Kodi ndikudziwa inshuwalansi mbiri yanga? Kodi nthawi inshuwalansi, ndi kuti zikuphatikizapo? Mawerengedwe a inshuwalansi

Mu Russia, onse akhala anazolowera kuti mawu akuti "kusintha penshioni" zaposachedwapa, pafupifupi chaka boma asintha zina ndi malamulo. Anthu alibe nthawi kutsatira masinthidwe onse, koma chifukwa kuzindikira m'dera lino Zinkafunikiradi, posapita nthawi, nzika iliyonse amakakamizidwa kuganizira momwe tikupeza wanu inshuwalansi ndi nkhani pantchito.

Nkhani ya

Anayambitsa tanthauzo limeneli chifukwa kupitiriza kusintha anapezerapo mu 1996. Kuyambira pamenepo, pang'onopang'ono kupita kukhazikitsa kulembetsa munthu nzika mu dongosolo ambiri penshioni. Mmodzi wa milingo ya kukhazikitsanso ndi nthawi inshuwalansi. FZ wa 01.04.1996 ndi 16.07.1999 №165 kupereka kutanthauzira osiyanasiyana lingaliro ili, nchifukwa chake pali kutsutsana.

Lamulo loyamba sananene ntchito ntchito, wachiwiri ali ndi chiphunzitso yokwanira bwino, koma masamba ambiri mafunso pa zimene zinachitikira inshuwalansi kwenikweni. The zikutsutsana matanthauzo mpata ngakhale nthawi imene anthu osati ntchito mwalamulo, ndi kusintha izo sizinali mu PF.

tanthauzo

nthawi Insurance - ndi chiwerengero cha nthawi yonse ya nzika za ntchito pa moyo, imene premiums ndi analipira zonse ndi bwana kapena wazamalonda. Komanso, apa kuphatikizanso, pamene amachotsera zofunika sakanakhoza kukhala:

• kusamalira ana chimodzi ndi zaka theka;
• kupeza pa katundu kuwombola, ndi udindo anatsimikizira lova;
• kusamalira munthu wolumala kapena munthu wamkulu kuposa zaka 80;
• nawo zinthu zosangalatsa, analipira m'njira yapadera;
• pamene dziko lina akazi a Bolivia.

Mawerengedwe a inshuwalansi kumatengera zifukwa zingapo: nthawi ya ntchito mu zaka, ndi mbali kantchito :. Yoipa, olemera, nyengo ndi milandu ina chiŵerengero kwa zaka ambiri ndi utumiki wapadera ndi osiyana, nthawi zina zovuta popanda thandizo kwa akatswiri odziwa malamulo kumvetsa gulu la ntchito.

ndi kusiyana kwa ntchito zomwe

Kodi nthawi inshuwalansi kumvetsa zinthu zambiri mosavuta ngati ife tiyandikira ndi fanizo mwachizolowezi ife akuti "penshoni", mu 2015, iye anagwa kuchokera ku ntchito, ndipo amangonena za anthu amene zinthu akutsatiridwa kuwerengetsera mpaka 2002. Kuyambira 2003, malipiro onse adzapatsidwa masamu premiums lapansi.

Kuonanso bwino ntchito yapadera koefishienti penshioni ndi mfundo ndi kudzaunikidwa chaka chilichonse pa pepala osiyana.

Amene ali woyenera kulandira

Sitinalandire zinachitika kusintha chosintha mu ndondomeko opereka penshoni kwa Russia. Anakonza boma kanthu kuonjezera malire zaka chopezera zotchinjiriza moyo kwa boma sanalandirire, ngakhale kuti pali chochitika yogwira ndalamayi.

Choncho, 2017 kupeza chifukwa iye penshoni amai amene afika zaka 55, ndipo anthu 60. Anthu amene kale pafupi ndi m'badwo uno, muyenera tifulumire ndi kuyesa kufufuza mwatsatanetsatane zinthu zonse mmene kupeza inshuwalansi mbiri yanu . Kuwonjezera apo, popeza 2015, boma kupeza kuchuluka pang'onopang'ono kwa nyengo ya ntchito ntchito za anthu, izo zidzachitika pang'onopang'ono mpaka akafika zaka 15.

alipo a mitundu

Gawo chimadalira pa ntchito ndi kupoletsa makhalidwe kachulukidwe ndi Mkhalidwe wa utumiki, pamene woyamba - nthawi zonse, pamene panali milandu, kaya ntchito, ndipo chachiwiri amasonyeza peculiarities kupanga.

1. Onse inshuwalansi nyengo - ndi nthawi okwana ntchito imene mbali ya chimaposa cha kunam'sintha kuti Fund ndi penshioni ya Russia. Kuwonjezera pa nthawi yachibadwa ntchito, pano ali m'gulu ndipo nthawi zina anazindikira mwa chilamulo, angathe kusamalira mwana kwa zaka zitatu, kapena ndime ya usilikali.
2. Professional inshuwalansi zinachitikira - kuti nthawi okwana ntchito kugwirizana ndi zinthu zolemera kapena woopsawo kuntchito kapena nyengo zovuta.

Ndondomeko kuwerengetsa-yakale zaka penshioni ndi zovuta kumvetsa sazidziwa bwinobwino, koma mfundo kuwerengetsera wa moyo tsogolo lawo ayenera kudziwa nzika iliyonse. Makamaka tsopano kuti amafunitsitsa funso mmene kudziwa inshuwalansi zinachitikira. Izi zikhoza kutheka ku nthambi m'dera la PF, komanso pa webusaiti yovomerezeka ya gulu la Yehova.

Features midzi

Tsogolo ubwino chikhalidwe Russia anapanga mu dongosolo machenjerero mokakamizidwa penshioni. Ndondomeko ya mawerengedwe a inshuwalansi anapereka lamulo boma kuchokera 17.12.2001 №173-FZ (Chiv. Pa 11.19.2015). Malipiro amene amaperekedwa ndi ikuchitika mu mawonekedwe a yomweyo, kamodzi kapena ndalama zolipirira penshioni.

Mawerengedwe a utumiki pensionable anapanga pa maziko a makhalidwe kalendala, mu nkhani ya nyengo mwangozi, nzika ali ndi ufulu wosankha mmodzi wa iwo. ndalama akumasuliridwa mfundo zenizeni, chiwerengero chawo zimadalira malipiro mwezi ndi abwana ku thumba la ndalama za penshoni. mfundo izi ndi boma chaka chilichonse malinga zolozera wa kufufuma alipo. Komanso, pansi pa chikhalidwe cha ntchito kwa ndalama za penshoni, si nthawi, ndipo kenako kukula mfundo inshuwalansi adzakhala kuonjezera kwambiri.

Anthu kupereka ndalama zawo mwina mamembala a minda, komanso monga oimira anthu ka Siberia, nthawi ya ntchito chofunika mopitirira pa chikhalidwe chimene iwo kupanga mbali yokhazikika zasungidwa awo Fund ndi penshioni ya la Russia. Ulamuliro N'chimodzimodzinso amalonda payekha.

Nkhaniyi si inshuwalansi nthawi

malamulo amapereka kwa milandu imachita umene munthu analephera kupereka zopereka zonse kwa ndalama ndi cholinga chabwino. Anthu oterowo boma anakhazikitsa dongosolo yakeyake mawerengedwe mfundo inshuwalansi:

• chaka chimodzi moti ankaweruzidwa - 1.8;
• kusamalira munthu wolumala, munthu wamkulu kuposa zaka 80 - 1.8;
• umayi kuchoka ndi mwana wawo woyamba - 1.8;
• chachiwiri - 3.6;
• wachitatu ndi wachinayi - 5.4.

Ndipo pa kuphunzitsa mwana wachisanu pa zimene okwana salinso m'gulu. Paokha kupanga kuwerengetsera onse mosavuta, chifukwa anthu ambiri, funso n'lakuti, ukudziwa bwanji inshuwalansi zinachitikira. Lero izo zikhoza kuchitidwa popanda ngakhale ndikuchoka kunyumba, PF Russia ukugwira ndi hotline usana ndi usiku, komanso zinthu zonse ndi pa webusaiti awo boma.

Kodi mukudziwa zimene zinakuchitikirani

deta izi mungafunikire osati kwa kulowa choyenera mpumulo, koma mwa mawerengedwe a chodwala. Pakuti aliyense wa magulu awa ali ochuluka yake dongosolo. Kukula kwa chilema zosakhalitsa zimadalira mosalekeza nthawi :

• kwa miyezi 6 mpaka zaka 5 - wogwira ntchito analipira 60% ya malipiro;
• kwa zaka 5 mpaka 8 - 80%;
• zaka zoposa 8 kale 100%.

Mavuto angabuke pamene kutsimikizira imfa ya chikalata molakwa recordation kapena sanamwe. Koma ngakhale ngati nkhani zovuta, mukhoza kuteteza ufulu wawo kuti atsimikizire mfundo wapakamwa ayenera kupereka zosiyanasiyana ntchito, zikalata ntchito akupanga ku malamulo ndi nkhani za anthu, limene limatchula malipiro.

The mfundo zolondola kwambiri mmene kupeza inshuwalansi mbiri yanu, mukhoza kupeza pa dipatimenti m'dera lanu la PF. Koma tsopano pali njira yosavuta: mu 2015 pa webusaiti yovomerezeka ya Fund ndi penshioni anaonekera utumiki - ofesi payekha kumene nzika iliyonse la Russia mungapeze mfundo zonse zofunika. Kuti mudziwe kupeza inshuwalansi zinachitikira pa Intaneti, izo ayankhidwa pansipa.

Kodi kupeza

Analiko mpaka 2012 dongosolo kugawa kwa makalata otchedwa unyolo, linali ndi zovuta zambiri, poyamba pa zonse, ndi chitetezo munthu deta. Tsopano pa boma webusaiti PF mu mode online, ndipo mukhoza kupeza mlangizi, nthawi yokumana kapena kuyitanitsa ndi zikalata zofunikira. Mmodzi wa yabwino ntchito - pantchito Chiwerengero, imene nzika iliyonse mukhoza kuwerengera kukula kwa ndalama m'tsogolo.

Kuthetsa funso mmene kudziwa wanu inshuwalansi zinachitikira SNILS kumvetsa mfundo dongosolo la ndalama ndi kuonetsetsa malipiro ndi bwana, inu mukhoza kuona ofesi payekha. Kulembetsa ndi kulowa muyenera imelo adiresi, nambala ya foni ndi ndani khadi, ndi kupeza ena deta ntchito nameplate.

ntchito mchitidwe

Register pa webusaiti ya Fund ndi penshioni akutsegula munthu mosalekeza kudziŵa kuchuluka kwa ndalama zimene zimapangidwa ndi abwana ake, kupeza chiwerengero cha mfundo udachita ndi ntchito pantchito Chiwerengero n'kosavuta kukula kwa ubwino mtsogolo chikhalidwe.

utumiki adzakhala zothandiza anthu amene sindikumvetsa dongosolo la mawerengedwe a utumiki pensionable ndipo ngakhale kuganizira za m'tsogolo. Apa mayankho a mafunso onse zokhudza penshoni, chotero azitha zolinga zawo kwa pantchito akubwera.

zolemba

Khalani zasonyeza kuti nzika Russian si zambiri za ndondomeko ndi mawonekedwe a accrual a penshoni zaka zaka. Ambiri akudabwa ngati chipatala mu nthawi inshuwalansi ali m'gulu. Malamulo malamulo monga nthawi kufunika okwana, koma pokhapokha nzika ndi mwalamulo ntchito.

N'zovuta kwambiri kuphunzira, zaka awerengedwa pokhapokha ngati munthu amafunika penshioni pamaso kusintha anali kukonza mu 2002

kuwerengetsera ndi madalitso m'tsogolo zimachitika pa nyengo zina (zambiri chaka chimodzi). Ngati mu nthawi iyi ya malipiro umafunika nthawi kuti sakhala ku thumba la ndalama za penshoni, kapena iye anali khalidwe la tsankho, izo zingawapangitse kuti underestimation a mbali olipiridwa. Mwachionekere, dongosolo mawerengedwe ali zina zabwino zambiri ndi makhalidwe, kotero kuti mumve zambiri za mmene kupeza inshuwalansi zinachitikira, ndi bwino ntchito maulamuliro zolimbana.

Zoneneratu

Kumayambiriro a 2017 Nduna ya Finance analengeza kuti chaka chino, bwana onse pa kusintha kwa dongosolo penshioni adzakhala potsiriza anapanga ndi m'gulu malamulo. kusintha izi muno:

• kuwonjezera malire zaka, monga izo zimachitika, sanayambebe kudziwika, tikambirana zimene mungachite kuti kuwonjezereka pang'onopang'ono pakhomo, kapena lakuthwa, mantha kudumpha;
• Kusintha dongosolo la pantchito ya a boma;
• Idzakhala limagwirira watsopano zaufulu ndalama;
• riziki chitsimikizo unakhazikitsidwa.

Zikuonekeratu kuti kusintha lonse akubwera, koma funso ndi lakuti, kodi wokonzekera izo nzika za Russia palokha, ndipo si imautsa lotsatira ngati luso ndi mavuto wina chikhalidwe.