A isamba semali yokukhokha sabathola impesheni yabadala abathembela futhi kanjani

Wonke umuntu, kusale esasiwafanele iminyaka eminingi ngokuphila zomsebenzi ukuphumula, unelungelo zomthetho impesheni. Ngokuvamile ubukhulu kokukhokhwa kwempesheni alanele khona ntofontofo. Ngakho-ke, isimo ziwumthwalo isibopho sokubuyisela yinhlama-sum izinzuzo impesheni e dopolnitelenie ukuze umholo ngenxa iminikelo impesheni.

izimali ezongiwe impesheni (SOPs) kukhona imiqondo

Pension ukonga - inani imali okungukuthi ku-akhawunti siqu yempesheni isakhamuzi othile ohlanganyela ephoqelelwe umshwalense impesheni e Pension Fund we Russian Federation (noma izimali zempesheni yangasese). Lezi zihlanganisa:

• inani umshuwalense, abalwe ngumqashi kulo umsebenzi wabo ngokuvumelana nemithetho yokuqeqeshelwa umshwalense yempesheni isabelo uxhaso impesheni ye isakhamuzi;
• abantu iqhaza kuhlelo lwe-zombuso co-ngezimali yempesheni - nenani umshuwalense ikhokhwe ngaphezu nawumsebenzi accumulative impesheni; inani iminikelo ezivela kubaqashi ngubani iqhaza kuhlelo co-ngezimali njengoba temuntfu wesitsatfu; inani iminikelo adluliselwe isabelomali isimo co-ngezimali ekuqongeleleni nempesheni;
• ingxenye izindlela (noma lonke inani) umndeni (umzali) inhlokodolobha, yayihloselwe kumiswa SOPs;
• imali izimali utshalomali kuchaziwe ngenhla.

Bobani SPN

SPN kwakhiwa izakhamuzi, uma amalungu saziso umshwalense impesheni uhlelo abazalwa ngaphambi 1967, futhi wasebenza / abasebenza nganoma isiphi isikhathi kusukela ngo-2001. Lezi zihlanganisa isigaba sabantu likabani ekuthandeni umshwalense ukwenza iminikelo njalo impesheni oxhaswe umqashi kusuka 2001 kuya ku-2004. Le ndoda, ozalwa esikhathini kusuka 1953 kuya ku-1966, kanti owesifazane, usuku lokuzalwa oluba ngonyaka 1957-1966.

impesheni Ixashwa itholakala komama othumele inhlokodolobha womama esebumba SPN, futhi kubahlanganyeli hlelo isimo impesheni co-ngezimali.

ezintsha Major endaweni yokukhokha SPN

Muva nje, uhulumeni waseRussia ukuhlakulela umthetho, owawuthi zonke izakhamuzi unethuba nje ukuthola impesheni yomhlalaphansi ukuphila ngezithukuthuku ukonga impesheni, kodwa futhi uthembele eyodwa-off usizo lomphakathi. Ngaphezu kwalokho, impesheni ngamunye bayoba nelungelo ukukhiqiza kokukhokhwa kwempesheni ngokushesha SPN, okuyinto akhiwa ngezithukuthuku umshwalense ngeminikelo yokuzithandela.

The kungenzeka ngokudlulisela ilungelo ukuthola SPN abazolandela futhi aye akhula. Eminyakeni embalwa edlule abazolandela bakwazi ukuthola SPN, kuphela uma isakhamuzi oVikelwe washona ngaphambi kokuba anikezwe impesheni yomhlalaphansi. NgokoMthetho, uma kwesokunxele ingxenye ezingakhokhelwa ukukhokhelwa kwempesheni esiphuthumayo ngemva kokufa isakhamuzi kwesamba, ukuthola Singasebenza owalandela. Innovations kwayithinta nezindaba of ngokulandelana SPN kwakhiwa ngezithukuthuku umzali (umndeni) enhlokodolobha.

Izinhlobo impesheni

Ngaphansi komthetho, zonke izakhamuzi, ngaphandle esaphila izinkokhelo kwezimali zempesheni, ungathembela eyodwa-off izinkokhelo impesheni.

imihlomulo yempesheni yilezi:

• ukukhokhelwa kwempesheni esiphuthumayo;
• a eyisamba yokukhokha impesheni;
• SPN, okuyinto icala ukufinyelela umhlalaphansi;
• ukukhokhelwa ye impesheni kwesamba owamlandela.

isamba semali impesheni

One-time lokukhokha yezenhlalakahle kwabahola impesheni - ithuba lokuthola isabelo impesheni yomhlalaphansi ukuphila, hhayi kuphela ngesimo izinkokhelo zenyanga, kodwa futhi njengesamba semali (ngamalungelo athile). Futhi, izakhamuzi ungathola inkokhelo impesheni esiphuthumayo, eyasungulwa ngezithukuthuku iminikelo eyengeziwe.

Ubani uncika eyisamba yokukhokha

Semali-sum izinkokhelo ezenziwe impesheni mikhakha abantu kwesamba:

1. Izakhamizi ekusebenziseni izinzuzo umhlalaphansi ngokuqondene ekulahlekelweni umondli.
2. Abantu abathola impesheni yokukhubazeka a kanye nabahola impesheni ekhubazekile ngenxa yokugula.
3. Izakhamizi abangabhalisile inelungelo impesheni ngenxa yokungabi bikho komsebenzi nakho, kodwa zingena ngaphansi impesheni isikimu isimo ngesimo impesheni zomphakathi.

A isamba semali yokukhokha impesheni: ohlinzeka

isamba semali oluzoxhasa SPN eyenziwa FIU noma NPF, kuye ngokuthi lapho umuntu kwesamba ukukhokha amaphrimiyamu omshuwalense. Ukukhokhwa yinhlama-sum izinzuzo impesheni ulawulwa yi-Government.

Uhlu kwemibhalo edingekayo

Inkokhelo eyisamba impesheni kuyindlela declarative. Ukuze uthole, kumelwe zisisebenzisa ukuze ehhovisi sendawo Pension Fund noma izimali zempesheni yangasese, ngokuthumela isicelo esibhaliwe futhi unikeze madokumende alandelayo:

• sekhadi le-isakhamuzi Russian Federation;
• isitifiketi yomshuwalense okuyimpoqo nempesheni;
• isitifiketi esikhishwe ngumhloli we legatsha indawo ye RPF, yomshuwalense kanye nenani impesheni umhlalaphansi;
• imininingwane yasebhange ekudluliseni izinkokhelo yesikhathi esisodwa kusukela SPN.

Lapho Ngingathola imali

Ngaphansi komthetho, isinqumo sekukhokhwe isamba semali luzakwenziwa kungakapheli inyanga kusukela ngosuku kulethwa isicelo esibhaliwe Pension Fund nokunikezwa amaphepha adingekayo. Nge yalokho omuhle, inkokhelo eyisamba impesheni wenziwa isikhathi esingeqile ezinyangeni 2 kusukela ngosuku isinqumo. Endabeni ka ukwehluleka lokuqoka inkokhelo, Pension Fund ngokubhala yazisa isakhamuzi ngesinqumo, kokuphawula isizathu sokuvakasha kwazo.

Usayizi isamba semali

One-time izinkokhelo impesheni incike lemali SPN abangekho ku-akhawunti yabo yomhlalaphansi, ngesikhathi sokuqokwa yempesheni zabasebenzi. Izakhamizi abazalwa ngaphambi 1967, kwakho kokubili lokho okuqokelekile impesheni kwamiswa iminyaka emithathu (2002-2004), ngakho inani wenkokhelo ezisukela ruble 5 izinkulungwane 15.

A isamba semali yokukhokha impesheni MIA

izakhamuzi Russian ngubani baxoshwa isevisi Enkonzweni Interior nge ilungelo impesheni, kanye ezithathwe irekhodi isamba semali ngesikhathi yesevisi, banelungelo lokuthola inkokhelo yinhlama-isamba nezinzuzo zezenhlalo.

izinkokhelo kwesikhathi esisodwa impesheni elinikezwayo sabo, uma ezazamukelwa phambi 1 Mashi 2005 bhalisiwe njengoba abadinga izakhiwo zokuhlala umzimba efanele Russian Ministry Interior.

Ngakho, kube nesisekelo esingokomthetho sokuthethelela ukunikeza isakhamuzi yesikhathi esisodwa usizo lomphakathi ayitholakali, uma MVD impesheni alikho emgqeni izindlu inkontileka zabasebenzi sokuqasha noma yinhlama-sum zokukhokha yangaphakathi izindaba emizimbeni.

Allowance kwabahola impesheni, kokuqhubeka kwenkonzo yakhe

Esinye nesinye isakhamuzi wesithathu Russian Federation, owakhiwa ukuhlinzekwa kwezimpesheni, baqhubeka emsebenzini wakhe. Ngokwemvelo, abantu abaningi banesithakazelo umbuzo ukuthi inkokhelo eyisamba impesheni ukusebenza ancike.

Njengomthetho, umhlalaphansi ukusebenza yinhlama-sum izinzuzo zingakutholi. Esimeni ekunqanyulweni ngenxa komsebenzi, umqashi kufanele akhokhe evamile severance pay.

Unalokhu engqondweni, njalo impesheni Russian angasebenza i SPN. Kulabo isazoba zisebenze PFRF ngenjongo lokunikezelwa impesheni, yinhlama-sum izinkokhelo bangakunaki ukuphila SPN zizokwenziwa kuhlelo lwabo ebhaliwe kanye yobudala impesheni.

Ukuze uthole isamba semali, izimo ezimbili okumelwe ahlangabezane nazo: isakhamuzi awufanelwe ukuthola inkokhelo yempesheni sokuguga (noma kakade sebethathe umhlala-phansi) futhi leyo mali yempesheni. Nakuba wokwalelwa ukukhokha isamba semali ngesikhathi PFRF ngeke. UHulumeni Russian enakekela impesheni kanye njalo yethula ezintsha e ngohlaka lomthetho ukuze izakhamuzi abeza ngeholide, noma uma udinga ukuthenga okuthile.

Kuyaphawuleka ukuthi uphathe ingxenye uxhaso impesheni kungaba impesheni ngamunye uwedwa - ungathola ke ibhekwa umsebenzi njengoba noma ucacise isikhathi ezithile izinkokhelo (lonke inani okuzokhishwa kungakapheli unyaka owodwa noma emibili noma emihlanu), kodwa ungathola ke ngesikhathi esifanayo. Inketho yokugcina kunenzuzo xaxa ezimweni lapho SPN has usayizi encane.