Umshwalense abasebenzi ngokumelene izingozi: izici nezimfuneko

Okwamanje, umshwalense ubhekwa indilinga, esivikela yokubhekana nezimo ezihlukahlukene. Isevisi wenziwa impahla, ibhizinisi, futhi ukuphila. Lomshuwalense izingozi ukuvikela izithakazelo zabantu uma izingozi kanye nezinye izimo eziphuthumayo.

Umcabango

Imisebenzi ezindaweni eziningi ukukhiqizwa kuyingozi ukuba abantu, ngakho umshwalense abasebenzi kuyimfuneko. umphathi Sam ukukhiqizwa kungaba ukuthathelwa umshuwalense ke njengoba impahla yakhe. Uma kukhona ingozi, isisebenzi noma kumqashi ithola isinxephezelo.

Le sevisi uzovikela izithakazelo yengozi, ngenxa obekukhona kuwo ukulinyazwa kwempahla, impilo noma ukuphila. Umshwalense wemboni usebenza ngesisekelo inombolo uMthetho Federal 125 sangomhla ngonyaka 1.01.2000.

izinhlobo

Lomshuwalense izingozi emsebenzini uhlukaniswe:

• I-saziso;
• yokuzithandela.

Tinhloko izinkampani kumele ahlinzeke umshwalense umsebenzi isithiyo. Ngenxa yalesi, uyahamba i-Social Insurance Fund okuzokwenziwa njalo ukukhokha izinkokhelo. Lo mcimbi kwesamba kungenzeka kuphela ingozi, kodwa futhi ukugula, ukulimala, okuvela kulo mkhakha.

umshwalense zokuzithandela abasebenzi kuyadingeka ukuze ulungise amaphutha umthetho. Uma umphathi uyavuma ukuba sikhiphe inkonzo enjalo, khona-ke kwandisa ukuthembeka enkampanini. Ukuze wenze lokhu, khetha enkampanini yomshuwalense.

Obani umshwalense kuphoqelekile?

umshwalense okuphoqelekile kuyadingeka ukuze bavikele izithakazelo zomphakathi kanye impahla:

• lapho nokukhubazeka;
• yokugula;
• ukufa.

Kumelwe bahlelekela:

• ubuso, wahlela ngaphansi inkontileka omsebenzi;
• abantu abamukele i ukulimala noma umonakalo empilweni;
• enecala kokwenza umsebenzi.

umshuwalense social

umshwalense Social abasebenzi ekukhiqizeni amandla eRussia. Lawula kwenkululeko inombolo umthetho 125 Isevisi kuyadingeka ngoba bonke labo abasebenza ngaphansi inkontileka omsebenzi, kanye ngokuba abantu yicala baqashwe ekukhiqizeni izinto.

Umthetho ukuze yamalungu zihlanganisa:

1. izinkampani Russian kanye angaphandle ezisebenza eRussia.
2. SP, ephetha izivumelwano abasebenzi kanye nezivumelwano.

I umshwalense kubhekwa i-Social Insurance Fund. isabelomali sayo kungenxa izinkokhelo zenyanga yomqashi ngoba isisebenzi ngasinye. Inani iminikelo Kumiswa ngesisekelo iholo.

Ngo Art. 8 zoMthetho Federal uthi izimali zisetshenziswa:

• izinzuzo ngonobangela;
• isinxephezelo ukufa;
• ukukhokhela ukwelashwa, ukuthengwa kwemithi, ukulungisa.

umshwalense yokuzithandela

Zokuzithandela yomshwalense abasebenzi Kwenziwa ngesisekelo imithetho elotshwe Art. 934 we Code Civil. Imigomo nokubambisana eyasungulwa amaqembu yesivumelwano, esiphakathi inkampani futhi isakhamuzi. Isisebenzi liyakushunyayelwa isinxephezelo ikhokhwe esimweni umshwalense. Iminikelo ikhokhwe ngumqashi.

umshwalense zokuzithandela umsebenzi ngumqashi ubhekwa kuzo ukusekelwa ngezinto ezibonakalayo ekulungiseleleni ukulimala siqu ekwenteni imisebenti yabo. Izinzuzo zihlanganisa ikhono ukunquma:

• izimo;
• mayelana nokufaka izimali;
• imithetho kanye nenani izinkokhelo;
• imigomo yomshwalense.

Imigomo Nemibandela

Lapho ababulawa umshwalense abasebenzi, kudingeka ufunde, lokho izimo zicatshangelwa umshwalense. Lokhu kungaba isimo:

• ukukhubazeka zesikhashana;
• ukulimala ngenxa yezingozi;
• ukuthola nokukhubazeka;
• ukulimala aluhambisani nawo ekuphileni.

umcimbi Womshuwalense isimo lapho umsebenzi elimala ukuthuthwa inkonzo lapho uya emsebenzini noma kokubuyela ekhaya. Kodwa akekho noyedwa kuwo:

• infliction ngenhloso ukuzilimaza;
• ukwenza izenzo ezingekho emthethweni;
• ukuzibulala;
• ingqondo ingozi.

umonakalo okungezona yezimali akufakwanga esigabeni 'umshwalense icala ".

Amalungelo nezibopho umqashi njengoba yisiboniso yezokuphepha

Umqashi nomuntu oVikelwe anelungelo:

• ekutholeni ukwaziswa besiKhwama;
• ethola izindlela iqinisekiswa kwemibhalo nasekusetshenzisweni kwemali;
• lokuvikeleka kwezifiso ezisemqoka ezingumphumela izithakazelo enkantolo.

Ukuze umqashi yemfanelo zihlanganisa:

• ukukhokhelwa kwezimali;
• ukwazisa Isikhwama ezingozi;
• isaziso sokushintsha kwenkululeko inkampani;
• ukwazisa abasebenzi mayelana nokwenzeka kokuguqukela kwakhe kulokho besiKhwama;
• ukubuyisa imali uma iminikelo awakaze akhokhelwe.

umshwalense Esifike Ngesikhathi ubhekwa izindawo umthwalo. Linikeza ukuphepha kudingekile nezimo zokusebenza endaweni yokusebenza. Iphinde kunciphisa inani izingozi, izifo emsebenzini.

izinkokhelo

Uma semthethweni abasebenzi umshwalense, lapho umcimbi insured wabeka yokukhokha:

• isinxephezelo yesikhashana isikhathi nokukhubazeka;
• inkokhelo yesikhathi esisodwa;
• izinkokhelo zenyanga;
• Survey yokukhokha.

izindleko nokuvuselelwa letifaka ekhatsi:

• ukwelashwa;
• ukuthengwa kwemithi;
• amasevisi spa;
• ukudalwa lokufakelwa kwezitho;
• ukuthengwa kwezimoto;
• ukuphinda uqeqesho;
• zohambo.

Lapho ukufa isinxephezelo umsebenzi enikeziwe umndeni noma izihlobo. umshwalense ngokuzithandela kwabasebenzi lenhlangano ngokuvamile kuhilela ukuthola ukunakekelwa kwezempilo kwamahhala ukuze bayothola ukwelashwa.

Intengo

Isebenza 32 umshwalense yamanani ezihlukahlukayo Amathuba izingozi emsebenzini. Khetha kubo ngesisekelo inkampani. Umshwalense amazinga kungenzeka uhla 0,2-8,5%.

Isikhwama umshwalense

Le nhlangano ihlinzeka umshwalense okuphoqelekile okwenziwa ezikhungweni abasebenzi ngokumelene izingozi. Lokho aholele isinxephezelo kubantu. Isikhwama ayikwazi kuphenduke ngenye inkampani yomshuwalense. Ukuze isinxephezelo noma inkokhelo kuyadingeka ukuhambisa lezi zincwadi ezilandelayo:

• umbiko wengozi noma iphepha ngalesi sifo;
• amadokhumenti nomholo isilinganiso;
• isiqinisekiso uhlobo kokuvuselela ngokwemvelo kwezindawo;
• bazisise umsebenzi ohlelekile;
• isitifiketi sokufa;
• Imiphumela luhlolo;
• Ekugcineni, ubuchwepheshe lezempilo nezenhlalo.

Amakhophi liyakushunyayelwa eqinisekisiwe ngumuntu ummeli olungisa izivumelwano. Umshwalense kubhekwa indlela yokuvikela oqashiwe futhi umqashi. Uma kubalulekile, ukunciphisa inani izingozi, kanye isiqinisekiso sokuthi isinxephezelo kudingekile zizonikezwa.

umshwalense impesheni

Okuyimpoqo umshuwalense yempesheni abasebenzi okuqinisekisa ukuphepha amalungelo ezakhamizi. Futhi kusebenza abantu bokufika kuleli abahlala eRussia. umshwalense zokuzithandela kubhekwa ukuba ngaphezu kwako, okuyinto Ukuvikelwa eziqinile. Isevisi ikuvumela ukuba buthelela imali ukuze kwakhiwe impesheni esizayo.

umshwalense zokuzithandela ikhishwa ngesicelo. Phakathi kwezinhlangano kuyinto inkontileka lapho ubukhulu isethwe futhi izimiso tonkhe tincenye tekuhlola. Nge uhlelo olufana nalolo kulindeleke impesheni ayakufanelekela. umshwalense zokuzithandela Kwenziwa yizinkampani ezehlukene. izimali esingeziwe kwesabelomali kungukuthi ezihlobene kumiswa kwezimali.

umsebenzi ngamunye bangakhetha yamanani yakhe umhlabeleli nezinkonzo. Kumiswa impesheni is ngenxa iminikelo ngaphansi inkontileka. Izinkampani zomshuwalense ukuqapha ukugcwaliseka okuphelele futhi ezifika ngesikhathi of izibopho. Ngenxa yokwehluleka ukufeza izimo kuhlinzekelwe umthwalo.

Izinkampani zomshuwalense lensizakalo ezifana yilezi:

• izinkampani;
• izimali ngasese.

NPF - Okungenzi inzuzo amabhizinisi ukuthi bekwi yokuzithandela umshwalense inhlangano (Isigaba 2 zoMthetho Federal № 75.). Inhlangano iklayenti kungaba umuntu wemvelo. Abatshalizimali kulokhu kuthenga uzobe oVikelwe. Nguye idlulisela izimali.

inkontileka kuphothulwe phakathi kwezinhlangano. Lesi sivumelwano, owawuthi yokukhokha ukubeka imali eyengeziwe eyenziwe izimali. Uma umzuzi ungumuntu wemvelo, inkokhelo phakathi okulandelayo:

• impesheni;
• yinhlama tibalo;
• lokukhulula lemali.

Phezu ukuqedwa kwenkontileka inkampani yangaphandle abakwazi ukuthola umvuzo. kuphakama izikweletu kanye umshwalense icala lokuqala. Inkontileka izoqedwa uma kwezibopho zombili izinhlangothi ziyaneliswa.

Kunezindlela umehluko ambalwa kusukela DPS yomshuwalense ayimpoqo:

• isivumelwano sokuqala kuqinisekisiwe, kanti eyesibili - uMbuso;
• Esimweni sokuqala, ufisa, kanti eyesibili - kuyadingeka;
• inkonzo yokuzithandela, ungakhetha intengo ne-oda kwenkokhelo kanye amazinga kanye base yentela inqunywe OPS umthetho;
• nge DPS, ungakhetha inkampani, kanye esimweni sesibili, izimali zidluliselwa izimali extrabudgetary;
• isabelomali NPF kudalwa ngokweqile uma utshala imali kanye imali, kanye nezimali zikahulumeni adaliwe sibonga iminikelo ngumqashi;
• inkonzo yokuzithandela kuyinto uhlelo ebalulekile emsebenzini, okuyimpoqo - tariff nokukala.

State ukunikeza umshwalense ayimpoqo. Kuyadingeka ukuze sivale lapho sisilela ekwelapheni abantu, inkokhelo kwezimpesheni nezibonelelo. A yokuzithandela akhethiwe njengoba oyifunayo, futhi kungaba kuphela ubheke ezindaweni ezithile. Bobabili amasevisi ibalulekile, ngakho lapho kudingeka ukuklama unake imininingwane.