Kupuma pantchito pang'ono

kupuma pantchito pang'ono

Pali anthu omwe amachita mantha ndi msinkhu wopuma pantchito. Kupita kukakhala ndi ntchito yodzuka tsiku ndi tsiku, komanso kudzimva kukhala wofunikira; Kukhala wopuma pantchito wokhala ndi nthawi yambiri yopuma kumawakhumudwitsa, chifukwa amamva kuti, akapezeka kuti ali mumkhalidwewo, amasiya kutumikira, osati anthu okha, komanso banja lawo. Ichi ndichifukwa chake ambiri amasankha kutenga nawo gawo pantchito.

Koma, Kodi kumatanthauza chiyani kupuma pantchito pang'ono? Kodi pali amene angaigwiritse ntchito? Ndi zofunikira ziti zomwe ziyenera kukwaniritsidwa? Kodi imatha kusamalidwa nthawi zonse? Zonsezi ndi zina zambiri ndi zomwe tikambirane kenako.

Kodi kupuma pantchito pang'ono ndi kotani?

Kodi kupuma pantchito pang'ono ndi kotani?

Kupuma pantchito pang'ono kumatha kumveka ngati mgwirizano womwe umapangidwa pakati pa wolemba ntchito ndi wogwira ntchito yemwe munthuyo amachepetsa nthawi yogwirira ntchito ndi kampaniyo, ndikutsika kwa malipiro ake. Malinga ndi tsamba la Social Security, Lingaliro loti mupume pantchito pang'ono lingakhale ili:

«Kupuma pantchito pang'ono kumawerengedwa kuti ndi komwe kunayamba atakwanitsa zaka 60, munthawi yomweyo ndi mgwirizano wantchito yanthawi yolumikizidwa kapena osalumikizidwa kapena ayi ku mgwirizano woperekedwa ndi wogwira ntchito kapena amene ali ndi mgwirizano ndi kampani yanthawi yayitali» .

Mwanjira ina, ndi pomwe munthu amapitilizabe kugwira ntchito koma amatero ndi tsiku lalifupi logwira ntchito, komanso malipiro ochepa. Komabe, sizitanthauza kuti mudzalipitsa zochepa. M'malo mwake, amalandira gawo lokwanira la penshoni yake yopuma pantchito kuchokera ku Social Security.

Kuti mupume pantchito pang'ono, ndikofunikira kuti kuchepetsedwa kwa nthawi yogwira ntchito kungakhale osachepera 25%, ndipo kumatha kufikira 50%. Izi zikutanthawuza kusaina pangano latsopano la ntchito.

Mitundu yopuma pantchito pang'ono

China chomwe ambiri sadziwa ndichakuti pali njira ziwiri zopezera mwayi wopuma pantchito pang'ono. Izi ndi:

  • Kupuma pantchito koyambirira. Zimachitika pomwe wogwira ntchito amafika msinkhu wopuma pantchito popanda chindapusa chilichonse. Zomwe zimachita ndikuchepetsa tsiku logwirira ntchito koma, m'malo mopezera mgwirizano pang'ono (kupatsa enawo ndalama zapenshoni), zomwe zimakhazikitsa ndi mgwirizano wothandizira.
  • Kupuma pantchito wamba. Ndiwo omwe, akafika zaka zoyenerera kuti agwiritse ntchito chiwerengerochi, wogwira ntchitoyo amapezerapo mwayi pochepetsa malipiro ndi tsiku logwirira ntchito posinthana kuti alandire gawo limodzi pantchito yawo.

Zomwe zimafunikira kuti zikwaniritsidwe

Mitundu yopuma pantchito pang'ono

Wogwira ntchito akafuna kugwiritsa ntchito njirayi, zofunikira zingapo ziyenera kukwaniritsidwa koyamba, monga:

Kupuma pantchito pang'ono ndi mgwirizano

Kungakhale mtundu woyamba wopuma pantchito womwe takambirana, ndipo pankhaniyi, kuti titha kusangalala nawo zofunikira izi ziyenera kukwaniritsidwa:

  • Kuti pali mgwirizano wothandizira ndi wogwira ntchitoyo. Mgwirizanowu ukhoza kukhala wa tsiku lomwe wogwira ntchitoyo sagwira ntchito, ndipo ukhoza kukhala wosakhalitsa kapena wosakhalitsa.
  • Kuti mwafika zaka zochepa kuti mupume pantchito pang'ono. Poterepa, tikulankhula za zaka 60 pankhani ya ogwirizana; 62-63 milandu yonse.
  • Khalani ndi mgwirizano wanthawi zonse. Ngati sichingapezeke, wogwira ntchito sangathe kusankha njira iyi yopuma pantchito.
  • Ndikofunikira kuti wogwira ntchito azikhala ndi zaka zosachepera 6 pakampani. Zikakhala kuti sizikukwaniritsidwa, ngakhale zofunikira zina zitakwaniritsidwa, simungapeze mwayi wopuma pantchito.

Kupuma pantchito pang'ono popanda mgwirizano wina

Pakakhala kuti pangano silinapangidwe, ndikusankha kupuma pantchito pang'ono, zofunika kukwaniritsa ndi izi:

  • Zaka zochepa zopuma pantchito, zomwe zizikhala kuyambira zaka 60.
  • Mgwirizano wantchito. Izi zitha kukhala zanthawi zonse komanso zazing'ono.
  • Kuchepetsa tsiku logwira ntchito. Kuchepetsako kuyenera kukhala ochepera 25% komanso kupitilira 50%. Nthawi zina, 75% akhoza kuloledwa.
  • Khalani ndi ndalama zochepa. Nthawi imeneyi ikhala zaka 15, awiri mwa iwo nthawi yomweyo mkati mwa zaka 15 isanachitike chochitikacho. Ndiye kuti, zaka ziwirizi ziyenera kukhala zaka 15 isanakwane nthawi imeneyo.
  • Lowani mgwirizano wanthawi yochepa ndi kampaniyo. Ngakhale muli kale ndi mgwirizano pantchito, mukamachoka pa zonse mpaka tsiku lochepetsedwa ndikofunikira kukhazikitsa mgwirizano watsopano.

Ndalama zingati zomwe amapatsidwa pantchito yopuma pantchito pang'ono

Poterepa sitingakupatseni ndalama zenizeni kuyambira pamenepo Zimadalira penshoni yomwe ikufanana nanu. Chomwe chikuyenera kukhala chodziwikiratu kwa inu ndikuti mukapuma pantchito pang'ono mudzalipidwa ndi kampaniyo, ndipo zotsalazo mpaka kumapeto kwa tsikulo ziperekedwa ndi Social Security ngati penshoni pang'ono.

Momwe mungalembetsere kupuma pantchito pang'ono

Momwe mungalembetsere kupuma pantchito pang'ono

Ngati mutatha zomwe mwawerenga mukuwona kuti mukukwaniritsa zofunikira komanso zomwe mukufuna kuchita, njira zopempha kuti mupume pantchito, choyamba, mwa kupempha kuti mupite ku Social Security. Izi zitha kupezeka poyimba foni nambala (901 106 570), kudzera patsamba lake kapena pulogalamu yake. Kusankhidwa uku kudzakuthandizani kuti mudziwe zonse zomwe muyenera kudziwa pankhani yopuma pantchito pang'ono.

Kuphatikiza apo, muyenera kukhala ndi zolembedwazo, ndiye kuti: DNI kapena NIE (choyambirira ndikulemba), fomu yofunsira kupuma pantchito (yomwe mutha kutsitsa patsamba lovomerezeka la Social Security); chitsimikizo cha kampani kapena chikalata chonena kuti mupitiliza kukhala pakampani; satifiketi yakulemala (ngati muli nayo) komanso kuvomerezeka kwa Gulu Lankhondo kapena Kupeza Phindu Labwino (ngati muli nalo).

Ndikofunika Komanso lankhulani ndi kampaniyo, chifukwa zitha kukhala kuti sichikufuna kuchepetsa ntchito ndi malipiro ake, chifukwa chake mutha kukhala mukukumana ndi vuto lina: mutha kutaya ntchito yanu ndikusayenerera kupuma pantchito.

Mukangoyamba njira, Social Security idzaweruza nkhaniyi ndipo mutha kuyamba kusangalala ndikupuma pantchito pang'ono pamene mukugwirabe ntchito. Zachidziwikire, kuti kuvomereza kwa njirayi ndikofunikira kuti kampani isayine kontrakitala. Kupanda kutero, zitha kukanidwa.


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