Pension Military iminyaka yenkonzo: imithetho ukubala, izibonelelo kunye neempawu

Abantu iyunifom iminyaka emininzi lizuze yabantu ilizwe lokuzalwa, ngokufuthi akhusela kwiphandle amabele abo. Kwaye ngoko ke uhlobo lwemisebenzi zabo, badla ke umhlala ngaphambili kakhulu kunokuba abanye icandelo eyomeleleyo yabemi.

Kwaye kulo mzekelo, mhlawumbi imibuzo ingxamisekileyo - i "kufumana imali ukuba abantu beli msebenzi iminyaka yenkonzo" yaye "yintoni ukuthini igama elithi" pension emkhosini "." Kulo kunye neminye imiba ebalulekileyo siya kuzama ukuqonda inkcukacha ngezantsi.

Ngubani na abemi bangazuza efumene pension iminyaka yenkonzo?

Exhaswa yi umthetho Russian Federation, abasebenzi omkhosi isicelo sezibonelelo zomhlala inkonzo elide kwezi meko zilandelayo:

• ngexesha obhobhozayo ekubhobhozeni kwakhe ndakukhupha yamajoni amava iyonke kufuneka ube neminyaka engama-20;
• ukuba isixa ubude nkonzo engama-25, kodwa isiqingatha kuphela kubo zanikwa ukuya emkhosini, kunye nobudala bomntu engama-45, ngoko ke ufumana superannuation pension olo lunokuxhomekeka iingxaki zempilo okanye xa kuqala komda ubudala zesithuba kuphela.

Ukuba kukho ubuncinane omnye wemiqathango ngentla, umntu unelungelo ngokupheleleyo ipenshoni inkonzo elide amajoni.

Kodwa xa kukho imeko umva, ubude lenkonzo yongezwe ubude iyonke wenkonzo. Ngenxa yoko, umntu uya eholideyini ngezizathu ngokubanzi, kuchaziwe ngumthetho pension.

yobudala yomhlala-phantsi

Kubalulekile ukuphawula ukuba yobudala eliphezulu umhlala kudidi ngalunye umkhosi wakho:

• ekukhonzeni abasebenzi wacela - engama-50;
• Jikelele Intermediate - engama-60;
• ingxenye ephakeme - engama-65;
• female - kweminyaka engama-45.

Oku kusebenza kuphela kubantu iyunifom abakhonza ukuze kuzuze kwilizwe lawo.

Iimeko ipension iminyaka bempi yenkonzo

Amaxesha amaninzi, abantu abanomdla umbuzo wokuba yintoni na iimeko kubalo yesibonelelo semali inkonzo elide.

Ukuba ijoni ukufumana ipension iminyaka yenkonzo, kufuneka oku kulandelayo:

• sikhonza impi USSR, i ico kunye Russian Federation;
• umntu kufuneka kukhonza kwilizwe iminyaka engaphezu kwama-20 ubudala okanye ufikelele kwiminyaka yomhlalaphantsi.

Kukho iimeko ezimbalwa apho intlawulo efakwa, libhekisela kubantu abalungiselelayo imizimba imicimbi zangaphakathi, ekulawuleni amalungu ukuthutyeleziswa kweziyobisi kunye namaqumrhu kwinkqubo yobulungisa yolwaphulo-mthetho. Kodwa ke ngaxeshanye ukubalwa kwezibonelelo zomhlalaphantsi ehambe eyahlukileyo.

Features yokubala pension zomkhosi

Ukuba umntu kuxhomekeke mfuno zilapha ngasentla, ukuba uyakwazi ukufumana ukuba accrual kwenkonzo pension emkhosini.

Kodwa uya kuba yintoni na ubukhulu sentlawulo, sibheka ngezantsi.

Xa ngelo xesha, xa kukho ukugxothwa kunye nokufikelela ukuze baphumle kakuhle nelilifaneleyo, kukho ubude ubuncinane inkonzo yeminyaka engama-20, imali umnatha ye pension iya kulingana isiqingatha yomvuzo leyo umntu ezifunyenwe ngethuba wenkonzo. Lo mgaqo ukwasebenza abantu babe namava oqhelekileyo labour umsebenzi yiminyaka engama-25, isiqingatha awayinikwayo ukuba ukukhonza izidumbu zomkhosi. Umzekelo, ukuba umntu abe umvuzo yasemkhosini 30,000 engange ngenyanga, isixa nomhlehlo iintlawulo zomhlalaphantsi ngaphandle iipremiyamu ixabise 15 000 lamawaka engange ngenyanga.

inkqubo yokubala

Yintoni inkqubo yokubhalwa ipenshoni amajoni inkonzo elide?

Ukuba umntu uchithe enkonzweni kwiminyaka engaphezu kwama-20, kuvela umahluko. Ngamanye amazwi, umntu oye wakhonza iminyaka engaphezu kwama-20 kwimikhosi exhobileyo ziya kuba nako ufanelekele ukuncedisana ukuya yomhlala net nokuba kwi-3% ngonyaka zigqithiswe ngamnye. Kubalulekile ukuqwalasela ukuba imali iyonke efunyenwe ipenshoni ngesixa ongeziweyo malunga nesicelo ukudlula i-85% yomvuzo ifunyenwe ngaphambili. Kunye nomzekelo oku; ukuba kulo nyaka ibe yi umvuzo avareji ngenyanga kwi-mali ka-30 000 amawaka engange, ukuba le mali ibalwa kwaye ezongezelelweyo-3% ukuya kwi pension umnatha.

Ukuba ijoni abe namava engumxube, oko kukuthi, i-ingxenye inkonzo, kwaye esinye isiqingatha waya kwezinye izakhiwo, ngoko ukuze ukwanda kunyaka ngamnye kuyasetyenzwa 1% kuphela. Kwaye iya kubalwa kumgaqo njengoko kuchaziwe apha ngasentla.

Forms lwentlawulo

Kufuneka kuqatshelwe ukuba injongo imihlala-phantsi yabasebenzi zomkhosi eyenziwe iintlobo ngeentlawulo, ezizezi:

• izikhundla umyinge;
• rate okukhethekile wamajoni okanye isikhundla;
• songezelelo yemali iminyaka yenkonzo;
• iintlawulo ezinxulumene indexation kwe pension;
• ukubuyiselwa ukutya kunye Iindleko zenyanga lwezabelo zomkhosi.

Enye into ebalulekileyo kukuba kwisiphumo se bonus isiphumo sokwenza umsebenzi kwiindawo ezikude akayi kubandakanywa. Ukususela kulo mzekelo ukubalwa intlawulo yepension kuba ifomula eyahlukileyo ngokupheleleyo. Ukongeza, kwinqanaba lowiso, a ecacileyo kulawulwa ubungakanani yepenshoni zomhlala phantsi servicemen.

Le mali kufuneka kube kanye 100% inxalenye eyintloko nkam-ubudala, eyasekwa ngexesha yokubala kwaye kuqaliswa le emkhosini. Xa kusenziwa oku, sijongeka njengoku: Ukuba ngexesha lobhaliso lwe pension kukho ubungakanani isibonelelo wemali ka-10 000 lamawaka engange, ukuba lithathe imali yasemkhosini ngezantsi kweli nqanaba akuvumelekanga ngokungqongqo.

Ngaba kunokwenzeka ukuba ukufumana ipension ezimbini ngexesha elinye? Indlela ukuzihlela?

Kuqala kwinto zonke, zonke ijoni uya kwala pension iminyaka yenkonzo wakhetha ipension, nto leyo ikhutshwe ngenxa yokwaluphala. Kulo mzekelo, amandla yaye zibethelelwe kwinqanaba lowiso-mthetho, Ukuphandwa ngokufumaneka Isibonelelo imali age endala njengoko ukuxatyiswa aqinisekiswe endala-inkamnkam.

pension Military iminyaka yenkonzo iyakuthi ihlawulwe kunye endala-yobudala yomhlala phantsi kwezi ngongoma zilandelayo:

• indoda emkhosini kufuneka siqhubeke ukuqhubeka ukusebenza phantsi kwesivumelwano;
• umntu ofuna ukufumana isibonelelo endala-ubudala, kufuneka zifike yobudala efunekayo ngokomthetho;
• ixesha inshorensi summable kufuneka ube neminyaka emi-5;
• phantsi komthetho empini elibeka unelungelo lokufumana isibonelelo imali yenkonzo elide.

Kufuneka kukhunjulwe ukuba xa kubalwa imali lamathuba yomhlala pension msebenzi umhlala emkhosini, kungekhona zithathelwa ingqalelo ukuba sele ithathelwe ingqalelo.

wenza ukubalwa ubude inkonzo yabasebenzi emkhosini ababekhonza phantsi kweemeko ezizodwa njani?

Phantse wonke Isosha ulwazi yezikhundla ayisoloko kwenzeka kunyaka wekhalenda. Ukuba umntu lowo ephethe emkhosini phantsi kweemeko ezizodwa okanye owayebandakanyeka ekwenziweni kwemisebenzi entsonkothileyo, ngoko lo mntu ukuba isicelo yokubala preferential ye pension zomhlala phantsi servicemen.

Umzekelo, abantu ababandakanyekayo ekulweni okanye esemsebenzini ngelo xesha, xa kwamiselwa lwemo yonxunguphalo. Kwiimeko ezinjalo, ukubala eyodwa isicelo kulo mntu. Lo mgaqo ukwasebenza abo amajoni abo ubesoloko ethatha inxaxheba kwimisebenzi counter-ubunqolobi kwi North eCaucasus.

ngenyanga nganye, le nkonzo iya kwaphindaphindeka kathathu. Ngamanye amazwi, ngenyanga lubalwa 3. Ngako oko, ukubalwa ipension ukuba amajoni inkonzo elide ziya kuba 1: 3. Umthetho welizwe lethu, yaye iphawulwe nezinye iimeko apho accrual yezikhundla kunokwenzeka kwi ngokwesiseko sokukhetha. accrual Preferential kufanelekile ukuba athabathe ukuba inkonzo yokuhlala kwenzeka kwiindawo apho iimeko zemozulu ezimbi. Ezi ziquka i Far North nezinye nokulingana kwimimandla endle lizwe lethu.

Kodwa ke kukho enye ingongoma ebalulekileyo: Ukuba ilungu elidla umhlala-mkhosi liqala umsebenzi wakhe, lo intlawulo iza kuba ingafikeleleki. Ukuba umntu abuye umva, intlawulo kwakhona zibuyele kwaye ziza kuphinda kuguqulwa-. Kulo mzekelo, landela ukwenyuselwa ukuba ngonyaka ngamnye imali.

isibonelelo phantsi ukuze amajoni inkonzo elide ngo-2017

Unyaka omtsha na oya nabo bonke abadla umhlala-mkhosi konelungelo ngayo, isibonelelo iminyaka yenkonzo. Kuza kubalwa nje kuphela ngendlela imali shicilelo, kodwa kwinkqubo bonus, ezizezi:

• xa amava yomkhosi kweminyaka engama-30, indawo ibhonasi iya kuba 1 ndawo;
• Kaloku, ukuba amava yasemkhosini kwiminyaka engaphezu kwama-40, kwaye ibhonasi iya kuba amaxesha amaninzi ngakumbi - 5 amanqaku.

Ngaba indexation yomkhosi ye pension ngo-2017?

Unyaka omtsha uya kumkholisa umhlalaphansi ezininzi emkhosini, wona kuphela. Uninzi ingxenye ngesondo abantu balindele izimanga ezininzi. Ntoni? Funda on.

Ngosuku lokuqala kuFebruwari kulo nyaka kubekho ukwanda kwe pension umhlala-wonke. Ulungiselelo lwenziwe ngomlinganiselo 5.4%. Ngaphezu koko, iindaba ezilungileyo ayipheli apho, ukususela kwekaTshazimpunzi kulo ntlawulo liye landa nge-0.4%. Ngenxa yoko, ukwanda lilonke kuya kwenzeka 5.8%.

Njengoko iya indexed umhlalaphantsi zomkhosi ngenxa iminyaka yenkonzo? Ngokunxulumene udidi oluthile benkonzo karhulumente, ingakumbi sithetha emkhosini, eli qela labantu, njengoko nisazi, inamalungelo akhethekileyo, ngoko ukwandisa pension yabo iya kuba ngolu hlobo lulandelayo:

• ukwanda umyalelo ngonyaka ka-2%, kungakhathaliseki kuneqondo lokunyuka kwamaxabiso kunye nezinye izinto;
• indexation olusisinyanzelo imali yomhlala ukuba izinga lokwenyuka kwamaxabiso, njengoko siyazi, ukuba 5.4%.

Ukuba senza izibalo ezilula, umfanekiso icacile - umhlala zomkhosi uya kunyuka nge 7.4% iminyaka yenkonzo.

Ukongeza, kuba umhlala zomkhosi zonke izibonelelo. Njengoko ngaphambili, abadala kwale maleko liya kuba nelungelo ukuthatha uhambo simahla kwizithuthi ezithile zoluntu. Ngaphezu koko, oku ngokupheleleyo bonke abadla umhlala-phantsi zomkhosi banelungelo lokufumana isaphulelo yokukhwela yezinye iindlela zothutho.

Kodwa ayikho kuluhlu yonke inzuzo. Xa umntu ofumana ubume umhlala emkhosini, yena unelungelo lokuba ngokunenzuzo isaphulelo-75% kwi itikiti ukuya kweso sibhedlele. Kwakhona kubalulekile ukuba umthwalo werhafu kolu didi abantu usezantsi kakhulu kunobangelwa ngamanye amacandelo oluntu. Isaphulelo kwi irhafu malunga izithuthi kunye nomhlaba. Kubalulekile ukuphawula ukuba kukho omnye kukhetha kakhulu ezihamba ngendlela imbuyekezo akhethekileyo yezinkonzo. Apha nto ithetha ntoni umhlala ukuxatyiswa okukhethayo abasebenzi zomkhosi.

isiphelo

Le minyaka embalwa edlulileyo kwilizwe lethu ukuba entsonkothileyo kakhulu. ixesha ngakumbi nzima sadlula sele wema ngaphandle ngenxa zoleko ezininzi ngokungakhuselekanga yabemi - abadla umhlala-phantsi. Kodwa unyaka omtsha kuye nokholo nethemba lokuba izinto ziza kuba bhetele, yaye njengoko kubonakala zonke ngasentla, le imeko kubonakala.

Ngokuphathelele umhlala emkhosini, izigqibo zicacile: i icandelo labantu kwilizwe lethu kuxhaswa ngamandla ngurhulumente. Kwaye oku kubaluleke kakhulu. Njengoko amajoni umhlala ngembeko bakhusele umhlaba wabo kunye nabantu iminyaka emininzi. Kwaye xa sele ilungelo esivakalayo ukuphumla kakuhle nelilifaneleyo, urhulumente uye olityelweyo ngabo, yaye uyaqhubeka ukunyamekela kunye nenkxaso eziphathekayo.