Kana munhu ane hurema hwechigarire zvachose, izvi zvinomudzivisa kuita, zvichida nekuda kwechirwere kana chirwere, basa rinowanzoita basa, uye nokudaro anogamuchira mudyandigere nokuda kwechikonzero ichi. Zvakadaro, kana yasvika nguva yekuenda pamudyandigere, mari yepenjeni yaunowana inowirirana nekuremara kwako. Asi, izvo zvaungasaziva ndizvo zvakanakira kuva mudyandigere nekuda kwekuremara zvachose.
Kana iko zvino uri kuwana penjeni yepenjeni yehurema zvachose, kana uchitova mudyandigere wehurema zvachose kana kuti unoziva mumwe munhu ari mumamiriro ezvinhu aya, uchafarira kuziva kuti zvinosanganisirei.
Chii chinonzi kuremara zvachose
Maererano neSocial Security webhusaiti, Hurema hwese hwechigarire ndihwo hunotadzisa mushandi kuita basa raange achiita nguva nenguva. Asi hazvikutadzisi kuzvipira kune rimwe basa.
Nemamwe mashoko, tiri kutaura nezvemunhu uyu achitadza kuenderera mberi achiita basa rake nekuti haakwanise kuita mamwe mabasa aro. Nekudaro, iwe unogona kuenderera mberi uchishanda mune rimwe basa kwaunogona kuita mabasa anodiwa.
Somuenzaniso, mutyairi asingaoni zvakanaka. Haana kukwanisa kuenderera mberi achishanda asi aigona kuita rimwe basa uko kusaona kwake kwakakwana (100%) kwaisakanganisa.
Ndezvipi zvakanakira kuve mudyandigere kune hurema hwese zvachose
Iwe unofanirwa kuziva kuti, kusiyana nemamwe mapoka, mudyandigere wekuremara zvachose anogona kuramba achishanda mumabasa akasiyana neaaive akabata, iyo kunze kwepenjeni yake, aizowana rumwe rudzi rwemari.
Nekudaro, haisiriyo chete mukana kana bhenefiti yaunogona kuwana, kune akawanda akawanda.
Rubatsiro rwekuchengetedzwa kwehupfumi hwemunhu
Semudyandigere wakaremara zvachose une a nhevedzano yezvipo zvaunogona kukumbira, pakati pavo:
- Rubatsiro rwekuwana imba. Kunyanya, vangave dzimba dzakadzivirirwa zviri pamutemo uye zvavanoita kukupa rubatsiro rwekubhadhara musuwo wenzvimbo, pamwe nerubatsiro rwemubereko pachikwereti chaunokumbira.
- Kubatsira mhuri huru.
- Batsira kana une mitezo yemhuri yakaremara.
- Mabhenefiti emutero, ayo anoratidzwa zvese muIncome Statement uye kana uchibhadhara mutero wemuhoro wega.
- Rubatsiro kune mafreelancers, mune chiitiko chekuti wanga uchishanda muchirongwa ichi.
- Zviyamuro zvemotokari. Kana iwe ukatenga mota nyowani, une yerubatsiro yekunyoresa mukuwedzera kune yakanyanya kuderedzwa VAT, kureva, 4%.
- Extraordinary rovha mabhenefiti.
Kubatsirwa kwepenjeni yekuremara
Imwe bhenefiti yekuva mudyandigere wechirema zvachose kuunganidzwa kwepenjeni, iyo inowanzokwirira kupfuura yepenjeni yakajairika.
Kukupa zano, mukuremara zvachose (IPT) penjeni ye55% yenheyo yekutonga inowanikwa, yakawedzera pakati pe20 ne75% kana panguva yekusvitsa makore makumi mashanu neshanu wanga usingashande (ndiyo inonzi total qualified permanent disability).
Kuwana kudzidza
Zivo haitore nzvimbo, uye haina zera. Saka ungangoda kudzidza chimwe chinhu chitsva uye, nekuda kweizvi, zvikoro zvakawanda zvehurumende zvine Muzana wemabhezari anoenda kuvanhu vakaremara.
Kusvika kunzvimbo dzakachengeterwa kuiswa kwevashandi
Sezvinoita munzvimbo dzedzidzo, zvakare munzvimbo yebasa, makambani ane nzvimbo dzakachengeterwa vakaremara kana vakaremara.
Zvechokwadi, Kana kambani iine vashandi vanopfuura makumi mashanu, vanosvika 50% yezvinzvimbo zvinofanirwa kugarwa nevanhu vakaremara.
Ramba uchifunga kuti kuva mudyandigere hakugumiri pakukwanisa kwako kushanda (chero bedzi risiri iro basa rakafanana nerakapiwa penjeni).
Rubatsiro rwekugadzirisa imba kana mota
Kana uine hurema hwakakwana zvachose, pane zvimwe zviitiko kana zvidikanwi zvisingagone kugutsa imba yakajairika kana mota. Kugadzirisa izvi, mari yaizofanira kuiswa mukugadzirisa imba kana mota kuti ienderane nezvinodiwa zvemunhu iyeye. Uye izvo zvinoreva mari yakawanda iyo, kazhinji, mudyandigere haakwanise.
Naizvozvo, imwe yemabhenefiti aunowana ndeye nyorera rubatsiro rwekugadzirisa dzimba nemotokari. Aya mabasa anogona kutsigirwa, kana zvachose, kureva, pasina kubhadhara chero chinhu; kana kuti zvishoma. Zvinoenderana nei? Zvakanaka, dhigirii remari yaunayo pamwe nekuremara.
Kadhi rekupaka rakaremara
Kadhi iri rinobvumira munhu ane a kuremara zvachose, kana mudyandigere ane IPT, anogona paka munzvimbo dzakachengeterwa vakaremara kana, kana isiri pedyo nenzvimbo yako yebasa kana kwaunogara, kumbira kuti iiswe (kazhinji kuti ishandiswe chete nemunhu iyeye).
Rubatsiro rwekutorwa kwemishonga
Sekureva kweLaw 13/1982, pakubatana kwevanhu vakaremara, vanodya penjeni vane IPT vane kodzero yekutenga mishonga nemutengo wakadzikiswa.
Chokwadi, mumutemo pachawo maximums inotangwa kubhadhara mukurapa kwenguva refu kana kusingaperi, mukuwedzera kune kumwe kudzikiswa zvinoenderana nemari inowaniswa uye kuremara kwemubatsiri wega wega.
Zvipo zvemidziyo yekurapa
Chero ani anotora penjeni yekuremara zvachose angada midziyo yekurapa, senge mawiricheya, mibhedha yakasarudzika, mapurostheses, nezvimwe. Uye ivo vanogonawo kumbira rubatsiro rwekubhadharwa kwechidimbu kana kuzara kwemudziyo uyu.
Mukuwedzera, haisi yezvitsva chete, asi kana iwe uchifanira kuvandudza izvo zvawagara uinazvo, unogona kushandisawo rubatsiro urwu.
Mamwe marudzi erubatsiro
Pamusoro pezviyamuro zvatakurukura, kune zvakare zvimwe zvaunogona kuwana semudyandigere weIPT, zvakaita se:
- Zvekutakura veruzhinji. Nekunyoreswa kwakasiyana pamitengo yakaderera pane yakajairwa uye yakaiswa zvinoenderana neAutonomous Community.
- Zviitiko zvetsika. Kune zvidzikiso zvevanhu vakaremara, semuenzaniso matikiti pamitengo yakaderera, kana yemahara, zvidzikiso, mabhenefiti, nezvimwe.
Sezvauri kuona, pane zvakawanda zvakanakira kuva mudyandigere wekuremara zvachose zvachose. Zano redu rakanakisa nderekuti iwe usvike kukanzuru yeGuta rako kuti vakuzivise sezvo panogona kunge paine mabhenefiti akawanda muAutonomous Community kwaunogara uye ndivo vanogona kukuzivisa zvakanyanya uye nekukubatsira kunyorera magrants aya.