Kodi penshioni chikhalidwe?

Social penshioni - mmodzi wa mitundu ya chithandizo boma. zoperekazo angayenerere nzika anthu amene zifukwa zina sanathe kupeza ufulu penshoni, koma, ngakhalebe, ndikufunikira ndalama panopa. Kodi penshioni chikhalidwe? Ndani angatsatire pakuti? Kodi kupanga chithandizo boma? nkhani zonsezi chidwi ambiri.

penshioni Social: pang'ono za mbiri

Ndipotu, mtundu uwu wa kupereka ndi mbiri yakale kwambiri. Choyamba, penshioni chikhalidwe ankaona chinachake pa udindo kapena mphotho. Amadziwika kuti demobilized magulu a asilikali achiroma anali kulandira phindu zonse - Likutsindika kufunika ndipo anasonyeza misonkhano yayikulu kwa anthu a dziko.

Koma pa nthawi, ndalama boma anagula chikhalidwe. Ndipo kwa nthawi yoyamba penshioni anali ovomerezeka ndi zaka zopitirira zana zapitazo ku Germany. Mu 1908 ndi penshioni chikhalidwe anaonekera m'mayiko ena, makamaka Australia ndi UK. Boma US koyamba lamulo la riziki mkhalidwe wofananawo za 30s kwa zaka za m'ma 20. Mu Russia, malipiro okalamba anaonekera yekha mu 1956.

Ndani angatsatire kwa penshioni chitukuko?

N'zoona kuti nzika iliyonse ali ndi ufulu kulandira malipiro oterowo. Monga tanenera kale, ndi penshioni chikhalidwe amaperekedwa kwa anthu amene, chifukwa cha zifukwa zina, sangathe kulandira phindu ntchito. Pansipa ndi magulu a anthu amene angapemphe kuti akalowe kulembetsa wa penshioni ndi :

• Choyamba ndi Dziwani kuti boma thandizo kwenikweni ana olumala.
• Komanso, malipiro angakhale woyenera akulu olumala choyamba, chachiwiri kapena chachitatu gulu.
• Amuna amene wakhala mfumukazi zaka 65 ndi akazi zaka zoposa 60.
• Palinso chinthu monga chikhalidwe penshioni imfa ya breadwinner. Izi zikutanthauza kuti amathandiza boma linapatsidwa kwa ana osakwana zaka 18 amene ataya kholo kapena makolo onse. Komanso, nthawi payout ukhoza zaka 23 pa nthawi imene mwanayo pa kuphunzira azilandira bungwe lililonse maphunziro.

Mwachibadwa, kuti alandire chithandizo cha boma, muyenera kupereka yothandiza imfomeshoni yofunikira.

penshioni Social: zimene zikalata zofunika kuti aphedwe ake?

Kuti athe thandizo chikhalidwe, lankhulani ofesi ya chitetezo chikhalidwe. Pali ukauzidwa zimene zikalata zofunika kutsatira. KUMANGA chikalata ndi pasipoti. Komanso, muyenera kupereka kalata okhala ndi banja zikuchokera.

Pamene kugonjera zikalata mogwirizana ndi matenda, muyenera kupereka lipoti zachipatala pa za umoyo. Ngati mukufuna penshioni chikhalidwe pambuyo pa imfa ya breadwinner, ndi yothandiza tisatongwa zolembera kalata ya imfa ya kholo (makolo kapena okuyang'anirani), kuti atsimikizire chizindikiro cha mtetezi malamulo (ngati mwanayo pansi 18). Ngati mwana ali pa maphunziro okhazikika, m'pofunika ndi kutsimikizira kwa bungwe la maphunziro.

Koma kukula thandizo boma, atsimikiza payekha malinga zimayambitsa ndi zikhalidwe za kukhala. Komanso, nkhani akutengedwa ndi mtengo wa osachepera ang'onoang'ono. Choncho, chikhalidwe penshioni mu Moscow kungakhale yokulirapo kuposa thandizo la boma mumzinda wina aliyense.

Pambuyo Kutengera amapezeka chofufuzidwa, kenako okha oyambirira adzapereke chiyambi.