Umhlalaphansi emva kweminyaka 80: amabhonasi kanye nezibonelelo. RF Pension Fund

Isimo kuthatha njalo ukunakekelwa kwabantu abaye esegugile futhi, ngokomthetho isiRashiya, lusekele ngesimo usizo lwezimali. Manje abesifazane Russian hamba ngeholide eminyakeni 58, amadoda - in '63. Ngisho ngo-2011, abantu bobulili fair akahambe umhlalaphansi ngineminyaka 55, futhi oqinile - e 60. Okwamanje kuhlelwe ukwenyuka kancane engu umhlalaphansi iminyaka engu-63 kwabesifazane 65 kwabesilisa. Labo izakhamuzi abaye efinyelela eminyakeni yobudala ayisishiyagalombili, ukubeka usizo olwengeziwe kusuka isimo.

Ukwandisa impesheni emva kweminyaka engu-80

Abakhulu ukugubha iminyaka engamashumi ayisishiyagalombili, nethuba ukusebenzisa izinzuzo ezengeziwe futhi amabhonasi RF Pension Fund (Pension Fund). abantu asebekhulile abanamandla abakwazi ngokuzimela ukuzinakekela, bephoqeleka ukuba unakekele zamalungu omkhaya noma abanye abantu (ngokuvamile abahlengikazi noma abahlengikazi). Njengoba umuntu ukuthatha imithwalo yemfanelo yokuba umnakekeli ayisakwazi ukuya emsebenzini, lowo uyakuthiwa wakhokha isinxephezelo nyangazonke.

imihlomulo yempesheni ku Russian Federation inezingxenye ezintathu: isilinganiso esiphansi ruble $ 4823,35, isamba esengeziwe (impesheni uxhaso), okuyinto zikhokhelwe impesheni iminikelo umqashi kanye umshwalense ibalwa kuye ngobude yesevisi, iholo kanye nobudala impesheni yomhlalaphansi.

Ngemva 80 izinkokhelo fixed kukhuphuke ngo-100%, kanye nokwenyuka kwenani impesheni yabo uma usuneminyaka eyevile kwengu-80 ngokuzenzakalelayo kungandiswa ngaphandle wenziwa Pension Fund. Abahola impesheni nazo sikukhokhiswe impesheni sokuguga umshwalense, okuyinto predisposes yokunyuka kwemali yempesheni kanye isinxephezelo nyangazonke umuntu nokunakekela i impesheni abadala. Futhi, kuye ngokuthi indawo yokuhlala, imithetho yesifunda ungahlinzekela ezengeziwe ukwesekwa kanye isakhamuzi izinzuzo.

Ngokwazi okwandisa impesheni emva kweminyaka engu-80? Okungenani, 100% we-premium ukuze engaguquki ingxenye, okuyinto emva ukuguqulwa kuyoba eside 4823,35 futhi 9646,7 ruble. Okunye izinkokhelo wancika ngokwengeziwe izici ngamunye.

izinkokhelo esinqunyiwe

Kwabahola impesheni abaneminyaka engamashumi ayisishiyagalombili, abahlala North, lapho izinga lesifunda isethelwe yonke indawo, wenkokhelo esinqunyiwe isilinganiso iyakhula. Ucabangela isipiliyoni umsebenzi impesheni abasebenze eNyakatho Ekude yeCanada. Ukuze umsebenzi iminyaka engaphezu kuka-nanhlanu we-premium kunyuke ngo-50%, uma isakhamuzi sele asebenze iminyaka okungenani amabili - impesheni luyanda 30% lemali kokuqala.

Ukuze nempilo ende, kokuba ilungelo kokubili inkokhelo esinqunyiwe, enyakatho ngokuhlangenwe nakho iminyaka yesevisi, setha ukwanda eyodwa kuphela abalithandayo.

Ukukhokhisa for umhlalaphansi emva kweminyaka 80

Lapho ufika impesheni ayisishiyagalombili RF Pension Fund kube kuningi ngesisekelo imibhalo ukukhokhelwa iyatholakala ngaphansi akhawunti okwenziwe samuntu. Phakathi nenyanga nje eyodwa ukukhokhelwa esinqunyiwe luyanda ngokuzenzakalelayo. Ngithathe umhlala phansi oye esegugile, ngeke kudingeke ukuba sisisebenzise kuzo zonke izinqubo ezidingekayo nemibhalo Pension Fund bazohlangana ngaphandle komuntu omdala.

Ukunakekela Asebekhulile

Lokho umuntu angathatha zivalelwe impesheni phezu engamashumi ayisishiyagalombili, kubalulekile ukubhekana bebodwa noma ngokusebenzisa umuntu ogunyaziwe kuziphathimandla ezifanele, okuyinto okhokhela impesheni. Uhlu amaphepha adingekayo uma ufaka isicelo kuhlanganisa:

• isitatimende umuntu ifinyelele lokuzalwa ayisishiyagalombili, futhi kumuntu nokunakekela kwabo;
• isitifiketi esibeka ukuthi umnakekeli akuyona Umamukeli namarhubhelo wokungasebenzi futhi uthola ilungiselelo nempesheni;
• umsebenzi umlando umuntu uya anakekele owayesethathe umhlala-phansi;
• passport kokubili izakhamuzi.

Nokugcina lomuntu asekhulile angasilingisa ikhishelwe kweminyaka eyishumi nane, kodwa isidingo ukuthola imvume yomzali sivikelwe. Uma umfundi uya anakekele noma umfundi, udinga ukunikeza isitifiketi ezengeziwe esikoleni.

inkokhelo compensatory

Uma abaningi umhlalaphasi ngemva kweminyaka engu-80 Yiqiniso, yini isinxephezelo for umuntu unakekela impesheni? indexation Lonyaka (njengoba ejwayelekile kwezimpesheni) lolu hlobo inkokhelo ningagcini, isinxephezelo kuyinto ruble 1200. Eqinisweni, owayesethathe umhlala-phansi (noma izihlobo zakhe) ngokwethu uyavuma, kangakanani-ke uzokhokha kumuntu enakekela kuye.

Ngokuba yilowo nalowo isakhamuzi, okuyinto enakekela umuntu oqokwe lokukhokha isinxephezelo:

1. Kusukela yezikhalazo Pension Fund Kumiswa imigomo uxhaso-bavumelana futhi kuncike wonke amadokhumenti osebenzayo.
2. Uma abantu abahlala enyakatho ekude, khona-ke uyakucabangela isici kwesifunda futhi uya nesabelo compensatory yokukhokha.

Ukuze akhokhe isinxephezelo ukuba kuphele uma:

1. Ukufa impesheni enakekela umuntu.
2. Employment umnakekeli noma impesheni.
3. namarhubhelo wokungasebenzi noma yempesheni umuntu unakekela impesheni.
4. Ukwehluleka in the ukunakekelwa kwabantu asebekhulile.

Izinzuzo kwabahola impesheni engaphezu kuka-80

Ngaphezu usizo lwezimali, eyikhulu, ogama impesheni emva kweminyaka 80 kuzokwanda 100%, futhi inikeza izinzuzo: izikhungo zikahulumeni ahlinzeke indawo ohlala ekhaya lasebekhulile, kuyiwe zokulala ezempilo, ngokuphelele ukunakekelwa kwezempilo kwamahhala, ngisho ukuhlinzekwa kwezindlu ezintsha, uma wayeneminyaka langakufanelekela okuyisimo esisongela ukuphila isimo.

Uma kudingekile, ungakwazi ukuthola uhla egcwele services social: ukudla kanye ngosuku, iseluleko sezomthetho, ukunakekelwa ngezokwelashwa ukushiya indlu, Ukukhishwa imikhiqizo kwenhlanzeko, izicathulo nezimpahla zokugqoka.

Umhlalaphansi abangekho phezu engamashumi ayisishiyagalombili phesheya, uzothola isinxephezelo inani ruble 9117,86 sihloko nesikhombisa zoMthetho Federal. Izinguquko azenzeki, uma impesheni has isitifiketi ukukhubazeka neqembu lokuqala futhi okwamanje isakhamuzi uthola imali eyisisekelo esinqunyiwe.

Izinkokhelo abantu abaletha sincike impesheni

Pension ngemva kweminyaka engu-80 inyuka esimweni impesheni abancike amalungu omndeni ekhubazekile. Kwabahola impesheni, ngemva engamashumi ayisishiyagalombili ubudala lokukhokha omunye encike kulo liyophinde azisizi ruble 8971,62, amabili - ruble 10,253.30, futhi abathathu - ruble 11,534.95.

Abahola impesheni ngubani azifinyelelanga uphawu eminyakeni 80 futhi akuzona invalids neqembu lokuqala nomunye engaphansi ukuthola isilinganiso esimisiwe $ 5126,65 ngenyanga, amabili - ruble 6408,31, futhi abathathu - ruble 7689,97.

Ukwandiswa nempesheni kanjani it

Ukuthi ngemva ayisishiyagalombili ukuyenza ukuze athole impesheni lenyuka? Asikho isenzo ku ingxenye impesheni ayidingekile. Zonke izimali yempesheni, zikhona yolwazi lapho isibalo zonke impesheni, futhi ngemva lokuzalwa kwabo ayisishiyagalombili kwimodi okuzenzakalelayo, ukukhokhiswa i impesheni lenyuka.

Ekuqaleni kwenyanga, lapho kugujwa iminyaka engu-iza, kuziwa izindaba ezinhle kwabahola impesheni ukuthi impesheni emva kweminyaka engu-80 anda. Yiqiniso, ngezinye izikhathi kunezindlela ukwehluleka ezishintshayo umsebenzi, kodwa ngokuvamile azilutho futhi kalula reparable.

Ukuqala kokusetshenziswa inkokhelo eyengeziwe kusukela isimo nalo enikeziwe, kodwa kungase kudingeke madokumende alandelayo:

• uma kukhona ukukhubazeka iqembu yempesheni ikhokhelwa, udinga isitifiketi nokukhubazeka;
• inkokhelo eyengeziwe ngenxa ukufa umondli kufanele sigcizelelwe isitifiketi sokufa, lapho linikezwa Pension Fund.

Inqubo isicelo ithatha cishe amasonto amabili, ngemva kwalokho owayesethathe umhlala-phansi bazokwaziswa ngeposi noma nganoma iyiphi enye indlela elula.

Kuyaphawuleka ukuthi namuhla izakhamuzi abaye efinyelela eminyakeni yobudala engamashumi ayisishiyagalombili, ngaphandle kokukhetha, kufanele bathole i-impesheni lenyuka. Uma kwenzeka ukuthi impesheni siyaqhubeka ezicela ngaphandle kwezinguquko, kufanele uthintane PD.

impesheni Military emva kweminyaka engu-80

inkonzo Veterans, ngaphansi kweminyaka eyi-80, kusekelwe impesheni inzuzo. Umbuso njalo okuqinisekisiwe isimo sezimali oluzinze izakhamuzi zabo, amabhonasi lonyaka - ukukala:

• impesheni, ngubani ekuphileni kwakhe eside lidlule ngokuthi yiMpi Enkulu Yobuzwe futhi baba ekhubazekile, ukuthola iholo in inani ruble 4795;
• uma kukhona esingalungile amaqembu impesheni wenkokhelo ruble 3595;
• izakhamuzi ababesezweni kakhulu zasemakamu okuhlushwa, ukuthola usizo lwezimali in inani ruble 4795;
• kwaba nezigameko lapho abahola impesheni lempi ngokuzithandela wathatha ukuhlanganyela ngenkuthalo nezinye izimpi izakhamuzi okunjalo bafanele ibhekwa esizwakalayo impesheni ruble 2638.

Yonke imali engenhla, lapho isakhamuzi engamashumi ayisishiyagalombili ubudala kuzokwanda ezinhlanu kanti amaphesenti angu-isigamu.

Ekuphetheni

Zonke izakhamuzi Russian ngubani batholile engu-80 ubudala, ngokuvumelana nomthetho Federal, kumele zithole ezengeziwe inkokhelo yemali kwalezi zinsiza mzimba impesheni. Inani izibonelelo ibalwa, kuye ngokuthi ubukhulu, inkokhelo kanye izimo ezikhethekile (isipiliyoni eNyakatho Ekude yeCanada, omama nezingane eziningi, amasosha, abakhubazekile). I-premium obuncane ruble 4823,35.

Inani ubuncane amacala abantu ekunakekeleni impesheni, kuyinto ruble 1200. Izihlobo noma cohabitants impesheni phezu engamashumi ayisishiyagalombili ubudala, abafaneleki ukuthola inkokhelo eyengeziwe. Lapho enza sivikelwe uzodinga lezi zincwadi ezilandelayo: ikhophi yerekhodi ikhadi umsebenzi, ipasipoti isitifiketi umsebenzi isikhungo.