Indexation za inshuwalansi mbali ya zaka penshioni

Mfundo accrual wa penshioni ndi chimodzimodzi aliyense inshuwalansi pulogalamu ndalama. Akamanena za njira kwagona kuti anthu mu ntchito miyoyo yawo kulipira zopereka malipiro ndipo kenako, kulowa choyenera zina wayamba anapeza ndalama. Mwambo inshuwaransi imeneyi ndi olumala.

Ndalama anapeza pa nthawi yonse ya opareshoni, munthu afika kuposa kamodzi ndipo zonse, ndi pa mwezi, mu kufanana pafupifupi wofanana. Koma kupatsidwa mlingo panopa kufufuma, kuchuluka sangathe nthawizonse kumakhala pa mlingo chomwecho. Pakuti ichi ndi zofunika indexation za inshuwalansi mbali ya penshioni ya. kukula kwake kudzadalira zofunika anachita. Choncho, za moyo wake pambuyo tchuthi choyenera kuganiza posachedwapa.

Kodi inshuwalansi penshioni?

Musanayambe kusankha kuti indexation iyi ya inshuwalansi mbali ya penshioni, muyenera kuti disassemble kufunika lingaliro ili.

Mtundu wa malipiro akuimira chipukuta misozi kwa anthu omwe ali inshuwalansi chifukwa chilichonse sangathe ntchito. Izi zikhoza kukhala chifukwa ukalamba, kupatsa magulu a olumala, pamaso pa anthu olumala banja, ubwino anapulumuka.

Mu mtundu uwu wa ndalama monga zigawo ziwiri. Mwachindunji inshuwaransi penshioni, amene masamu ndi indexation inshuwalansi mbali ya penshioni ntchito, ndi zochuluka.

ndi mitundu yosiyanasiyana ya penshioni Kodi

Insurance penshioni amavalidwa osati nzika omwe ali kuwalakwira zina, komanso anthu ena ndi chifukwa wogwila. Zifukwa milandu awa motere:

• ingapo;
• gulu kulumala, anatsimikizira ndi maganizo a zachipatala komitiyi;
• imfa ya breadwinner a.

zikuchitikazi kulandira akale inshuwalansi zaka penshioni Kodi

Osati anthu onse okalamba ali ndi ufulu kulandira malipiro inshuwalansi penshioni. Kuti zimenezi zitheke, pali zinthu zina zimene ayenera kukwaniritsa, kuphatikizapo:

1. Age. Kuti athe kulandira penshioni, mwamuna ayenera kuyesetsa zaka makumi asanu zakubadwa, ndipo mkazi - makumi asanu.
2. Mkulu. Mu nthawi kuchokera 2015 mpaka 2024, mtengo uwu kuchuluka kwa sikisi khumi - chaka pa unit.
3. Kukula munthu penshioni chiŵerengero. Mu nthawi kuchokera 2015 mpaka 2025 chiwerengero ichi chidzachulukira ku 6,6 30 - chaka ndi 2.4.

ndi nthawi inshuwalansi Kodi

Mtengo wa ndalama accrued likukhudza kukula kwa inshuwalansi mbali ya penshoni. kuchuluka kuti kuika nzika amene ali pantchito kumatengera zifukwa zingapo. chikhalidwe china mkulu.

Insurance nyengo - kuti phindu okwana nthawi zonse ntchito. Izi zikuphatikizapo zinthu zina. Ie zochitika chifukwa chimene munthu yochepa ankagwira ntchito. Iwo n'komwe pamene kuwerengetsa kukula kwa penshoni.

nthawi zonse imene Fund ndi penshioni analandira zopereka, anawonjezera kuti kutalika kwa utumiki. Kawirikawiri, izi zimachitika pa nkhani zina. Njirazi ndi monga:

• Service mphamvu onyamula zida kapena mabungwe yazamalamulo (apolisi, miyambo, Maloya, makhoti);
• kulephera yochepa ntchito chifukwa matenda;
• umayi kuchoka, koma nasiya chisamaliro ana onse nthawi imodzi sayenera zaka zoposa zisanu;
• udindo mongoyembekezera lova chifukwa yosamutsa kapena kutengerapo wa bungwe lawo mu malo osiyana;
• kumagwira ntchito mu mongodzipereka;
• kukhala m'ndende chifukwa cha milandu chilolezo kapena kupondereza;
• kusamalira munthu wolumala ndi gulu loyamba la wolumala, mwana olumala ndi okalamba munthu wamkulu kuposa zaka makumi asanu ndi atatu;
• akazi asilikali kukhala mu malo ndi kulephera kupeza ntchito (nthawi ino sayenera upambana zaka zisanu);
• nthawi yogona achibale a anthu ogwira ntchito ndi mabungwe zamtendere kunja (yekha zaka zisanu).

Anawonjezera kuti nthawi mkulu kutchulidwa pokhapokha ngati, isanayambe kapena itatha nthawi iyi zinachitikadi ntchito ntchito.

ndi indexation a penshoni chiyani?

M'zaka zaposachedwapa, inshuwalansi mbali ya penshioni ndi m'manja mwa boma. Indexing - ndi kuonjezera kukula kwa ndalama, amene amapangidwa chaka. Kuwonjezera mlingo wa indexation amakhudza kuchepa mphamvu ya wosanjikiza oona za anthu kugula.

Popeza inshuwalansi mbali ya penshoni (kumene indexation ali m'nkhani ino), ndi chikhalidwe, njira Kugawilidwa kwanthaka ndi osiyana. Mlingo wa kuwonjezeka mu kukula kwa ubwino chikhalidwe bwanji ang'onoang'ono osachepera aliyense dera. A indexation za inshuwalansi mbali ya penshioni chimadalira pa milandu ya chikhalidwe, ndi kufufuma index ndipo zokolola za Fund ndi penshioni ya la Russia.

Kodi zolozera anafotokozedwa kuti Kugawilidwa kwanthaka ndi

The koyefishienti wa indexation za inshuwalansi mbali ya penshioni ndi recalculated malinga ndi zizindikiro za chuma, makamaka mlingo kufufuma. Koma nthawi yomweyo kukula kwa mabonasi sadzakhala upambana mphamvu ya bajeti boma. Pachifukwa ichi, Kugawilidwa kwanthaka pachaka malamulo ena a boma. Pa ndondomeko osati zimakhudza zinthu ndalama boma, komanso zinthu chikhalidwe. Kuti kusintha kwa boma ankamvetsa owonjezera anakhazikitsidwa monga malangizo apadera ndi maweruzo.

Indexation inshuwalansi mbali ya penshoni kwa zaka anali ndi tanthauzo losiyana, ndi kuwutsata mphamvu zake kovuta, chifukwa recalculation zinthu mosiyana. Mpaka 2013 ndondomeko kuwerengetsa chiŵerengero anali mmodzi. Ndiye vuto ndalama la Russia anayamba poipa kwambiri recalculated kwathunthu kuonetsa zinthu pa dziko. Choncho, mu 2016 nzika kukhala kwayekha, analandira ndalama za penshoni, pa mlingo wa chaka chatha. Indexing wakhala anasankha amalipiritsa kamodzi, ndipo mtengo wake unali peresenti anayi.

Kodi mphamvu mawerengedwe a indexation ndi

Mu chaka chatha, monga tanenera kale, kamodzi kokha izo recalculated inshuwalansi mbali ya penshioni ya. Ichi chinali chifukwa kuchepa katundu pa bajeti boma. Indexing, chaka chino amapereka zikuchuluka awiri. Mmodzi inakonzedwa oyambirira February, wina kutenga malo mu April. Ndondomeko otere zotchulidwa malamulo.

Indexation za inshuwalansi mbali ya penshioni anali ndi phindu osiyana chaka:

• mu 2010 - 6.3%;
• 2011 - 8,8%
• mu 2012 - 10,65%;
• mu 2013 - 10,12%;
• 2014 - 8,31%;
• 2015 - 11,4%;
• 2016 - 4%;
• mu 2017 - 5,8%.

Monga adzakhululukidwa recalculated mu 2017?

Kuti mwanjira zoperewerazo malipiro mu 2016, boma anaganiza accrue ndi zochuluka za rubles zikwi zisanu.

Malangizo chinthu cha chaka panopa zimadalira kuchuluka kwa penshioni, lomwe linakhazikitsidwa pa mapeto a 2016. Popeza mlingo kufufuma anali peresenti 5,8, phindu masamu ndi wofanana 1,058.

Malinga ndi kukhazikika mu chaka panopa index, inshuwalansi, penshoni ambiri Russia ali motere:

• zaka - 13 620 rubles;
• ndi pamaso pa olumala - 8457 rubles;
• wopulumuka - 8596 rubles.

Ngati mulibe kuganizira malipiro amodzi kenako tikhoza kunena kuti mu nthawi iyi si ikuchitika indexation za inshuwalansi gawo, koma kusintha kwake.

The kusintha woyamba ikuchitika ndi February 1, amaganizira ukulu wa Kukwera kwa mitengo ya katundu pa chaka chathachi. recalculation limeneli limagwira. The chachiwiri zimadalira profitability wa Fund ndi penshioni ya Russia, ndipo malinga ndi boma ake amapereka ndalama. Koma indexing wochititsidwa ndi woyamba wa April, malinga ndi lamulo zogwirizana sangathe ikuchitika.