Penshioni adzapereka umboni ukalamba

penshioni okalamba Russia ndi kwaiye kwa nthawi mnyamata kujowina. Kumvera zopereka penshioni, timakhalanso kupanga thumba penshioni. Ndipo momwe ife moyo mu ukalamba zimadalira kwenikweni mmene timagwiritsira ntchito unyamata wake.

Munthu aliyense ntchito ayenera kukhala kalata penshioni, amene amapereka ufulu m'tsogolo kwa ndalama za penshoni,. Mwamvetsa izo angathere njira ziwiri: mwa bwana kapena payekhapayekha.

Amene poyamba amayamba ntchito, angalandire satifiketi penshioni kudzera bwana wawo. Kuyamba ndi mawu watsopano ntchito mafomu mafunso, chomwe pambuyo anadutsa ku Fund penshioni. Ndiyeno, atsegula pa wantchito ndalama ndi okhazikika chiwerengero inshuwalansi ndi kuvumbitsira nadzaza satifiketi inshuwalansi penshioni. Kuchokera nthawi imeneyo aliyense Wantchito chifukwa zogwirizana, zomwe zinalembedwa zokhudza malipiro a inshuwalansi premiums zawo, kuntchito, etc.
Ngati wogwira ntchito ali ndi ena mkulu, kugwiritsa ntchito, iye afunika, malinga ndi Chilamulo cha Russian Federation "Pa munthu (mwakukonda) mayina dongosolo la mokakamizidwa inshuwalansi penshioni", kugonjera abwana anu satifiketi penshioni. Ngati umboni umenewu si ndi simunayambe inakhazikitsa, chilango kumakhaladi udindo wa abwana ake. Ngati ali kale inakhazikitsa, koma atayika kapena asokoneza, ayambe chikalata ichi zofunika zachokera kwathunthu wogwira ntchito.
Nzika iliyonse la Russia amafunika kudziwa kuti chiwerengero cha kalata penshioni akapatsidwa payekha, ndipo ngakhale mlandu wa chibwereza ndi sasintha.
Kodi muyenera kuchita kuika satifiketi penshioni mu thumba lanu?
Khwerero 1. Ngati muli wogwira ntchito wamba kwambiri, ndipo kwa nthawi yoyamba mwalamulo ntchito, inu pafupifupi mulibe kuchita chilichonse. Muyenera lembani mafunso, zomwe inu, mwa njira, ndi kupereka bwana, ndipo dikirani kuti mpukutuwu.
2. Ngati inu muli ndi antchito, muyenera kupeza kalata penshioni kwa wantchito wake. Izi zikutanthauza kuti masabata awiri kuchokera nthawi ya mapeto a mgwirizano ndi wolembedwa ntchito, muyenera kupereka mwapadera operekedwa ndi insurer wanu. mafunsoka ayenera kudzazidwa ndi udindo onse ndi mwini mbiri yabwino wantchito. Ngati wogwira ntchito chifukwa aliyense sangathe ndikutsimikizireni mbiri yanu ngakhale mwezi, inu zoona bwana wake ponena chifukwa zinali alephera wantchito.
Gawo 3. bwana ayenera kupereka kwa Fund penshioni zikalata mwapadera kulingalira.
Khwelero 4. wantchito mafunso ndi wapadera kufufuza chikalatacho bwana imakhudzanso Fund Ndalama za penshoni. Uko iye anakhazikitsa tsiku pamene zotsatira idzakonzedwa kubwerezanso zikalata. Malinga ndi loko wa njira utsogoleri, nthawi kuganizira za zikalata sayenera upambana masabata 3. Akuluakulu ntchito mu Fund ndi penshioni adzakhala lakuti kuti mwachindunji deta chofunika. Nthawi kulephera kupeza chikalata ichi ndi zotheka ngati Kalata penshioni kale chikalata. chikalata ichi ndi mawu pansiyi ayenera chikalata kwa wolembedwa ntchito pa sabata, kodi akusonyeza wantchitoyo siginecha pa mawu a m'nkhaniyi.
Kuti anu inshuwalansi penshioni satifiketi, munthu ayenera kutsatira kuti Fund ndi penshioni ya malo kulembetsa ndi kulemba mafunso. Ndi iwo ayenera kukhala pasipoti kapena zina chikalata abwino. Patatha milungu iwiri, ndipo mukhoza kupeza manja anu pa chosonyeza.

Ndipo mmene kubwezeretsa satifiketi penshioni, lomwe linaperekedwa kale?
Malinga ndi malamulo feduro, munthu wotayika chikalata kuti alowe chibwereza cha matupi Fund penshioni. Kuti tichite zimenezi, ayenera nthawi ya mwezi umodzi kuti ntchito kwa issuance a chibwereza a.
A kalata chibwereza ndi chikalata ngati:

1. Inu ndinu munthu ntchito.
2. Inu ndinu munthu wachibadwa ndi paokha, pa kanthu yake kulipira ndalama ku nthambi m'dera la Fund Ndalama za penshoni.
3. Inu, monga mwa chilamulo boma kapena mgwirizano ntchito, si ntchito, osati mayina monga insurer ndi.

Chigamulo pa issuance a chibwereza satifiketi ali analandira pambuyo kuzipeleka kwa ntchito pasanathe mwezi umodzi.