Kusankha penshoni: ndondomeko, makamaka mawerengedwe ndi malamulo

kufunika kwambiri okalamba Russia akusewera penshioni a. Lero ndi kuthetsa mmene kudziwa kukula kwa lamulo la dziko thandizo la anthu kwa amene unayendera kuti Pakufunika. Ikuchitika kusintha penshioni zinafuna kusintha zinthu zina. Za iwo sitidziwa aliyense. Choncho zimene zimaonetsa adzakhala ndi kulabadira anapuma onse m'tsogolo ndipo panopa?

Penshioni - izo

Mwachitsanzo, kodi penshioni mfundo. Osati aliyense amadziwa chimene mtundu wa boma thandizo funso.

Penshioni - malipiro mwezi wa kukula zina, accrued anatumidwa ndi anthu. Payouts akhoza mitundu yambiri. Iwo anapanga ndi zinthu zenizeni. Pa iwo Tikambirana zina.

Kusankha penshioni kumachitika kokha ngati pali zinthu zina. Pali zambiri. Ndipo malingana mwachindunji pa zimene mtundu wa chithandizo boma kumatanthauza.

mitundu ya penshoni

ndi malipiro penshioni chiyani? Chibwenzi, kusiyana lotsatirali adapangidwa pakati penshoni ku Russia:

• ukalamba;
• kulumala;
• ntchito;
• wopulumuka;
• mkulu;
• yosungirako;
• m'munsi.

Nthawi zambiri zikutanthauza penshoni ntchito malipiro. Iwo amawatumiza anthu onse amene kukwaniritsa mkulu wina. Komabe, njira zina zonse thandizo boma ndi osati kuiwala.

Age ndi zinachitikira

Ndipo pamene inu ayenerere thandizo la ndalama loterolo? Zinthu zofunika kuti aphedwe ake ndi nzika za zaka ndi zinachitikira ntchito. Pakuti penshioni munthu ayenera kufika zaka zina ndi ntchito nambala yeniyeni ya zaka. Komabe, pakalibe pensioner aliyense mkulu sadzakhala opanda n'zodalirika a. Iye akadali adzalipira penshioni ya. Koma osati kwambiri. Tikambirana ina.

Mu Russia, amuna ndi akazi lero adzipuma pa mibadwo yosiyana. Amphamvu theka la anthu ali ndi ufulu kwa choyenera mpumulo mu zaka 60. Women koma kupuma mu zaka 55. Pa nthawi yomweyo kuloledwa kunyamula ntchito yake.

Ntchito zambiri Chitaganya cha Russian - ndi kufunika kwa nthawi yaitali zonse kuwonjezeka. Mu 2016, kunali koyenera kuti ntchito osachepera zaka 5. Pankhaniyi, mungathe ayenerere ndi penshoni. Ndipo mu 2017 osachepera kutalika kwa utumiki kuchuluka kwa zaka 7.

Mpaka 2025 mu Russia dongosolo la kuukitsa zofunika penshioni a. Ndondomeko akuyitana kuwonjezera osachepera kuntchito ya zaka 15. Koma tisaiwale kuti pali nthawi si ntchito, zomwe akuwerengedwanso ngati ntchito.

nthawi za unearned

Kodi kwenikweni tikunena chiyani? Malinga ndi malamulo, si nthawi zonse munthu ayenera kugwira ntchito ndi kupeza kuntchito. Pa zochitika zina, kupanda ntchito ofunda sikusokoneza kupeza osachepera koyenera kuti cholinga cha boma thandizo ukalamba.

Ndi nthawi unearned, amene tidzakambirana mmene ntchito monga:

• kusamalira ana akhanda;
• kusamalira munthu wolumala zaka 80;
• usilikali;
• kukhala ndi mwamuna wake mu utumiki m'madera ndi mavuto ntchito ya anthu;
• nthawi ya chiphaso cha kulumala zosakhalitsa kapena kutha;
• kusamalira munthu wolumala mu Gulu 1;
• oletsedwa kukhala m'ndende;
• nthawi yogona kwa akazi / amuna oimira ndi nthumwi kunja.

Choncho, n'zotheka ntchito mwakhama onse a nthawi ya mkulu. Koma wachina chilichonse ali makhalidwe yake. Mwachitsanzo, ngati nzika lalembedwa yosamalira munthu wolumala, pakutha pa nthawi imeneyi, ayenera kupeza ntchito mwalamulo. Kwa mwamuna ndi mkazi wa oimira ndi nthumwi mkulu accrued moyo kunja la Russia, mwina upambana zaka 5. A zaka 6 zilipo kuti kusamalira ana kwa zaka 1.5 (okwana ana 4).

Boma adzaitana pa anthu athe kutenga ntchito nthawi zonse unearned kuonetsetsa kuti iwo amayenda ndi penshioni pa mlingo akuchipatala.

mwamsanga pantchito

Pa zochitika zina, akhoza mofulumira pantchito. mchitidwe izi zikuchitika ndipo mwachangu ntchito ndi anthu. Lamanja la Kusankhidwa oyambirira a penshoni malamulo Federal №400 ku December 28, 2013. Kodi izo kuti?

Anthu ena m'mikhalidwe enieni ali oyenera kukhala choyenera zina pamaso ena wene. Chifukwa imeneyi, mfundo zotsatirazi:

• kuchita oopsa kapena katundu ntchito;
• ntchito m'boma (chisamaliro chaumoyo, maphunziro, utumiki onse);
• ntchito monga oyendetsa kapena kukhala pakati pa gulu la anthu okonza;
• Ngati nzika ali ndi chochitika cha ntchito mu Far North ndi m'madera ena ofanana ndi izo.

Izi si ndandanda. Koma iye amene, kuchita, limapezeka nthawi zambiri. Nkofunika kukumbukira kuti cholinga cha penshioni kumachitika mu kukhalapo kwa nzika za mfundo zosachepera 30 penshioni. Nthawi zina, mufuna kukhala kupitiriza zina ntchito kapena kulalikira kwa zaka zenizeni.

zigawo za penshioni

Pakali pano, malipiro penshioni monga 3 Gawo. Ena mwa iwo:

• gawo m'munsi;
• zolipirira;
• inshuwalansi.

Wa zopelekazi adzakhala anapanga kuthandiza kukula kwa chiwerengero cha boma. Kutanthauza aliyense wa iwo?

M'munsi gawo amatchedwa malipiro kuliika ndalama anatsimikiza ndi boma. M'pofunika kukhala anthu.

Zolipirira gawo - tinganene kuti zimathandiza nzika ya abwana ake. Zopereka Fund Ndalama za penshoni. Iye ali ufulu wochita zopereka ziwalo. gawo accumulative wa thumba penshioni anatsimikiza ndi kukula kwa amachotsera zonse.

Inshuwalansi mbali ya penshoni - mtundu wa chipukuta misozi khalidwe la ntchito mu Russia. Kuti amatchedwa ntchito. Izo zimatengera nthawi ya ntchito, malipiro malo anapatsidwa, komanso pa msinkhu womwe panali penshioni.

Pa malamulo a ochuluka

Amachita mbali yofunika, monga zanenedwa, chobwezera cha mtundu ntchito. Kusankha penshioni - ichi ndi nuance zofunika kwambiri. Mu Russia, panali dongosolo yosavuta kuwerengetsa ndalama anagona malipiro.

Malinga ndi zimene atsopano operekedwa ndi Fund ndi penshioni ya Russia, nzika mungapeze kukula kwa boma thandizo la anthu motere: - kuchulukitsa chiwerengero cha mfundo penshioni anapeza pa moyo ndi mtengo wa mfundo imodzi. Kenako, kwa ndalama chifukwa kuwonjezera penshioni zofunika. M'kupita kupeza penshioni, oikidwa ndi boma.

The vuto lalikulu ndi kuwerenga alipo mfundo penshioni, komanso kuti mudziwe za mtengo wa mfundo zimenezi. zigawo izi zinasintha pachaka. Mu 2017, mfundo ndi ofunika 78 rubles 28 kopecks. A payout m'munsi ndi 4805 rubles masenti 11. Deta yotere ndi zogwirizana ndi February 1, 2017.

indexing

Penshioni ndalama mu Russia ndi osanjidwa pachaka. Mtundu uwu wa muyeso kuthandiza anthu olumala mu mkhalidwe yotheka. Monga ulamuliro, indexing ikuchitika nthawi 2 chaka. Kusankhidwa kwa ndalama za penshoni, sikumangotikhudza eliminations onse zotsatira basi.

Mu 2017, indexation sanali anachita. M'malo pensioners kungakupatseni mpukutu pamodzi malipiro kuchuluka kwa rubles 5000. Chotero muyeso yaukapolo. Iye anavomereza kuti mmene zinthu zinalili m'dziko la mavutowo.

Komabe si kwathunthu anathetsa indexation. N'zotheka kuwerenga kachiwiri. Recalculation a penshoni ikuchitika ndi boma. Ganizilani mmene timachitira, musachite.

penshioni chikhalidwe

zinthu penshoni ntchito zosiyanasiyana. Osati anthu onse adzapeze pantchito zaka zofunika kuntchito. Pankhaniyi, iwo angalandire penshioni chikhalidwe.

Koma ndi zofunika kusunga ena zinthu zophweka. akuti:

1. nzika ayenera kukhala ndi mtundu la Chitaganya cha Russia kwa zaka zosachepera 15. Kapena okhazikika okhala m'dziko pamaso pa nthawi anati.
2. Kufika zaka zenizeni. The penshioni chikhalidwe ndi kuyika kwa anthu onse, koma linaperekedwa pambuyo ntchito. Azimayi mu zaka 60, ndipo amuna - mu 65.

No zofunika kwambiri kumeneko. Kukula kwa penshioni chikhalidwe si monga mkulu monga mu nkhani ya malipiro ntchito.

pa udindo

Kodi chofunika kupeza mkhalidwe thandizo akalamba? ndi ndondomeko opereka penshioni ndi chiani? Kodi mukufuna kugwiritsa ntchito kukhala pensioner?

Nzika iliyonse mogwirizana ndi zinthu zimene kale kutchulidwa ayenera kubwera kwa Fund penshioni m'zigawozo Russia, ndi kulemba neno pa poika penshoni. Ndi iye akubweretsa zikalata zina. Mndandanda zimasiyanasiyana kuti gulu la nzika.

Nthawi zambiri chofunika:

• chikalata (ku FIU, kali mu malo omwewo);
• ID (pasipoti);
• SNILS;
• tsatanetsatane wa nkhani imene mukufuna kusamutsa ndalama (makamaka, koma osati);
• Kalata ya banja zikuchokera (ngati mukufuna);
• zosonyeza kubadwa kwa ana onse;
• ID ankhondo (kwa amuna);
• satifiketi kusonyeza ena omwe si ntchito nthawi yomwe tidzakambirana mmene ntchito;
• ntchito buku;
• zikalata natsimikiza khalidwe la bizinesi (ngati).

No maumboni ambiri adzafuna. Kusankhidwa ndi malipiro a penshoni ikuchitika mu mzere yayifupi. Mndandanda wa mapepala chofunika imasiyana zoopseza. Nthawi zambiri m'pofunika kuika kalata ya olumala.

Mawuwo

Kuyambira tsopano, zikuonekeratu, monga poika penshioni ntchito zikuchitika kapena chirichonse. Systems wa kuwerengetsa penshoni imatchedwanso. Mu Russia zisakuyenda kufunika kwakukulu ndi mapangidwe mbali accumulative a penshoni. Nthawi zambiri nzika kuti zopereka zaufulu ndalama payekha penshioni, ndiye kuti akalandireko kwa thumba anapanga ena ndalama.

Dongosolo penshioni la Chitaganya cha Russian - malo ovuta kwambiri za moyo wa anthu. Izo zonse kusintha. Choncho, kusintha awonetsetse nzika iliyonse. Kusankhidwa akale zaka penshioni, ngati wina aliyense, sadzachititsa mavuto kwa anthu.