Inshorensi pension olugunyazisiweyo - isiqinisekiso eselekhulile ekhuselekileyo ubudala

inshorensi pension olugunyazisiweyo usebenza kuzo zonke iindidi abemi abahlala kummandla Russia. Wonke umsebenzi kwi Russian Federation kukho umntu akhawunti zakho 's, apho umqeshi linyanzelekile ukuba sidlulisele iipremiyamu, leyo kwixesha elizayo yaye iya kuba sisiseko umhlalaphantsi pension. Ukongeza inxalenye inshorensi, kukho kwakhona nakopitelnaya inxalenye pension, leyo ukulawula ikhutshelwa kuRhulumente wenkampani lokuphatha, umzimba omkhulu leyo yeyona Vnesheconombank. Pension Fund idlulisela kwemali na khona, ukuba ngummi akukho wakhetha eyahlukileyo, non-karhulumente, i-Management Company.

kwenkqubo ye-inshorensi pension eRashiya ikhona iintlobo ezimbini: i-inshorensi pension mandatory ezongezelelweyo. Uhlobo lokuqala inshorensi enikwa ngurhulumente, kwaye iquka iintlobo yamanyathelo asemthethweni ukuqinisekisa imbuyekezo kubantu inshorensi xa kuthe ukulahleka umholo, xa le ngongoma-inshorensi, oko kukuthi, ixesha umhlala okanye ngenxa yezizathu okanye omnye umntu sinikezelwe kwiqela yokukhubazeka okanye kwenzeka osindileyo .

inshorensi olugunyazisiweyo pension - inkqubo amazwe, nto leyo ibandakanya ngokulinganayo amaqela 3. Oku inshorensi ukuba izinto kobuso Pension Fund ka Russian Federation, kwakunye njengoko wenziwe mali yomhlalaphantsi yabucala. Kwakhona policyholders abahlawula nemivuzo cash inxaxheba. Ezi ziquka iinkampani kunye namashishini kwakunye oosomashishini ngamnye kunye nabanye abantu, uluhlu leyo emiselwe ngumthetho okhoyo. Ke ekugqibeleni, i-inshorensi pension esisinyanzelo akunakwenzeka ngaphandle aBantu abaKhuselwe yiInshorensi ngokwabo, oko kukuthi, abemi Russian Federation.

Uhlaziyo Pension kuyaqhubeka eRashiya. kubume bayo usendleleni yokuba wonke umntu ukusebenza wazalwa ngaphambi kwe-1968, kakade umhlala zisindise imali. Kwaye kukho nokuba kakhulu nzima wenzeka kuba kwinxalenye numbers ye pension ligcinwe% 6 kuphela yemivuzo. Ukanti imali-inshorensi pension ihlala enye kwezi zishushu kuxoxwa ngazo kuluntu. Oku kungenxa yokuba inkqubo ye-inshorensi pension kwi Russian Federation ivumela umntu nomnqweno ivakalise ukuba ukwandisa isixa mali idluliselwe inxalenye ezixhaswa ngemali ye pension. Oku kwenza kube lula ukufumana imali kunokuba onomtsalane irente kwixesha elizayo. Kubonakala ukuba iminikelo komhlala-phantsi kwaye ngendlela ethembekileyo ukuba wonge imali imali. Yaye ukurhoxiswa imali akukho ndlela eya kuba, kwanokuba-akhawunti umnini ngaso nasiphi na isizathu iza kuvalwa.

imali inshorensi pension - inqaku ekhethekileyo yokusebenza kwemali yeebhanki. Insurance zifikelela kwiinkalo lamatyala ezinikwe ngumthetho. Ezi ziquka, umzekelo, iquka ukuphazamiseka okunokwenzeka ngayo utyalo-mali ngokunxulumene nokulahlekelwa umsebenzi okanye kwekhefu lokungaphili okwethutyana. Kulo mzekelo, inkampani yeinshorensi ithatha izintso ezandleni zabo ahlawule iminikelo. Ngoko, naziphi aphazamiseka ekubunjweni iidiphozithi akuyonto. Le meko efanayo iyasebenza xa itshona. Iminikelo ekubuyisweni mandatory ngexesha elimisiweyo, nokuba kwishishini zemali ibharhile.

Zonke ezi ngongoma zingentla zenzelwe ukuba ukusombulula ingxaki esifanelwe pension. Wonke umntu uyazi ukuba ayikho le mali ukuba abadala ukufumana ezinye. isizukulwana namhlanje Siyathemba ukuba ngokutsha yepension kubavumela ukuba baphile impilo engcono ebudaleni.