Ngubani onelungelo lokufumana ipensheni yeminyaka ubudala

Old-iminyaka yomhlalaphantsi yeyona ixhaphakileyo izinto abantu abadala kweli lizwe lethu. Ukuba nokwenzeka yokwamkela yayo ngamadoda nabafazi abo bayiwelayo umbundu engama-60 nengama-55 ubudala, ngokulandelelana. Ngelo xesha linye kumele ukuba basebenza hayi ngaphantsi kwe-mthetho kunye isixa amanqaku pension ayikho ngaphantsi kwe-mali isezantsi. Nakuba kunjalo, kukho iqela olwahlukileyo ngabemi kuhlawulwa endala-inkamnkam ekuqaleni. Uluhlu imisebenzi, imisebenzi kunye namashishini, izikhundla, imisebenzi kunye nemibutho, kuthathelwa ingqalelo leyo wabelwe kule nzuzo, evunywe umyalelo RF kaRhulumente.

Yintoni umhlala-phantsi phambi kwexesha?

Nemiqathango yokufumana ipension kulawulwa ngumthetho federal. Ngokuhambelana kunye namaqela athile abemi banelungelo ekuqaleni imvume yomhlalaphantsi ngenxa yokwaluphala.

Okokuqala kuwiso-mthetho pension yi-software ebizwa ubabalo. oogqirha laqala, ootitshala, amagcisa kunye nabanye. Ngoku, ukuba ipension sivunyiwe phambi kweminyaka yobudala ngokomthetho, ilungelo ukubiza kuyo ekuqaleni.

Kokuba ikhutshwe iminyaka emihlanu phambi kokuba afike isikhundla yomhlalaphantsi wobudala, ngaphandle kokuba ngenye indlela amanqaku.

Iimeko zokubhalisa

Le akuso xa iqwalasela isicelo intlawulo yokuqala pension udumo amaxesha yomsebenzi owenziwa rhoqo emini ukusebenza ngenxa yexesha elizeleyo. Kulo mzekelo, kuba la maxesha iintlawulo ze-inshorensi ekufuneka zenziwe.

Ngokusekelwe iirekhodi ezenziwe yomsebenzi, imizimba RF PF awugqibe ukutyunjwa okanye lokwala ubhaliso ipenshoni ekuqaleni. Amaxesha amaninzi, idatha kwi yezikhundla preferential zinikwa hayi ngokupheleleyo okanye hayi ayifumaneki ixesha elithile lolwazi lobuqu malunga umsebenzi. Ngoko ke, ukuthembeka phambi amava ekhethekileyo ecacisa uhlobo ezikhethekileyo bomsebenzi kunye neemeko zokusebenza kuya kufuneka ukuba kubhalwe.

umhlalaphantsi lingekafiki banelungelo ukuba akhuphe abemi ngelo xesha yokungena force umthetho kumhlalaphantsi omsebenzi sele babesebenza izikhundla ezahlukeneyo okanye iintlobo zomsebenzi ngaphezu kwesiqingatha yomsebenzi efunekayo. Kwezinye iimeko iya kusekwa ngokungqinelana nemigangatho kunye nemithetho inkqubo echubekileyo.

Ubungakanani zokuqala endala-iminyaka yomhlalaphantsi kuxhomekeke kwimali iyonke iintlawulo ze-inshorensi.

Ngawaphi amaxwebhu ezidingekayo?

Xa usenza umhlalaphantsi phambi kwexesha kwi Pension Fund ka Russian Federation kufuneka anikwe:

• isicelo umhlalaphantsi;
• ipasipoti kunye, xa kukho imfuneko, uxwebhu eqinisekisa ubhaliso indawo yokuhlala;
• SNILS, kuyimfuneko ukuba isiqinisekiso se-inshorensi.

amava Insurance, ndizuze phambi inkcazelo accounting kwi uMntu oKhuselwe ngeInshorensi kwinkqubo pension, ukuqinisekisile incwadi yomsebenzi. She is the main uxwebhu ukuqinisekisa aphezulu. Ukuba ulwazi olufunekayo ilahlekile, unako ukuqinisekisa onamava ngokubonelela:

• ikhadi kwabasebenzi kwengxelo;
• sheet kwexesha;
• akhawunti yakho umvuzo;
• kombutho.

Izizathu zokwala ahlawule

Amaninzi, abasemagunyeni pension ukwala isicelo ukulungiselela umhlala-phantsi phambi kwexesha ngenxa yezizathu ezininzi:

• It is ayiqinisekiswanga yi amava emsebenzini jikelele;
• akunakwenzeka ukuba ukuqinisekisa ubunyani ingqesho epheleleyo;
• ayikwazi ukufaka uhlobo olukhethekeliyo umsebenzi;
• ibhalwe wobugcisa yomsebenzi kunye nesikhundla abemi, ngokungqinelana nemimiselo, sivumele ukuba abele umhlalaphantsi phambi kwexesha;
• nakwenzeka yokusungula into yokuba esebenza umbutho othile.

Kwimeko wokucinywa zingadlulanga iintsuku ezintlanu ukusuka kumhla izisombululo PD zabo kufuneka azise umfaki-sicelo. Isaziso kufuneka sibonise izizathu zokwala kunye nenkqubo yezibheno yayo. Yonke ingcaciso enikezwa yi amaxwebhu mali yomhlalaphantsi phinda.

Imiqathango ngokubanzi yokuqeshwa

Ngokomthetho, endala-yomhlalaphantsi ekuqaleni watshintshelwa emva unyango, kodwa hayi phambi komhla wokufunyanwa ilungelo lokufumana kuyo. Umhla yi ngosuku lokufumana unyango ukusuka isicelo yabemi yonke ingcaciso efunekayo kunye namaxwebhu.

ingxowa-mali yomhlalaphantsi iqinisekisa ukuba kunikezelo iirisithi kufumana izaziso.

Xa uthumela isicelo imeyile yaye onke amaxwebhu afunekayo lokusingatha umhla iza kwenziwa inani elibonisiweyo elephantobraz kwendawo lokunduluka. Isaziso zirisithi ithunyelwe kwidilesi-sicelo okanye enye iya kuma phezu ezandleni zenu.

Ukuba ungummi akasinikanga zonke, ungadlulanga owe-ezintathu kweenyanga kuyimfuneko, uya kuzisa zephepha lilonke. Kule mihla unyango ubale mhla wokufunyanwa kwesicelo okanye inani elibonisiweyo nestampu yeposi kulawulo. Uluhlu lwamaxwebhu elingekho esigqibeni ngalo libhunga ye RF Pension Fund kunye kuchaziwe irisithi-isaziso.

Statement of calculation of umhlala-phantsi kwangoko kufuneka ziqwalaselwe ungadlulanga umhla yi Pension Fund yeSebe ngaphezu kweentsuku ezilishumi emva kokungeniswa kwazo. Ngenxa kolwazi oluqulethwe onke amaxwebhu angenisiweyo, isigqibo sokuqeshwa. ngeke ibe ngaphantsi kwe inqanaba sokutya lisezantsi kweli lizwe Ubungakanani zokuqala endala-inkamnkam.

Abemi abasebenza entsimini kunye neemeko zokusebenza nzima

Kukho uluhlu lweendidi oluthile lomsebenzi onzima. Abemi abaqeshwe kwezi zifundo, banelungelo ukuqeshwa kwangoko umhlala-phantsi.

Amadoda abaye basebenza ubuncinane iminyaka elishumi enesiqingatha kunye namava inshorensi yeminyaka engaphezu kwamashumi amabini anesihlanu, afikelele iminyaka engama-55 ubudala unalo ithuba ukuyisebenzisa. Ilungelo efanayo sivunyiwe kwabasetyhini abaminyaka yobudala eyi-50, kunye nengqesho kunye nexesha-inshorensi esingekho ngaphantsi kwe elishumi mabini, ngokulandelelana.

Ukuba imveliso amava esisodwa ayiphelelanga (kodwa hayi ngaphantsi kwesiqingatha), kunye namava inshorensi sandivusela, kugqitywe mhlawumbi ekuqaleni ezele endala-yomhlalaphantsi. Kwimeko enjalo ke, kulindeleke ukuba ukwehla kwi yobudala yomhlala-phantsi. A ukuncitshiswa konyaka omnye kuthatha indawo zonke wachitha iminyaka emibini enesiqingatha kumadoda, kwizikhulu ezibini - kwabasetyhini.

Abemi ukusebenza imisebenzi senzeka kummandla Far North, lasebenzisa izithili

Ngaphambi yomhlala yabasebenzi umhlalaphantsi ihlawulwe kubantu ochithe iminyaka elishumi elinesihlanu kummandla we-Far North. Kwizithili lasebenzisa, eli lungiselelo liya kuhlawulwa phantsi kweemeko ezifanayo. Kodwa kulo nyaka ikhalenda, apho kuya kuqwalaselwa kwi kwiinyanga ezilithoba zokuqala lwemisebenzi umsebenzi emantla kude.

Xa liqhube ngaphezu kwesiqingatha ixesha elifunekayo ngummi unalo ithuba umhlala ngaphambi kwe iyemisiweyo lusekiwe ngokubanzi. Emva koko, ngokuba kunyaka ngamnye ikhalenda ngokupheleleyo yobudala yomhlala kuncitshiswa iinyanga ezine.

Abemi abasebenza iiyure, ebudeni bexesha, vula umsebenzi kunye neentsuku bachitha ethunyelwayo ukubukela emva naphambili. Amaxesha phakathi imilindo ukuba akabalwa.

iiyure Ivula kuba iwotshi iqukiwe yezikhundla ngokwesiseko iziqinisekiso ezifakiweyo ezivela kwiinkampani apho sicelo wasebenza. Kufuneka siqulathe ulwazi malunga namathuba zomsebenzi lokufumana indlela ukubukela kunye umva.

Abafazi kunye nabantwana abaninzi, abantu abakhubazekileyo, abazali nabagcini babantwana abakhubazekileyo

Early inshorensi nkam-ubudala koomama kunye nabantwana abaninzi ukufumana abantwana ezintlanu okanye ngaphezulu. Banalo ilungelo umhlala-phantsi kubudala 50.

Iimeko eziphambili zokufumana:

• unina womntwana ngamnye kufuneka ukuphakamisa ubuncinane iminyaka esibhozo;
• ukufumaneka inshorensi iminyaka engaphezu elinesihlanu.

Old-iminyaka yomhlalaphantsi ngaphambi ishedyuli linokukwenziwa kubazali, owamvusa umntwana okhubazekileyo kwasekuzalweni, ubuncinane de kweminyaka esibhozo. Eli lungelo Ungathatha ingqalelo kumntu omnye kuphela, nokuba ngunina okanye uyise. Kulo amava msebenzi kufuneka ube neminyaka engaphezu kwama-mabini elinesihlanu amadoda kunye nabafazi ngokulandelelana.

Le umgcini womntwana ikhubaziwe kwasekuzalweni, naye uyakwazi ukuyila umhlalaphansi. Indlela msinyane ukuba bakwazi ukufumana kuxhomekeke ngexesha eluvalelweni. Kwiinyanga ezilishumi elinesibhozo of luyafumaneka Ukunciphisa unyaka omnye ngexesha lomhlala-phantsi. Kodwa ke ixesha ogcweleyo elingagqithanga kwiminyaka emihlanu. Oko kukuthi, ukuba ixesha eluvalelweni wayeneminyaka emithandathu ubudala, lo mfazi unelungelo ekuqaleni endala-yobudala yomhlala eneminyaka engama-51, ukuba ezisithoba - 50.

Ngaphezulu abazali nabalondolozi babantwana xa uphumezo yokuqala iintlawulo bafanelekile, kunye neendidi ezithile zabantu abakhubazekileyo. ubudala-inkamnkam Early umntu okhubazekileyo ubekwa, ukuba iqela sele ifunyenwe ngenxa yokwenzakala imfazwe. Kufuneka ube amava yokusebenza kweminyaka engamashumi amabini anesihlanu amadoda amabini - kumabhinqa.

Amadoda ngesithuba evumelekileyo iminyaka elishumi elinesihlanu, neqela lokuqala ukhubazekile, ungasifaka isicelo ipension umhlalaphantsi xa eneminyaka engama-50. Abasetyhini phantsi kweemeko ezifanayo, kunye namava iminyaka elishumi, ungenza isicelo pension phezu efikelela kwiminyaka engama-40 ubudala.

Abemi nezifo ezinqabileyo, ngokuba UDema kunye Lilliputians ikwabonelela umhlala phantsi phambi kwexesha. Umntu onesiphene wonyulwa eneminyaka engama-45 kwiminyaka engama-40 phambi kwexesha efunekayo minyaka imashumi mabini iminyaka elishumi elinesihlanu.

Xa usenza isicelo kugqitywe umhlalaphantsi lingekafiki kuyimfuneko ukungqina ubukho yokukhubazeka. Loo uxwebhu kuba izatifikethi ezingqina oko. Kufuneka zicaciswe ulwazi malunga iqela babelwe kunye nenkqubo kwimo ngamnye.

umhlala phantsi Early kubasebenzi bezempilo yobudala

Kuba abasebenzi becandelo likarhulumente urhulumente inika zonke izibonelelo kunokwenzeka. Xa udibana ezi mfuno zilandelayo kubasebenzi bezempilo, kungakhathaliseki ubudala, lonyango lixhomekeke kusekude endala-inkamnkam:

• Ubude zasemsebenzini kufuneka ubuncinane iminyaka engamashumi amathathu. Ukuba Kwakhiwa ukuxatyiswa kuphela ukusebenza kwiindawo ezisemaphandleni nasezidolophini, ngaphezu kweminyaka engamashumi amabini anesihlanu.
• Kwithuba zibandakanyiwe xa kubalwa iintlawulo ukuxatyiswa, i-inshorensi ukuba zenziwe kwi Pension Fund.

Old-iminyaka yomhlalaphantsi kwangethuba linokunikezelwa abemi ofisi kunye negama amaziko apho zisebenza, zifakiwe kuluhlu okhethekileyo, eyenziwe ngurhulumente welizwe lethu, kuba lisekelwe kwidatha amagosa RF PF kwi sigqibo.

Kufuneka kuqatshelwe ukuba abasebenzi imibutho yezonyango yabucala banelungelo efanayo kobhaliso kwangethuba, kwakunye nabasebenzi arhente zikarhulumente karhulumente wengingqi.

Xa kumava umsebenzi ofanayo njengoko zibalwa kwishedyuli eqhelekileyo, kwaye ngexesha lomsebenzi lifinyele. Ngokommiselo, amaxesha mboleko ezenziwe ukuze kwikhalenda. Leyo zengqesho yonyaka omnye amkelwe unyaka omnye wenkonzo. Kukho iimeko lo mthetho:

• ukuba ngexesha umsebenzi wakhe oqeqeshiweyo umntu, ukongeza edolophini, yaye uye wasebenza kwiilokishi nasemaphandleni, omnye unyaka umsebenzi kwiindawo zasemaphandleni kufuneka luthathwe unyaka neenyanga ezintathu nexesha;
• omnye unyaka umsebenzi esixekweni ibalwe njengenye kunye neminyaka enesiqingatha 'ukuxatyiswa ngenxa ndidi zilandelayo abasebenzi bezempilo: oogqirha, Iintlungu kunye neengcali labagula kakhulu, pathologists, ochwepheshe;
• xa idatha abantu ematyotyombeni okanye kwiindawo ezisemaphandleni nasezidolophini unyaka umsebenzi yabo abayisebenzisayo ukubalwa umnyaka oneenyanga ezisithoba.

Luxanduva yeengcali zempilo ngenxa yokuba umthetho welizwe lethu kubandakanya ukwanda ngabafundi zemfundo zabo. Ngoko ke, la maxesha kufuneka zibandakanywe kwi ubude, nto leyo unikwe umhlala-phantsi phambi kwexesha kakhulu.

Abemi bathatha inxaxheba kwimisebenzi zokufundisa

Iimpawu zokuqeshwa umhlala kulawulwa ngumthetho. ootitshala umhlala phantsi zokuqala kungakhathaliseki ubudala babo. Eyona nto ibalulekileyo kukuba amava zasemsebenzini wayeneminyaka engaphezu kwamashumi amabini anesihlanu.

Xa ukuphunyezwa komsebenzi entlanganweni, igama leyo engafakwanga kuluhlu kwezithuba kunye namaziko zokufundisa, ixesha umsebenzi echubekileyo namava ipension awubalelwa.

kwizinto zomsebenzi oqeqeshelweyo kuqhutywa ngexesha zethuba elifikelela ku-Septemba 1, 2000, kobalelwa ebudeni nokuba iimeko ukuphunyezwa yabasebenzi standard ngeli xesha. Emva koko umhla, - ngokuxhomekeke intsebenzo yeli iindawo eziphambili zomsebenzi kunye neminye imithetho ixesha besebenza ibekwe njengoko izinga kwemivuzo.

Le akuso libalwa ngexesha ekhefu umsebenzi ufumana iingenelo yethutyana yokukhubazeka, kwakunye neeholide kuhlawulwa lonyaka, kuquka eyongezelelweyo. Kweli thuba, inkqubo non-nokufundisa (ukuthatha inxaxheba kwiinkomfa neesemina, izifundo zoqeqesho, ikhefu, ikhefu elingahlawulelwayo, nokungabikho engagunyaziswanga, ikhefu yokukhathalela abantwana, njalo-njalo), kukho ingabuyekezwa. Le Okungumahluko ikhefu umntwana abakhathalele ukuya kwiminyaka emithathu, kwenziwe ngaphambi-Oktobha 6, 1992.

Early endala-inkamnkam abangaphangeliyo

Le status babe ngabemi abanezakhono zokusebenza, kodwa musa ukuba umsebenzi neholo ibhaliswe kwiziko kwingqesho ukuze bafumane umsebenzi ofanelekileyo kubo. Aba bantu, ngokuxhomekeke kwiimfuno ezifunekayo abalungele ukuqeshwa yokuqala endala-inkamnkam.

iimeko baqeshwe:

• umntu kufuneka abe iwonga esemthethweni abangasebenziyo kunye nokungabikho izakhono ze isixhobo iinkonzo zengqesho;
• akufuneki ibe ongaphantsi kweminyaka emibini ngaphambi kokuba yobudala yomhlala iseti yabo bonke ngummi ubudala;
• ngokusekelwe abantu emsebenzini umsebenzi wangaphambili kufuneka ibe yimali okanye kumiwe imisebenzi ye entrepreneur ngamnye, okanye ukuncitshiswa kwenani data abaqeshi karhulumente;
• "On umhlala labour" kufuneka babe namava, unako ukwenza yomhlala nkam-ubudala, phantsi komthetho federal.

iimpawu:

• lokufaka iintlawulo kwemisebenzi elabelwe lo msebenzi liya kwenziwa kude ipenshini;
• unelungelo lokuba ukhethe inguqulelo okanye neperehoda i kuye ecetywayo i umhlalaphantsi phambi kwexesha;
• inshorensi ekuqaleni endala-iminyaka yomhlalaphantsi uya kukhutshwa ngaxeshanye defined benefit iminyaka yenkonzo ngokungqinelana nomthetho;
• Iintlawulo Benefit kupheza ukuba umntu abuyele emsebenzini okanye uqhubekeko kuwo nawuphi na umsebenzi, libalwa kwixesha-inshorensi;
• ukungaphumeleli kuyilo umhlala-phantsi phambi kwexesha igunya basekuhlaleni Pension Fund linyanzelekile ukuba bahlaziye iziko ingqesho abangaphangeliyo ngokusesikweni yaye siqhubeke wokufuna yomsebenzi ngummi.

Ukubalwa ekuqaleni nkam-ubudala kwabo bangasebenziyo ngokusemthethweni wenza iyafana ekubaleni izibonelelo phantsi.

Amaxesha amava kokufaneleka

Xa esenza umhlalaphantsi phambi kwexesha ngebande elinye kunye nexesha umsebenzi ngamava msebenzi ubandakanya:

• ixesha apho dluliselo enziweyo ngokuzuzwayo xa ukukhubazeka okwethutyana;
• iiholide kuhlawulwa ngonyaka;
• ikhefu lokuya kubeleka.