Chilamulo Federal № 400 "Pa Insurance penshoni" mu mawu osavuta. Chilamulo Federal wa 12.28.2013

A mbali yaikulu pensioners onse amasewera FZ-400 "Pa Insurance penshoni". Chinthu ndi dongosolo penshioni nthawi zonse zowawa kusintha mu Russia. Kotero inu muyenera kukhala ndi chidwi chaka, zimene zidzachitika kwa anthu amene afika zaka zopuma pantchito, mu nthawi inayake. Amene ndi kulandira malipiro inshuwalansi? Kuti pati ndi allocated thandizo la pensioners wa mtundu uwu? About mokoma onse ayenera kukambirana pasadakhale. Pambuyo kusintha onse posachedwapa, amene anadza mu mphamvu 2016, mozama bwanji dongosolo penshioni ya la Russia.

Zinthu pakutchulidwa wa ndalama

Chinthu choyamba muyenera tcheru - ichi ndi chikhalidwe cha zosayembekezereka ya malipiro penshioni. 400 FZ wa 28.12.2013 bwino imalongosola malamulo pokhazikitsa penshoni inshuwalansi. Ngati zinthu si anakumana, musati ayerekeze kuti mtundu thandizo.

Pa nthawi, izo akunena kuti athandize inshuwalansi linaperekedwa kwa anthu onse amene afika zaka zopuma pantchito. Akazi Russian kutenga udindo wa pensioners ku 55, ndipo amuna - mu zaka 60.

Tikumbukenso kuti nthawi inshuwalansi mu nkhani iyi ayenera kukhala zaka zosachepera 15. Ndiko kuti, ngati pa nthawi iyi, nzika anapereka ndalama kwa Fund ndi penshioni, ndi woyenera kuti zoperekazo. Koma si onse.

Mfundo ndi yakuti Russia tsopano akuchita dongosolo la koefishienti. Pakuti chaka chilichonse ntchito nzika adzakhala accrue mfundo zina ndi koefishienti. Yotsirizira ayenera kukhala osachepera 30. Only ndiye ndi zinthu zonse kuwerengetsa penshoni inshuwalansi kwa anthu wamba.

wolumala

Koma ichi ndi mtundu umodzi wokha wa inshuwalansi kuthandiza anthu pantchito-zaka. Pali Mabaibulo osiyanasiyana zochitika. Monga masamu ndipo analipira inshuwalansi chilema penshioni?

Malinga ndi Chilamulo 400 December 28, 2013, kwa malipiro uyu ali ndi ufulu kwa anthu onse amene ali mu ichi kapena m'badwo umene unakhazikitsidwa chilema. Iye adawalamulira kaya zosiyanasiyana zimene zingapangitse kuti Mwachitsanzo, bwanji malipiro, koma anthu wathanzi kwathunthu.

M'mawu ena, inshuwalansi, ndi chilema penshioni chidzankhalira kwa aliyense amene ali ndi chilema. Osati zofunika kapena mkulu, kapena vuto la ndalama nzika, kapena msinkhu wake. Ngakhale matenda kapena chikhalidwe ena osati udindo. Ngati munthu wolumala magulu 1-3, ndi woyenera kuti ubwino inshuwalansi ngakhale ngati mwana.

wopulumuka

Pali chitsanzo china. Chinthu ndi phindu inshuwalansi ingaperekedwe chifukwa imfa ya breadwinner lapansi. Koma nthawi zina, ndi amene ali ndi ufulu izo? Pa nthawi, lamulo amapereka malipiro a penshoni anapulumuka kwa anthu onse amene amadalira munthu wakufayo. Kachiwiri, zaka si zofunika.

Koma 400 FZ "Pa Insurance penshoni" lili ndi mfundo yofunika kwambiri. Amadalira ayenera kuiona ngati olumala. Ngati munthu, amene ankasunga breadwinner womwalirayo paokha sachiza, thandizo la boma sangadalire.

Kodi Mzimuyo kuchuluka kwa penshioni

Tsopano m'pofunika kumvetsa zimene magawo zidzakhudza kuchuluka kwa ndalama penshioni. Amene ali woyenera kwa inshuwalansi penshioni? Zikuonekeratu kuti zidalira pa mtundu wa kupereka. Koma kodi ndi zinthu ziti zimene zimakhudza mwachindunji kuchuluka kwa chithandizo ndalama mu nkhani iyi?

FZ-400 akusonyeza nambala ya zinthu zimene angadwale kapena kuchepa kuchuluka kwa milandu inshuwalansi kwa anthu. Kodi kwenikweni tikunena chiyani? Pa nthawi imeneyi, zochokera m'chilamulo, Ndizachidziwikire kuti malipirowo zimakhudza zinthu zotsatirazi:

• zopereka munthuyo Fund Ndalama za penshoni kwa chaka kuchokera nzika;
• Chinthu penshioni kwa chaka wapatsidwa;
• kuntchito (njira zina).

Motero, nzika zambiri anawamasulira kuti moyo wake Fund ndi penshioni, m'pamenenso mudzamulandira. Utali wa utumiki amakhudza chiwerengero cha mfundo akamagwira wina wantchito. Munthu amene sanalandire osachepera zofunika, kupeza inshuwalansi penshoni sangatero.

Kodi m'gulu la asilikali ntchito

mbali zina ziti ayenera kulabadira? Chinthu ndi lamulo penshoni (400 FZ wa 12.28.2013) amapereka nthawi zina zimene si ntchito, koma akuwerengedwanso ngati kuntchito. Iyi ndi mfundo yofunika kwambiri. Ndipotu, sikuti nthawi zonse kugwira ntchito zawo. Ife angayembekezere kuwonjezeka mu kutalika kwa utumiki zinthu zotsatirazi:

• Ndime ya usilikali (atathana yaitali);
• zina usilikali;
• msonkhano pansi mgwirizano;
• kusiya kusamalira mwana kwa zaka 1.5 (koma osati oposa 6 zaka okwana);
• nthawi imene nzika kulandira phindu ulova;
• kupeza m'ndende lamulo;
• pochita nzika patapita zaka 80, komanso ana olumala ndi akulu olumala, gulu 1;
• pamene akukhala ndi mwamuna wake mu mzinda wa asilikali pa mgwirizano utumiki.

Mfundo pamwamba akhoza zimachitika mkulu. Choncho, intervals wa nthawi deta adzatengedwa nkhani pa mawerengedwe a penshioni. Inde, kuntchito ambiri.

kakyulasi

Kodi mawerengedwe a penshioni? Funso ndi chidwi anthu ambiri. dongosolo, anatulukira mu Russia, sikutanthauza aliyense kudziwa akuluakulu onse. Iwo akhoza mosadalira awerenge chiwerengero ofunika kulandira ndalama ngati inshuwalansi penshioni pa nkhani zosiyanasiyana.

Pankhani accruals ukalamba, komanso kulumala, ndi kugwiritsa ntchito mfundo P = K * IC komwe:

• P - penshioni;
• K - chiwerengero cha mfundo yagoletsa ndi nzika pa ntchito;
• CK- kufunika 1 Mfundo pa nthawi malipiro penshioni.

Kuchuluka kwa inshuwalansi penshoni ukalamba tsopano bwino. Ndipo nanga bwanji ngati tikulankhula za malipiro anapanga chifukwa cha imfa ya breadwinner chiyani? Imeneyi, timagwiritsa ntchito chilinganizo ofanana, koma izi:

• P - ndi kukula kwa ndalama penshioni;
• K - chiwerengero cha mfundo yagoletsa pa wolandira ndi athandizi ndi;
• Luso ndi ndani - mtengo wa 1 mfundo yeniyeni imene ntchito ikuchitika malipiro penshioni ya wopulumuka.

Palibe zovuta za izo. The vuto lalikulu ndi kuti n'zosatheka kunena chimodzimodzi chimene chidzakhala zambiri mtengo chinthu m'tsogolo. Choncho menyanani kuwerengetsera tsogolo amapanga sazindikira.

malipiro amodzi

Anaphunzira za malamulo amapereka malipiro amodzi inshuwalansi penshioni zazikulu mosiyanasiyana. mtundu uwu thandizo zina ndi boma.

Chaka chilichonse, malipiro ayenera osanjidwa. Ndipo FZ-400 amapereka tsiku lenileni, amene anapanga ponso ndalama lokhazikika. Ndi February 1.

Komanso dziwani kuti kuyambira pa 1 April, 2015, boma la Russia ali ndi ufulu adzaika zina indexing zinthu thandizo kwa anthu. Koma pakadali zinthu izi si anakumana. Mfundo ali ndi zifukwa zake.

Amene? Mmene zinthu izi lili mpaka 2017. kusintha izi anadza kugwira ntchito mu 2015. Choncho, Russia chaka chilichonse zovuta malipiro atathana inshuwalansi penshioni, koma si nthawi zonse amakwanitsa kuchita zimenezo.

kuchuluka enieni

The FZ-400 "Pa Insurance penshoni" si chinaneneratu kuchuluka enieni chofunika kulipidwa mu mawonekedwe a ndalama atathana ndi zopereka penshioni. Ichi ndi sizachilendo, chifukwa Chiwerengerochi kusintha chaka chilichonse. ndi malamulo a 2016 chiyani?

Mfundo ndi yakuti zowonjezera anawagawa m'magulu angapo - wakale wa m'badwo ndi invalids a magulu 1-2, komanso ndalama padera zilipo kwa anthu olumala magulu 3. Mu January 2016 ndi ndalama anali ankalemekeza 4383 rubles masenti 59 2191 Ruble masenti 80.

Koma mu February chaka chomwecho panali indexing. Tsopano nzika kulandira inshuwalansi china akale zaka, komanso kulumala 1 kapena magulu 2 of 4 558 rubles 98 masenti pamwezi ndipo pa 3 gulu chilema - 2 279 rubles 47 masenti. kusintha aakulu kwambiri, koma makamaka chofunika kwambiri, kuti indexation yokha zinachitika.

Kodi ntchito kwa

Kodi aliyense ayenera kulabadira? Chinthu ndi kuti FZ-400 "Pa Insurance penshoni" akusonyeza bwanji kupeza zopelekazi. Kodi ungapite zolemba, amalola kuti asankhe thandizo lotereli?

Pa nthawi, nzika ndi pang'ono kanthu zina. Ali ndi ufulu wochita apilo:

• ndi dera lawo ndalama penshioni;
• ndi FIU;
• kudzera zipata "ntchito Public";
• mu malo multifunctional.

Ilo liri mu nzika deta Mwachitsanzo ndi mwayi kulandira inshuwalansi penshoni ayenera kugwiritsa ntchito mawu ndi akonzedwa makamaka mapepala. Lamulo anaphunzira ananenanso kuti abwana ali ndi ufulu chifaniziro ndi mankhwala a pensioner ndi m'malo mwake mu matupi tatchulawa kwa mawerengedwe a premiums inshuwalansi. Koma zimenezi zimatheka ndi chilolezo olembedwa a accrual tsogolo la wolandira.

Documents kwa

Ndipo kodi kupeza inshuwalansi penshioni pa nkhani zosiyanasiyana? Nthawi zambiri, anthu ali oyenera mitundu yambiri ya thandizo boma. Pankhaniyi, muyenera kusankha mtundu wanji wa penshioni. Choncho kuwerenga malamulo okhazikika mu Russia. FZ-400 "Pa Insurance penshoni" mndandanda zonse zolembedwa wofunikila cholinga thandizo boma. The Russian Fund penshioni kapena bungwe lina lirilonse amkoka penshioni, inu muyenera kubwera ndi mndandanda wa zikalata:

• umboni Pawokha (pasipoti wa nzika ya la Russia);
• SNILS;
• ntchito inshuwalansi penshioni (m'pofunika amasonyeza malipiro inshuwalansi a);
• satifiketi penshioni ;
• mbiri ntchito;
• zikalata ndi akupanga kutsimikizira nthawi zina sanali-opareshoni, koma zokhudzana ndi mkulu;
• zosonyeza kubadwa kwa ana onse;
• ndi Tingafinye pa nkhani patokha nzika;
• ID ankhondo (kwa amuna).

Komanso kutenga umboni uliwonse umene munthu salandira penshioni ina. Pamene nzika apita ku FIU zikuoneka kuti mfundo imeneyi kufufuzidwa pa malopo. Ngati mukufuna kulandira ndalama kubanki, anafotokoza mfundo yakeyo.

Pankhani ya penshioni kwa kulumala kapena wopulumuka Pakufunika zikalata kutsimikizira olumala ndi anthu. Kuphatikizanso Buku aliyense zikusonyeza amadalira olumala (ngati imfa). Kumene, iwo akhoza kufunsa kalata ya imfa ya munthu, limene analembapo olandira tsogolo penshioni.

zikalata zonse zimene tanena ayenera kulankhula ndi kumabungwe oyenera. Iwo m'pofunika kuti atenge buku la pepala. Komanso, izo onani. Ndipo ngati zikalata zonse kuti, nzika adzayamba accrue inshuwalansi penshioni.

Osati aliyense

Mfundo ina yofunika - mu 2016 thandizo ankafufuza kwa pensioners ayenera zaka zosachepera 7 kuntchito, komanso 9 mfundo penshioni. Ngati zinthu izi ndisanakumane, ndi penshioni dziko chikhalidwe adzaphedwa.

malipiro monga wopulumuka ndi sanagaŵiridwe nzika ndi chikhulupiriro chigawenga. Kapena ngati angathe kusonyezedwa malipiro inshuwalansi akuchita kuti waphetsa breadwinner lapansi.

Izi ndi zinthu zofunika zimene ziri zinadzala ndi inshuwalansi penshioni. lamulo Federal amakhazikitsa mfundo zofunikira kuwerengetsa zopelekazi. Koma zonse nkhani kusintha. Choncho zovuta kunena mmene zinthu ndi inshuwalansi zinthu penshioni adzakhala zaka zingapo. Mwachitsanzo, kuukitsa zaka zopuma pantchito tsopano akukambirana Russia. sitepe Izi asanene kwa FZ-400 chizindikiro chake.