Malipiro a nthawi imodzi kwa omwe amapita ku penshoni: ndi ndani amene amayikidwa ndi momwe angapezere

Aliyense yemwe amapita ku tchuthi omwe akuyenerera pazaka zake zapitazi ali ndi ufulu wolandira malipilo. Kawirikawiri kukula kwa ndalama zapenshoni sikokwanira kukhala ndi moyo wabwino. Choncho, boma limapereka udindo wolipilira ndalama zothandizira anthu omwe amapita ku penshoni kuphatikizapo ndalama zambiri kuchokera ku ndalama zapenshoni.

Njira zopezera ndalama zapenshoni (SPN): chofunikira cha lingaliro

Kusungidwa kwa ndalama ndi ndalama zomwe zili pa akaunti ya penshoni ya munthu, yomwe imatenga nawo mbali pulogalamu ya inshuwalansi ya penshoni ku Pulezidenti wa Russian Federation (kapena ku United States). Izi zikuphatikizapo:

• Kuchuluka kwa zopereka za inshuwalansi, zomwe zidasamutsidwa ndi abwana pa ntchito yonseyo mogwirizana ndi malamulo a inshuwalansi ya penshoni kugawana gawo la penshoni ya nzika;
• Kwa anthu omwe akuchita nawo pulogalamu ya boma ndalama zothandizira pensions - kuchuluka kwa ndalama za inshuwalansi zomwe zimaperekedwa kuwonjezera pa ndalama zothandizira pensheni; Kuchuluka kwa zopereka za olemba ntchito omwe amagwira ntchito ku Co-Financing Program monga gawo lachitatu; Kuchuluka kwa zopereka zomwe zidaperekedwa kuchokera ku bajeti ya boma kuti zizigwiritsira ntchito ndalama zothandizira padera;
• Chigawo chimodzi cha ndalama (kapena ndalama zonse) za ndalama zazikulu za banja (kholo), zomwe zinaperekedwa kuti apange SPN;
• Kuchokera pa kuyesa ndalama zapamwambazi.

Ndani ali ndi SPN

Ma SPN amapangidwa kuchokera kwa anthu obadwa chaka cha 1967, ngati ali olowa m'bungwe la inshuwalansi ya penshoni, ndi ntchito / ntchito nthawi iliyonse pambuyo pa 2001. Izi zikuphatikizapo gulu la anthu omwe inshuwalansi zawo zopereka kwa ndalama zothandizira ndalama zimaperekedwa nthawi zonse ndi abwana kuyambira 2001 mpaka 2004. Awa ndi amuna omwe anabadwa kuyambira 1953 mpaka 1966, ndipo akazi omwe anabadwa chaka cha 1957-1966.

Ndalama zowonjezera ndalama zimapezeka kwa amayi omwe anatumiza ndalama zazikulu zobadwira kuti apange bungwe la SPN, komanso anthu omwe ali nawo mu ndondomeko ya ndalama zothandizira ndalama.

Zosintha zazikulu m'dera la kulipira kwa SPN

Posachedwa, Boma la Russian Federation likukhazikitsa lamulo, malinga ndi zomwe nzika iliyonse ili ndi mwayi wopezera ndalama zothandizira pakhomo pa moyo wawo pokhapokha pokhapokha ndalama zowonongeka, komanso kuti azikhala ndi nthawi imodzi. Kuphatikizanso apo, aliyense wogwira ntchito pulogalamu ya penshoni wapatsidwa ufulu wolandira malipiro apadera a SPN, omwe anapangidwa kuchokera ku zopereka zau inshuwalansi.

Zolinga zowonjezera ufulu kulandila SPN ndi olowa m'malo adalowanso. Zaka zingapo zapitazo, olowa m'malo anali ndi mwayi wolandira SPN kokha ngati nzika ya inshuwalansi idamwalira asanapatse penshoni ya ukalamba. Malingana ndi lamulo lovomerezeka, ngati munthu wothandizirayo ataphedwa ndi gawo la ndalama zowonongeka zapenshoni salipidwa, olowa m'malo anganene kuti alandira. Zowonjezera zinakhudza zokhudzana ndi kulandidwa kwa SPN, komwe kunakhazikitsidwa phindu la ndalama za amayi (abambo).

Mitundu ya ndalama za penshoni

Malingana ndi lamulo, nzika iliyonse, kupatulapo malipiro onse a ndalama zapenshoni, ingathe kuwerengera ndalama zothandizira anthu omwe amapita ku penshoni.

Malipiro a pension ndi awa:

• Malipiro ochepa a penshoni;
• Malipiro a malipiro kwa apenshoni;
• SPN, yomwe imawonjezeredwa pa zaka zapuma pantchito;
• Malipiro a ndalama zothandizira apenshoni kwa olowa m'malo ake.

Lump sum allowance for pensioners

Ndalama zothandizana ndi anthu omwe amapita ku penshoni ndi mwayi wopeza ndalama zothandizira ndalama zapakhomo pa moyo wanu, osati pokhapokha ngati malipiro a mwezi uliwonse, komanso ngati ndalama zokhala ndi ufulu winawake. Komanso, nzika zitha kulandira malipiro a penshoni yofulumira, yomwe inapangidwa kuchokera kuzinthu zina zowonjezera.

Ndani ayenera kulandira malipiro a nthawi imodzi

Malipiro a nthawi imodzi kwa anthu omwe amapita ku chipatala amapangidwa ndi magulu oterewa:

1. Nzika zomwe zimapempha ndalama zapenshoni zokhudzana ndi imfa ya munthu wopereka ndalama.
2. Anthu omwe amalandira malipiro olemala ndi osowa ndalama chifukwa cha matenda.
3. Nzika zomwe sizili ndi ufulu wothandizira ndalama chifukwa cha kusowa kwa akuluakulu, koma zimagonjetsedwa ndi ndalama za penshoni monga boma la penshoni.

Malipiro a nthawi imodzi kwa omwe amapita ku penshoni: amene amapereka

Malipiro a nthawi imodzi a ndalama za SPN amachitika ndi FIU kapena APF, malingana ndi kumene munthu wa inshuwalansi anapanga zopereka za inshuwaransi. Malipiro a ndalama zothandizira anthu omwe amapita ku penshoni amalamulidwa ndi Boma la Russian Federation.

Mndandanda wa zikalata zofunika

Malipiro a ndalama kwa anthu omwe amapita ku penshoni ali ndi mawonekedwe ofotokoza. Kuti mulandire, muyenera kumagwira ntchito ku Dipatimenti ya Pension kapena ndalama zopanda penshoni polemba zolembazo ndikupereka zolemba zotsatirazi:

• Chidziwitso chodziwika ndi nzika ya Russian Federation;
• Chiphaso cha inshuwalansi ya penshoni;
• Kalata yotuluka ndi woyang'anira ofesi ya FIU, pa nthawi ya inshuwalansi ndi kuchuluka kwa ndalama za penshoni;
• Zambiri za banki zowonjezera malipiro a nthawi imodzi chifukwa cha SPN.

Pamene zingatheke kulandira ndalama

Malingana ndi lamulo, chigamulo cholipira ndalama chimatengedwa mkati mwa mwezi, kuyambira tsiku lolembera zolembera ku Pension Fund ya Russian Federation pogwiritsa ntchito mapepala oyenera. Ndi zotsatira zabwino, ndalama zothandizira anthu ogwira ntchito m'zipatala zimaperekedwa kwa nthawi yosapitirira miyezi iwiri kuchokera tsiku la chisankho. Ngati kukana kulandira malipiro, Pulezidenti ya Pensheni imalimbikitsa nzikayo polemba za chisankho chomwe chatengedwa, kutchula chifukwa chake.

Kukula kwa malipiro a ndalama

Kukula kwa malipiro a ndalama kwa anthu omwe amapita ku penshoni ndi kuchuluka kwa SPN omwe ali pa akaunti yawo ya penshoni panthawi ya penshoni. Kwa anthu omwe anabadwa chaka cha 1967 asanakhalepo, ndalama zapenshoni zinapangidwa zaka zitatu (2002-2004), choncho ndalamazo zimachokera ku ruble 5 mpaka 15,000.

Malipiro amodzi omwe amapita kwa anthu ogwira ntchito m'ndende ku Dipatimenti Yachikhalidwe

Nzika za Russian Federation zomwe zinachotsedwa ntchito ku Dipatimenti Yanyumba Zapamtima ndi ufulu wothandizidwa ndi ndalama za penshoni ndipo omwe amalembedwa kuti alandire phindu la nthawi imodzi panthawi ya utumiki ayenera kulandira phindu limodzi.

Malipiro a malipiro kwa anthu omwe amapita ku chipatala angaperekedwe pa zofuna zawo, ngati adalandiridwa pamaso pa March 1, 2005, kuti alembetse ngati malo osungirako osowa ndi bungwe la Ministry of Internal Affairs of Russia.

Choncho, palibe chifukwa chosemphana ndi malamulo kuti apereke chiwongoladzanja kwa nzika ngati pulogalamu ya penshoni ya Utumiki wa Zamkatimo sichiyenera kukhazikika pansi pa mgwirizano wa ntchito kapena ndalama zapakati pazinthu zamkati.

Chilolezo cha anthu othawa kwawo omwe akupitiriza ntchito yawo

Nzika yachitatu ya Russian Federation, yokhala ndi penshoni, ikupitirizabe ntchito yake. Mwachidziwikire, ambiri akukhudzidwa ndi funso loti ngati ndalama zapadera zimachokera ku ntchito za penshoni.

Monga lamulo, kugwira ntchito pantchito sapuma nthawi imodzi. Ngati achotsedwa chifukwa cha kuchepetsa antchito, bwanayo akuyenera kulipira malipiro onse omwe amalephera.

Poganizira zapamwambayi, aliyense wa ku Russia yemwe amapereka ndalama zothandizira ndalama akhoza kugwiritsa ntchito SPN. Kwa iwo omwe angoyenera kugwiritsa ntchito PFRF kuti apereke ndalama zapenshoni, ndalama zothandizira pulezidenti za SPN zidzaperekedwa pazolemba zawo panthaŵi imodzimodzi ndi kukhazikitsidwa kwa penshoni pamsinkhu wawo.

Kuti mulandire ndalama zothandizira ndalama, zikhalidwe ziwiri ziyenera kuchitika: nzikayo iyenera kukhala ndi ufulu wokhoma malipiro a zaka zakubadwa (kapena kale kukhala pensheni) ndikukhala ndi ndalama zopezera ndalama. Ndiye sipadzakhalanso chifukwa chokana kulipira malipiro amodzi kuchokera ku PFRF. Boma la Russian Federation limasamalira anthu omwe amapereka ndalama zothandizira ndalama ndipo nthawi zonse limayambitsa njira zatsopano zopangira malamulo pofuna kuonetsetsa kuti nzika zomwe zapuma bwino sizifunikira kalikonse.

Tiyenera kudziŵa kuti aliyense wogona ntchito pa penshoni akhoza kutaya ndalama zothandizira penapake payekha - mungathe kulandira ngati bonasi yogwira ntchito, kapena kutchula nthawi yolipira (ndalama zonse zidzaperekedwa chaka chimodzi, ziwiri kapena zisanu), kapena mukhoza kulandira nthawi imodzi. Njira yotsirizayi idzakhala yopindulitsa kwambiri pamene SPN ndi yochepa.