Ezixutshiwe impesheni wezempi, futhi impesheni civil: Izici

Impesheni ibalwa abantu ezempi kanye civil ekuzuzweni kwemiPhumela kweminyaka ethize. Ubukhulu bayo incike ubude, inani amacala, ehhovisi. Kodwa kukhona impesheni a okuxubile amasosha nezakhamuzi umhlalaphansi, okuyinto has izici accrual.

Yonke lemali amacala for ezempi, uyaphuma wezempi nokuhlangenwe nakho komsebenzi, ibizwa ngokuthi okuxubile-uhlobo impesheni. Lokhu okufana nezinzuzo zezenhlalo ikhokhwe ngamasosha lapho efinyelela eminyakeni yobudala engu ukushiya inkonzo - isipiliyoni lempi okungenani iminyaka engu-20.

Pension njenganoma iyiphi enye imali, ungaba usayizi ezahlukene. Ezinye izakhamuzi ukubeka izibonelelo ezengeziwe ukuze ubukhulu, amasevisi athile. Njalo le engenayo kukhonjelwe indexation, okwandisa usayizi waso ezingeni edingekayo.

Ubani wabhekisela ezempi?

Ngokomthetho emnyangweni wezempi zihlanganisa izakhamuzi abakhonza futhi umsebenzi Armed Forces amayunithi, Ministry Eziphuthumayo, eNhlangano KaHulumeni Yezokuphepha. Lolu hlu lufaka amalungu angaphandle intelligence emizimbeni kohlelo kwezimilo kanye nezinye amayunithi paramilitary yezwe. Igama elithi "ibutho" imele zoMthetho Federal №76.

Pension ikhulisa hhayi engu. Okuhlangenwe nakho kumelwe ube neminyaka engu-20. ukubala wayo inqubo ekhethekile. Nge iqhaza ezingxabanweni ngonyaka u-1 ilingana 3. neminyaka emithathu ezimweni ezikhethekile zibalwa ngokulandela 4. Isizathu sokuthatha umhlalaphansi singakashayi isikhathi kwabonayo, ngenxa ukuthi yiziphi izinkinga zempilo yethu saxega. Lapho ukufa noma ukushona wezempi ilungelo lokuthola impesheni, umfelokazi wakhe. abasebenzi Military Nenkonzo Interior Unelungelo umhlalaphansi eminyakeni 45. isipiliyoni okuxubile okungase kubhekwe njengokwamukelekayo wokusungula impesheni.

Ngokungafani izinkokhelo

impesheni yezempi, futhi impesheni civil kukhona ukungezwani phakathi kwakho. Izinkokhelo amasosha incike ubukhulu iholo futhi ubudala. Umehluko zimi kanje:

1. Esikhathini lempi kukhona ubuncane isipiliyoni - iminyaka engu-20, futhi empini, lesi sibalo kufanele okungenani ube neminyaka engu-15.
2. Ekunqumeni izinzuzo lempi kungukuthi bangeniswa impesheni akhawunti okuza.
3. Kuqhathaniswa amasosha ezisetshenziswa umphakathi Ungahambisa imibhalo ukuthola izinkokhelo ngisho neminyaka engu-40, uma ubude bawo akuyona kancane iminyaka engu-20.

Bobabili izinhlobo izinzuzo etholakala nge isivuno esasiwafanele ukuphumula. Inani impesheni kungahluka kakhulu kusukela izakhamuzi lwezigaba ezahlukene kodwa kunemidanti kufana yokubhalisa reception. Military ukubeka impesheni yesibili, okuyinto ingatholakala hhayi kuphela, kodwa yathinta nayo imindeni yabo. ifomu ezixutshiwe yokukhokha kumele senziwe ku izimo jikelele.

Umcabango

Akuwona wonke amasosha nge ekuzuzweni kwemiPhumela ekupheleni inkonzo eminingi isevisi 20. Lo mthetho kuyadingeka sokubalwa impesheni lempi. Ngezinye izikhathi akwanele iminyaka eminingi. Khona-ke amacala amasosha nezakhamuzi impesheni okuxubile umhlalaphansi. Kulokhu, ucabangela isipiliyoni jikelele - esingekho ngaphansi kweminyaka 25. Iminyaka zihlanganisa inkathi yenkonzo, okuyinto ngeke ube neminyaka engaphansi kuka 12 futhi ezinyangeni eziyi-6.

Ngo abesifazane nakho kuhlanganisa isikhathi esichithwa sokubeletha nokunakekela ingane, uma naleso sikhathi kwabelwe ngesikhathi inkonzo. Ubude isevisi ngeke zifakwe esikoleni ukuqeqeshwa. lempi nezinhlamvu ezihlangene impesheni ezisetshenziswa umphakathi ibalwa FZ №4468-1.

isimo

Ezixutshiwe impesheni amasosha nezakhamuzi nikunikiwe impumelelo iminyaka engu-45. Kodwa kungase kube okuhlukile ngenxa yokuba khona lesi sifo, ukunciphisa noma phinda uyihlele. Ekusebenteni, zikhona izimo lapho amasosha adubula kuze kube iminyaka engu-45, futhi babe ubude isevisi ngenjongo impesheni lempi.

impesheni yabo amasosha nezakhamuzi ingatholakala ngesikhathi esifanayo ngemva ukukhishwa inkonzo. Uma ngokuqokwa kwakhe akusona isizathu esizwakalayo, isofthiwe kungenziwa ikhishwe nge iminyaka 60 amadoda engu-55 kwabesifazane. izimpesheni Civil kwabahola impesheni ezempi angaphezu kuka-60 kusemthethweni.

umehluko wemisindo nemiqondo yamagama imvume

Ukuze a amasosha nezakhamuzi impesheni okuxubile umhlalaphansi samukelwa, kumele uxhumane agency kahulumeni isitatimende. Kumele uhambise amaphepha ukuze yesikhwama sempesheni emphakathini. Inqubo ichazwa isinqumo 17/19 yamukelwa woMnyango wezemiSebenzi ngo-February 2002.

Ukuze uthole ukubala, kudingeka alungiselele lezi zincwadi ezilandelayo:

• iphasiphothi nobunikazi empi;
• isitifiketi esikhombisa ubudala kanye nomholo, kanye inkathi inkonzo edlulayo.

Imibhalo kuzomele wenze isitatimende eyabhalwa isampula sivunyiwe. Amakhophi lwenziwa ku PF. Uma noma yimuphi umqulu akuyona, kumele inikezwe phakathi kwezinyanga 3 kusukela ngosuku kulethwa isicelo. Lesi sikhathi, ivume zoMthetho Federal №173. Ukube ucele accrual lezinkokhelo ngemuva kwezinyanga ezingu-12, kuyobe sekudingeka ukwenze lokho bhala amazwi angase ashiwo cishe zokubala kabusha yabo. Khona-ke lonke inqubo kuzokwenziwa futhi.

imithetho ukubala

Ilingana impesheni okuxubile ngu isu elikhethekile. Kulokhu semukelwa umthetho. imithetho yayo kucacisiwe eMthethweni Federal №156 futhi №4468-1. Ngesisekelo ukubala kubhekwa ubukhulu nobude inkonzo. Ngosizo lwabo setha usayizi eziyisisekelo, ukulungiswa ngoba izici ezihlukahlukene. Ukuze uthole unyaka esingeziwe umsebenzi ngemuva kokuthatha umhlalaphansi, ungathola 1% ngaphezulu. Ukubala kabusha wenziwa minyakayonke 1 Agasti.

Ucabangela isipiliyoni wezempi wempesheni zomsebenzi. Inani engenayo ngesisekelo lempi esungulwe ½ nesabelo yezimali isipiliyoni engu-25. Ikhumbula zonke izinkokhelo remitted ngu ubudala okuthunyelwe. Okuhlangenwe nakho akufakwanga esikoleni ukuqeqeshwa. It ivunyelwe umthetho №340-1. Inkokhelo zingenziwa ngeposi noma ukuhlala. Inqubo kuchazwa FZ №173.

izinkokhelo nomphakathi

Lapho itholakale izinkokhelo lempi ezengeziwe? Lo mthetho usebenza labo bantu sezisunguliwe ukuqinisekisa eMnyango Wezokuvikela iminyaka yesevisi noma ukukhubazeka. Abeka civil impi impesheni ngemuva kokuthatha umhlalaphansi. Lokhu kungenxa yokuthi ngemva kokuqedwa isevisi, abantu abaningi ukuthi uphile kahle futhi ngaleyo ndlela siqhubeke ukusebenza izinhlangano zomphakathi.

Ngithathe umhlalaphansi, ukusebenza ngemva ukuxoshwa, ukukhokhela izimali ezibanjwayo kusukela iholo ukuze yesikhwama sempesheni. It kuvela ukuthi wafaka i impesheni abavamile. Imibandela irisidi yayo elandelayo:

• wobudala amadoda eminyakeni engu-60 futhi abantu besifazane - 55;
• umshwalense nakho nasemsebenzini civil akuyona esingaphansi iminyaka 6;
• uma ukhetha ukusebenza izimo ezinzima noma esimweni sezulu esinzima, wayesezibeka zimali eziseceleni ezikhokhiswayo.

Inguquko kusuka yezempi nezimpesheni zomphakathi kunokuba aye empini bodokotela. Uma ushintsha noma iyiphi idatha, kufanele wazise i-RF Pension Fund, isicelo olufanele.

Ukwenza impesheni ngoba izihlobo

Impesheni yesibili nelungelo lokubiza umndeni. Uhlu kulaba bantu kuhlanganisa umngane womshado, izingane ezincane kanye nabantu abadala abakhubazekile wabhalisa esikoleni esiphakeme (kuze iminyaka 23). Futhi, lezi zihlanganisa abondliwa. izinkokhelo ezinjalo bangathola umfelokazi. Ukudlulisela owasinda kwenziwe ngaphansi kwezimo ezilandelayo:

• ukufa ngenxa yokulimala enkonzweni;
• kukhona inyanga okungenani 1 isipiliyoni civil.

Uma ubhalisa izinkokhelo kubalulekile ukubhala ubuhlobo. imali okunjalo kungenzeka ukuthi usebenzisa hhayi kuphela lempi wangaphambili, kodwa futhi umndeni wakhe.

lwezikhathi

Ngokomthetho isiRashiya, impesheni ibalwa njalo ngenyanga. Usuku Inkokhelo esimisiwe FIU zendawo, lisendaweni lapho uhlala khona. Hambisa imibhalo nganoma yisiphi isikhathi. Isicelo kubhekwa ezinsukwini ezingu-10. Khona-ke isinqumo senziwe. Uma kuwukuthi omuhle ukuthi izimali uyasho ngenyanga ezayo.

Ukulungiswa wenziwa minyaka yonke. Kodwa hhayi ngaphansi kuka 1 isikhathi ngonyaka. Khumbula ukuthi ngo-2016 ubukhulu ikhomba esiphansi. kungenzeka Izizathu zalokhu ezahlukene: ukuntuleka isabelomali, unswinyo emnothweni, buthaka lwemali.

Kokuthunyelwe ngayine inezidingo zayo ukulethwa schedule impesheni. Ngoba bonke abantu aqokwe eyanini. Uma usuku kuyinto ngempelasonto noma ngeholide, inkokhelo ngokushesha. Izimali ingatholakala kamuva, kodwa kule sheduli ububanzi Mail. Uma ukhetha indlela yokuhamba nge-EFT usuku kuyoba okufanayo.

Ngubani lokhokhela izinzuzo?

Inketho impesheni kanye isikhungo uyifeza ukulethwa, owayesethathe umhlala-phansi kukhethwe ngokuzimela. Lolu lwazi, uveza esitatimendeni. Yezefundo ekuletheni izinkokhelo, uhlele ne RPF ngaphansi inkontileka. Ukudluliselwa kwezimali nge credit izikhungo, e-mail kanye nezinye izinkampani. Awudingi ukukhokhela okuthumela wemisebenzi.

Izinkokhelo ingatholakala ehhovisi ibhokisi noma inhlangano esebenzisa ukudluliswa ekhadini. Amanani zidluliselwa ku-akhawunti yamukelwa. Uma ukhetha Indlela imeyili, uthole impesheni izimali abangaba. Ezimweni ezimbi kakhulu kukhona ekhaya kwezidingo.

Kukhona nezinye izinhlangano, lapho ungakwazi ukuthola izinkokhelo. Funda mayelana nabo kungaba PF. Uma wayefisa, uguqule indlela komphakathi ngezidingongqangi kumele zisebenze Pension Fund.

amandla ommeli

Ezahlukene ongakhetha yokukhokha ukulethwa akuvumela ukuthi ukhethe indlela engcono kakhulu. Kodwa zikhona izikhathi lapho akunakwenzeka ukuba ukuhoxisa izimali bebodwa ngenxa yezimo zokuphila. Khona-ke yenzani ngakho can komunye umuntu amandla ommeli. Lena idokhumenti kwasayinwa, inqobo impesheni komunye umuntu. Amandla nommeli ekhishwa imali ummeli olungisa izivumelwano. Kodwa kukhona inguqulo mahhala, bese idokhumenti uyoba njengomvini ilayisensi ezivamile.

Kusukela 2013, amandla ommeli etshengisa ukuthi inhlangano mahhala, okuyinto impesheni izifundo noma imisebenzi. It is nawo lwenziwa isikhungo, lapho ukwelashwa (Art. 185,1 Code Civil). Uma ubuqiniso idokhumenti aluboniswa, kusho ukuthi-ke isebenza 1 unyaka (Art. 186 we Code Civil). Trustee bangathola impesheni phakathi nalesi sikhathi. Uma ucacise isikhathi esiwunyaka ngaphezu, ukukhokhelwa, kutawenteka ngesikhatsi itemu amandla ommeli.

Ukushintsha indawo yokuhlala

Uma uguqula yokukhokha yokuhlala kuyokwenzeka endaweni entsha. Khona-ke impesheni kufanele azise FIU usebenzisa isicelo. Amaphepha uzobe komunye ihhovisi indawo.

Yenza isicelo icala Paymaster ngoba ukuhambisa imali ezidingekayo futhi ezanele ngokusebenzisa ikhadi. Lokhu kungenxa yokuthi it has lonke ulwazi olufanele azosiza RPF endaweni entsha yokuhlala, isibonelo, ukuze recalculate. Nge impesheni isaziso ngesikhathi esifanele kuyofika ngezithukuthuku isikhathi.