Izinkokhelo emva kokubeletha: yesikhathi esisodwa nesibonelelo dolobha womama

I kokuzalwa kwengane yakho oyifunayo e umndeni - injabulo, kodwa kakhulu izindleko zaba ngu umama nobaba. Yingakho isimo itfutfukise kwemihlomulo kulabo abangamalungu akhokhela wenze kube lula womkhaya osemncane ukukhulisa izingane. Ukwakhela phezu kwasiphi izinkokhelo abekwa esezele, indlela zibalwa futhi ukuthi kukhona izinzuzo ezengeziwe ngemindeni nezingane eziningana, kulesi sihloko sizoxoxa ngako.

Kwathi uma kufika lapho sokubeletha

Izinkokhelo emva kokuzalwa banelungelo lokuthola owesifazane, uma Aqhubeka sokubeletha endaweni esemthethweni umsebenzi, ngenkathi ugcina isipiliyoni umshwalense, okuyinto abizele imigomo yayo: umshwalense ayimpoqo nomphakathi.

Uma owesifazane akazange abe umsebenzi, khona-ke ukukhokhwa kwemihlomulo ngemva kokubeletha wakhe izofakwa njengoba Social Security, kodwa ngesilinganiso esincane, okuyinto kubalwa okusekelwe esungulwe ngesikhathi ukushicilelwa esinqumweni esemthethweni amaholo. Kusukela eyasungulwa isimo.

ikhefu lokuyobeletha, umama okhulelwe ngeke ngempela ukuthola izinkokhelo ekweletwa wakhe esezele umqashi. Uma wayenomkhuba imfundo esigcwele noma umsebenzi ngokwethukela, ukuze uthole imali yena unelungelo zokuvikeleka komphakathi endaweni yokuba babhalisile noma emsebenzini yomyeni wakhe (it akuphazamisi zonke izinzuzo).

ballpark sibalo

Inani inzuzo ibalwa esekelwe Isibalo sezinsuku ukuthi kumele bucaciswe kule isitifiketi ilivu yokugula. Zaba cishe:

• Uma izinsuku 140, okungenani 28 555 ruble;
• lapho esibhedlela yakhelwe izinsuku 156 - ruble 31 818;
• 194 izinsuku ogulayo - ruble 39 569.

inkokhelo engaphezulu

Lapho owesifazane ngesikhathi libhekisela emtholampilo babe amarekhodi yezokwelapha ukukhulelwa, nokukhulelwa akuyona amasonto angaphezu kuka-12, ke ithola umholo lowengetiwe, nesabelo ruble 581 (inani isethelwe ngosuku lokuqala Februwari). Le mali inika owesifazane umqashi. Ukuze kugwenywe ukungaqondi kahle, ngaphambi kokudlulela sokubeletha uzodinga ukuthatha isitifiketi, sicashunwa emtholampilo ukuthi kuzodingeka njengoba ngesisekelo nokukhokhwa kwaleyo enivumelene ngayo.

Ngubani lokhokhela?

Nokubeletha, futhi kamuva ukukhokhelwa emva kokubeletha ingatholakala endaweni yomsebenzi wabo siqu - ubukhulu lokuqala kuyoba amaphesenti ayikhulu iholo. Umqashi ubophekile ukuba akhokhe nesabelo. It ahluke kwabanye ukuthi ingatholakala hhayi kuphela endaweni eyinhloko yomsebenzi, kodwa futhi lapho owesifazane okhulelweyo umsebenzele ngaphambili, kodwa hhayi kuhlanganise amaholo, okuyinto etholwe kwamanye amabhizinisi.

Ngaphandle umsebenzi ungathola lokhu inzuzo futhi uma abazange baxoshwe, hhayi ngoba bethanda, kodwa ngenxa zokunciphisa abasebenzi noma ekucwileni ezikweletini kwanoma ibhizinisi. Ngakho-ke, kwakudingeka ibhaliswe esikhungweni umsebenzi. Khona-ke lolu hlobo inzuzo ngeke ikhokhwe iziphathimandla zikamazisi.

Inkokhelo eyisamba emva kokubeletha

Ukuba ingane kuzoletha hhayi kuphela injabulo yakhe yokuba umama, kodwa isamba. Namuhla kuba inani elimisiwe ruble 15.512. Inani efakwe Februwari 1, 2016.

Usayizi we izinkokhelo ngeke kuthinte amaholo kulungiselelwa, noma ubude besikhathi ukusebenza. Ungathola ke omunye wabazali. Lapho umndeni engazalwanga ingane, kodwa okuningi, nesabelo ibalwa for umntwana ngamunye. Kulo nyaka, wesikhathi esisodwa angabonelela ingane yesithathu kwaba ruble 15 000. Uma omunye umzali engasebenzi, Neyesibili nakanjani ukuthole kusuka kumqashi yabo. Lapho bobabili zikhutshaziwe, kuzomele uxhumane iziphathimandla FSS kanye nezinzuzo ukuze uthole khona.

Inombolo izinsuku womama Kubalulekile futhi

Sokubeletha wabeka zonke wesifazane. It livikeleke umthetho, ukuthi kukhona izinhlobo eziningana lwamanye amagama ayo, kodwa ngamunye ukubeka yokukhokha esiyisibopho izinzuzo. Inani lezinsuku ukuthi ikhefu lokuyobeletha ibalwa esekelwe esimweni ukukhulelwa kokuqhubeka. Sokubeletha kungaba:

• izinsuku 140. Lapho kuzalwa ingane eyodwa, ukuzalwa owancisheka pathologies. Kulokhu, lo wesifazane wabeka ungakazalwa 70 izinsuku ngemva kokuzalwa kwakhe okufanayo.
• izinsuku 156. Lapho zabasebenzi babedonsa kanzima, nge yezinkinga, ngoba nokubuyiselwa impilo kuzodingeka isikhathi esiningi. Kulokhu, ikhefu esidluliselwa kubo izinsuku 86, ngokuvamile ihlukaniswe kanje: izinsuku 84 ngaphambi kokubeletha kanye 72 - emva ukuthi umphumela uba izinsuku 156.
• izinsuku 194. Lapho umndeni ziba zinkulu ngu 2, 3 noma ngaphezulu izingane, ikhefu lokuyobeletha is sesivunyiwe kuze kudlule isikhathi eside. Yikuphi ihlukaniswe izinsuku 84 ngaphambi kokuzalwa umntwana, futhi inkathi kwangemva kokubeletha kuba izinsuku 110.

Zonke lezi zinsuku nakanjani ikhokhwe ngesimo ukushaja izinkokhelo sokubeletha: engenayo ububanzi, owawungumnyaka eminyakeni emibili kamama ngaphambi kokudlulela sokubeletha. Ngokuvamile akhawunti leli nani ngokuvele azalane inkokhelo isilinganiso ngenani izinsuku. Kodwa kungase kungabi ubukhulu kwezibonelelo ngezansi kwebha we amaholo, futhi kulo nyaka isibalo singamaphesenti ruble 6204.

Yini elindela yokukhokha umama osemncane osanda kubeletha?

Njengoba nje ingane akuyona agcwaliseka eminyakeni engaphezu kwengu-1.5, it izonikezwa imali nyangazonke, okuyinto Ufika zilethwe wesifazane. Lesi samba libalwa yamazinga amaholo umama phambi kuze Waqhubeka sokubeletha. Kodwa kukhona ezinye imikhawulo: lemali akukwazi ruble esingaphansi 2909, lapho ezalelwa ingane yokuqala, inzuzo ngomntwana yesibili - ruble 5817, eyesithathu - ruble-7,000 (zinguquko zisebenze ehlobo lika-2016).

Inzuzo ukusebenza ingane futhi eminyakeni nesigamu ingase ixhomeke endleleni nomholo yomzali ibalwa njengoba ezingamaphesenti angu-40 iholo kusungulwa. Ngokusho kwale mithetho, kukhona izinhlobo ezimbili amanani abalwa - esiphezulu kanye esincane. Izinzuzo ingaphinda kwengezwe ndawonye uma ubheka inani lezingane esinika ilungelo lokuthola izinzuzo ezinhle, kodwa ukuze idlule iholo ingqikithi le mali abakwazi.

owesifazane, uma ingane Ubuyisé kakade eminyakeni nesigamu bangathembela lokho izinkokhelo?

Lapho ingane ifinyelele eminyakeni engu 1.5, izinkokhelo ayisekho liyeza, kukhona kuphela isinxephezelo elincane inani ruble angu-50, okuyinto ikhomba umqashi. Kodwa uma kukhona ingane yesithathu, neziphathimandla zezifunda kungase sizuzise baze bafinyelele ngisho nalapho sengineminyaka emithathu, kodwa konke kuncike kulokho efakwe ezingeni esifundeni mihlangano. Ubani lingaqhubeka lokuphekiwe umsebenzi, uyakwamukeliswa inkokhelo endaweni yomsebenzi kanye non-ukusebenza abafundi amanyuvesi ukubhala isicelo FSS.

Capital ukuba abe kahle. Ikakhulukazi uma umzali

Kukhona umthetho ngemvume ngumengameli ohlinzekela inkokhelo ekhethekile. Lolu uhlelo olukhethekile inhlokodolobha umzali. Lokhu usizo yesikhathi esisodwa kusukela isimo (ngesimo isitifiketi sisetshenziselwe izidingo ezithile), ngaphezu izinzuzo enqwabelene ngesikhathi kokuzalwa komntwana wakhe wesibili.

Lolu hlelo uhulumeni kumele athathe isinyathelo ngaphambi kokuphela 2018, kodwa, njengoba kuhlelwe ngaphambili, kulo nyaka ngeke ngokobungako. Futhi ukuphela izohlala ezingeni elifanayo, inani ayizinkulungwane 453. Ruble. Kodwa kuhulumeni iyasiqinisekisa ukuthi lokhu isilinganiso ophoqelelwe kuyinto yesikhathi esisodwa emvelweni, kusukela isabelomali sikahulumeni kudinga isikhathi ukugcwaliswa. Maduzane, uzothatha agcwaliswa nge izindlela ezidingekayo, khona-ke ngonyaka ozayo womama dolobha kufanele kube ephakeme nge-avareji ka eziyisithupha per cent, futhi wenze ruble ecishe ibe yizinkulungwane 480. Futhi ngonyaka bakhulele ruble ayizigidi 505.

Ngokuvamile, lelo lungelo kunikezwa emva kokuzalwa komntwana wakhe wesibili. Uma kwenzeka ukuthi leli nani lingenyuswanga, umndeni unelungelo lokuthola ngemva kokuzalwa komntwana wakhe wesithathu. Lokhu imali ingatholakala kanye kuphela, kungakhathaliseki inani lezingane, ngakho lapho ezalwa ezifana ezintathu, lemali ngeke anda. Ukuze uthole le mali, udinga ithintane nabo bonke amaphepha adingekayo ukuze Pension Fund.

Nokubeletha dolobha ayikwazi wachitha ufana nje, ikhishwe ukuze umkhaya ngcono ukuthi bahlezi kanjani, ukwenza nokukhokhela noma ukukhokhela imfundo yengane.

2016 kunzima yezwe, kodwa ngoba uhulumeni waseRussia waphoqeleka ukuba zinciphise izindleko, okuyinto ithathwe eBhayibhelini isabelomali isimo. Yingakho awuzange ngokobungako kukhona inhlokodolobha umkhaya, futhi kwaba kulo nyaka usethe oda athe ukuhluka kancane indexation, okuyinto ukukhathazeka hhayi kuphela ingane izibonelelo, kodwa futhi nezinye izinzuzo emphakathini. manje ine ngendlela ehlukile: ukukhulisa kubo zingahambelani yokukhuphuka kwamanani ezimpahla uqobo, ikhumbula ngonyaka odlule, ukuthi akuyona ihamba, kunjengokungathi nokujaha emali.

Lapho unikezwa umama lokuzalwa bazothola izinzuzo wabeka ngesikhathi sokuzalwa sengane, kufanele inake nengeniso owedlule iminyaka emibili, bese kuthikamezeka lemali izinkokhelo, kodwa kwabesifazane abasebenzayo kuphela.

Uma umndeni sekuyinkinga enkulu

Lapho kuzalwa umntwana wesithathu, isimo uzama ukusiza ngangokunokwenzeka isidlulile ku esigabeni yomkhaya omkhulu. Inyanga ngayinye, ngaphezu izinzuzo eziyisisekelo, kunemibuzo ezengeziwe, okuyinto uya umndeni ingane ize sekuyiminyaka emithathu ubudala.

Isinxephezelo ukuzalwa kwengane - inzuzo ezivamile. Ubukhulu bayo ihlukile ezindaweni ezahlukene, kodwa futhi kukhona izinzuzo, okuyizinto ubunjalo alahlwayo ukukhiqiza imizimba yabo zokuvikeleka komphakathi sabantu. Kube kufanele aphathwe abazali ingane ezalwe ukwazi kahle - eziyikweletwayo noma yiziphi izinkokhelo.

Ingane yesithathu emkhayeni linikeza ilungelo ukwenza yakhe eneminyaka engu-6 ubudala ube:

• izidakamizwa khulula;
• travel khulula ku ngezokuthutha zikamasipala.

Umndeni futhi unelungelo lokuthathwa njengomsulwa:

• akhokhe Umbuso izikweletu at isaphulelo of 30 per cent;
• uthole isiqephu sendawo nezezindlu;
• intela ku izimoto ngentengo ephansi.

Kusifunda ngasinye, kungase kube nezinzuzo ngabanye zomkhaya omkhulu.

isiphetho

On yokukhokha ngayinye wabeletha owesifazane bangalindela emva kokubeletha. Usayizi nendawo ukukhiqizwa yabo incike ubukhulu nendawo ezisemthethweni emsebenzini ngesikhathi sokubeletha. Kodwa ngaphezu amanani kubalwa, kukhona inkokhelo esinqunyiwe etholwe umama osemncane, ke ingatholakala kusuka kumqashi wakho, bese umqashi womyeni wakhe.