FL 400 - Chilamulo Federal pa Insurance penshoni. FZ 400 ndemanga

Kodi inshuwalansi penshioni? Yankho la funso limeneli ali nambala 400 FZ "Pa Insurance penshoni". Ndi lamulo limeneli ayankhidwa m'nkhaniyi.

Pa lamulo malamulo

Anagonjera ndalama cholinga malinga ndi Russian Constitution. Ndi cholinga kukhazikitsa maziko kwa zikamera ndi kukhazikitsa ufulu monga inshuwalansi penshioni. Cholinga cha lamulo № 400 FZ ndi kuteteza ufulu wa Russia mu inshuwalansi ndi penshoni anapereka pansi mokakamizidwa mtundu inshuwalansi penshioni. Ndipo apa ayenera kumwedwa nkhani zofunika zokhudza ntchito ndi lathu zokhudza chuma ku dziko ndi mfundo za lamulo lalikhulu ladziko la chinkhoswe malipiro nzika penshioni.

Tiyenera kulankhula za lamulo malamulo a gawo la penshioni. № 400 FZ - si lamulo yekha lolamulira chobwezera cha mtundu penshioni. Apa tiyenera amatchulanso nambala 156-FZ "Pa Insurance Social" Chilamulo Federal "Pa nkhani ngati munthu makampani inshuwalansi," komanso ena malamulo ena. malamulo onse, malinga ndi Article 2 № 400 FZ, cholinga kulimbitsa dongosolo alipo penshioni ndi modernize izo.

Za mfundo zazikulu

Panopa normative kuchita lili ndi chiwerengero chachikulu mfundo kwambiri apadera, amene adzakhala ofunika kulabadira. Kodi inshuwalansi penshioni? Malinga ndi lamulo, malipiro ndalama lomwe lili ndi mwezi, azilipira kwa malipiro ndi inshuwaransi pa zosayembekezereka wa zaka vuto. Nkofunika kuganizira nthawi inshuwalansi. Lamulo limati zinachitikira inshuwalansi amatchedwa kuti nthawi okwana ntchito nthawi, imene ndi premiums mlandu kwa Fund penshioni Russian.

mfundo ina yofunika - ndi penshioni china. Malinga ndi chiwerengero cha 400 FZ "Pa Insurance penshoni" ndi njira yapadera yomwe kusonyeza ufulu penshioni ya munthu inshuwaransi mayunitsi wachibale. Mtengo wa chiŵerengero angakhale chiŵerengero cha kuchuluka kwa premiums inshuwalansi mtundu wa chithandizo penshioni ndalama.

Ndani ali ndi ufulu inshuwalansi penshioni?

Zimene anthu ali ndi mwayi wolandira mtundu inshuwalansi penshioni? Malinga Article 4 № 400 FZ, izo ziyenera kukhala anthu ndi nzika Russian amene inshuwalansi wapadera. Nthawi zina, ali ndi ufulu penshioni, achibale a anthu inshuwaransi amene sangathe kuchita zinthu ntchito. Apa tiyenera zidzawonjezedwa alendo ndi anthu stateless.

Malinga Article 5, akhoza analoledwa kupeza penshoni inshuwalansi ndi mtundu onse nthawi imodzi. Nzika ali ndi ufulu kulandira penshoni inshuwalansi ali oyenera kukhala penshioni ya kumtima kwawo. Zotsatirazi mitundu ya premiums inshuwalansi:

• mogwirizana ndi kupeza udindo wa olumala;
• ubwino anapulumuka;
• ukalamba.

Nkhani 7 amakhazikitsa malamulo a chuma mtundu inshuwalansi penshioni. Choncho, ndalamayi angathe kukonzedwa, kufanizira ndi kuchuluka kwa ndalama malipiro a penshoni inshuwalansi-mtundu. asinthire saloledwa kamodzi kokha pachaka mu bajeti ya chaka chatsopano ndi nthawi anakonza.

Mfundo za kuika ndalama za inshuwalansi penshioni

Mu Chapter 2 Chilamulo Federal № 400 FZ mwatsatanetsatane kuwulula Mitundu zodzinenera inshuwalansi, komanso zikhalidwe awo kukhazikitsa. M'nkhani 8 zifika mapangidwe malipiro penshioni imasonyeza isanayambike ukalamba. Malamulo zaka atumiki aboma, a asilikali ndi boma. Khazikitsani nthawi ya zaka zosachepera khumi ndi zisanu ndi penshioni pamaziko a inshuwalansi. Komanso limayankhula za alionse, zomwe sikudzakhala zosakwana 30.

Nkhani waika 9 malamulo ndi penshioni kwa Ine olumala, II kapena III gulu. Malinga ndi lamulo, kuvomereza nzika olumala zitha kukhala wapadera mankhwala-chikhalidwe bwino. Chifukwa cha kulumala, inshuwalansi moyo kapena nthawi ya ntchito si chikhalidwe cha mapangidwe penshoni chifukwa chilema. Apa ndi okwanira kulowa ntchito yapadera pa magulu chilema.

Pomaliza, Nkhani 10 ya malamulo funso amatanthauza mlandu wa imfa. Malinga ndi mchitidwe normative, mwayi kulandira inshuwalansi penshioni kupeza breadwinner a m'banja amene sangathe kugwira ntchito. Insurance zinachitikira womwalirayo breadwinner alibe udindo - akhoza ngakhale.

Pa poika inshuwalansi

Chilamulo Federal № 400 FZ "Pa Insurance penshoni" nthawi mwatsatanetsatane dongosolo la poika inshuwalansi. Nkhani 11 akunena za nthawi ntchito kukhala mbali pa nkhani imeneyi. Choncho, ntchito yofunika ku Russia. Pa nthawi imene ntchito anali imawunikidwa zopereka bajeti ya mtundu inshuwalansi FIU. nthawi ntchito, anachita kunja boma Russian, ndi malamulo payokha.

Nkhani 12 tsatanetsatane anaulula nthawi kuti anapereka kwa Gawo 11. Izi ndi zimene waima apa ntchito:

• Magwiridwe nthawi ya usilikali;
• mawu a kulembetsa ndi ma benefiti pansi ncha soc mokakamizidwa. inshuwalansi;
• nthawi yosamalira ana (umayi tchuthi);
• nyengo ntchito phindu ulova;
• akuti kupanda nzeru kukopa nzika kuti udindo pa chigawenga zinachititsa kuti sitili zosakhalitsa mwayi kuchita zinthu ntchito;
• nthawi ya kusamalira munthu wolumala zaka zoposa 80.;
• nthawi zina zafotokozeredwa Article 12 a bilu pansi kulingalira.

ndondomeko Kusankhidwa kwa nthawi inshuwalansi ndi chiyani? Tidzafotokoza ina.

The ndondomeko ya kuikidwa inshuwalansi

Pamwamba anafotokoza mikhalidwe zikuluzikulu za mapangidwe nthawi ya mtundu inshuwalansi. Nkhani 13 ndi 14 Chilamulo Federal № 400 FZ malamulo mapulani malinga ndi zomwe anagwira mawerengedwe a ndondomeko zinachitikira.

Mawerengedwe a nthawi ziyenera kuti kalendala. Pamene kuwerengera nthawi zonse kuti angakhale m'gulu mwalamulo mu mtundu wa zinachitikira inshuwalansi, ayenera zikutsimikiziridwa ndi chikalata wapadera wosindikiza mabwana kapena maulamuliro boma payekha. Grounds kwa munthu kulembetsa mfundo ndi umboni wa panyengo zosiyanasiyana m'gulu m'bukuli. Ntchito yonse ochuluka, kulembetsa ndi matsimikizidwe a inshuwalansi anakhazikitsa boma la Russia.

Za kukula kwa ndalama

Chiwerengero cha 400 FZ, luso. 15 kumachitika parsing wa m'botolo, malinga ndi zimene anatsimikiza kuchuluka kwa ndalama za penshoni. Malinga ndi chilinganizo kusamvana akale-wopulumuka kapena kulumala ndi mankhwala a munthu penshioni koyefishienti mtundu ndi phindu la koyefishienti ngati tsiku limodzi lokha, limabweretsa imodzi mwa nthawi pamwamba.

Nkhani 16 amakhazikitsa kanjedza yeniyeni. Choncho, ngati tikulankhula pensioners gulu III, mtundu inshuwalansi penshioni anawonjezera pang'ono kuposa 3,9 zikwi. Rubles. Amodzi mlingo umene kukula kwa ndalama kwa inshuwalansi penshioni ayenera osanjidwa pachaka.

Pa nthawi atasankhidwa

M'Mutu 5, № 400 FZ (ndemanga ndi kuwonjezapo kwa 2017) Anaika malamulo ndi cholinga cha inshuwalansi nthawi penshoni. Choncho, Article 22 amatanthauza pansi pa ntchito mtundu inshuwalansi penshioni. Malipiro pansi pa lamulo, woikidwa ndi izo mpaka tsiku lino. Ngati nzika wachita sadagonja ulamuliro yoyenera mbali ina ya zolembalemba zofunika penshioni, inu ingaperekedwe akuchedwa kwa miyezi itatu.

mtundu penshioni inshuwalansi awerenge pamaso mankhwala akuti okha nthawi zina:

• Old zaka - kuchokera tsiku la kuchotsedwa ntchito, ngati nzika yofunsira malipiro anati si mwezi kuposa wina ndi tsiku kuchotsedwa;
• Kulumala - tsiku la kuzindikira nzika olumala, ngati panali pempho pasanafike chaka chimodzi kuchokera tsiku anati;
• pa nthawi ya imfa ya breadwinner ndi - ngati pempho anali akadandaule pasanafike chaka chimodzi kuchokera tsiku la chitsimikizo cha imfa ya breadwinner lapansi.

malipiro penshioni chilema zakonzedwa kwa nthawi ya kutchuka kwa nzika olumala. Malipiro kwa zaka zaka kapena opulumuka nthawi zonse.