Umdla ipension e Germany

Avakalisa omnye okunika umdla: eJamani, omnye kweenkqubo pension sisebenzayo eYurophu. Kutheni? Funda on.

Eyona eziphambili ze iintlawulo

Pensions e Germany yahlulwe ngokweendidi ezintathu:

- Issue yobudala.

- izibonelelo ukuxhomekeka (ukuba abize a osindileyo).

- Intlawulo ukukhubazeka xa kukho ukukhubazeka epheleleyo kunye nobungcali ebantwini.

iinkcukacha

Qwalasela uhlobo lokuqala - pension eJamani ukunika ubudala. Ezi zibandakanya iintlobo ezininzi kwentlawulo:

- Iyonke iintlawulo xa umntu engama-67 (ukususela ngo-2012), ukuba kukho amava ngomsebenzi ngaphantsi kweminyaka emi-5.

- Iinzuzo kwimeko yelahleko (buso okanye epheleleyo) kwezakhono zabantu esebenza engama-60, ukuba kukho umntu kufunyanwa akaphilanga ukusebenza kunye namava akhe engama-35.

- iintlawulo abangasebenziyo, okanye ubudala abo benza ngokuyinxenye, eneminyaka engama-60. Oku kusebenza kwabo iminyaka 1.5 ibe akukho engqesho esesikweni, kwakunye kubasebenzi abasebenza part-time ziiveki hayi ngaphantsi kwe-52 okanye iinyanga ezingama-24. Akuso iya kuba yiminyaka eli-15.

- Iintlawulo abo kwiminyaka engaphezu kwama-35 yamava kweli lizwe.

- Iintlawulo kuphela abafazi wazalwa ngo-1952 sele eneminyaka engama-60 ubudala abe namava lizwe engama-15. iminyaka eli-10 kanye ngenyanga 1 kufuneka kuwa phezu ixesha emva kweminyaka engamashumi amane.

- Iinzuzo for mgodini kunye namava engama-25 abaye bafikelela engama-60 ubudala.

Pensions e Germany nje icala ngokuzenzekelayo. Kuyimfuneko ukuba isicelo sohlobo oluthile benefits. Kuya kufuneka ukuba ugcwalise ifomu okhethekileyo. Retirement pension akwazi ukufikelela kuphela abo bantu abaye zuza ngayo. Eli lungelo ayikwazi ukudluliselwa, oko kwenzeka phantsi kweemeko ezichazwe kule mithetho. Imfuneko engundoqo - kokuqala kwekhefu yobudala ahambelanayo ukuba kumiselwa ngokwahlukileyo kudidi ngalunye.

indawo kubalulekile

Ngokuba pension eJamani, kufuneka ukuba inani elithile leminyaka zengqesho, nto leyo inshorensi. Oku kubizwa Wartezeit. Yonke into ixhomekeke kuhlobo inzuzo. Eli xesha ekungabonini ukusuka kwiminyaka-5 ukuya ku-35.

I-Pension avareji eJamani ngowe-2013 1266 euro.

I-inshorensi

Kweli lizwe kukho iintlobo ezininzi software. Kukho imiphakamo emithathu eziphambili zezi:

- Kufuneka gosobespechenii.

- Insurance amashishini.

- ukhuseleko, imali zabucala Non-karhulumente.

Insurance State inyanzelekile kubo bonke abantu ingeniso yenyanga ngaphezulu kwe 3900 euro phambi kokuphungula irhafu eziyimfuneko. Le nkqubo kakhulu yemveli. umongo wayo kukuba abantu yokusebenza nokwenza igalelo kwi-mali ngeendleko umhlala phantsi ubomi. Eli lizwe umgaqo komhlaba - uhlobo kwekhontrakthi yamanyama kwabantu kwizizukulwana ezahlukeneyo. Akukho ukuqokelelana iminikelo ezifunyenweyo, zisetyenziswa kwangoko. Abaneminyaka abaninzi ingeniso aphezulu akwavuma iinkonzo zoluntu, kubathengisi abucala sakujika. It idumile phakathi kwamafama kunye noosomashishini. I Umhlawuli ugqiba uya kutsala kangakanani xa uqukumbela ikhontrakthi kwi-inshorensi zazo pension.

Isixa yomhlalaphantsi eJamani, sifanelwe ndinendawo ufunde kubo. Abantu beli lizwe bakholelwa ukuba xa ngaba uthathe unonophelo ukhuseleko lwabo ebudaleni ikwandim, ngoko akukho muntu. Ngoko ke, musa ukucinga ukuba inzuzo eliphezulu - wobuchule kuphela amagunya karhulumente kweli lizwe, njengoko baseRashiya amaninzi.