Uluhlu lwamaphepha okubhalisa ipenshoni ngokudala. Inkqubo yokubhalisa ipenshoni ngeminyaka

Kucetyiswa ukuba ipenshoni ikhishwe ngeenyanga ezintathu phambi kobudala obufanelekileyo. Eli thuba liya kukwanela ukulungiselela onke amaxwebhu afanelekileyo, izitatimende zobhaliso, ukuqokelela iingxelo kunye namanye amaphepha. Ngeemviwo ezilungiselelwe, kufuneka uqhagamshelane nomzimba ogunyazisiweyo, oya kubalwa kwaye uhlawule iintlawulo. Uluhlu lwamaphepha obhaliso lweminyaka yobudala lubandakanya iintlobo ezahlukeneyo zokubhaliweyo ezivela kwirekhodi, ukusuka kwindawo yomsebenzi, ikopi kunye neemvelaphi zontrakthi zengqesho kunye nokunye okuninzi.

Ukulungiselela umhlalaphantsi

Kwiinyanga ezimbalwa ngaphambi kobudala bomhlalaphantsi, kucetyiswa ukuba uqale ukulungiselela amaxwebhu, oku:

1. Khangela incwadi yomsebenzi. Ukuba i-retiree yexesha elizayo isebenza, unokucela ukubonelela ngencwadi kwisebe labasebenzi. Kufuneka kwenziwe ngaphambi kwangaphambili ukuze ubone indlela ulwazi olubhalwa kuyo. Ukuba kukho ukungaqiniseki okanye iimpazamo ezichongiweyo, kufuneka uvele ubonise ngokukhawuleza kwiGosa loLuntu.
2. Ukuqwalasela ulwazi oludluliselwe ngumqeshi kwiNgxowa-mali yePensheni, emva kokufumana i-extract from the SNILS. Indlela elula yokuqinisekisa olu lwazi kukuqhagamshelana ne-PF.
3. Myalelo isitifiketi somvuzo kwiminyaka emihlanu edlulileyo (kubalulekile ukuba umqeshwa wasebenza kude kube ngo-2002).
4. Faka isicelo kwi-PF kwindawo yokuhlala kwaye udibana, ngaba ufuna amanye amaxwebhu. Kufuneka kuqatshelwe ukuba bonke abahlali abayizuzwa baya kuhlawulwa ngqo kwi-PF. Ngokomzekelo, abahlala phantsi beSebe loMphathiswa weMicimbi yangaphakathi bahlawulwa liSebe le-accounting ye-arhente apho umenzi wesicelo esizayo esasebenza.

Ukungeniswa kwangaphambili kuhambise onke amaphepha afakwe eluhlu lwamaphepha okubhalisa ipenshoni ngobudala, uya kunceda iingcali zenze zonke izicelo eziyimfuneko kwaye zithole iimpendulo ngexesha.

Imigaqo yokubhalisa

Umhlala-phantsi we-inshorensi yobudala unyuliwe ukuba imimiselo emininzi yokubonelela kwayo ihlanganiselwe kanye kanye:

1. Ubudala bommi kufuneka kube yiminyaka engama-55 kubafazi kunye neminyaka engama-60 kubayeni.
2. Umntu ophantsi kwenkxaso-mali kufuneka abe ne-ubuncinci iminyaka engama-8 (esi sibonakaliso sanda unyaka ngamnye ukususela ngo-2017).
3. Ukunikezelwa, kufuneka ube namaqela angaphezulu kweshumi elinanye (amaphulo eminyaka).

Ezi mfuneko zisebenza kuphela kwisiseko sempesheni. Xa kunikwa izibonelelo zokukhubazeka okanye ukulahlekelwa ngumhlengikazi omanzi, ezinye iimeko zichazwe.

Ukunika iintlobo ezahlukeneyo zeenzuzo, kufuneka ukwazi ukuba yimaphi amaxwebhu okulungiselela umhlala-phantsi.

Umshuwalense

Umhlala-phantsi we-inshurensi yimiba emibini: ubudala kunye nokukhubazeka. Kwimeko yokuqala, uluhlu lwamaphepha okubhalisa umhlala-phantsi ngeminyaka luquka:

• Idatha ngamava, kubalwa ngokusombululo uNombolo 1015 ka-2014 "Ekuvunyelweni kwemithetho yokubala ubude bomshuwalense".
• Ulwazi malunga ne-coefficient, liqinisekiswe ngumbhalo ovela kwi-SNILS.
• Ulwazi malunga namalungu entsapho, kuquka abo abangakwazi ukusebenza.

Uluhlu lwamaphepha obhaliso lwepensheni ngokudala luquka:

1. Amaphepha acinisekisa ilungelo lokufumana isabelo sokuqala se-inshorensi yobudala.
2. Ulwazi malunga nokuzalwa kwabantwana.
3. Ulwazi malunga nabaxhomekeke kuyo.

Ukuba umhlala-phantsi usufikelelekile kwaye kukho abantwana abakhubazekileyo ekunyamekeleni, kufuneka uxwebhu lu ngeniswe luqinisekisa ukuba amanye amalungu omndeni awafumani umhlala-phantsi we-inshorensi osisiseko yomntwana ofanayo.

Umhlalaphantsi weminyaka yobudala yokuxhasa inkxaso karhulumente

Inzuzo yobudala benkxaso karhulumente inikezela ukunikezelwa kwezibonelelo kulabo bafumana ukugula kwe-radiation kwisixhobo samandla enyukliya saseChernobyl. Uluhlu lwamaphepha obhaliso lwepesheni yomdala yokuxhasa inkxaso karhulumente luquka:

1. Amaphepha eqinisekisa ukuthatha inxaxheba ekutshitshweni kwemiphumo yengozi.
2. Isiqinisekiso sokuhlala kwindawo engozi.
3. Isatifiketi sobungqina bokugula kunye neminye imiphumo yokuchasana nemitha.
4. Uxwebhu oluqinisekisa ukuba ummi ukhubaze ngenxa yengozi yenyukliya.
5. Ulwazi malunga nobudala.

Olu lwazi luhambelana nolwazi malunga nabaxhomekeke kuyo, amalungu akhubazekileyo entsapho, ahlala kwimimandla yeCOP, kwiindawo ezinobungozi bemozulu. Uluhlu lokugqibela lwamaphepha luxhomekeke kwinqanaba elenzelwe inzuzo.

Wonke amaphepha alungisiweyo adluliselwa kwiNgxowa-mali yePensheni kwaye senza ipension. Amaphepha kufuneka afake ingxelo.

Umhlobiso

Iikhompyutha zobuchwepheshe zanamuhla zenze lula lula isicelo sokuqeshwa komhlala phantsi. Ngoku kungenziwa nge-intanethi kwiwebhusayithi ye-PF. Isicelo kufuneka sibandakanye:

• Igama;
• SNILS;
• Idilesi yobhaliso kunye nedilesi yokuhlala;
• Inombolo yefoni yomfaki sicelo;
• Idatha yePaspoti.

Kwakhona kumanqaku wesicelo kwenziwa malunga nohlobo lomhlala-phantsi umfaki sicelo ubala kunye nendlela eyafunyanwa ngayo. Emva kokufaka isicelo ngekhompyutheni, ummi unikwe ulwazi malunga namaxwebhu afanelekileyo anokufuneka ukuba angeniswe kwi-FIU. Emva kokuba isicelo siqinisekisiwe, umhla kunye nexesha lokutyelela kwiNgxowa-mali yePensheni kuboniswa. Ngaloo mini onke amaphepha adwelisweyo kufuneka alungiselelwe.

Unelungelo lokuthatha umhlalaphantsi kwangaphambili

Ezinye iindidi zabemi zinelungelo lokuthatha umhlalaphantsi kwangaphambili. Ukuze uyifumane, kufuneka uqhagamshelane ne-FIU, apho baya kukuxelela indlela yokukhupha amaxwebhu ngokuqeshwa komhlala phantsi. Abasebenzi beengxowa-mali baya kunika uluhlu lwamaphepha afanelekileyo, okuya kufuna ukulungiswa ngexesha lokutyelela ngokuphindaphindiweyo kwi-PF.

Ummi onelungelo lokuthatha umhlalaphantsi kwangaphambili unokuzalisa isicelo ngekhompyutha. Emva kokuqinisekisa, uluhlu lwamaphepha okuqokelelwa luya kunikwa. Ngokuqhelekileyo ukususela kwixesha lesicelo kuze kube semini yokutyelela i-PF ithatha malunga neveki ezimbini. Eli xesha alisoloko elaneleyo ukuqokelela ipakethe yamaxwebhu, kuba isicelo singeniswa kungekudala kunenyanga ngaphambi komhla wokuzalwa.

Emva kokuba ummi uye watyelela i-PF ngomhla otyunjweyo kwaye uhambisa amaphepha kwipensheni yangaphambili, uya kufumana irisidi yokwamkelwa kwawo.

Ngubani onelungelo lokuthatha umhlalaphantsi kwangaphambili

Ilungelo lokuthatha umhlala-phantsi kwangaphambili kubangelwa ngabemi abanezakhono zabo kwiShedyuli 1 no-2, kwelinye lezintlu ezincinci. Kwakhona, abo babesebenza kwiMpuma Ekude kunye neendawo ezilingana nayo kwaye abo bangabaluhlu olukhethekileyo bemihlali banelungelo lokwenza ishedyuli yesandulela kwangaphambili.

Ukuthatha umhlalaphantsi kwangaphambili, kufuneka ube neenkwenkwezi zeminyaka esixhenxe kwaye ufikelele kwiminyaka echazwe ngumthetho. Kulo msebenzi ngamnye, ubudala obude kunye nobude benkonzo bubekwe.

Ukuze uthathe umhlalaphantsi, kufuneka: ipasipoti, i-SNILS, incwadi yomsebenzi kunye nekhadi lempi. Ngale maxwebhu kufuneka u tyelele iPP, echaza ukuba yeyiphi na amanye amaphepha ayakufuneka ukuze asebenze.

Ukuqwalaselwa kwesicelo

Ngethuba lokufumana ummi, i-ingcali ithatha ukuchongwa komntu, kwaye iphinda ihlole ukuchaneka kokuzaliswa kwexwebhu ngalinye. Ekusebenzeni, iingcali zihlola iincwadi zokuqala kunye neikopi, ziphawule ukungqinelani. Ukuba kukho into engekhoyo kumqulu weempepha, ummi uyaziswa ngokukhawuleza ngawo.

Emva kokuphonononga amaxwebhu aqhotyoshelweyo, ingcali yePP ibhalisa ukwamkelwa kwesicelo kwaye inikeza irisidi ebonisa umhla wokuwamkelwa kwamaphepha kunye nexesha lokuqwalaselwa kwesicelo.

Emva kokuwamkela amaxwebhu, uchwepheshe wePP uqhuba uhlalutyo olunzulu lwexwebhu ngalinye. Uhlola ubungqina bokubala kweenzuzo, uvavanya ulwazi olunikeziwe kwaye unquma ukubhaliswa kolwazi olubonelelwe ngokwenene. Emva koko, isigqibo sithathwa kwi-accrual okanye xa wenqatshelwe ukukhetha ipension.

Kwenzeka ukuba intlangano apho umhlalaphantsi osebenzayo uya kuhlawuleka okanye ummi washukunyiswa. Ukuba ngexesha lokuthatha umhlala phantsi wonke amaxwebhu alungile, kufuneka uhanjelwe i-PF kwangaphambili kwaye ufumane ukuba yeyiphi na amaxwebhu afunekayo kwaye xa kuyimfuneko ukuza kufaka isicelo.