Mitundu ya penshoni ya ndalama za penshoni. Pansi penipeni

Pulogalamu ya penshoni ndiyo ndondomeko ya boma yomwe yakhala ikuyenda kwa zaka zambiri. Dziko la Russia linayambika posachedwapa, pambuyo pa kukonzanso. Izi zikuwonetseredwa kuti ndondomeko yowerengera malipiro ikusintha, kukula kwake kukuwonjezeka. Pali ndondomeko yoyenera yowerengetsera. Aliyense nthawi ndi nthawi amapuma mpumulo, ndipo palibe aliyense amene akufuna kulandira peresenti yochepa, yomwe ndi yosayenera. Kuti musakhale munthu wosadziwa kwathunthu, nthawi yoti mupume pantchito, nkofunika kuyesa kupeza zonse pasadakhale, ndiye kuti mutha kupumula mosayenera komanso osadandaula ndi chirichonse.

Kodi lingaliro la "penshoni" ndi chiyani?

Ndalama zapenti ndizopadera zomwe boma limapereka, zomwe zimapereka mwayi wothandizira nzika zakuthupi ndi matenda ena. Anthu olumala angaphatikizidwepo m'gulu lino la nzika; Ana omwe ataya makolo awo. Malipiro ayenera kuperekedwa mwezi uliwonse. Kuti mukhoze kupeza penshoni, muyenera kulemba zofunikira zomwe zidzatsimikizire zomwe zilipo.

Kodi ndi ndalama zotani za penshoni?

Kupatsa nzika za magulu otetezedwa ndi anthu, mapenshoni malinga ndi malamulo angagawidwe m'magulu awiri:

1. Penshoni ya ntchito - yotengedwa ndi msinkhu, kusayenerera, koma pokhapokha ngati chovulalacho chinalandiridwa popanga.
2. Pulogalamu ya penshoni imayendetsedwa ndi akuluakulu a boma ndi mphamvu, ngati pali wobadwapo kapena wolemala, adataya wachibale wapamtima amene amasamalira okalamba, komanso olumala, omwe amafunikira chisamaliro choyenera.

Malipiro a malipiro ndi mndandanda wawo

Mitundu ya penshoni ya boma ndalama zapenshoni zimagawidwa mu mitundu itatu:

1. Malipiro a boma. Mawu awa amatanthauza malipiro opangidwa kuchokera ku ndalama zomwe zimabwera kuchokera ku bajeti ya chigawo.
2. Inshuwalansi ndi mtundu wina wa anthu omwe amapita ku penshoni, opangidwa ndi anthu okhala ndi inshuwalansi. Mwachitsanzo, akhoza kukhala achibale omwe ali olemala omwe ataya mwayi wawo.
3. Chitetezo chowonjezeka chimatanthauza zambiri ku boma lomwe silili boma, chifukwa nzika zomwe zimachoka pantchito zimalandira kuwonjezeka kwa malipiro oyenera. Pankhaniyi, m'pofunika kuti tigwirizane ndi ndalama zenizeni zosagwirizana ndi boma pasadakhale.

Kodi ndalama za penshoni ndi zotani?

Mitundu ya pensheni yaumwini imakhala ndi chikhalidwe chosiyanasiyana, choncho tiyenera kukambirana payekha. Inshuwalansi ndi malipiro kamodzi pamwezi. Mkhalidwe wawo umapindula chifukwa chakuti nzikayo inali inshuwalansi ndipo inapereka ndalama za inshuwalansi kuchokera ku malipiro ake ku thumba. Mphatso ya penshoniyi imaperekedwa kwa anthu ogwira ntchito, ngakhale ndi nthawi yayitali ya utumiki. Akazi adzatha kupuma pantchito ali ndi zaka 55, amuna muzaka 60. Malipiro oterewa adzatchulidwa kokha ngati izi zikutsatiridwa:

1. Mibadwo yeniyeni idzafike.
2. Pali zochitika za ntchito, ndipo izi ndi zaka zisanu ndi chimodzi za ntchito mu kampani kapena bungwe.
3. Kuwerengera. Nambala yawo imadalira pa kulipira kwa ntchito pa malonda.

Pamene mphotho yaumphawi ipatsidwa

Mitundu ya penshoni ya penshoni ya boma ikuphatikizapo lingaliro monga penshoni chifukwa chosagwira ntchito. Penshoni ya ntchito imaperekedwa ndi boma kwa anthu olumala 1, 2, kapena magulu atatu. Kuti athe kupereka malipiro oterewa, pensioners ayenera kugwira ntchito osachepera tsiku pa malonda. Pamene matendawa sangathe kukwanilitsidwa pa zifukwa zosiyanasiyana, ndipo palibe zolembedwera m'buku la zolembedwa, nzikayo ingalandire penshoni yokha, yomwe idzakhala yochepa. Tiyeneranso kukumbukira kuti penshoni yowonjezera yowonjezera pamene patsimikiziridwa inatsimikizira kuti nzikayo inavulazidwa kuntchito, ndipo izi sizinachitike mwaluso.

Mfundo zazikuluzikulu zomwe ziyenera kuwerengedwa polembetsa penshoni kwa anthu olumala

Ngati nzika ili ndi gulu lolemala, ali ndi ufulu wopempha ndalama zowonetsera mwezi uliwonse. Ndikofunika kukumbukira kuti kulemala kuyenera kulembedwa, kudzafuna thandizo:

1. Ndalama zochepa zothandizira peresenti zidzangoperekedwa kokha ngati pali zochepa kapena zosatheka za ntchito, ndipo izi zikutsimikiziridwa ndi zilembo za matupi a Ministry of Health.
2. Ngati MCEC ikulingalira kuti nzikayo ili ndi zochepa zazing'ono, ziyenera kuchitidwa kafukufuku wamankhwala chaka chilichonse kuti athe kufalitsa.
3. Gulu lolemala lidzakhudza mwachindunji kuchuluka kwa ndalama.

Pamene munthu ali ndi chilema chonse, ndiye kuti ayenera kukhala ndi gulu loyamba lalemala, lakhazikitsidwa kuti likhale ndi moyo ndipo silikufunanso kubwerezanso. Komanso nkhani yaikulu yomwe imakhudza ambiri ndi kupereka malipiro a gulu losiyana-nzika - awa ndi ana olumala. Tiyeni tikambirane mwatsatanetsatane mafunso a mtundu wa penshoni wolumala yemwe ali ndi ana olumala komanso anthu angapo omwe ali ndi ulema angadalire ku Russia.

Ana omwe ali ndi chilema m'magulu a 1 adzatha kulipira malipiro a 12 100, omwe sagwiritsidwa ntchito m'gulu lachiwiri amalandira 10 000 kuyambira ali ana, olumala a gulu lachiwiri amalandira 5034, anthu olumala a gulu lachitatu - mabomba a 4279.

Pensheni yopulumuka

Kuwonjezeka kwa penshoni kumapangidwa pamene wopereka chakudya akufa. Malipiro amenewa amalipidwa okha kwa nzika zomwe zimadalira munthu wakufa. Malipiro oterewa adzaperekedwa ku magulu ena:

1. Ana aamuna a wopatsa chakudya amene anamwalira, koma pokhapokha ngati ali ndi zaka zoposa 18. Kupatulapo kungakhale ana a zaka zakubadwa 23, koma ngati ataloledwa ku maphunziro a nthawi zonse.
2. Akazi amasiye ndi akazi amasiye amatha kulandira malipiro kokha ngati anali olumala kale panthawi ya kutayika kwa wothandizira. Kawirikawiri izi zimachitika kaya ukalamba kapena kulemala.
3. Makolo a wopulumuka wakufa, olumala ku ukalamba kapena kulemala.
4. Limbikitsani ana.
5. Makolo osamalira makolo omwe anabweretsa womwalirayo mwalamulo kwa zaka zisanu ndi zitatu.

Ndalama za penshoni zimapangidwa ndi malamulo mosiyana pa gulu lirilonse, pomwe mfundo yofunikira ndi kupezeka kwina kulikonse kopeza ndalama zamuyaya.

Malemba a kulembedwa kwa penshoni yapulumuka

Ngati mwanayo ali ndi zaka khumi ndi zisanu ndi zitatu (18), ndiye kuti adzalandire malipiro chifukwa cha kutayika kwa wothandizira, ziyenera kupereka umboni wotsimikizira kuti mwanayo akudalira thandizo la chuma cha womwalirayo. Nthawi zambiri izi zimakhazikitsidwa mu milandu. Monga umboni ukhoza kukhala zikalata ngati izi:

1. Malipiro onse omwe akulozera kuti ndalama zimasamutsidwa.
2. Zolemba zomwe mwanayo sapeza ndalama mosiyana.
3. Umboni wa Mboni.
4. Malemba omwe amasonyeza ubale ndi womwalirayo.

Ndalama za penshoni zimaperekedwa motere:

1. Kwa nzika zomwe zinapulumuka mmodzi, mabomba 5 034.
2. Ana omwe ataya makolo onse awiri amalandira ruble 10,068.

Kodi ndalama zopuma pantchito zamwezi zilizonse ndi ziti?

Kuwerengera pa malipiro okhudzana ndi pensions, anthu omwe:

1. Iwo ndi nzika za boma ndipo amawonetsa momveka bwino zikhalidwe zonse zomwe zafotokozedwa mulamulo.
2. Alendo omwe alibe ubale wa Russia, koma omwe adakwaniritsanso zonsezi.

Penshoni ikhoza kulipidwa kwa anthu omwe apuma pantchito, koma nthawi yomweyo amapitiriza ntchito yawo. Pachifukwa ichi, izi sizili malipiro othawa pantchito, koma zowonjezera zina zowonjezera. Kukonzedwanso kumachitika kamodzi pachaka, m'masiku oyambirira a August.

Chiwerengero cha penshoni chingakhudze mtundu wa malipiro. Simungadzipange nokha mitundu iwiri ya penshoni, pali gulu lokha lokha la anthu omwe mautumikiwa angapezeke: awa ndi omwe akuchita nawo ntchito zankhondo panthawi ya nkhondo yachiwiri yapadziko lonse, nzika zomwe zavulala panthawi ya nkhondo, makolo a asilikali omwe anaphedwa pa mndandanda wa ntchito.

Mitundu ya penshoni ya ndalama zapenshoni ya boma ikugawidwa mu:

1. Kupuma pantchito pautali wautumiki. Amapatsidwa kwa anthu omwe amagwira ntchito kumunda wina. Izi zimaphatikizapo ziphuphu, antchito, antchito a boma ndi oyendetsa ndege. Chikhalidwe chachikulu cha kupeza penshoni yotere ndi kutalika kwa utumiki, zomwe ziyenera kukhala zaka zingapo.
2. Malipiro a penshoni yakale. Apa chirichonse chiri chosavuta kwambiri, nzikayo iyenera kufika ku zaka zapuma pantchito.

Ndondomeko ya kulembedwa kwa penshoni ya anthu

Musanayambe kugwiritsa ntchito mamembala ovomerezeka, nzika yomwe ikuyesa kuwerengera ndalama za penshoni ya anthu akuyenera kubwereka zikalata za penshoni yakale. Ngati uyu ndi nzika yaku Russia, ndiye chikalata chachikulu chake ndi pasipoti, kwa alendo - chilolezo chokhalamo. Mfundo yofunikira ndi kutalika kwa utumiki ndi chitsimikizo cholemba. Dipatimenti ya Pensheni iyenera kupereka buku lolembera ntchito pachiyambi komanso chikalata cha inshuwaransi. Zidzakhala zowonjezereka kugwiritsa ntchito malangizo apadera ku ngongole ya penshoni ya chigawo chanu, popeza mungafune zina zambiri. Ndondomeko ya kulembedwa kwa penshoni imatanthawuza kukhalapo kwa zaka zisanu ndi chimodzi za utumiki. Tiyenera kukumbukira kuti amayi akhoza kupuma pantchito ali ndi zaka 55, amuna - pa 60.

Malemba akuluakulu owerengera penshoni ndi zaka

Kuti mudziwe zolembera zapenshoni ya ukalamba, muyenera kutumiza zikalata zotsatirazi ku Fund Fund ya Pension:

1. Chidziwitsocho chikutsimikizira kuti ndi ndani. Monga lamulo, iyi ndi pasipoti. Chidziwitsochi chimalongosola tsiku la kubadwa, malo okhala ndi dziko limene nzikayo amakhala.
2. Mawu olembedwa ndi dzanja la munthu amene akupereka zikalatazo.
3. Ndondomeko ya ndalama. Kalata yotereyi ikhoza kutengedwera ku bungwe limene munthuyo amagwira ntchito. Icho chidzasonyeze zomwe amapindula mu miyezi yapitayi.
4. Chizindikiro chodziwika.
5. Amuna ayenera kusonyeza tikiti ya nkhondo.
6. Ngati pali ana, muyenera kupereka umboni wa kubadwa kwawo.

Kodi ndi ndalama ziti zomwe ana a nkhondo amawerengera?

Nzika za ku Russia, omwe anabadwa panthawi ya nkhondo, ndizochikhalidwe, zomwe zingadalirenso kuthandizidwa ndi boma. Pensheni ya ana a nkhondo imadalira makamaka pazifukwa zina. Kuti mupeze udindo wa mwana wamkhondo, muyenera kuyamba kulankhulana ndi Office of Social Protection. Pakadali pano, anthu othawa pakhomowa angathe kuyembekezera kuwonjezeka kwapenshoni yawo, yomwe ndi 300 - 5000 rubles pa mwezi. Mosiyana, nzika iyi idapatsidwa madalitso ena:

1. Kuchotsera kulipira zothandiza.
2. Kugula mankhwala.
3. Ulendo woyenda pagalimoto.

Zosintha zatsopano zokhudzana ndi ndondomeko ya penshoni

Kusintha kwa penshoni kukupitirizabe kuchitidwa mwakhama, ndikugwirizana ndi izi zomwe ndondomeko ya penshoni yakhazikitsidwa posachedwapa. Malamulo atsopano pa ndalama za pensions adalandiridwa, zomwe zinayendera bwino kukula kwa ndalama za penshoni. Pulogalamu yomaliza ya penshoni yathandiza:

1. Kuwonjezera phindu la inshuwalansi ndi 4%.
2. Boma likuyang'anira kuti nthawi imodzi yopindula ya ruble 5000 inalipidwa. Pa phindu limeneli akhoza kuyembekezera ndi othawa kwawo omwe akugwirabe ntchito, ndi omwe sapita kuntchito.
3. Kuyambira mu August chaka chino, padzapangidwanso katundu wambiri, komwe kuphulika kwa chaka cha 2016 kudzakumbukiridwanso.

Monga momwe mukuonera, mitundu yonse ya penshoni ya penshoni ya boma ikufuna kuphunzira mosamalitsa. M'nkhani zoterozo, otsogolera m'tsogolo ayenera kukhala oyenerera ndikuwunika kusintha komwe kumachitika chifukwa cha kusintha. Kuti mudziwe zambiri, m'pofunika kupempha thandizo kwa antchito oyenerera pa thumba la penshoni omwe adzatha kudziŵa malamulowo ndi kuwerengera bwino momwe anthu amapindulira. Ndikofunika kuti munthu aliyense akhale oyenerera pazinthu zotero, chifukwa m'tsogolomu izi zingadalire tsogolo lake. Poyambirira muli mwayi wofufuza mu funsoli ndi penshoni yanu yowonjezereka, mwayi wochuluka wochokera ku boma zomwe zili zoyenera kwa nzika.