Pension ngokulahleka umfazi aswelekileyo umondli: ukuba isicelo njani? Penns ubukhulu

Ngoko ke, namhlanje sinomdla ipenshoni ukulahleka umfazi aswelekileyo umondli na. Abantu abayi kuhlala ngonaphakade. Yaye ngokufuthi abayeni babo kufa, eshiya abafazi babo ngaphandle yokuziphilisa. State of the Russian Federation ibonelela ngoncedo amaqabane kwimeko efanayo. Kodwa indlela amalungiselelo yomhlala bexhoba elo? Into ekufuneka uyazile nge kwezi ntlawulo? Oko kufuneka sinikele ingqalelo kwindawo yokuqala? Zonke iimpawu pension ngokulahleka osindileyo ngalunye kufuneka bazi kwangethuba. Akubalulekanga nje umfazi banelungelo kule intlawulo.

Abafaki

Ngoko ke, ngubani na okwaziyo okufumana uhlobo yethu yangoku lwenkxaso? Eyona nto kukuba abaninzi iindidi zabantu abafanelekileyo kwezi ntlawulo. Phakathi contenders ukukhululwa ipension yexhoba:

• abafazi;
• abantwana;
• amadoda;
• abazali;
• abafazi zabasebenzi wamajoni;
• nabanye abantu abaxhomekeke kumfi.

Ungase uphawule ukuba uluhlu olubanzi kakhulu. Ukuziqhelisa, amaxesha amaninzi umhlala-phantsi ngenxa ukulahleka umfazi aswelekileyo umondli, ngokunjalo nabantwana. Ukunyaniseka, kukho iintlobo zenkxaso yanamhlanje eRashiya.

Types of osinde yomhlalaphantsi

Njengoko sele kukhankanyiwe, umhlalaphantsi yexhoba kunokuba ezahlukeneyo. Ngokuxhomekeka kuhlobo yayo yaye ziya kuhlawulwa ngqo okanye isixa-mali evela kurhulumente. ERashiya, ukukhululwa yomhlalaphantsi:

• kwezentlalo;
• kaRhulumente;
• inshorensi.

Nangona kunjalo, kubalulekile ukuqaphela ukuba zonke iindidi zabantu abafanelekileyo kwiintlobo ezithile inkxaso yoluntu ngokufa owondla kuphela ekhaya. Phambi kokuba wenze i amaxwebhu ukulungiselela iintlawulo ezifanelekileyo, kubalulekile ukwazi apho iimeko Umfazi unelungelo kubo.

inshorensi yomhlalaphantsi

Insurance pension - yintlawulo evela kurhulumente, apho Makabulawe onke abakhubazekileyo amalungu entsapho womfi. Le meko kakhulu. Abasetyhini banelungelo kule uncedo-mali. Kodwa kuphela xa zijongwa abakhubazekileyo. Kungakhathaliseki ukuba yintoni isizathu kwenzeka ukulahleka ithuba nokwanela.

Ukuba umfazi ongaphezu kweminyaka lokukhubazeka eyaziwayo, yena inshorensi elimiselweyo pension osindileyo. ongakhetha iyakujongwa kwakhona apho le ntlawulo ubeke abakhubazekileyo. Kubalulekile: ngummi kufuneka ibe abaxhomekeke kuwe. Nangona kunjalo, kukho ezinye ngaphandle.

Ngaphandle kwi-inshorensi yomhlalaphantsi

Pension ngokulahleka umfazi aswelekileyo onika uncedo bangambathi kuphela xa umntu ogula. On zezibonelelo zeinshorensi, phantsi kweemeko ezithile, unelungelo amaqabane, kungakhathaliseki ukuba abaxhomekeke okanye hayi.

umthetho Modern Russian ikhankanya ukuba inkxaso izinto anikwe ibango iqabane, mbongeni umntwana ukuba abantwana, abazalwana noodade womfi. Le mithetho echazwe kuMthetho Federal № 400 "Kwi-inshorensi Pensions".

Kubalulekile ukukhumbula - olu hlobo inkxaso evela kurhulumente ukuze kude ubeke nje ezingephi, yayinyanyekelwa, sele ifikelele iminyaka eli-14. Emva inshorensi ipension ukulahleka umfazi uthe wasutywa akayi kuhlawulwa.

iintlawulo zikarhulumente

Le meko zilandelayo lungenzeki kunqabile kakhulu. Sithetha malunga neentlobo zenkxaso-mali karhulumente. Njengomgaqo, olu hlobo imbuyekezo wabeka abafazi kunye nezalamane, abaxhomekeke, ukuba lo mntu ubhubhileyo amanye kwizikhundla eziphezulu zodidi oluphezulu. Ngokucace kakhulu, nto;

• ipenshoni ukufelwa ngumfazi ijoni bukaThixo umondli ihlawulwa ngurhulumente;
• wabeka iintlawulo kubemi bangamaxhoba womntu owenziwe okanye radiation iingozi;
• wabafazi oosomajukujuku aphulukana nobomi bawo xa besenza imisebenzi yabo okanye ukulungiselela flight.

Kananjalo kubalulekile ukuba siqaphele ukuba ezi ntlawulo banelungelo lokufumana iqabane lalo umondli uye wakhonza ngexesha lokudla kwakhe kwi-Ofisi yoMphathiswa Internal Affairs. Yiloo nto zonke iinkalo pension karhulumente. Kungakhathaliseki yokukhubazeka umkhosi umfazi wakhe abafanelekileyo ukuba bafumane inkxaso-mali, ukuba amadoda abo wafa ngenxa emkhosini emkhosini. Kodwa kuphela xa umhlolokazi watshata. Kwiimeko ezinjalo, ilungelo intlawulo igcinwe kude umfazi yobudala engama-55. Okanye logama nje lomhlolokazi ukuba atshate.

Koko, umhlalaphantsi yexhoba umfazi yakhe joni umfi ebekwa nokuba xa ukunyamekela umntwana, omnye umzalwana, udade bomfi, ukuba amalungu idwelisiweyo entsapho ngaphantsi kweminyaka engama-14. Akukhathaliseki nokuba ngumfazi eyomeleleyo okanye hayi.

inkxaso ekuhlaleni

Uhlobo elandelayo ipension ilahleko umondli single - iinzuzo zentlalo. Qho ubuncinane eRashiya. Ehlawulweyo xa umfi ayikho inkonzo umrhumo wepenshini.

Kwakhona, imali ye pension loluntu ilahleko ngumfazi umondli ipolisa ungasekhoyo okanye nawuphi na ummi ukusebenza owaliweyo, ukuba ibhinqa liye waqaphela ukukhubazeka. Lo mgaqo usebenza kuwo onke amalungu entsapho kwe ubhubhileyo.

Qaphela: i pension karhulumente kunye inshorensi wabeka kuphela xa kufikwa kwizalamane (kulo mzekelo abafazi) abangenazo lezomthetho.

ukulungiselela amaxwebhu

Ingaba unomdla ipenshoni ukulahleka umfazi aswelekileyo umondli? Imigqaliselo zezibonelelo ezinxulumene nokuqeshwa ecacileyo. Ngoku kuyimfuneko ukuba izigqale izinto amaxwebhu kufuneka eze umfazi inkxaso imo uhlobo ethile emisiweyo. Wokubhala ukuba kakhulu. Kodwa ke, njengokuba kusenziwa imiboniso, ngokuqhelekileyo kuqokelelwe amaxwebhu akukho ngxaki. Phakathi izibambiso mandatory zizakubalulwa:

• isicelo umhlala-phantsi (ecacisa uhlobo yentlawulo);
• ukuphawulwa-sicelo (passport);
• ubungqina ngabemi (yokundwendwela kwimeko ezinye izibambiso akukho mfuneko);
• isiqinisekiso sokufa indoda yakhe;
• imiqulu engqina ubude yenkonzo iqabane obhubhileyo (insurance umhlalaphantsi);
• isiqinisekiso esibonisa ubudala uswelekileyo (ngcono uzise ipasipoti yakhe);
• isiqinisekiso somtshato;
• isicelo SNILS;
• iinkcukacha ze-akhawunti apho ukuthumela imali;
• ukusebenza irekhodi womfi;
• Power of Attorney (ukuba umfazi ayikho izibheno kwabasemagunyeni abachaphazelekayo).

Olu luhlu linegunya, apho kuyimfuneko ubhaliso kweentlawulo zethu ngoku. Noko ke, kwezinye iimeko, kufuneka ahlangabezane iphepha ezithile ezongezelelweyo. Bona apha kwisicelo kunye neekopi.

Le mikhosi Ministry Interior

Pension ngokulahleka umfazi aswelekileyo umondli (Ministry of Internal Affairs - indawo lomqeshwa, imithetho enxulumene nabasebenzi) kuluhlu ngasentla wabelwa. Emva kwako konke oku akwanelanga. Ezo abahlolokazi kufuneka kucelwa ukuba beze:

• iqabane ID umkhosi;
• Nawuphi uncedo ezinokuthi ukuqinisekisa ubukho umfi kwi yokusebenza (kwi imeko ipolisa, ipolisa okanye umkhosi).
• amaxwebhu engqina kunye nokuseka inyaniso kunye unobangela wokufa;
• phetha ababhubha ngenxa yezifo ezinxulumene-kudaleka ngenxa ngqo ukwenzakala okanye iingozi, baza njengeqabane ekusebenziseni.
• Isiqinisekiso yokungabikho umhlolokazi ulwalamano entsha ngokusesikweni.

Uncedo olongezelelweyo

pension yexhoba umfazi yakhe umhlala uswelekileyo MVD (hayi kuphela) iya kubeka ngurhulumente. Ukongeza kula maxwebhu akhankanywe ngaphambili, umhlolokazi kufuneka ungenise, ngokuxhomekeke meko, uluhlu ezithile iimbekiselo kunye neengxelo. Oku kufuneka kuquke:

• Isiqinisekiso yomhlala (nomyeni wakhe, kwimeko umhlala phantsi);
• uncedo ekufumaneni iqabane oxhomekeke abakhubazekileyo;
• nawaphi na amaxwebhu ebonisa ukulahleka kuphela imali.

Missing

Indlela ukuba afumane ipension ukulahleka umfazi aswelekileyo umondli? La maxwebhu adweliswe ngasentla, kuyimfuneko ukuba ukuqokelela, benze iikopi ze qhoboshela kwisicelo yokuqeshwa yenkxaso karhulumente. Kodwa zonke iimeko apho ngummi uye wafa, kodwa enyanisweni yokufa kwakhe iye yamiselwa.

kuphela kwenzeka ukuba abantu. Okanye bafe nokuba esemsebenzini, kodwa imizimba kwabafileyo kwaye ayikwazi andibhaqwa. Kulo mzekelo, iintlawulo pension ukuya abafazi kunye nezinye abaxhomekeke nje irhoxisiwe. kufuneka silinde kancinane kwaye qhoboshela kwisicelo intlawulo elingana maxwebhu athile.

Yintoni? Ukuba owondla kuphela usapho wanyamalala, ngoko umfazi wakhe ukuba abe enkundleni ukuvuma iqabane okanye ayikho okanye abafileyo. Xa oku kwenziwe, uluvo zomthetho ezifanelekileyo. Ikopi yale mhlolokazi yokuqala linyanzelekile ukuba asondeze xa kubhaliswayo iintlawulo zomhlalaphantsi.

apho ukuya

Pension yelahleko umfazi uthe wasutywa kunye nabantwana oswelekileyo, kwakunye bonke abaxhomekeke kuwe, itsalwa kwizigqeba ezithile. Apho kuyimfuneko ukuba idilesi kufuneka ingxelo? Ngoku inika meko ezimbalwa. Abemi ukusuka kuluhlu olungentla lwamaxwebhu kufuneka isicelo:

• indawo fund Pension, nto leyo likhaya oxhomekekileyo.
• Pension Fund ka-Russia.
• FSS.
• 'S MFC.

Kanye apho isicelo, akukho mahluko ethile. Kodwa ke wenza ingxelo kunye namaxwebhu ukuba eze FIU. nombona khona apho zoba ahlawulelwe ngokukhawuleza. Kwakhona sibongoza mali yomhlalaphantsi yindlela ikhawulezayo yokufumana kwaye enika inkamnkam.

imithetho yokubala

Yiloo nto zonke iimpawu, kufuneka uqaphele. Yintoni ipension ukulahleka umfazi aswelekileyo umondli? Imali ngqo kunzima ukubiza. Enyanisweni, ubukhulu becala kuxhomekeke ubude wenkonzo uswelekileyo "getter". Kukho indlela ekhethekileyo ukubala ngokwamalungelo. It has le fomu ilandelayo: S = K / (M * N) / BR + CL, apho:

• S - ubungakanani bentlawulo.
• K - inani mali kwi-akhawunti yomhlalaphantsi womfi ngexesha lokufa.
• M - iinyanga, nto leyo yayiza kuba intlawulo yepenshoni kuthwalelwa phandle (iinyanga 228 ukususela ngo-2013, xa umntu sele ayifikelelekanga yobudala yomhlala-phantsi).
• N - lixabiso elifunyenwe ngokwahlula zonke iminikelo RPF 180.
• CN - inani abaxhomekeke kuwe.
• BR - imali esisiseko ye pension yexhoba.

Njengoko ubona, indawo elizimeleyo ukubala iintlawulo cash kunzima. Ngoko, ulwazi oluchanekileyo kufuneka zifumaneka kwi Pension Fund. Kuxhomekeka kummandla ohlala. Eyona nto kukuba akakwazi ngaphantsi kwenqanaba lokuphila ubuncinane kwinkalo ethile ubukhulu ukuma iintlawulo. Le yenye into ebangela ubunzima izibalo.

Izibalo ze-inshorensi yomhlalaphantsi

A indima enkulu kuba zonke iintlawulo na i-inshorensi pension ekuthiwa njalo-. Ngoko ke, kuyimfuneko ukuba bakwazi ukubala. Ngokwakho ukuba ukwenze oko kuyingxaki kakhulu. Ingakumbi ukuba anithanga landela utshintsho zamvanje kwimithetho. Yintoni wabeka pension bexhoba yomfazi umfi lo umhlalaphansi emkhosini? yokubala indlela yentlawulo inshorensi wabeka ngolu hlobo lulandelayo: PS = PC * UK apho:

• PS - inkxaso-mali inshorensi.
• PC - rate osindileyo umhlala-phantsi.
• SC - ixabiso ingumlingani omnye.

Le imbuyekezo yemali umiselwe ngalinye ilungu lentsapho ikhubaze ngummi. Eyona ngxaki inkulu - oku utshintsho esisigxina kwixabiso imiba yomsebenzi. Kufuneka ukufumana ulwazi malunga esi salathisi kwidolophu yakho ngqo phambi kokuba nokusebenzisa accrual wenkxaso karhulumente. Kungenjalo, ungenza ngokulula ukwenza impazamo izibalo.

Ukuze abafazi zomkhosi

ingqalelo eyodwa kufuna ipension yexhoba umfazi yakhe nejoni ungasekhoyo. Ingongoma kukuba ubungakanani intlawulo kulo mzekelo iya kuxhomekeka isizathu sokuba umyeni wakhe wafa engumhlolokazi.

Xa kuziwa Kwiimeko apho kukho umonakalo nokwenzakala imfazwe, imbuyekezo yemali kuya kufikelela ku-200% kokuxhamla zentlalo. Ukuba ukufa ngenxa yokugula, efunyenwe ngexesha yokwenza izibophelelo zomkhosi, imali umfazi wakhe wazibeka mali ka-150%.

Kwakhona kubalulekile ukuphawula ukuba i-inshorensi nomhlala abafazi wabeka ibhonasi ecacileyo. Kungenxa ngo-2016 ukususela nge-1 Februwari 2279 bonke engange kunye kopecks 47. Le ntlawulo kwambatha ngalinye ilungu abakhubazekileyo lentsapho womfi. It inikwa bonke abafaki-zicelo intlawulo kwi ukufa "umondli 'kuphela.

yomhlalaphantsi Social

ngomzuzu wokugqibela - yiloo nto ipension kwezentlalo ukulahleka umfazi aswelekileyo lweli wabeka. Lubonakaliswa isixa esiqingqiweyo kwaye itsalwa qho ngenyanga. ngeke ibe ngaphantsi kwe ubuncinane kwinqanaba sokutya umhlala Le imbuyekezo yemali.

Ngowe-2016 umyinge mmandla ibekwe intlawulo ekuhlaleni osindileyo ngaphakathi 8 500-8 600 engange. Ulwazi ngqo kufuneka uyazi kwingingqi yakho ngexesha accrual kwemali. Ngoku ndiyaqonda oko kwambatha ukulahleka pension yomfazi umondli umfi. Indlela le mali? Oku, kakhulu, akusekho mntu waziyo. Guqulela iingcinga zibe yimpumelelo kuba ngokukhawuleza kakhulu, ukuqokelela nje uluhlu ethile lwamaxwebhu.