Menene fa'idar taimako

Sau da yawa yana faruwa cewa tare da dokoki, lambobi da buƙatun da yawa ba mu da cikakken bayani game da wasu ra'ayoyi ko ayyukan wasu abubuwan. Wannan na iya zama lamari tare da fa'idar rashin aikin yi. Menene fa'idar taimakawa? Shin na cancanci hakan? Yaya ake lissafi?

A zahiri, lokacin da muke magana game da fa'idar rashin aikin yi, muna maganar tattara rashin aikin yi. A cikin wannan labarin za mu bayyana abin da yake daidai, ga wanda aka ba shi, yadda aka kirga shi kuma menene bambance -bambance tare da fa'idar rashin aikin yi. Ina ba da shawarar ku ci gaba da karatu don ƙarin koyo game da batun.

Menene fa'idar aikin rashin aikin yi?

Lokacin da muke magana game da fa'idar gudummawar, muna nufin amfanin da mutum ke samu bayan ya ba da gudummawa a matsayin ma'aikaci na ɗan lokaci zuwa Tsaron Tsaro. PDon samun damar isa gare ta, alaƙar aiki tsakanin mutumin da ake magana da kamfani dole ne ya ƙare. Don haka, idan muna son tara fa'idodin gudummawar, wanda kuma aka sani da rashin aikin yi, dole ne a kore mu daga Social Security a matsayin ma'aikaci mai aiki.

Amfanin rashin aikin yi ba kawai ga waɗanda suka cika wasu buƙatu cewa za mu lissafa a ƙasa:

• Samun kanku a cikin halin rashin aikin yi doka.
• An nakalto mafi ƙarancin lokaci a cikin Social Security.
• An rufe tsawon lokaci akalla watanni 12 a cikin shekaru 6 kafin rashin aikin yi na doka.
• Bai kai shekarun ritaya ba.
• Katse dangantakar aiki ta hanyar dakatar da kwangila, ERE ko ta kora.

Labari mai dangantaka:

Duk game da amfanin rashin aikin yi

Kamar yadda muka ambata a ɗaya daga cikin abubuwan da suka gabata, don samun cancantar fa'idodin rashin aikin yi dole ne mu ba da gudummawa ga Tsaron Tsaro na mafi ƙarancin lokaci na shekara guda, wato, daidai kwanaki 360. A wannan lokacin muna da fa'idodin watanni huɗu, Ina nufin kwanaki 120. Daga wannan lokacin za mu sami rashin aikin yi na ƙarin watanni biyu ga kowane ƙarin watanni shida na gudummawar, har sai mun kai iyakar da aka kafa na watanni 24. Wannan yayi daidai da lokacin da aka ambata na aƙalla watanni shida.

Menene bambanci tsakanin fa'idar gudummawa da fa'idar rashin aikin yi?

Sau da yawa, kalmomin "fa'idar gudummawa" da "fa'idar rashin aikin yi" suna rikicewa. Yanzu da muka san menene fa'idar gudummawar, za mu yi bayanin abin da fa'idar rashin aikin yi ke nufi kuma ta haka ne za mu gama ganin banbanci tsakanin su biyun.

Labari mai dangantaka:

Amfanin rashin aikin yi: menene menene kuma yadda ake neman sa

Taimako ne mai ba da gudummawa da yanayin taimako. An tsara shi ga waɗanda ba su da isasshen kudin shiga. Waɗannan su ne shari'o'in da za su iya zaɓar fa'idar rashin aikin yi:

• Mutanen da suka kar a kai ƙaramin farashi don samun fa'idar gudummawa.
• Mutanen da suka riga sun yi cikakken amfani da fa'idarsu da har yanzu ba su iya samun aiki ba.
• Fiye da shekaru 55 wadanda basu da aikin yi.
• 'Yan gudun hijirar da ke dawowa Spain, muddin ƙasashensu ba su da yarjejeniyoyin haɗin gwiwa game da rashin aikin yi.
• An saki fursunonin da suka yanke hukuncin akalla watanni shida.
• Mutanen da ke da nakasa zuwa matakin nakasassu na dindindin saboda sana'ar da aka saba, bayan sun sami nakasa ta dindindin.

Dangane da yanayin, waɗannan buƙatun kuma dole ne a cika su:

• Tare da masu dogaro, mafi ƙarancin lokacin gudummawa shine watanni uku.
• Ba tare da masu dogaro da kai ba, mafi ƙarancin lokacin gudummawa shine watanni shida.
• Kudaden shiga kada su wuce 75% na mafi ƙarancin albashi na yanzu.

Nawa ake biya don tallafin?

Ana lissafin adadin fa'idar rashin aikin yi bisa 80% na IPREM . Koyaya, ana iya ƙara wannan idan muna da fiye da mutane uku a cikin cajin mu kuma sun haura shekaru 45.

Amma har yaushe za mu iya tattara fa'idar rashin aikin yi? Tsawon sa ya danganta da adadin watannin da muka kawo. Idan muna da yara masu dogaro da kai, mafi ƙarancin lokacin gudummawa shine watanni uku. A cikin waɗannan watanni uku za mu tattara fa'idar rashin aikin yi na watanni huɗu ko biyar. Idan ba mu da yara masu dogaro da kai, mafi ƙarancin lokacin ba da gudummawa shine watanni shida kuma za mu karɓi alawus na watanni shida ma, ko da mun ba da gudummawa da yawa.

Nawa ake cajin fa'idar gudummawar?

Don sanin nawa ake cajewa daga fa'idar gudummawar, dole ne mu fara sanin tushen ƙa'idar. Matsakaici ne na duk sansanonin gudummawar rashin aikin yi na kwanaki 180 da suka gabata kafin yanayin rashin aikin yi na doka, wato a daidai lokacin da wajibcin yin faxar ya qare. Kwanaki 180 da suka gabata koyaushe ana lissafta su azaman kalandar kuma ana bin su ɗaya bayan ɗaya. Babu yuwuwar haɗa ƙamus.

Lokacin lissafin ginshiƙan doka don rashin aikin yi, ana ɗaukar matsakaicin duk albashin ma'aikata na watanni shida da suka gabata. Ba a haɗa ƙarin lokacin aiki a cikin wannan lissafin ba. Saboda haka, mafi yawan albashi, mafi girman tushen gudummawar zai kasance. Wannan, bi da bi, yana haɓaka tushen tsari don riba.

Labari mai dangantaka:

Lissafi tushen tsari

Da zarar mun kafa ginshiƙan doka gwargwadon matsakaicin albashin da ake da shi, lokaci yayi da za a yi amfani da kashi 70% a cikin kwanaki 180 na farko na fa'idodin gudummawar don tantance adadin da kuka cancanci. Bayan wannan lokacin farko, adadin fa'idar yana raguwa. Farawa daga ranar 181, ana amfani da 50% akan tushen ƙa'idar don ƙayyade adadin da za a karɓa.

Har ila yau, iri biyu na ragi suna aiki zuwa babban adadin da ya dace da fa'idodin gudummawar:

• Taimakon Tsaron Tsaro: 4,7% na tushen tsari. Wannan shine matsakaicin matsakaicin gudunmawar watanni shida na ƙarshe don abubuwan da ke faruwa.
• Rage harajin samun kudin shiga na mutum, muddin ya dace.

Dogaro yaro

Manufar "yaro mai dogaro" yana da matukar mahimmanci idan aka zo batun samun fa'idodin rashin aikin yi. Wannan ya faru ne saboda iyakokin tattalin arziƙi, mafi girma da ƙarami, dangane da fa'idodin sun dogara sosai kan nauyin iyali na mutanen da ake magana akai. Amma me ake nufi da yaro mai dogaro? Masu zuwa sun fada cikin wannan rukuni:

• 'Ya'ya maza ko mata' yan ƙasa da shekara 26.
• 'Ya'ya maza ko mata sama da shekaru 26 waɗanda ke da nakasa wanda ya wuce kashi 33%.

Bugu da kari, ya zama dole a nuna dogaro da tattalin arzikin su. Don a ɗauke 'ya'ya maza ko mata a matsayin masu kula, Dole ne ba su da kudin shiga daidai ko sama da 100% na mafi ƙarancin albashin ƙwararrun ƙwararru (SMI), ban da zama tare da mutumin da ke sha'awar tattara fa'idar taimako.

Tare da zama tare, ana biyan kuɗin fansho dangane da abinci, koda yaran suna zaune tare da sauran iyayen. A cikin waɗannan lokuta ana ƙara fadada tunanin yaro har zuwa na maigidan. A wasu lokutan, ana iya gane marayun iyayen biyu a matsayin yaran da ke dogaro da su muddin sun dogara da masu cin gajiyar.

Matsakaicin da mafi ƙarancin iyaka na fa'idodin gudummawar

Da zarar mun kirga adadin da ya dace da fa'idar rashin aikin yi, dole ne ya kasance yana kan iyaka da mafi ƙarancin iyaka wanda ya dogara da yanayin dangi na masu nema. Manufar waɗannan iyakokin shine adadin wannan fa'ida daidai yake ga matsakaici da babban albashi.

Ga mutanen da ba su da yara masu dogaro, iyakar iyakar fa'idar gudummawar ta dace da 175% a kowane wata na Mai Nunin Jama'a na Ƙididdiga Mai Tasiri (IPREM) ya ƙaru da kashi ɗaya bisa shida, wanda ya kai € 2020 a 537,84. Ta wannan hanyar, sakamakon yayi daidai da € 1.098,09 a 2020.

Madadin haka, masu nema tare da yara masu dogaro suna da wani madaidaicin murfin. Wannan ya yi daidai da 200% a kowane wata na Alamar Alamar Maɓallan Maɗaukaki na Jama'a (IPREM) ya karu da kashi ɗaya bisa shida idan yaro ɗaya ne, wanda zai yi daidai da € 1.254,96 a 2020. Dangane da samun yara biyu ko fiye, an ƙara hular zuwa 225% a kowane wata na Ƙididdigar Ƙididdigar Ƙididdigar Jama'a (IPREM) ya ƙaru da kashi ɗaya bisa shida. Wannan shari'ar ta ƙarshe za ta yi daidai da jimlar € 1.411,83 a 2020.

Don hana wasu mutane samun fa'idodi marasa kyau, akwai kuma mafi ƙarancin iyakoki. A waɗannan lokuta, an ƙaddara mafi ƙarancin adadin da bai dogara da adadin gudummawar mai nema ba. Ta wannan hanyar, masu amfana waɗanda ba su da yara masu dogaro da kai suna samun aƙalla 80% a kowane wata na Alamar Jama'a na Ƙididdiga Mai Ruwa Mai yawa (IPREM) ya ƙaru da kashi ɗaya bisa shida. A ranar 2020 ya kasance 501,98 Yuro. Idan mai nema yana da yara masu dogaro da kai, za su karɓi 107% a kowane wata na Alamar Jama'a na Ƙididdiga Mai Ruwa Mai yawa (IPREM) ya ƙaru da kashi ɗaya cikin shida, wanda ya haifar da € 671,40 a 2020.