UMntu oKhuselwe ngeInshorensi - ngubani na le nto? iimpawu ngokubanzi

Ngokungqinelana nemimiselo ezibonakalisa imigaqo -inshorensi, uMntu oKhuselwe ngeInshorensi ngumxholo isivumelwano esisemthethweni impahla yakhe, ubomi, impahla-inshorensi.

Kodwa ukuba sithethe ngayo imbopheleleko urhulumente inshorensi pension, uMntu oKhuselwe ngeInshorensi - ngabo bantu abafumana umhlala-phantsi kwi-Pension Fund, hayi imbuyekezo, ngexesha xa umntu ufikelela kubudala amagqabi ngeseleyo olulifaneleyo.

Yintoni isiganeko benefits kwi zeinshorensi kwi Pension Fund?

Emva kokuba kuhlaziyo lomhlala-phantsi ingenzeki kwaye ikhutshwe emva kwengozi. Oko kukuthi, ukuba inkqubo ye pension karhulumente ngoku ukhuseleko ingozi yokuba umntu benefits FIU ahlale ngaphandle esebenzisa sokutya, okt. E. In umhlala-phantsi. Ziziphi iziganeko inshorensi ngoku ucinga umthetho? Amatyala inshorensi bantu balandelayo:

1. Umhlala-phantsi xa ubudala buthile.
2. Ukulahlekelwa nemali ekhaya. Yaye nayiphi na ubudala, ukuba abantu babo abakwazi ukuba bafumane iziqinisekiso yokuziphilisa.
3. Ilahleko (total okanye ngokuyinxenye) ukukhubazeka. Kwakhona, nangaliphi na ubudala kwasekuzalweni.

Yonke iminikelo, yonke inkcazelo yobuqu igcinwe kwiziko ledatha yobhaliso obumntwisiweyo ye RF Pension Fund. A zomhlala kuvunywa ngokomthetho "Xa isimo ubonelelo pension kwi Russian Federation» - №166 - fl. Umthetho umisela isiseko ngenxa yokumpompoza ilungelo yomhlala ngokwayo, inkqubo yokuqeshwa.

uMntu oKhuselwe ngeInshorensi - ngubani na le nto?

Bonke abemi baseRashiya kunye nezifundo amazwe abahlala okwethutyana eRashiya, ukuba zisebenza phantsi zabasebenzi okanye isivumelwano yoluntu, ngabantu zeinshorensi, njengoko akuwuthobeli umthetho federal kwi-inshorensi yomhlalaphantsi ezinyanzelekileyo.

umthetho Federal umisela zonke iinkcazelo kunye neemeko kwimirhumo siqinisekiso, ukubuyiselwa kunye nokutshintsha ngummi. Konke enokuthanani ingxelo ngayo isifundo benefits ingafunyanwa kwi-ofisi PF ngamnye.

-Inshorensi cula Abantu abaKhuselwe ngeInshorensi

Insurance coverage phezu kukuvela iziganeko zeinshorensi ziyanakanwa ngasentla:

• yomhlala pension zabasebenzi;
• Savings kunye inshorensi yinxalenye ye pension umntu abakhubazekileyo;
• zezibonelelo zeinshorensi wokungakwazi umondli;
• intlawulo kwimeko ngokufa umhlala-phantsi, Ongasinikelanga wasebenza.

Isiseko yonke inkqubo-mali kwingxowa-mali yomhlalaphantsi zoba mali eziye elaye kwi-mali, ngokunjalo elaye kwi-akhawunti yakho le mali.

Imisebenzi ye FIU

ingxowa-mali yomhlalaphantsi ilungiselelwe ukunika abantu zonke iintlobo iingenelo. Xa ilizwe oluphucukileyo abantu kufuneka ukoyika ukuba, ukuba ezilahlekileyo umthamo ukusebenza, uya kusala ngaphandle ukhuseleko yoluntu. Ngoko ke, xa sithetha nje, abantu ngeinshorensi - bonke abemi abo zixhomekeke inshorensi yomhlalaphantsi siqalwe kurhulumente.

Njengoko i-arhente karhulumente kazwelonke, i Pension Fund yenza le misebenzi ilandelayo:

• kwaye ithetha iifom a pay-mali amaqela insured;
• ukunika iziqinisekiso ukuze kwakhiwe eyinkunzi usapho;
• ethwele eyongeziweyo ukuya imihlala kwinqanaba sokutya i sifikelele lokugqibela;
• ukuphumeza neenkqubo zehlabathi;
• ngenye indlela.

Kananjalo kukho umsebenzi obalulekileyo umzimba FIU - ukuqhuba i-akhawunti wena eneenkcukacha zonke nxaxheba kwinkqubo-inshorensi, ukuze ixesha kwaye imali ngokupheleleyo abantu imali yabo.

akhawunti Personal kwi-website ye-Russian PF

Ngenxa inkonzo ekwikhompyutha mihla 'akhawunti lobuqu uMntu oKhuselwe ngeInshorensi, "ababhalisiweyo ungabona yonke idatha kwi-akhawunti yakho. It ubonisa ulwazi ezifana ubude ukuxatyiswa inani lamanqaku ezigcinwe.

Running ofisi zabucala ukususela 2015. Ukusebenzisa le nkonzo, kufuneka ube isiqinisekiso inshorensi. Inkonzo electronic FIU zinika lonke ulwazi oluyimfuneko nabantu inshorensi. Kukho amagumbi ezahlukeneyo zombini insurer kwaye inshorensi ukuya kwizifundo. Ukuba kukho umbuzo, unako ukubacela ukuba ngumcebisi kwimo online.

Bhalisa ku inxuwa alixakekanga kuyimfuneko. Kwane- ubhaliso kwi portal kweenkonzo zoluntu.

Ukuba sele unayo ikhodi kusebenze lobuqu, ngena kuyo kwi "Data Personal" - icandelo leenkonzo zoluntu. Ukuze ubhalise ukuba Esia ukuya zeinshorensi kufuneka incwadana yokundwendwela, iinkcukacha isiqinisekiso inshorensi kunye nenombolo yeselula.

Isiza RPF akuseyomfuneko ukwenza emva koku iinkcukacha zobuqu. Konke oyenzayo uye kwiphepha - "The yiKhabhinethi uMntu oKhuselwe ngeInshorensi" uklikhe ku- "Ngemvume". Le nkqubo iza ukukubona.

Innovation kwi website FIU

akhawunti Personal kakhulu lula unxibelelwano lengxowa-mali yomhlala-phantsi kunye nabemi. Emva kokuba bonke abantu ngeinshorensi - kufuneka abo bafuna uncedo iqumrhu loluntu, yaye zonke iinkonzo gca kubo bonke abaxhasi. Kwiminyaka yakutshanje, le nkonzo ukwandisa iinkonzo zayo.

Ngoku intanethi ungabona akhawunti yokonga alo karhulumente abo abemi abasahleliyo nangoku amazwe. Ngaphambili, oku kuya kufuneka ukuba ubhale isicelo kwaye yilindele impendulo. Kwaye ngokukhawuleza ngoku kunokwenzeka ukuvala kwisicelo ukuba imeko yengqesho yomntu itshintshile.

Amalungelo kunye neemfanelo kwabo inshorensi

Amalungelo kunye neemfanelo kula maqumrhu ichazwe ngu Inqaku le-14 yeSahluko. 3. Federal uMthetho "Xa umntu obhaliswe kwi-inshorensi pension enyanzelekileyo." UMntu oKhuselwe ngeInshorensi njengesifundo lobudlelwane zomthetho, Kakade ke, amalungelo ayo.

Amalungelo Abantu abaKhuselwe ngeInshorensi:

• Ukufumana ulwazi FIU malunga nemeko-akhawunti yakho. Olu lwazi kuthunyelwa imiyalezo ye-imeyl ukuba iklayenti kakuhle.
• Bafumana ikopi yale ingcaciso ngokwayo, apho yeinshorensi ithumela kwi Pension Fund.
• Thumela isicelo FIU ukutshintsha yeinshorensi ezi data ukuba ayilunganga. Ukuze izicelo kuba abasemagunyeni irhafu okanye iinkundla.

Kwakunye inshorensi kufuneka ukuzalisekisa le misebenzi:

• qiniseka ukuba bafumane isatifikethi inshorensi;
• ibhaliswe Izidumbu RPF;
• qhagamshelana amagunya RPF kunye isicelo esithile, xa data wakhe itshintswa;
• ingxelo ukulahleka kwesafikethi;
• ngesicelo abasemagunyeni RPF ukunika onke amaxwebhu axhasayo idatha zobuqu sigqithiswe zeinshorensi kule ngxowa-mali.

Ngaphandle nokuphunyezwa kwale nkqubo nemimiselo mali ayikwazanga ukusebenza ngokupheleleyo. Ngoko, inzaliseko ngexesha le izibophelelo umdla insured kunye.

Uxanduva lwe-inshorensi

OKhuselwe ngeInshorensi umusa ngokuqhelekileyo abaqeshi abahlawula imivuzo kwaye ugcine iingxelo iminikelo. amalungelo abo kunye neemfanelo ilawulwa ngumthetho efanayo njengoko amalungelo amaqumrhu-inshorensi.

Umqeshi unelungelo kwezi zinto:

• Funa xa ufaka isicelo indawo yokusebenza isiqinisekiso inshorensi esisinyanzelo; kwakunye imfuno ukunika nayiphi na inkcazelo yobuqu ukuze akhuphele ukuba kwiGunya Pension Fund.
• Zincedise inkcazelo ethunyelwe kubo insured.

Kananjalo kufuneka ithobele oku kulandelayo:

• Nika ingcaciso ayifumene umqeshwa abasemagunyeni RF PF ixesha elimisiweyo.
• Kwindibano FIU ukufumana ubungqina kwaye extradite kuye (efunekayo phantsi utyikityo), ukuba umntu usebenza phantsi kwemiqathango yomthetho yoluntu okanye isivumelwano yabasebenzi.
• Khangela indlela engqinelanayo iinkcukacha maxwebhu, amakhadi zezazisi, i data, leyo kucacisiwe kwi-inshorensi.

Le polisi ayilo uncedo, ngokuthi kudluliselwe imali kule ngxowa-mali, kodwa umthetho unyanzelekile ukuba enze njalo.

Imisebenzi eluxanduva Pension Fund

Amalungelo imizimba Pension Fund ziquka la manyathelo:

• data ulungiso kudluliselwa kubo yi insurer;
• ukufumana ulwazi malunga abantu zeinshorensi ezivela kumagunya irhafu;
• I Fund isenokufuna unikezelo kwangethuba ulwazi;

Neemfanelo FIU ngu:

• lawula ulwazi kunye klk;
• ukucaciswa amalungelo abathengi kunye neemfanelo abo insured;
• ingcaciso kwiimpawu ezininzi ukuyilwa ipenshini;
• ukubonelela ukufikelela okuqhubekayo kwinkqubo yekhompyutha "Akhawunti Yam".

I-arhente FIU aziqeshe malunga 130 lamawaka iingcali, kunye besenza umsebenzi kubaluleke kakhulu ukuba urhulumente -. Bona Ukuqokelela aphake imali phakathi umhlala phantsi kunye nabo ngenxa yaso nasiphi na isizathu akakwazi ukusebenza, ukuze zihlawulwe.

Xa ngeinshorensi - inshorensi?

Namhlanje kukho ezi ntlobo ipension: inshorensi, imali kunye gosobespechenii pension. Ukuba uMntu oKhuselwe ngeInshorensi ukhetha umhlalaphantsi yegalelo, uya kufumana ezo imali ukuba akhiwa mali okanye ushishino iintlawulo ngokuzithandela.

Kuba abo wazalwa ngo-1967 nangaphantsi, kunokwenzeka ukuba ukukhetha izikim pension.

Abo bazelwe ngo-1966 okanye nangaphezulu, zokwanda abunjwe ngokupheleleyo iminikelo yokuzithandela. Nangaliphi na ixesha ukususela 2015, ungenza kululahla inxalenye numbers ye pension.