Umhlalaphantsi Ukuxuba emkhosini, kunye neemali zomhlala-yoluntu: Iimpawu

I-Pension ibalwa abantu zomkhosi nolwembambano impumelelo yobudala ethile. ubukhulu yayo ixhomekeke ubude, isixa izityholo, ofisi. Kodwa kukho zomkhosi abangekho umhlala-phantsi engumxube, nto leyo eye iimpawu emtshatweni.

sonke isixa lwamaxabiso emkhosini, nto leyo eshiya amava yomkhosi kunye nomsebenzi, kuthiwa ezixubeneyo-uhlobo yomhlalaphantsi. Le okufana izibonelelo zentlalo ehlawulwa emkhosini xa abafikelela kwiminyaka ukushiya inkonzo - amava emkhosini yeminyaka engama-20 ubuncinane.

Pension njengayo nayiphi na ingeniso, anokuba ubukhulu eyahlukileyo. Abanye abemi babeka izibonelelo ezongezelelweyo ngenxa yezikhundla, kuba iinkonzo ezithile. Rhoqo lo imali kuxhomekeke indexation, nto leyo eyandisa ubukhulu balo ukuya kwinqanaba elifunekayo.

Ngubani wabhekisela emkhosini?

Ngokutsho komthetho emkhosini ziquka abemi abakhonza kunye nomsebenzi units ngemipu Forces, i-Ofisi yoMphathiswa likaxakeka, i-Federal Service Security. Olu luhlu luquka i amalungu amabhunga ezobuntlola bezinye iintlanga nenkqubo yezoluleko kunye nezinye iiyunithi amabutho kweli lizwe. Igama elithi "joni" imela uMthetho Federal №76.

Pension ikhulisa ukuba ngonaphakade. Amava kufuneka ube neminyaka engama-20. izibalo zalo ngumgaqo okhethekileyo. Kunye nokuthatha inxaxheba impi kunyaka-1 ilingana 3. ezintathu iminyaka kwiimeko ezizodwa zibalwa ngokwemiqathango 4. Isizathu umhlala-phantsi ngaphambi ukuba ababuleweyo, ngenxa apho yempilo sibi. Xa ukufa okanye ukufa umkhosi ilungelo lokufumana umhlala-phantsi, umhlolokazi yakhe. abasebenzi Military and Interior Ubulungiseleli banelungelo umhlalaphantsi kule minyaka ingama-45. amava mixed abanokuthathelwa ingqalelo kwe pension.

Ngokungafaniyo iintlawulo

pension Military, kunye neemali zomhlala-civil umahluko. Iintlawulo ze emkhosini kuxhomekeke kubukhulu lomvuzo nesikhundla. Umahluko zezi zilandelayo:

1. Emkhosini kukho ubuncinane ngamava - engama-20, yaye zokunxiba, eli nani kufuneka ubuncinane iminyaka eli-15.
2. Ukumisela izibonelelo zomkhosi azithathelwa okuza akhawunti yomhlalaphantsi.
3. Xa kuthelekiswa la majoni umphakathi Ungathumela amaxwebhu ukufumana iintlawulo iminyaka engama-40, ukuba ubude yabo ayikho ngaphantsi kweminyaka engama-20.

Zombini ezi ntlobo zezibonelelo efunyenwe isivuno kakuhle yayibafanele phumla. Imali yomhlalaphantsi zinokwahluka kakhulu ukusuka abemi iindidi ezahlukeneyo, kodwa inkqubo iyafana ubhaliso kunye yolwamkelo. Military ukubeka umhlalaphantsi yesibini, leyo inokufunyanwa nje kuphela kodwa kwakhona neentsapho zabo. uhlobo Ukuxuba lwentlawulo kufuneka kwenziwe ngaphandle kwiimeko jikelele.

ukuba nombono

Ayizizo zonke amajoni nempumelelo ekupheleni enkonzweni kwiminyaka engama-20 yenkonzo. Lo mthetho ke kuyimfuneko ukuba ukubala pension zomkhosi. Ngamanye amaxesha akukho ngokwanele iminyaka eliqela. Emva koko unokuhlawuliswa yomhlala pension engumxube yomkhosi emkhosini. Kulo mzekelo, sithabathela ingqalelo ukuba amava jikelele - elingekho ngaphantsi kwama-25. Iminyaka ziquka ixesha inkonzo, xesha elo lingasayi kuba ngaphantsi kwe-12 neenyanga ezi-6.

Xa amabhinqa iquka ixesha elichithwa ikhefu lokuya kubeleka kunye nokhathalelo umntwana, ukuba elo xesha sele inikezelwe apha enkonzweni. Ubude kwenkonzo akasayi kufakwa kwisikolo yoqeqesho. zomkhosi Ukuxuba kunye neemali zomhlala-waseburhulumenteni ebalwa FZ №4468-1.

isimo

Mixed pension zomkhosi kwaye iliso sivunyiwe kwimpumelelo engama-45. Kodwa ke kungakho ngaphandle ngenxa yobukho esi sifo, ukunciphisa okanye uhlele. Ukuziqhelisa, kukho iimeko apho amajoni uyagxothwa ukuya kwiminyaka engama-45, yaye kufuneka ubude yenkonzo ngenjongo pension zomkhosi.

Zabo umhlala zomkhosi iliso zingafumaneka ngexesha elinye emva kokuba ukugxothwa kwinkonzo. Ukuba ukuqeshwa kwakhe akukho sizathu ngokwaneleyo, isoftware ingakhutshwa nge-60 emadodeni kunye iminyaka 55 kwabasetyhini. umhlala Civil umhlala zomkhosi ngaphezu 60 esemthethweni.

zavunyelwa bokuqonda

Ukuze wanikwa engumxube zomkhosi iliso umhlala-phantsi, kufuneka uqhagamshelane-arhente karhulumente ingxelo. Kufuneka angenise amaxwebhu-mali yomhlalaphantsi ekuhlaleni. Le nkqubo ichazwe kwi resolution 17/19 wamkelwe Ministry of Labour ngoFebruwari 2002.

Ukuze ufumane ukubala, kufuneka ulungiselele la maxwebhu alandelayo:

• ipasipoti ID umkhosi;
• isiqinisekiso esibonisa ukuba ukuxatyiswa umvuzo, kwakunye thuba ukudlulisa nkonzo.

Amaxwebhu kufuneka wenze ingxelo ebhaliweyo yi kwisampula evunyiweyo. Iikopi lwenziwa kwi-PF. Ukuba naluphi na uxwebhu akakho, kufuneka banikwe zingaphelanga iinyanga ezi-3 ukusuka kumhla wokungeniswa kwesicelo. Eli xesha, yamkele uMthetho Federal №173. Ukuba kufuneka ucele ukuba accrual kwentlawulo emva kweenyanga ezili-12, ngoko ke kufuneka ukuba ubhale ingxelo malunga recalculation zabo. Ngoko ke inkqubo yonke ziya kwenziwa kwakhona.

imithetho yokubala

Ingqamana pension mixed yi indlela ekhethekileyo. Waye wamkelwa mithetho. imithetho yayo echazwe kuMthetho Federal №156 kunye №4468-1. Isiseko yokubala iya kuthathwa ukuxatyiswa ubude kwenkonzo. Ngoncedo lwabo ukucwangcisa ubungakanani esisiseko, yalungiswa ngenxa yezizathu ezahlukeneyo. Ukuze unyaka engaphezulu umsebenzi emva umhlala-phantsi, ungafumana-1% ngaphezulu. Recalculation lwenziwa kunyaka ngamnye yi-1 Agasti.

Sithabathela ingqalelo ukuba amava emkhosini umphakathi inkamnkam. Isixa-mali yengeniso ngenxa zomkhosi esekwe ½ isibonelelo ayimali amava engama-25. Kuthathelwa ingqalelo zonke iintlawulo esasixolelwe yi aphezulu ngeposi. Amava ayiqukwanga esikolweni yoqeqesho. Le evunywe yi umthetho №340-1. Intlawulo ingenziwa ngeposi okanye ukuhlala. Le nkqubo ichazwe FZ №173.

iintlawulo zentlalo

Xa iintlawulo zomkhosi ezongezelelweyo ekhoyo? Lo mgaqo usebenza kwabo bantu abaye ukuqinisekisa iSebe lezoKhuselo iminyaka yenkonzo okanye ukukhubazeka. Bazifaka imfazwe pension yamakhaya emva umhlala-phantsi. Oku kungenxa yokuba emva kokupheliswa kwenkonzo, abantu abaninzi basempilweni entle kwaye ngoko kuqhubeka ukusebenza kwimibutho yoluntu.

Mhlala-phantsi, umhlala, ukusebenza emva kokuba ukugxothwa, mabaluhlawule utsalo kwingeniso-mali yomhlalaphantsi. Kubonakala ukuba ubeke umhlalaphantsi oqhelekileyo. Iimeko irisithi yayo zilandelayo:

• yobudala amadoda engama-60 kunye nabafazi - 55;
• amava inshorensi umsebenzi yoluntu ayikho ngaphantsi kweminyaka emi-6;
• Ukuba ukhetha ukusebenza kunye neemeko ezinzima okanye kwimozulu nzima, ngoko wabeka iintlawulo.

Le nguqulelo yamajoni emiphakathini pension kumaxwebhu. Ukuba utshintsha naziphi na iinkcukacha, kufuneka azise RF Pension Fund, isicelo efanelekileyo.

Ukwenza umhlala izihlobo

I-Pension yesibini banelungelo lokufuna usapho. Uluhlu lwaba bantu kuquka iqabane, abantwana kunye nabantu abadala abakhubazekileyo ababhalise esikolweni samabanga aphakamileyo (ukuya kwiminyaka 23). Kwakhona, ezi ziquka abaxhomekeke. Iintlawulo enjalo ukufumana engumhlolokazi. Udluliselo osindileyo kwenziwa phantsi kwale miqathango ilandelayo:

• ukufa ngenxa yokwenzakala kwi inkonzo;
• kukho ngenyanga ubuncinane 1 amava oluntu.

Sokubhalisa iintlawulo kubalulekile ukuba ubhala ubuhlobo. imali efana ukuba usebenzisa kuphela emkhosini yangaphambili, kodwa intsapho yakhe.

ithayimthebhile

Ngokutsho komthetho Russian, umhlalaphantsi ibalwa nyanga zonke. Intlawulo Umhla omiselwe FIU yengingqi, ibekwe kwingingqi ahlala kuyo. Thumela uxwebhu ngalo naliphi na ixesha. Isicelo eso kwisithuba seentsuku ezili-10. Emva koko kuthatyathwe isigqibo. Ukuba bokuba imali ekuthiwa kwinyanga ezayo.

Uhlengahlengisa kwenziwa minyaka yonke. Kodwa hayi ngaphantsi kwe-1 xesha kunyaka ngamnye. Khumbula ukuba ngo-2016 ubukhulu luhlu ubuncinane. Izizathu oku kuba ezahlukeneyo: ukungabikho mali, izohlwayo kuqoqosho, buthathaka lwemali.

On post nganye zayo umhlala-delivery schedule. Kuba bonke abantu abaqeshwe yi ngomhla yayo. Ukuba mini lona lungempelaveki okanye lungeholide, intlawulo leyo ifike. Ezi mali zingafumaneka kamva, kodwa kwishedyuli kuluhlu Mail. Ukuba ukhetha indlela yokuthumela nge yebanki umhla kuya kuba njalo.

Ngubani byi iinzuzo?

Option ye pension kunye iziko uphumeza delivery, lowo udla umhlala-ekhethiweyo ngokuzimeleyo. Olu lwazi, uveza kwingxelo. Iziko lokukhulula iintlawulo, sikwasebenzisana RPF phantsi isivumelwano. Ukudluliselwa kwemali nge amaziko amatyala, e-mail kunye nezinye iinkampani. Akuyomfuneko ukuba uhlawule ukuthunyelwa kunye amthume.

Iintlawulo zingafumaneka kwi-ofisi ibhokisi okanye umbutho ngokusebenzisa transfer I card. Izixa idluliselwe kwi-akhawunti zifunyenwe. Ukuba ukhetha unikezelo indlela imeyile, ukufumana imali umhlala phantsi ukuze ube ngumnikazi. Kwiimeko kakhulu kukho unikezelo ekhaya.

Kukho neminye imibutho, apho unako ukufumana iintlawulo. Funda ngabo banokuba kwi PF. Ukuba oyifunayo, ukutshintsha indlela unikezelo kufuneka isicelo Pension Fund.

amandla ngummeli

Eyahlukeneyo ngezidingo intlawulo ukuvumela ukuba ukhethe eyona ndlela lula. Kodwa kukho amaxesha xa akunakwenzeka ukuba watsala imali ngokwabo ngenxa yeemeko ebomini. Ke kanjalo omnye umntu ngamandla njengegqwetha. Olu luxwebhu kubameli, wasinika umhlala komnye umntu. Amandla igqwetha sikhutshwa umrhumo izivumelwano. Kodwa kukho nguqulo free, kwaye ke xwebhu luya kufana mvume eqhelekileyo.

Ukususela ngo-2013, amandla egqwetha eqinisekisa ukuba umbutho simahla, nto leyo izifundo umhlala phantsi okanye imisebenzi. Kwakhona lwenziwa kweli ziko, apho unyango (Art. 185,1 kweKhowudi Civil). Ukuba semthethweni xwebhu akayibonisanga, oko kuthetha ukuba semthethweni kunyaka-1 (Art. 186 we-Code Civil). Trustee uyakwazi ukufumana ipension ngeli thuba. Ukuba awukhankanyi ixesha elingaphezu konyaka, intlawulo kwenzeka ngethuba lokuba ngamandla ligqwetha.

Ukutshintsha yokuhlala

Xa ukutshintsha intlawulo yokuhlala luya kuqhubeka kwindawo entsha. Emva koko umhlala kufuneka azise FIU usebenzisa isicelo. Amaxwebhu ziya kudluliselwa kwenye ofisi indawo.

Yenza isicelo kwityala Paymaster kuba kufuduka imali kuyimfuneko kwaye ezaneleyo ngokusebenzisa ikhadi. Oku kungenxa yokuba it has zonke iinkcukacha eziyimfuneko eziya kunceda RPF kwindawo entsha yokuhlala, umzekelo, ukwenzela ukuba kubalwe. Esifike isaziso yepension kuza ngeendleko kwexesha.