakekele olungasebenziyo. Okanye ithuba uyagwetyelwa "ukungasebenzi" - icala elimsulwa (ukuba yobungqina). Olubalo na kwiinyanga ngokupheleleyo kunye neminyaka.

Njani ukuze uqinisekise?

amava Insurance kuqinisekiswa iingxelo engqesho. incwadi Lost buyisela umyalelo kwi ukuqesha, ngokwemvumelwano yengqesho, iingxelo malunga notsalo kwiingxelo emvuzweni. Ngokusisiseko, idatha ziyangqinelana na iinkcukacha zobhaliso obumntwisiweyo abemi njengabantu inshorensi. rekhodi zigcinwa kwi mali yomhlalaphantsi lasekuhlaleni ummi yonke ukusebenza. Ukuziqhelisa egwebayo, kwakukho iimeko xa onamava kakhulu abanokubonisa ubungqina kuba ingcaciso walahleka ngenxa yeemeko ebezingalindelekanga. Kuba ekubaleni amava elikhethekileyo bungqina aziyi kwamkelwa.

Yintoni umphumo?

Amaxesha lombali inkampani yeinshorensi sibala konke ixesha umsebenzi esiya esibhedlele ukucwangcisa intlawulo yokukhubazeka yexeshana. Kwakhona kugqiba ubude nobukhulu nokungasebenzi kwaye, kakade, umhlala-phantsi.

Yintoni umhlala elinde wena?

Kwaye ngoku umbuzo eziphambili: singakanani isidingo ukusebenza ukufumana ipension onesidima? Ubuncinane iminyaka emi-5 zomsebenzi (Ingaba ixesha inshorensi!) Liya kubonelela kuwe imihlala endala-ngeminyaka - iindleko zokuphila. Yaye ukuba uye wasebenza kakhulu ngakumbi, iya ye pension ubalwe njalo. . Malunga 3 amawaka engange - isixa olusisiseko awula (inshorensi yinxalenye pension); kunye umlinganiselo iintlawulo-mali yomhlalaphantsi yi inani leenyanga ngexesha apho urhulumente uthembisa ukuba kongezeleka umhlala-phantsi (okwangoku iinyanga 228). Nesambuku iminikelo kule fomula ilungiswe ngexesha le accrual yomhlalaphantsi (sithabathela emali akhawunti kunye nezinye izinto). Kuyo nayiphi na imeko, ezi yepension kuxhomekeka kumvuzo avareji. Ngoko ke, xa kuqondana maxesha yokusebenza (operation 2), khetha ukubonelela-mali yomhlalaphantsi apho imivuzo esemthethweni lwalulude. Ngu inxalenye numbers ye pension lifakiwe (ezo imali ukuba uzenze). Ngoko ke kusenokwenzeka ukuba ufumane malunga 7 amawaka. (Xa ubude engama-15 kwaye kungekho awo). Kwaye imali - 8 amawaka Ezi zibalo abasakwazi rhabaxa, kodwa kufuneka ukunceda umfundi indlela inkqubo pension eRashiya kunye neemfuno ubude zenkonzo ....