Pension ukufelwa umfazi oshonile we umondli: ungasifaka kanjani isicelo? usayizi Penns

Ngakho, namuhla sinesithakazelo kwesikwenzayo impesheni ukufelwa umfazi oshonile we umondli. Abantu ezingahlali phakade. Futhi ngokuvamile abayeni babo bafe, kusale omkawo ngaphandle ngamakhaya. Inkulumo Echaza Isimo Sezwe Russian Federation inikeza usizo ukuze abantu abashadile nesimo esifanayo. Kodwa indlela ukuhlela impesheni owasinda kuyi-? Okufanele ukwazi ngalezi izinkokhelo? Yini kufanele sinake kwasekuqaleni? Zonke izici kwezimpesheni ukufelwa owasinda olulodwa kufanele azi kusengaphambili ngokushaywa. Akukhona kuphela unkosikazi unelungelo le nkokhelo.

Abafakizicelo

Ngakho, okwazi ukuthola uhlobo lwethu lwamanje ukwesekwa? Into wukuthi eziningi izigaba zabantu ufaneleke ukuthola kulezi izinkokhelo. Phakathi contender for impesheni ukukhululwa owasinda sika:

• abafazi;
• izingane;
• amadoda;
• abazali;
• bafazi abombutho;
• nabanye abantu abangekho sincike oshonile.

Ungase uphawule ukuthi uhlu ngempela ebanzi. Ekusebenteni, avame ukhokhele yempesheni nokulahlekelwa unkosikazi oshonile we umondli, kanye nezingane. Uma ngikhuluma iqiniso, zikhona izinhlobo eziningana ukwesekwa namuhla eRussia.

Izinhlobo owasinda impesheni

Njengoba sekushiwo, impesheni owasinda kuyi-izinto zingase zishintshe. Kuye uhlobo yayo futhi uzobe ngqo ezikhokhelwayo noma ukuthi imali wombuso. ERussia, ukukhululwa impesheni:

• nomphakathi;
• uhulumeni;
• umshwalense.

Nokho, kuyafaneleka ukuthi akuwona wonke izigaba abantu abafanele basheshe sezinhlobo ezithile ukwesekwa umphakathi ngoba ukufa kuba yibona yedwa ekhaya. Ngaphambi bahlelekela imibhalo ukuze izinkokhelo ezifanele, kubalulekile ukwazi lapho izimo umfazi inelungelo kubo.

impesheni umshwalense

impesheni Insurance - inkokhelo kusukela isimo, okuyinto ukubeka zonke ekhubazekile amalungu omkhaya salowo oshonile. I simo ezivamile. Abesifazane banelungelo lokuba le nosizo lwezimali. Kodwa kuphela uma babhekwa njengabantu ekhubazekile. Kungakhathaliseki ngasiphi isizathu Kwakuthi nokulahlekelwa kungenzeka yokwaneliseka.

Uma inkosikazi abangaphezu kweminyaka engu-ukukhubazeka neyaziwayo, yena umshwalense esimisiwe owasinda impesheni. ongakhetha nazo kubhekwe lapho le nkokhelo lufakwa ekhubazekile. Okubalulekile: isakhamuzi kufanele kube abondliwa. Nokho, kukhona okuthile okuhlukile.

Ukuxolela umshwalense impesheni

Pension ukufelwa umfazi oshonile we umsekeli ukubeka hhayi kuphela lapho umuntu ehlatshwa. On Imihlomulo yomshuwalense, ngaphansi kwezimo ezithile, banelungelo owakwakhe, kungakhathaliseki ukuthi bathembele noma cha.

umthetho Modern Russian icacisa ukuthi basekela impahla ezothatha womshado, ezifeza ukunakekelwa ingane izingane, abazalwane nodade abangu-umufi. Lezi imithetho ebalulwe zoMthetho Federal № 400 "Ngo Umshwalense Izimpesheni".

Kubalulekile ukukhumbula - lolu hlobo ukwesekwa kusuka kuhulumeni kuze kube manje ukubeka nje ezincane, zinakekelwa ngoba, ifinyelele eminyakeni engu-14. Ngemva impesheni umshwalense ukufelwa umfazi umondli ngeke ukhokhelwe.

izinkokhelo uhulumeni

Ngesimo esilandelayo ingekho kakhulu kuyaqabukela. Sikhuluma izinhlobo uhulumeni ukusekelwa ngokwezimali. Njengomthetho, lolu hlobo isinxephezelo wabeka amakhosikazi izihlobo, abondliwa, uma umufi labetibambile ezinye izikhundla esiphakeme. Ngaphezu kwakho konke, it:

• impesheni ukufelwa unkosikazi isosha umondli ikhokhelwa isimo;
• ukubeka izinkokhelo izakhamuzi abayizisulu ezenziwe umuntu noma ngemisebe izingozi;
• amakhosikazi osomkhathi abalahlekelwa ukuphila kwabo ekwenzeni imisebenzi yakhe noma belungiselela indiza.

Futhi uzinake ukuthi kulezi izinkokhelo anelungelo umlingani kabani umondli uye wakhonza phakathi nesikhathi sokuphila kwakhe kule Wezangaphakathi. Yilokho akuzona zonke izici impesheni isimo. Kungakhathaliseki ukukhubazeka lomkakhe lempi zifaneleke ukusekelwa ngokwezimali, uma abayeni babo bafa ngenxa senkonzo yezempi ngo izinsizwa. Kodwa kuphela lapho umfelokazi washada. Ezimweni ezinjalo, ilungelo yokukhokha agcinwe kuze kweminyaka owesifazane oneminyaka engamashumi 55. Noma nje lo mfelokazi akusho ashade.

Phela, impesheni owasinda kuyi-kumkakhe sesosha oshonile lufakwa ngisho nalapho ekunakekeleni ingane yabo, unomfowenu, udadewabo woshonile, uma amalungu esohlwini omkhaya ngaphansi kweminyaka eyi-14. Akunandaba ukuthi ingabe owesifazane enamandla noma cha.

ababasekelayo

Uhlobo esilandelayo yempesheni ekulahlekelweni umondli olulodwa - izinzuzo emphakathini. Ziyakwazi bebubuncani eRussia. Paid lapho oshonile akuyona service yempesheni.

Futhi, impesheni zomphakathi wokungakwazi umondli umfazi oshonile iphoyisa noma yimuphi omunye isakhamuzi ukusebenza lufakwa, uma owesifazane iye ukukhubazeka ayibonwa. Lo mthetho usebenza kubo bonke amalungu omndeni kwe oshonile.

Qaphela: impesheni isimo futhi umshwalense wabeka kuphela uma kuziwa izihlobo (kulesi simo nabafazi) abangenalo nerekhodi lobugebengu.

nokulungisa amaphepha

Ingabe unentshisekelo impesheni ukufelwa umfazi oshonile we umondli? Imigomo izinzuzo aphoyintimenti ezihlobene zicacile. Manje kubalulekile ukuba banake lokho imibhalo kumelwe baletha kuye owesifazane ukuba esimisiwe eyayimondla isimo uhlobo oluthile. Wamaphepha ukuthatha izinto ngokungathí sina. Kodwa, njengoba umkhuba imibukiso, ngokuvamile ukuqoqwa kwemibhalo akunankinga. Phakathi izibambiso saziso zihlukaniswa:

• isicelo impesheni (ecacisa uhlobo lohlelo noma ukukhokhelwa);
• ukuhlonza isicelo (ipasipoti);
• ubufakazi yisakhamuzi (ipasipoti esimweni nezinye izibambiso akudingekile);
• isitifiketi kokufa komyeni wakhe;
• Imibhalo eqinisekisa ubude inkonzo iyisithandwa oshonile (umshwalense impesheni);
• isitifiketi ekhombisa engu-oshonile (kangcono ukuletha i-passport yakhe);
• isitifiketi somshado;
• SNILS isicelo;
• imininingwane ye-akhawunti lapho ukuze uthumele izimali;
• ukusebenza irekhodi oshonile;
• Amandla Ommeli (uma unkosikazi akulona izikhalazo emagunyeni afanele).

Lolu hlu saziso, okuyilona elidingekayo ukuze umuntu ukubhalisa izinkokhelo zethu zamanje. Nokho, kwezinye izimo, kumele uhlangabezane ezithile iphepha ezengeziwe. Banamathele isicelo kanye amakhophi.

Amasosha kanye Ministry Interior

Pension ukufelwa umfazi oshonile we umondli (Wezangaphakathi - endaweni yomsebenzi, imithetho ephathelene nabasebenzi) ohlwini ngenhla kunikezelwe. Ngemva kwakho konke lokhu akwanele. abafelokazi ezinjalo kufanele ukuletha inguquko:

• lempi womshado ID;
• Noma yimuphi usizo ukuthi ziqinisekisa khona umufi ekwenzeni (e isimo iphoyisa, iphoyisa noma wezempi).
• Imibhalo eqinisekisa nasekumiseni Eqinisweni futhi imbangela yokufa;
• siyophetha ngenkulumo abantu ababulawe yizifo ezihlobene causality-ngqo ngenxa yokulimala noma izingozi, okuyinto wahlupheka abashade nabo ekusebenziseni.
• isitifiketi ungekho umfelokazi ubudlelwano obusha semthethweni.

Usizo olwengeziwe

impesheni Owasinda ukuba umfazi wakhe impesheni oshonile MVD (hhayi kuphela) uzobeka isimo. Ngaphezu imibhalo eshiwo ngaphambili, umfelokazi kumelwe ngizilethe, kuye ngokuthi isimo, uhlu ezithile izinkomba kanye nezitatimende. Lokhu kumele kufake:

• isitifiketi impesheni (umyeni wakhe futhi, esimweni impesheni);
• ukusiza ekutholeni umngane womshado engaphansi ekhubazekile;
• nanoma yimiphi imibhalo ebonisa ukulahlekelwa komthombo engenayo.

Kulahleke

Ingatholakala kanjani yempesheni nokulahlekelwa unkosikazi oshonile we umondli? Imibhalo engenhla, kubalulekile ukuqoqa, ukwenza amakhophi kanye babiza isicelo ukuqokwa yesibonelelo sikahulumeni. Kodwa-ke konke amacala lapho isakhamuzi ufile, kodwa iqiniso ngokufa kwakhe usumisiwe.

ke kuphela kwenzeka ukuthi abantu ukuba bahambe. Noma ukufa noma lisemsebenzini, kodwa ngezidumbu futhi ayikwazi ukutholwa. Kulokhu, lo kokukhokhwa kwempesheni kanye nabafazi nezinye abondliwa kungukuthi kukhanselwe. Vele kufanele ulinde kancane bese babiza isicelo kwi lokukhokha okuhambisanayo kwemibhalo ethile.

Yini ephathelene? Uma kuba yibona kuphela abasebenzayo emkhayeni wanyamalala, umkaso kufanele kube enkantolo ukuvuma womshado noma owafa noma owanyamalala. Lapho esekwenzile lokhu, umbono wezomthetho ezifanele. Ikhophi umfelokazi yasekuqaleni ubophekile ukwethula at ukubhalisa kokukhokhwa kwempesheni.

lapho ukuya

Yempesheni ukulahlekelwa umondli unkosikazi nezingane woshonile, kanye nazo zonke ezinye abondliwa, likhokhelwa kwezitho zomzimba ezithile. Lapho kubalulekile ukuba ikheli kudingeka isitatimende? Manje inikeza zimo ezimbalwa. Izakhamizi ohlwini ngenhla kwemibhalo kufanele zisebenze:

• Isikhwama endaweni, okuyinto a engaphansi ekhaya.
• Pension Fund yeRussia.
• FSS.
• MFC.

Uqinisile lapho ukusebenzisa, akukho mahluko ethile. Noma kunjalo-ke asho khona la mazwi futhi imibhalo ukuza FIU. Kuleyo ngosi uyothola ukudweba ukukhokhelwa esheshayo. Futhi banxuse izimali zempesheni indlela esheshayo yokuthola futhi ukunikeza impesheni.

imithetho ukubala

Yilokho akuzona zonke izici, kufanele uqaphele. Uyini yempesheni nokulahlekelwa unkosikazi oshonile we umondli? Nenani eliqondile kunzima ukubiza. Ngempela, okuningi kuncike ubude inkonzo oshonile "getter". Kukhona ifomula ekhethekile ekubaleni nelungelo. It has ifomu elilandelayo: S = K / (M * N) / BR + CL, lapho:

• S - usayizi yokukhokha.
• K - inani kwezimali ku-akhawunti impesheni umufi ngesikhathi sokufa.
• M - izinyanga, obekungadala ukukhokhelwa kwezimpesheni kwenziwa (izinyanga 228 kusukela ngo-2013, uma umuntu engazange sokumpeshena).
• N - lemali etholwe sokuhlukanisa yonke iminikelo kuya RPF 180.
• CN - isibalo abondliwa.
• BR - lemali eziyisisekelo impesheni owasinda kuyi-.

Njengoba ubona, isikhundla ezimele ukubala izinkokhelo imali kunzima. Ngakho-ke, ulwazi olunembile kufanele litholakale Pension Fund. Okuningi kuxhomeke ekutheni ukufunde esifundeni uhlala khona. Into wukuthi ubukhulu isikhundla izinkokhelo ngeke ibe ngaphansi ubuncane ukudla ezingeni endaweni ethile. Lena esinye isici esibangela nobunzima izibalo.

Izibalo for umshwalense impesheni

A indima enkulu zonke izinkokhelo yiyona okuthiwa umshuwalense yempesheni. Ngakho-ke, kubalulekile ukuba sibe bakghone ukubala baragele phambili. Wena ukukwenza kuyinkinga kakhulu. Ikakhulukazi uma ungenawo ulandele izinguquko zakamuva umthetho. Yini ukubeka impesheni owasinda kuyi-lwenkosikazi oshonile we lithathe umhlalaphansi ezempi? ukubala ifomula umshwalense wabeka yokukhokha simiswe ngalendlela lelandzelako: PS = PC * UK lapho:

• PS - yomshuwalense ukusekelwa ngokwezimali.
• PC - umhlalaphansi owasinda izinga.
• SC - ukubaluleka eyodwa Coefficient.

Lokhu ukunxeshezelwa ngokwezimali isethelwe ilungu ngalinye ekhubazekile Umndeni isakhamuzi. Inkinga eyinhloko - lena izinguquko zaphakade enanini lomsebenzi izici. Udinga ukuthola ulwazi mayelana nalesi inkomba edolobheni lakho ngqo ngaphambi kokufaka i-accrual kuxhaswa kuhulumeni. Kungenjalo, ungakwazi kalula wenze iphutha izibalo.

Ukuze abafazi lempi

ukunakekelwa okukhethekile kudinga impesheni owasinda kuyi-kumkakhe sesosha oshonile. Iphuzu liwukuthi ubukhulu yokukhokha kuleli cala kuzoncika isizathu esenza komyeni wakhe ongumfelokazi.

Uma kuziwa ezimweni lapho kwakukhona ukulimala kwempi, ukunxeshezelwa ngokwezimali ngeke azisizi 200% izinzuzo emphakathini. Uma ukufa kwaba ngenxa yokugula, etholwe ngesikhathi ukusebenza nezibopho lempi, imali nomkakhe wafaka inani 150%.

Kubalulekile ukuphawula ukuthi i-umshwalense nezimpesheni abafazi ukubeka ibhonasi eziqondile. Kuyinto ngo-2016 esuka ku-1 Februwari 2279 zonke ruble 47 kopecks. Le nkokhelo lufakwa Ilungu ngalinye lomkhaya kwe umndeni oshonile. It unikezwa bonke abafakizicelo inkokhelo ukufa ematheni "umondli".

impesheni Komphakathi

Ngomzuzu wokugcina - yilokho impesheni zomphakathi ukufelwa umfazi oshonile we umsekeli ukubeka. Lubonakaliswa nani futhi icala njalo ngenyanga. Lokhu ukunxeshezelwa ngokwezimali angeke ibe ngaphansi ubuncane ukudla ezingeni sabathola impesheni yabadala.

Ngo-2016 isilinganiso for esifundeni isethwe inkokhelo social owasinda ngaphakathi 8 500-8 600 ruble. Ulwazi oluqondile odinga ukukwazi endaweni yakho ngesikhathi accrual kwezimali. Manje sengiyazi ukuthi lokho lufakwa ukulahlekelwa impesheni umufi umondli unkosikazi. Indlela le mali? Nalokhu futhi, akuseyona imfihlakalo. Humusha imibono ibe yinto engokoqobo kungaba fast kakhulu, umane ukuqoqa uhlu ezithile kwemibhalo.