Pension Social - lo ... lo Pensions Act. eyekiweyo lweNtlalo yomhlalaphantsi

Abemi zonke lizwe mihla kufuneka amalungelo ukubonelelwa yomhlalaphantsi karhulumente, ngokuxhomekeke kwiimfuno ezithile. Ezi mfuno ziquka: efikelela kwiminyaka ethile, ukulahlekelwa umondli, nokukhubazeka, kunye nezinye iimeko yanika imimiselo yomthetho yangoku. Kufuneka kuqatshelwe ukuba ezinjalo iintlawulo uthembele nje kuphela abantu abahlala kummandla karhulumente, kodwa ngabemi kwezilwandle. Le pension senziwe ngokungqinelana iimvumelwano kunye nezivumelwano kunye namanye amazwe.

ngezigaba

Umthetho yomhlalaphantsi ngoku ubonelela iintlobo ezimbini eziphambili. Lo msebenzi kunye nentlawulo yokhuseleko loluntu. Makhe sihlolisise ngokweenkcukacha.

occupational umhlala

Iintlobo yokuqala iintlawulo ezenziwe ngokwezi khrayitheriya zilandelayo: nokukhubazeka, ubudala, ubude kwenkonzo, ukungabi umondli, kunye nenkonzo Ukuphumelela ngokuqaqambileyo kuye kurhulumente. Makhe sihlolisise nganye kwezi ntlobo thaca. Owokuqala ubonisa imali akananto xa kuthe yokukhubazeka. Ukubonakala kwaso izizathu ngenxa ezimbini eziphambili: isifo jikelele okanye ukwenzakala mveliso. intlawulo zomhlala yenziwa nokuba ixesha kunye nendawo nasisihlo yokukhubazeka. Ngokuphathelele yesibini, kakhulu, yonke into ilula. Umthetho yomhlala ngoku uthi xa ubudala buthile kunye ukuxatyiswa umntu olufunekayo eqala ukudwelisa iintlawulo zikarhulumente. Akuso inikeza accruals cash amaqela ezahlukeneyo abemi ababandakanyekayo kwicandelo yabasebenzi, leyo kamva kunokukhokelela izifo emsebenzini. Isiphumo soku lungaba amalungelo yokukhubazeka ekuqaleni (phambi kwaloo minyaka, emva koko uvumelekile ukuba endala-inkamnkam). Ukulahlekelwa umondli, njengoko kuchaziwe ngaphambili, naye unobangela yokubonelela iinzuzo zengqesho. Amalungelo kule hlobo yomhlalaphantsi unolwazi ngabo ngabemi kwintsapho apho kukho abantu abakhubazekileyo okanye abantu bafa, ixhomekeke owaba abanye. Ngelo xesha abantwana efanayo kuqala ezizodwa lungiselelo enjalo, ngoko, ukubalwa imali ekufuneka kwenziwe ngaphandle amaxwebhu ezongezelelweyo.

Iintlawulo ntle, inkamnkam

Olu didi lubandakanya i-accrual ngamaxesha kwemali kubemi abakhubazekileyo, owathi ngenxa ukuba ngenxa yaso nasiphi na isizathu musa ukufumana inkxaso yengqesho. Ubungakanani bomhlala-phantsi loluntu emiselwe ngumthetho osebenzayo kwaye kuxhomekeke efunekayo kwinqanaba subsistence ubuncinane. Ngenxa yoko, abemi lizwe oswele ingeniso rhoqo ngoku, kodwa babe ukuxatyiswa ezaneleyo, intlawulo ngasentla ziya kunikwa. Ukusuka yonke le siyakwazi ukubona ukuba ipension zentlalo - yinto uhlobo lobonelelo loluntu. Njengoko kuchaziwe ngaphambili, imirhumo ngasentla Awunayo naluphi uxhulumaniso umsebenzi, kwakunye naluphi na udidi yayo woncedo loluNtu. Ngenxa yoko, le supplement kumhlalaphantsi Social kwezinye iimpawu ezizodwa. Okulandelayo iya kuxoxwa imiba enxulumene ubungakanani, injongo nokubalwa neenkqubo. Noko ke, izinto eziza kuqala.

inkqubo yokubala

Ukuqala zahlolwa ngokweenkcukacha iindidi abantu banelungelo lokufumana umhlala-phantsi ekuhlaleni. Oku, ngaphezu kwabo bonke, amadoda kunye nabafazi abaminyaka yobudala eyi-65 no-60 ngokwahlukeneyo, ubude imisebenzi ngaphantsi kweminyaka emihlanu. Kwakhona kwi kummandla Russian Federation inkxaso abantu obschepensionnogo ubudala abangabakhe loo nto ibizwa ngokuba yinkqubela-minority ye North. Zombini ezi mfuneko zithe babelwa kudidi "zentlalo nkam-ubudala". Njengoko iintlobo iintlawulo zabasebenzi, kukho apha accrual yokukhubazeka. Ngokubhekiselele kule didi ezilula. Ilungelo lokufumana umhlala lwentlalo nabantwana abakhubazekileyo, kwakunye nabantu abaye ezikhutshwe ukukhubazeka naliphi iqela abangenazo amava nobungcali. isimo sentlawulo kwiintsapho abalahlekelwe azo uthe wasutywa nabo zaveliswa. Kule ntlobo ziquka abantwana abangakhange uwagqibile amashumi isininzi, kwakunye nabafundi abapasayo okanye imfundo Secondary kwimfundo yexesha elizeleyo phambi kweminyaka yobudala engama-23.

An kwingongoma ebalulekileyo

Xa kunjalo, ukuba umntu umiselwa eyongeziweyo lwentlalo ipension yesibini okanye yesithathu kule milinganiselo elapha ngasentla, kuyimfuneko ukuba bakuthathele ingqalelo iinkalo eziliqela. Ukuba owondla oswelekileyo okanye abakhubazekile ubuncinane omnye umhla amava emsebenzini, singaqinisekisa ukuba urhulumente liye lafumana iinzuzo zengqesho. Ubungakanani bomhlala-phantsi loluntu kule meko na kubalwa kunye neefomula ezizodwa kunye neenkqubo. iintlawulo Ukwenza ziya kwenziwa kwi izahlulo indawo, kunye noluhlu kwamaxwebhu afunekayo kunokuba ezinye iiyantlukwano ngokuxhomekeka ekubeni, kuba amanye amabango software wajika ubuso bakhe.

Ukuqeshwa kwe pension lwentlalo

Njengoko kuchaziwe ngaphambili, ezi ntlawulo i uhlobo urhulumente akubizayo, leyo eyenzelwe ukunika ezithile imali imfuno kunye nalo isiseko ezahlukeneyo zabantu. Eyona njongo iphambili kwaye ephambili esukelwa imisebenzi echazwe ngasentla kukunika inkxaso nohlobo eziphathekayo eqela ngabemi abangenazo kuqinisekisa umthombo wengeniso.

Ukubalwa kwentlawulo

Ngenxa yokuba le umhlalaphantsi ekuhlaleni - lo eyongezelelweyo imali mali eya kukhutshwa ngurhulumente, iya kubalwa iinkonzo ahambelanayo. Yinto eyaziwayo ukuba ixabiso ubuncinane yokuhlawula ingqalelo inxulumene ngqo yeendleko evunyiweyo zokuphila. Kufuneka kuqatshelwe ukuba kwikota yokugqibela nganye elichaziweyo iinkonzo zikarhulumente. Ukongeza, nezikhokelo eyenziwa qho ngonyaka. Ngoko ke, lo pension lwentlalo - ixabiso kudinga imeko yezoqoqosho yelizwe ingqalelo, ezifana kwamandla emali kunye nezinye iparameters ebalulekileyo.

Uluhlu lwamaxwebhu

Cinga umyalelo zobhaliso yomhlalaphantsi. Okokuqala, kufuneka angenise ingxelo apho izizathu iintlawulo ezichaziweyo. Olu xwebhu ithunyelwa kwisithili okanye isixeko karhulumente zabasebenzi kunye nokhuseleko loluntu abantu kwindawo ahlala kuyo sicelo. Onke amaxwebhu ayimfuneko ingagcinwa ngumntu ukuze basekele izenzo zabo ngamandla kubameli njengegqwetha. Kufuneka kuqatshelwe ukuba yokugqibela kufuneka ube yonke imisebenzi enxulumene yenkqubo yokufumana umhlala zentlalo: kunibonelela amaphepha ezifunwayo, ukuqokelela iinkcukacha engekhoyo, kwakunye kunikezelo isiqinisekiso efanelekileyo. Phantsi kwemigaqo yomthetho ekhoyo, isicelo kufuneka ikhatshwe maxwebhu alandelayo (kuxhomekeke, kakade, phezu udidi, apho ibango sele isicelo): ingxelo yezonyango ebonisa ubungakanani kulahlekileyo impilo ngu ngamaziko ononophelo lwempilo ezizodwa; isiqinisekiso kwi-ofisi yoMgcini-zincwadi malunga ukulahleka umondli wosapho, okanye naluphi na olunye uxwebhu esingqina ubume umntu ongekho (olu didi nazo kufuneka izatifikethi zokuzalwa zabantwana minor); amaphepha ukuqinisekisa ilungelo lokubhena nokwanda ipension. Ukongeza, umfaki-sicelo kufuneka abonelele, nokuba kudidi yokubonelela uxwebhu engqina ungubani, ubudala, ubuzwe kunye nendawo yokuhlala.

Ubungakanani zinto eziphathekayo

Ngoko ke Usifumana njani ubungakanani zentlalo iinzuzo ifanelwe? Okwangoku, liphuhlise imigangatho, awathi ngenxa ngalunye kwezi ndidi, kukho izixa ezithile izityholo. Ngenxa yoko, le amaxabiso iyalungiswa akukho mfuneko ukwenza yokubala elide maxa wambi nzima ukufumana ixabiso efunekayo. Kubalulekile ukuqaphela ukuba ipension loluntu ziya kuxhomekeka kuluhlu komamkeli elizayo. Kwakhona inika intlawulo echazwe amaqela ezongezelelweyo ngenyanga kwabemi, imali echazwe ngokufanayo yi ngurhulumente. Kuba abemi belo lizwe, ibekwe kwiidolophu zephondo, inika yokulungisa into yommandla ekufuneka iqwalaselwe izibalo.

I ukukhetha phi uthembele imali?

Intlawulo yezibonelelo zentlalo kunye neemali zomhlala-phantsi kungenziwa ngeendlela ezimbini. Ngokutsho mali idwelisiweyo yokuqala ekhoyo kwi-ofisi eposini emzini wakhe. Kuba iziko ngalinye eso sivunyiwe ishedyuli yokuhlawulwa pension kunye neenzuzo, ke ngoko, kuyimfuneko ukuba babambelele nemigaqo ngokuchanekileyo ukufika kwindawo ethile kunye nexesha. Ukuba umamkeli-akhawunti yaso kuyo nayiphi na ibhanki, imali emtshatweni ingenziwa kuyo. Translation yemali efunekayo ngabasemagunyeni efanelekileyo yabasebenzi, ukhuseleko lwentlalo kunye nokuqeshwa abemi ngokusekelwe kwinkcazo kumamkeli. Ukudluliselwa ye pension ngenxa yokuba umntu senziwa kwiyunithi ebhankini, nto leyo ibekwe ngaphakathi kwisithili yokuhlala uya umntu. Ngaphezulu, kufuneka kuqatshelwe ukuba imali yezibonelelo ethe yengeniso kwifomu ethile kwiziko logcino ocetywayo (ezifana njengepesenti).