Insurance kalata ya boma inshuwalansi penshioni

Mogwirizana ndi kusintha penshioni, amene unayambitsidwa mu Russia mu 2002, anayambitsa ochepa malangizo ofunikira. Ichi ndi chifukwa kufunika waperekedwa ndipo ukutitsimikizira ufulu penshioni anthu Russia, amene atuluke mu nthawi zovuta kuzimvetsa zaziwerengero, ndicho nthawi imene chiwerengero cha anthu wamphamvu ukugwira chiwerengero cha pensioners ndi iwo amayamba kupereka njira. Choncho, pali chosowa lero kusungitsa ndalama, lomwe m'tsogolo sadzakhala yokwanira maudindo onse penshioni.

Monga mbali ya kusintha iyi, kuchuluka kwa premiums inshuwalansi operekedwa Fund ndi penshioni la Chitaganya cha Russia, kupanga likulu penshioni munthu aliyense inshuwaransi. Iye akukhala gwero umene disbursements adzapatsidwa za penshoni. Dziwani kuti kuchuluka kwa ndalama zimene zatchulidwa pa nkhani munthu wa anthu inshuwaransi anawagawa mbali ziwiri: kuvomerezedwa inshuwalansi penshioni ndi ndalama zolipirira mbali ya penshioni. Pa nthawi yomweyo, aliyense wa ife ayenera kulandira gawo lawo accumulative wa madongosolo penshioni. Panopa tili ndi ufulu yopeza olipiridwa zawo mbali ya penshioni kuti NPF - Non-boma ndalama penshioni nawo mu co-ndalama za pulogalamu, etc. Zonsezi umalimbana kotero kuti ife tikhoza kudzapeza kukula kwa awo pantchito mwini m'tsogolo. Kuchuluka kwa ndalama penshioni, limene likuwerengedwa kwa m'nkhani wapadera wa munthu ndiye gwero la malipiro kwa gawo ndalama zolipirira wa penshioni ya.

Insurance kalata ya boma inshuwalansi penshioni akhale munthu aliyense. Ntchito nzika kulandira kalata ya mokakamizidwa inshuwalansi penshioni kuti ntchito ntchito, pa mapeto a mgwirizano, mgwirizano ntchito, pamene kuwaika pa zochitika, ndi nawo ntchito zosiyanasiyana, etc. chikalata ichi amalandira munthu inshuwaransi. Iye akutsimikizira munthu mayina a boma dongosolo inshuwalansi penshioni.

Mu malamulo atsopano Kalata inshuwalansi ya boma inshuwalansi penshioni ndi chikalata akangobadwa. Ndiyamika laling'ono pang'ono khadi wobiriwira mu zipatala ana amapatsidwa mankhwala ufulu. Kupereka dipatimenti penshioni ya malo okhala buku la kalata kubadwa mwana ndi chizindikiro za unzika ndi magazini a masamba ena a makolo zitupa mwana akhoza kutenga satifiketi inshuwalansi ya boma inshuwalansi penshioni. Dziwani kuti satifiketi inshuwalansi ya boma inshuwalansi penshioni adzakhala chikalata pasanathe mwezi umodzi.

Kulandira kalata ya boma inshuwalansi penshioni m'pofunika kutsimikiza pakalibe nsikidzi mu izo. Mwina molakwa amasonyeza dzina labambo, patronymic, tsiku ndi malo a kubadwa. Kalata ya mokakamizidwa inshuwalansi penshioni musungidwa ndi anthu amene inshuwaransi ndi kokha woyikidwa iwo ntchito ndi zinthu zina zofuna chitsimikizo chakuti munthuyo mayina Fund Ndalama za penshoni.

Ngati kalata zotayika za boma inshuwalansi penshioni, nzika ntchito ayenera kugwiritsa ntchito kwa abwana ake. Nzika amene si ntchito, mwina kudziletsa amatchula Fund ndi penshioni ya ku Russia komanso kupeza chibwereza. Komanso, ngati pakhala kusintha kwa wanu deta, mukusimikiza ndi kupereka umboni wa mfundo zimenezi, ndipo fomu ndi kusintha Kalata inshuwalansi. Ngati inu kusintha malo okhala ayenera kukhala amadziwa PF mu malo okhala wanu watsopano, kuyambira malowa amapangidwa chaka kudziŵitsa nzika iliyonse ya boma ya nkhani yake payekha, komanso zambiri pa ndalama accrued pa ndalama penshioni.