UmthethoState kanye nomthetho

Pension - kungcono ... Kuyini umshuwalense social kanye nempesheni

Kunokuba umuntu osekhulile kuyinto impesheni? Kubalulekile kuye noma cha? Kungani? Yiziphi ukubukwa wakhe? Iyini inzuzo ngokuya nokugcina ukuzinza indlela social ukuxhumana? Zonke lezi mibuzo izophendulwa kulesi sihloko.

Pension - Iyini?

Ngakho ngokuthi izinkokhelo zenyanga ukuthi wabelwe abacacisiwe njengoba umthombo okuxhasa ngaphansi kwezimo ezithile. Yabelana ezintathu izinhlobo impesheni:

  • nomphakathi;
  • yabasebenzi;
  • umshwalense.

Ngamunye wabo has izici zayo siqu, okuzoxoxwa kamuva esihlokweni. Amanani lezinkokhelo ukuthi umuntu uthola, kunqunywa zikahulumeni eliphakeme. Uhlu abantu abangase ancike ukuthi imali eyenziwe imithetho sikahulumeni. Umzimba omkhulu, ephatha amacala impesheni kuyinto Pension Fund.

impesheni yomhlalaphansi

Unikelwa lapho umuntu engena amandla ku ukukhubazeka ifinyelela asebekhulile. Ukuze uthole it, udinga bahlanganyele umsebenzi noma kweminye imisebenzi okunenjongo. Kungaba ikhokhwe ngesikhathi sokuguga. Wakhe anqunyiwe uma lowomuntu eye agcwaliseka isikhathi ngenxa, kuleso simo kuyoba yempesheni yeminyaka engu-service. Lokhu kukuvumela ukuba amboze yonke imikhakha yomsebenzi womuntu, ikhumbula izici eziningi.

Impesheni iyona ifomu evamile umrholo ngebanga lokuqatjhwa umsebenzi ukuze kusizakale umphakathi. Ubukhulu bayo incike ubukhulu okulinganiswa, inkokhelo kanye umshuwalense. By the way, ngaphambi kwalezi izingxenye ezifakwe ngokwehlukile. Kodwa ngo-2010 sekushintsha konke. Futhi manje zonke ngokobungako impesheni yomhlalaphansi. Ngenxa indlela ekhethekile zomshuwalense akuyona nje wodwana. Ngakho, ake baqonde ukuthi umshwalense impesheni ezinjalo. Yini lokho?

impesheni umshwalense

Lena nyangazonke imali yokukhokha ivala isikhala izakhamuzi inkokhelo noma ezinye imali, bathola phakathi umsebenzi. Futhi kulezi izinkokhelo ungenza abantu bafanelekele abangamalungu womndeni kwesamba uma wayesefa.

Yiziphi izici zalesi engenayo? Udinga ukwazi ukuthi usethe imali ethile emisiwe. Kuyinto bathembele ngokuphelele ezintweni uhlobo impesheni. Unyaka ngamunye, state okukhonjiwe yokubhadala. Ingasatshenziswa ekuqaleni, kodwa kuphela ngaphansi kwezimo ezithile. Lokhu kungenzeka kuphela uma abantu wayesebenzela laba izinhlobo zomsebenzi, lapho likhuluma ngokwanda kwabantu abathola muntu Coefficient impesheni izenzo. Pension umshwalense - uhlobo yokukhokha kuleli cala, oqala oluzoqhutshwa ngokufinyelela eminyakeni engu-60 no-55, iduna nensikazi, ngokulandelana. Ilungelo ukuba ngidle leli imikhakha ethile kwezenhlalo futhi professional izakhamuzi.

impesheni zomphakathi

In practice, lokhu umqondo kungaba igama elifanele ngaphezulu "usizo". impesheni Social ingase yabelwe ezimweni ezinjalo:

  1. Lapho ufika yokuguga. Yena bangathembela abesilisa nabesifazane (abaneminyaka engu-60 no-65, ngokulandelana), ubude sevisi esingaphansi kweminyaka emihlanu. Kuze kube yimanje, izinkokhelo ngokunqaba inani ruble ayizigidi 5. Ngaphezu abantu oshiwo ngenhla ungase ufanelekele abameleli umhlalaphansi abantu encane bomdabu enyakatho. Lapha, incazelo yaleli gama ngale ndlela: iminyaka engu-50 no-55 kwabesifazane labesilisa ngokulandelana. UHulumeni usethe uhlu ekhethekile yezizwe kabani abamele ayatholakala impesheni ezinjalo. Lokhu kuphela kwenziwa kulabo abahlala ezindaweni yomdabu futhi ukwenza ukudoba, isici yabo: ukuzingela, ezaziphila ngokufuya, nokunye.
  2. Owasinda nokukhubazeka. Esimweni sokuqala, itholakala izingane ezincane kuphela, kanye labo uneminyaka engaphansi kwengu-23 ukuthola imfundo yabo esigcwele esikhungweni semfundo. impesheni Ukukhubazeka kungenziwa kuphela atholakala uma iqembu umuntu ongu-1, 2 noma wesithathu wabelwa. Ngaphezu kwalokho, kufanele sigcizelelwe isenzo lapho ngihlolwa. Ubukhulu izinkokhelo ezisukela 4 kuya ruble ayizigidi 11.5.

Izici kwezimpesheni nomphakathi

Iqiniso liwukuthi ngaphambi kwakukhona izingxabano ezingokomthetho. Babenza nje bavunyelwe umthetho ngo-2010. Khumbula ukuthi impesheni zomphakathi ongacela kuphela umuntu engakutholi zabasebenzi. Imigomo nalokhu okulandelayo:

  1. Umuntu alihambisani izidingo ngawo enqwabelene impesheni yomhlalaphansi.
  2. Okokuqala, isicelo ukuqokwa TS kwafakwa, kodwa kamuva wasuka ngaphambi lemali aqine.
  3. It inelungelo impesheni yomhlalaphansi, kodwa umuntu akazange asifake isicelo ukubala yayo.
  4. TP useqokwe, kodwa umamukeli yayo ayishiya ngu ukugcwalisa nesicelo esifanele.

Kumelwe sikhumbule ngaso sonke ukuthi umuntu bangalindela ukuthola impesheni eyodwa kuphela.

Usayizi izimpesheni in Russian Federation nezwe

Ake sibheke ukuthi ubukhulu ukufinyelela ekukhokheleni Insimu Russian Federation futhi kwamanye amazwe. Kuzothatha ku ukwaziswa okunokwethenjelwa, ngakho esihlokweni ukunikeza impesheni olunembile ngo-2015:

  1. Komphakathi - 8300 ruble.
  2. Impi invalids - 28 490 ruble.
  3. Owasinda - ruble 8040.
  4. Ukukhubazeka - ruble 7994.
  5. Labor sokuguga - ruble 13 900.

Njengoba isibonelo ukuqhathanisa, ngisho impesheni isilinganiso eMoscow - ruble ayizigidi 14. Manje ake zidlule emhlabeni. Izinhloso luhlolo uzobe enza emazweni ahlukahlukene (kuhlanganise nomakhelwane wethu). Usayizi izinkokhelo adlulisiwe ruble Russian:

  1. Ukraine - ruble 4000.
  2. Belarus - ruble 9916,24.
  3. Kazakhstan - ruble 14 166.
  4. Greece - ruble 32 468.59.
  5. Germany - ruble 79 329.99.
  6. US. Lapha, i-wenkokhelo ruble mayelana 67.997. Kodwa khumbula ukuthi impesheni kuleli zwe has a indlela ekhethekile. Futhi ukuthi ngomqondo ogcwele, ngeke kubhekwe. Kukhona abalulekile umhlalaphansi utshalomali uyabuya.
  7. Armenia. Uma isimo Ukraine zingachazwa ngezinqubo empini futhi ukwenqena ka izigwili ukusebenzela ezinhle kuleli zwe, khona-ke lolu hlelo isimo libhekene impesheni ongaphakeme, okulingana ruble 5,666.42.
  8. Bulgaria. Uneziqu izinga ephansi kunazo zonke-European Union. He is ruble 7932,99.
  9. Georgia. Ngenxa yesimo esinzima sezomnotho ezweni, inkokhelo Isilinganiso emhlabeni 3399,85 ruble.
  10. Estonia. izimpesheni lihlale ezingeni eMoscow. Futhi kuyinto ruble 14 449.37.
  11. Finland. Umholi uhlu lwethu. Pension kulo 2015 - 112 317,51 ruble.

On the Russian Federation ukubeka izwi

Njengoba ubona, impesheni - kungcono ukwesekwa kuhle asebekhulile. Yiqiniso, ngenxa nezici eziningana ezahlukene okungalungile ukuqhathanisa ipharamitha eyodwa kuphela. Njengoba ibhekwa kwakungeke ubuhlungu kakhulu futhi ukubhekana neqiniso kangakanani emazweni ahlukahlukene kubhasikidi umthengi futhi lokho kuhlanganisa. Kodwa nokho kuyasiza impesheni impesheni ucishe njengabakufanelekele ukuhlaziswa ube kude izinsuku zabo.

isiphetho

Njengoba ubona, Russian Federation abakwazi ukuqhosha impesheni eliphakeme kunawo wonke emhlabeni. Kodwa ngo-CIS, izinto ezinhle kakhulu. Yiqiniso, lena akuyona wukuphela ofuna iphendukele unombono mayelana amazinga okuphila. Ngakho, uma iqhathaniswa impesheni Ukrainian, kungenzeka ukuba uqaphele igebe elikhulu. Kodwa ngenxa yokuthi imikhiqizo umthengi oyinhloko wande eshibhile maqondana naleyo ezithengiswa ezivulekile we Russian Federation, umehluko akuyona njengoba esikhulu njengoba kubonakala efika kuqala. Ngakho-ke, ukucacisa lapho abahola impesheni baphile kangcono, kubalulekile ukubheka amandla hhayi kuphela ezinkulu ubukhulu izinkokhelo, kodwa futhi izindleko ukudla okuyisisekelo, Tinsita kanye nemithi.

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