Kuwerengetsera za penshoni ya ukalamba, kapena Kuwerengera penshoni yako

Mfundo zazikulu mu chiwerengero cha penshoni

Pulogalamu ya penshoni yakale imawerengedwa molingana ndi Lamulo 173-FZ, loperekedwa ndi boma la Duma mu December 2001. Lamulo limatanthauzira mfundo zazikulu za penshoni yowonjezera, monga kutalika kwa ntchito, yomwe ndi inshuwalansi ya penshoni. Zimatanthauzidwa ngati nthawi yomwe munthu amapereka zopereka ku thumba la penshoni . Kupitiliza kuchuluka kwa ndalama za ndalama za penshoni, ndikuwerengera ndondomeko ya kuwerengera ndalama za ukalamba wakale.

Malemba ndi msinkhu wa kuwerengera kwa penshoni, zomwe zikuphatikizidwa mu chiwerengero chowerengera

Kuchuluka kwa penshoni kumadalira gawo lolipirira ndalama ndi inshuwalansi. Gawo la inshuwaransi ndilo nthawi yonse ya ntchito, kutsimikiziridwa ndi zolembedwera mu bukhu la ntchito la penshener. Lamulo limalingalira kutalika kwa utumiki ku Russia ndi kunja. Ndondomeko yodziwira kutalika kwa ntchitoyi ikufotokozedwa mu lamulo (chithunzi 10, ndime 2). Mutu 11 umatchula nthawi zina za ntchito zimene zingakhalepo muutali wa utumiki.

Kuwerengera kwa penshoni yakale kumaphatikizapo mbali yaikulu ya ndalama zapenshoni (yakhazikitsidwa ndi boma la Russian Federation ndipo mu 2012 ndi BC = 3170 rubles). Ngati banja liri ndi odalira, CU idzakhala yochuluka (malingana ndi chiwerengero cha odalira, kuchuluka kumawonjezeka). Gawo lachimake limasinthidwa pamodzi ndi malo ena antchito (Far North, kupanga zopweteka, ndi zina zotero), izi zikuwonetseredwa ndi Chilamulo, mu Article 14. Kumbukirani kuti kupempha ndalama za penshoni n'kofunika pasadakhale, miyezi iwiri kapena itatu isanathe zaka zisanu.

Momwemo wa inshuwalansi gawo

Gawo la inshuwalansi ndilo MF (limene limapezeka ndi kuwerengera) = PK / T. Ndilo maziko owerengera ndalama za penshoni zakale. PC - iyi ndi ndalama zambiri za penshoni, yomwe imawerengedwa ngati tsiku limene munthu amagwiritsira ntchito kuwerengera ndalama za penshoni. Mwachidule, kalata T imanena nthawi yomwe cholinga chake chimalipira penshoni, iyi ndiyiyiyi miyezi 216. PC ndi nambala yomwe imapezeka panthawiyi.

Nthawi yowerengedwa

Chinthu chovuta kwambiri ndikutanthauzira molondola kuchuluka kwa ndalama za penshoni pamene mukudziwerengera nokha za penshoni yakale. Mndandanda wa kuwerengera ndalama zapenshoni umatchulidwa mu Gawo 30 la Chilamulo ndipo umatanthauzidwa monga: PK = (RP - BCH) x T. Pachifukwa ichi, RP imayesedwa motere: RP = CK x RR / LR x SZP.

Mtsitsi wa SK wophunzitsira oyenerera, amawerengedwa ndipo amadalira zaka zambiri zomwe munthu ali nazo. Zaka makumi awiri ndi makumi awiri mphambu zisanu ndizochita 0.55. Chaka chotsatira cha ntchito chimawonjezera ku UK chiwerengero cha 0.01, koma chiwerengero chonse cha SC sichingakhale chachikulu kuposa 0,75. Khalani ndi zoposa zaka 50, coefficient ya 0.75 ndi denga.

ZR ndi malipiro a ogwira ntchito kwa miyezi 60, kuyambira nthawi imene wogwira ntchitoyo analipira malipiro, omwe amatsimikizira ndi chikalata chochokera kuntchito yomwe inaperekedwa ku dipatimenti ya ndalama. Miyezi 60 imatengedwa pa nthawi iliyonse ya ntchito, mosasamala kanthu kuti palibe kupumula kwa utali wautumiki. ZP ndi chisonyezero cha malipiro ambiri ku Russia pa nthawi yomweyo, chiwerengerochi chikhoza kupezeka ku Pulezidenti ya Pension. Ngati mukukana, lembani zolembazo ndi pempho kuti ndikuuzeni za chiwerengerochi.

FFP ndi deta yomwe boma limapereka pafupipafupi m'gawo lachitatu la chaka cha 2001, yomwe inafotokozedwa mu ndalama zokwana 1671. Chiwerengero ichi chinakhazikitsidwa ndi Boma la Russian Federation kuti awerengere penshoni, popeza kutuluka kwalamulo sikusinthe. Choncho, muyenera kuwerengera kutalika kwa ntchito yanu, kuwonjezerapo ndi ndalama zomwe mungapeze mutatha kugawa malipiro a pensheni (agawani malipiro anu ndi miyezi sikisi makumi asanu ndi limodzi) ndi malipiro ambiri ku Russia, ndipo muwonjezere kuti ndi 1671 rubles.

Timalandira FP (yotchedwa penshoni ya ukalamba), timayika nambalayi mu PK = (RP - BCH) x T, kumene chiwerengero chonse chidziwika kale. Timalandira ndalama za penshoni. Timayesa inshuwalansi (onani ndondomeko pamwambapa). Timagwirizanitsa ndi gawo loyambira, timapeza penshoni.

Werengani ndi kuwerengera

Kuwerengera kumaphatikizapo gawo lolipirira ndalama, koma osati kwa aliyense. Zimadalira chaka cha kubadwa ndipo zimatsimikiziridwa ndi Chilamulo. Choncho, powerengera ndalama za penshoni yakale, munthu ayenera kumvetsa mfundo ya kuwerengera, kumvetsetsa ma formula, ndiyeno kuwerengera. Ngati mutasokonezeka ndi chiwerengerochi, tengani Chilamulo ndikuwerengera zonse kuyambira pachiyambi, mothandizidwa ndi nkhaniyi ndi Chilamulo mutamvetsetsa ndi kuziwerengera nokha.