Indexation ye-inshorensi yinxalenye iminyaka yomhlalaphantsi

Lo mgaqo-accrual basis of yomhlalaphantsi ifana nqwa nale nayiphi inshorensi yokonga program. Kakuhle eli indlela kuxhomekeke kwinto yokuba abantu yokusebenza ubomi babo bencedisa kwi imivuzo yaye, ekugqibeleni, ukuze bangene ekuphumleni eyenza ikufanele kokuba efunde mali. Isiganeko benefits kule meko ukukhubazeka.

Iimali aqokelelwe ndawonye lonke ixesha ukusebenza, umntu uba ngaphezu kwakanye ngokupheleleyo, kwaye qho ngenyanga, oko kusenziwa ngokwemilinganiselo phantse ngokulinganayo. Kodwa banikwa kumphakamo wangoku kwamaxabiso, isixa bangakwazi ukuhlala kwinqanaba elifanayo. Kuba oku edinga indexation ye-inshorensi yinxalenye pension. isayizi yayo iya kuxhomekeka kwiimfuno eyenziwa. Ngoko ke, malunga ngobomi bakhe emva kokuba ikhefu kakuhle nelilifaneleyo ukucinga ngokukhawuleza kangangoko kunokwenzeka.

Yintoni i-inshorensi yomhlala?

Phambi kokuba ugqibe ukuba le indexation lwe-inshorensi yinxalenye pension, kufuneka ibattery ukubaluleka kolu luvo.

Olu hlobo yentlawulo imele imbuyekezo njengabemi inshorensi ngenxa yaso nasiphi na isizathu, awunakho ukusebenza. Oku kube ngenxa yokwaluphala, anike amaqela yokukhubazeka, ubukho amalungu entsapho abakhubazekileyo, iinzuzo yexhoba.

Kule hlobo iintlawulo ziquka macandelo mabini. It is insured ngqo pension, ebalwayo kunye indexation-inshorensi yinxalenye yomsebenzi pension, kwaye isixa esiqingqiweyo.

Zeziphi ezi ntlobo zahlukeneyo yomhlalaphantsi

Insurance pension lufakwa hayi kuphela abemi abasendleleni abanye obungasifanelanga, kodwa kwabanye abantu ngesizathu ezikhoyo. Izizathu kwezi ntlawulo zimi ngolu hlobo lulandelayo:

• kokuthatha umhlalaphantsi;
• ukukhubazeka iqela, kuqinisekiswa yi uluvo yikomiti lwezonyango ngayo;
• ukuphulukana nemali ekhaya.

Zeziphi iimeko ngokufumana endala-inshorensi iminyaka yomhlalaphantsi

Asingabo bonke abantu abadala banelungelo lokufumana intlawulo-inshorensi pension. Ukuza kuthi ga ngoku, iimeko ezithile kufuneka kufikelelwe, ezibandakanya:

1. Age. Ukuze ukwazi ukufumana umhlalaphantsi, loo mntu kufuneka afikelele iminyaka mathandathu ubudala, yaye umfazi - mahlanu anesihlanu.
2. Aphezulu emsebenzini. Kweli thuba ukususela 2015 ukuya 2024, eli xabiso lanyuka ukusuka ezintandathu ukuya elinesihlanu - ngonyaka unit nganye.
3. Ubukhulu pension yakho ratio. Kweli thuba ukususela 2015 ukuya 2025 eli nani liya kunyuka ukusuka 6.6 ukuya kwi-30 - iminyaka 2.4.

Yintoni na ixesha inshorensi

Ixabiso iintlawulo ethe kuchaphazela ngqo ubungakanani inshorensi inxalenye pension. Isixa ebeka i ummi na umhlala kuxhomekeke kwizinto ezininzi. Umbandela okunjalo aphezulu.

ixesha Insurance - ukuba ixabiso lilonke onke amaxesha zokusebenza. Oku kuquka neminye imisebenzi. Okt iimeko ngenxa apho umntu izibandakanye okwethutyana njengozalayo. Bona kuthathelwa ingqalelo xa kubalwa ubungakanani pension.

Lonke ixesha ngexesha apho Pension Fund ifumene iminikelo, kongezwa ubude benkonzo. Ngesiqhelo, oku kusenzeka kwiimeko ezithile. Ezi ziquka:

• Service semkhosini okanye ii-arhente zokunyanzelisa umthetho (amapolisa, amasiko, abatshutshisi, iinkundla);
• ukungakwazi okwexeshana ukusebenza ngenxa yokugula;
• kwikhefu lokubeleka, kodwa ukushiya ngasemva bonke abantwana ngexesha elinye kufuneka ube neminyaka engaphezu kwama emithandathu;
• isimo okwethutyana engasebenzi ngenxa kwenye indawo okanye ukutshintshwa umbutho kwindawo ezahlukeneyo;
• inxaxheba kumsebenzi phantsi wokuzithandela;
• ukuhlala esitokisini ngenxa iintlawulo mthethweni okanye zocindezelo;
• banyamekele loo mntu abakhubazekileyo kunye neqela lokuqala yokhubazeko, umntwana okhubazekileyo kunye nomntu omdala abadala ngaphezu kweminyaka asibhozo;
• abafazi zomkhosi bahlale iindawo ekungakwazini ukufumana umsebenzi (eli xesha mayingagqithi kweminyaka emihlanu);
• ixesha lokuhlala lamalungu osapho kwabasebenzi kumaziko oonozakuzaku phesheya (kuphela le minyaka mihlanu yokuqala).

Idityaniswe ixesha omkhulu zidweliswe kuphela xa, phambi okanye emva kweli thuba lwaqhutywa umsebenzi yabasebenzi.

Yintoni na indexation ngayo ipension?

Kwiminyaka yakutshanje, inxalenye inshorensi ye pension ilawulwa ngurhulumente. Indexing - kukwandisa ubungakanani iintlawulo, nto leyo minyaka. Ukunyusa umgangatho indexation ichaphazela ukuncipha okuthenga ngamandla umaleko ezibuthathaka yabemi.

Ekubeni kukho inxalenye inshorensi ye pension (apho indexation ngazo kweli nqaku), kwaye kwezentlalo, indlela yokwabiwa eyahlukileyo. Inqanaba sokukhula ubungakanani iinzuzo zentlalo kuchaphazela ubuncinane sokutya zommandla ngamnye. A indexation ye-inshorensi yinxalenye yomhlalaphantsi kuxhomekeke iintlawulo zentlalo, isalathisi kwamaxabiso kunye nongeniselo kwi Pension Fund ka Russian Federation.

ichazwe njani nezalathiso malunga nolwabiwo

'Ngumlingani ka indexation ye-inshorensi yinxalenye pension ukuba zibalwe ngokutsha ngokuvumelana nezalathisi zoqoqosho, ingakumbi izinga lokwenyuka kwamaxabiso. Kodwa ke ngaxeshanye ubungakanani iibhonasi akuyi kudlula umthamo-mali karhulumente. Ngenxa yesi sizathu, ulwabiwo lonyaka kulawulwa ngumthetho. Kwi inkqubo kuchaphazela kuphela imeko yemali kurhulumente, kodwa imeko yoluntu. Kule uhlengahlengiso karhulumente izibonelelo ezongeziweyo ziye zasekwa ngokungqinelana nemigaqo ezizodwa kunye nemimiselo.

Indexation-inshorensi inxalenye pension kuyiminyaka intsingiselo eyahlukileyo, kwaye likhangela unxulumano yayo kakhulu kunzima, kuba recalculation iphenjelelwa yimiba eyahlukeneyo. Kude 2013 inkqubo yokubala kwakuzalwa omnye. Ke imeko yezezimali Russian Federation waqalisa ukuba kubi kakhulu futhi zona ngokupheleleyo ukubonisa imeko kweli lizwe. Ngoko ke, xa abemi 2016 bahlala phantsi, bafumana yomhlala kwinqanaba lonyaka odlulileyo. Indexing okhethwe Intlawulo ngexesha elinye-, kunye nezinga yawo ekhulwini emine.

Ziziphi iimfuno ekubaleni indexation

Kunyaka ophelileyo, njengokuba sele kukhankanyiwe, nje ukuba zibalwe ngokutsha inxalenye inshorensi ye pension. Oku kwaba ngenxa yokuncipha kwenani umthwalo kwibhajethi karhulumente. Indexing, kulo nyaka ubonelele ukwanda ezimbini. Omnye ucwangciselwe ekuqaleni February, omnye kuya kwenzeka ngo-Apreli. nkqubo olunjalo kumiselwe yi-mthetho.

Indexation ye-inshorensi yinxalenye pension waba ixabiso eyahlukileyo ngonyaka ngamnye:

• ngo-2010 - 6.3%;
• ngo-2011 - 8.8%
• ngo-2012 - 10,65%;
• ngo-2013 - 10.12%;
• ngo-2014 - 8.31%;
• 2015 - 11.4%;
• 2016 - 4%;
• ngo-2017 - 5.8%.

Njengoko iya kuba zibalwe ngokutsha ngo-2017?

Ukuze abuyekeze ngandlel 'iintlawulo ngo-2016, urhulumente wagqiba kwelokuba ezongezelelekileyo isixa esiqingqiweyo se amawaka amahlanu engange.

Ukulungiswa ngumba nyaka umiyo ixhomekeka kwisixa se pension, leyo kwabunjwa ekupheleni kuka-2016. Ekubeni izinga kwamaxabiso 5.8 ekhulwini, ixabiso ubalwe ilingana 1,058.

Ukungqinelana esekwe kwisalathiso nyaka, i-inshorensi, inkamnkam umlinganiselo eRashiya zezi zilandelayo:

• ubudala - 13 620 engange;
• bubukho lokukhubazeka - 8457 engange;
• osindileyo - 8596 engange.

Ukuba ngaba uthathe ingqalelo intlawulo esingatshintshiyo, ngoko singatsho ukuba kweli xesha akuyi zenziwa indexation lwendawana inshorensi, kodwa kunokuba ukulungiswa kwayo.

I-hlengiso yokuqala ikhutshwa phandle ngoFebruwari 1, sithabathela ingqalelo ubukhulu lokonyuka kwamaxabiso kwabathengi kulo nyaka uphelileyo. Le recalculation ubopha. Eyesibini ixhomekeke inzuzo ye Pension Fund ka-Russia, kunye ngokungqinelana kunye norhulumente yayo icwangcisa izinga. Kodwa Indexing lwenziwa yi wokuqala ku-Epreli, nangenxa yomthetho efanelekileyo ayikwazi ukuba wenziwe.