Esibhedlele - bathweswe ... amava sekhefu lokugula. abagulayo-uluhlu

Ukuba umqeshwa waya esibhedlele, ngoko kwisebe accounting umbuzo yendalo kuvela, kuya kufuneka ukuba indlela ukuhlawula. Kakade ke, kuba abasebenzi abanamava khangela emva zonke iinguqu kuwiso-mthetho, akukho ngxaki. Kodwa ezimali abaselula kubalulekile ukufumana phandle zonke iinkcukacha ukwenzela ukuba ukwazi ukujonga, xa kubulawa abagulayo. Njengembuyiselo ethe ngenxa nexesha incapacity umsebenzi - kuyimfuneko ukufumana phandle kwangaphambili.

Ngubani ofanelekileyo ukuba ikhefu lokugula

Ngamnye umqeshwa oqeshwe ngokusemthethweni unelungelo lokhuseleko loluntu kunye nokhubazeko okwethutyana. Athembisa kwinqaku 39 loMgaqo-siseko Russian. Ethatha inxaxheba imbuyekezo yemali ikhefu lokugula iNgxowamali yoKhuseleko lweNtlalo. Ngaphezu koko, lo mbutho engqinisisa ukuchaneka mali kuvavanywa ngayo uncedo, longamele ukuphunyezwa kwemithetho kunye nemibutho esebenza umdla wabaxhamli lokugqibela kweziqinisekiso zentlalo.

Ukuze ufumane intlawulo njengoko kufunwa ngumthetho, umqeshwa kufuneka anike umqeshi nencwadi kagqirha. Yile xwebhu kuqinisekisa sifo. Zonke ukubalwa kunye nokwenza izibalo umqeshi accounting kuyimfuneko, kwaye ngxowa lijongana kuphela intlawulo mali ibango kunye nokuqinisekiswa zabo. Hi ndlela leyi, yonke intlangano, abasebenzi abasebenzi salaried compulsorily kubhaliswa polisi.

Indlela ukuba ugcwalise iphepha yokukhubazeka

FSS ukuba ikhefu lokugula kuhlawulwa, kufuneka ukuba kungabikho zimpazamo apho. Ethatha inxaxheba ukuzaliswa abasebenzi maxwebhu ekliniki, kodwa ke kungakuhle ukuba abantu pribolevshy ukuchaneka ngokuzimeleyo uqinisekise i data kwi ekhutshwe kuye noxwebhu yokukhubazeka. Kwimeko iziphoso iya kubonelela angabonwa duplicate, ngenxa yokuba bengamabala nezilungiso kolu xwebhu awavumelekanga. Tshekisha ukuchaneka kwazo kufuneka kunye zincwadi ozibandakanye abasebenzi ethe yenzeka.

amaphutha ezivame kakhulu egameni yesigulane ngokupheleleyo, umhla wakhe wokuzalwa. Kwakhona, abanikezeli beenkozo zononophelo lwempilo kaninzi yenza iimpazamo xa kuzaliswa amanani ukuqala nokuphela esibhedlele. Ukuba isigulana ezimbini okanye ngaphezulu sheet ukukhubazeka ukuba ezilandelelanayo, ngoko idibana inombolo enye kuphela ayikwazi kulo. Umzekelo, kwikliniki enye wazikhetha ebantwini abagulayo, kwaye enye kwangaloo mhla kwavula. Kwiimeko ezithile kubalulekile, kunye nendawo kugqirha. Ikhefu lokugula, ithe rhuthu ngokunxulumene ukukhulelwa kunye nokunikezelwa, ivelise obstetrician kuphela. Ukuba uxwebhu uqulathe isikhundla, kufuneka zitshintshwe.

Kodwa ukungangqinelani egameni lombutho kufuneka kube kudala inkxalabo. FSS ichaza i zeinshorensi ngokusekelwe kwinani layo ngamnye, nto leyo iboniswe kwishishini.

Ngubani ohlawula esibhedlele

Kwiminyaka eyadlulayo, zonke esibhedlele ziya kuhlawulwa ngqo ngumqeshi. Kuphela emva kokuba ingxelo mali zidluliselwe kwi Fund Insurance le zeNtlalo, babuyekezwe iindleko zawo. Noko ke, akazange abuyele inkampani okanye indlela ebonakalayo ubuso-umqeshi, wababala nxamnye imirhumo yexesha elizayo le FSS.

Okwangoku, le nkqubo utshintshiwe. ukukhubazeka uluhlu Kuyavunywa umqeshi akahlawuli, kufuneka kuphela ukuphumeza zonke izibalo eziyimfuneko. Kuhlu le meko kwezibonelelo zabasebenzi uye ebesiyenza yonke le FSS.

Ukubalwa avareji yengeniso

Kuyimfuneko ukuba ukukhumbula ukuba ngoJanuwari 1, 2012 inkqubo yokuqingqa le mali iye yaguquka. Ngenxa yoko, ngoku ixesha isiseko ekubaleni ziinyanga hayi-12 no-24 zekhalenda, okanye iintsuku 730. Emva kokuba umsebenzi kwakhona, kufuneka ungenise abagulayo. Ingaba zohamba wayibeka njani intlawulo wakhe, umqeshwa akuthethi ukuba uyazi. umsebenzi accounting iqala kulo mzuzu. Kuqala kwinto zonke, ukuze ukuqinisekisa ukuba isixa iintlawulo zentlalo lixhomekeke umsebenzi, kufuneka ubale holo avareji ngemihla.

Ukubala sheet esibhedlele avareji kubalwa ngolu hlobo lulandelayo. Yonke igosa ingeniso ethe kule minyaka mibini idlulileyo wahlulwe iintsuku 730. Kulo mzekelo, isixa kuquka ngokupheleleyo zonke iintlawulo zebhonasi, yamabhaso yahlolwa kwi FSS.

Indlela ukuchaza isikhundla lemali esibhedlele

Ngaphandle kwento yokuba ingxelo kufuneka simisele ngokuchanekileyo ingeniso avareji imihla yomqeshwa, kufuneka kukhunjulwe kwaye ngoko ipesenti yemali elikhankanywe kuyimfuneko ukuhlawulela ikhefu lokugula. Ubungakanani kweziqinisekiso loluntu luxhomekeke ngqo kwi ubude lomqeshwa.

Kuba abantu abaye amaxesha inshorensi:

• ingadluli kwiminyaka 5, kwaba 60% kwingeniso;
• ukusuka kwiminyaka 5 ukuya kwi-8 - 80%;
• ngaphezu 8 iminyaka - 100%.

Kubalulekile ukukhumbula ukuba Guide ayikho oluzingileyo, kwaye abasebenzi lilonke ixesha kuzo zonke iindawo yengqesho, apho ulwabiwo FSS zenziwa.

Ukubalwa kuba abangasebenziyo ngaphambili

Enye yeengxaki ixhaphakileyo abajongene nazo ezimali - kukuba ukubala izixa iinzuzo kubasebenzi abasebenza okuququzelela ubuncinane iminyaka emibini. Ukuze ukumangalela imbuyekezo ukuma lokukhubazeka,-mali kuya kufuneka isatifikethi emsebenzini yakho yokugqibela iminyaka emibini wekhalenda. Ukuba umqeshwa ayiboneleli kuyo, ngoko ke ubalo isekelwe yomvuzo lincinane ixesha xa abangabhaliswanga kwinkonzo emsebenzini. Kufuneka uyazi ukuba nokungasebenzi azithathelwa ngqalelo xa kubalwa imali yemivuzo avareji ngemihla.

Ukukhubazeka sembuyekezo isekelwe SMIC phantsi kwale miqathango ilandelayo:

• umqeshwa uye akukho ntlawulo-inshorensi kwiinyanga ezili-24 zokugqibela;
• umsebenzi wenkonzo phantsi iinyanga ezi-6;
• umvuzo ngenyanga engaphantsi kwe-mali wemivuzo.

isayizi iintlawulo

Enikwa ikhefu lokugula womqeshwa, olubalelwa ukuba bangamazi kuphela ukuthwala njani ngaphandle zonke izibalo amalungiselelo kwintlawulo ezonwabisayo zentlalo, kodwa khumbula ukuba bawadibanise kule nyanga iphelileyo akufuneki igqithe ubukhulu. Ngo-2013, isixa-mali iphezulu 58 970 ngo-2014 - 61 920 ngo-2015 aya kuba 65 020 engange.

Kucacile ukuba amanqanaba ezi ntlawulo zingangqamana kuphela kakhulu kakhulu ihlawulwe abasebenzi, abo babe namava inshorensi enkulu ngokwaneleyo. Uninzi ngamaqela ukuseta umvuzo, bobungakanani ubuninzi iminikelo awuchaphazeli.

utshintsho kuchaphazele iindidi ezinjalo zabasebenzi:

• ngubani wenzakala emsebenzini ngokulingene nokungabi yakhe, luwugqithile uqeqesho lwabasebenzi, waba kwimeko kunxilwe (akunamsebenzi, iziyobisi okanye utywala kwaba);
• ngubani ngexesha elifanelekileyo liye ongenakuwelwa axilongwe ngaphandle kwesizathu elungileyo;
• abangawuthobeliyo na unyango esibhedlele lusekiwe.

Kulo mzekelo, le mali kufuneka azi ukuba kukho kakuhle abagulayo ukuze ityala. Ngapha koko, ngokuba amatyala emisiweyo yokubala isekelwe wemivuzo.

Iimpawu ze ukubala

Ukususela ngo-2013, isiseko ukubala indawo iintlawulo le minyaka khalenda emibini edlulileyo. Kwiimeko ezininzi, uthathe ixesha olungaphambi isiganeko inshorensi. Nangona kunjalo, kukho iimeko apho umqeshwa unelungelo lokukhetha ithuba lakhe, nto leyo eya kuba sisiseko ukubala. Ngoko ke, elo thuba inikwa abo elinye okanye omabini kunyaka obefudula basekhefini, leyo imvume ngokunxulumene ukukhulelwa nokuzala okanye lokukhathalela umntwana.

Ukuba umqeshwa yenye amatyala kuchaziwe, kufuneka Musani ukoyika ukuthatha ikhefu lokugula. Njengoko icala kulo mzekelo, isixa-inshorensi yembuyekezo, kufuneka ukwazi na accountant. Njengoko ixesha kungaba ukhethe:

• kweentsuku ezingama-30 zekhalenda;
• kweentsuku zekhalenda 731 okanye 732 ukuba umqeshwa ukhethe isantya isiseko kunyaka omnye okanye emibini iintlantsi.

Nangona kunjalo, ukufaka enjalo yenzeka kuphela xa isicelo lomqeshwa kunye ngokuxhomekeke imeko ukuba oku kuya kukhokelela ekwandeni imbuyekezo iintlawulo.

Ukubalwa inzuzo xa ekhulelwe naxa ezala

Ukuba ikhefu lokugula esilungiselelwe unina elizayo, umqeshi ubala isikhundla zonke izixa kweentlawulo inshorensi. Njengoko kwezinye iimeko, isiseko soku le iminyaka emibini kwikhalenda. Kulo mzekelo, umntu obandakanyeka iimali kufuneka ithathelwe ingqalelo, uye waba yintoni isiseko sokugqibela yokubala ye-inshorensi nganye lwamathuba.

Calculation nocwangco seenzuzo babe neempawu zabo. Xa siqinisekise isixa-avareji yengeniso yemihla ngemihla imali iyonke ingeniso efunyenweyo lahlulwe kweentsuku zekhalenda 730. Kodwa xa kubalwa imali yesibonelelo ukuba ihlawulwe ngokunxulumene unikezelo ezayo kwexesha icocwe:

• iintsuku ukukhubazeka okwethutyana;
• ixesha apho umqeshwa wakhululwa emsebenzini ukulondoloza umvuzo wakhe, ukuba babekwe icala iipremiyamu ngexesha elithile;
• ikhefu lokuya kubeleka, kubeleka okanye ikhefu lwabazali.

Ukuba umfazi wangena ngokuzithandela kwiprogram ye-inshorensi enyanzelekileyo kwezentlalo, kulo mzekelo, ingeniso avareji ngemihla uzimisele isekelwe ngomhla isiganeko benefits nemivuzo ephantsi. Wahlukanisa nje ngenani leentsuku kwinyanga nganye, nto leyo egula.

ukulimala industrial

Ukuba umqeshwa onzakele emsebenzini, kulo mzekelo, iya kuba zabo ezithile indawo ukubala iintlawulo ze-inshorensi. Ngoko ke, ukuba ukwenzakala zange kwenzeke ngenxa sanctions yokuziphatha yabasebenzi ngumqeshwa, esi sibonelelo siya kuhlawulwa kumyinge we-100% umholo.

Nangona kunjalo, kubalulekile ukuba uthathe ingqalelo onke amagatya omThetho № 36-FZ, esamkelwa 5 April 2013. Yile xwebhu ukucwangcisa ubungakanani ubuninzi Iintlawulo ze-inshorensi kusenzeka igosa yokukhubazeka yexeshana, weza ngokunxulumene sisiganeko kwi ingozi izityalo. Ngokuba nyanga epheleleyo ikhalenda malingaze libe ngaphezulu kane inani eliphezulu yenyanga imbuyekezo.

Ngokomzekelo, ngowe-2014, abasebenzi, ngubani yaphuka, lingahlawulwa hayi ngaphezulu kwe 247.680 engange (61,920 x 4 iinyanga).