Unyana angayifumana na imali yomhlolokazi kamama wakhe?

Unyana angayifumana na imali yomhlolokazi kamama wakhe?

Ipenshoni yomhlolokazi inikwa emitshatweni xa omnye wamalungu eswelekile, kushiyeke omnye engumhlolo. Kwezi meko, umntu ophilayo ufumana isixa senyanga. Kodwa ngaba unyana unokuyifumana inkamnkam yomhlolokazi kanina?

Ukuba uyiqwalasele kwaye awukwazanga ukufumana impendulo, ke sikunika izitshixo ukuze uqonde ukuba ungayihlawulisa na okanye hayi.

Ithini ipenshini yomhlolokazi

Ithini ipenshini yomhlolokazi

Ipenshoni yomhlolokazi yinzuzo ethi uKhuseleko lweNtlalo ngokwalo lunika isibini (nokuba ngomtshato okanye nge-facto) xa elinye lamalungu lifa, lishiya omnye umntu ephila.

Ukuze uyifumane, uthotho lweemfuno kufuneka kuhlangatyezwane nazo ngabo bobabini oswelekileyo kunye nexhoba.

Kwimeko yomntu obhubhileyo, ukuze kusebenze inkqubo yepenshoni yomhlolokazi, oku kulandelayo kufuneka kuhlangatyezwane nayo:

  • Ziye zakhutshwa ubuncinane iintsuku ezingama-500 kwiminyaka emihlanu edlulileyo. Ukuba ubungabhaliswanga, kufuneka ke ubonise ubungqina bokuba uye wafikelela elona xesha lincinane lomrhumo, eliyiminyaka eli-15. Kuphela ukuba ingozi yokufa ibangwe yingozi, nokuba isemsebenzini okanye hayi, okanye ngenxa yesifo esibangelwa ngumsebenzi, obu buncinane abuyi kuthathelwa ngqalelo.
  • Yiba ngumamkeli we pension yomhlalaphantsi, okanye ube nelungelo lokuyifumana, nokuba awuyicelanga.
  • Ukuba ngumntu odla umhlala-phantsi ngenxa yokukhubazeka okusisigxina.
  • Unelungelo lokufumana inkxaso-mali yokukhubazeka okwexeshana, umngcipheko ngenxa yokukhulelwa, ukubeleka okanye ukuba ngutata...

Nangona kunjalo, kwimeko yomntu ophilayo, kufuneka bathobele:

  • Ukuba liqabane okanye iqabane eliqhelekileyo lomntu obhubhileyo.
  • Yiba nabantwana abafanayo. Ukuba awukayifumani, ungafumana ipenshoni yomhlolokazi okwethutyana.
  • Ukuqhawula umtshato okanye ukwahlukaniswa ngokusemthethweni, kunye okanye ngaphandle komhlalaphantsi oyimbuyekezo.

Ithini imali ye pension yomhlolokazi

Kwimeko apho, emva kokufunda iimfuno, uhlangabezana nazo kwaye ungenise amaphepha, ezi ziya kuvavanywa ukujonga ukuba unikwe umhlalaphantsi womhlolokazi.

Ukuba isisombululo sivuma, uya kufumana i-52% yesiseko solawulo lomfi. Ngamanye amazwi, imali yomhlalaphantsi eyayifunyanwa ngomnye umntu ayifunyanwa ngokupheleleyo, kodwa ingaphezu kwesiqingatha sayo. Ewe, ingaba phezulu xa kukho imirhumo yosapho okanye ezinye izinto ezimandundu, ezibangela ukuba isixa sonyuswe sibe ngama-70%.

Kodwa ngaba unyana unokuyifumana inkamnkam yomhlolokazi kanina?

Hayi ncma. Unyana akanakuze ayiqokelele imali yomhlolokazi kanina. Kwaye oku akunakuzuzwa njengelifa. Kwaye umama akanako ukutshintshela okanye ukwabela ilungelo analo phezu komntwana wakhe.

Ipenshoni yomhlolokazi inikwa abantu kwiimeko ezintathu:

  • Xa kukho iqabane elisaphilayo (oko kukuthi, bangabahlolokazi).
  • Xa besahluliwe, ngokusemthethweni okanye ngokomthetho, kwaye omnye wabo uyafa.
  • Kwimeko yokusinda kubudlelwane obuqhelekileyo.

Enyanisweni, ukuba siwuhlolisisa ngokunzulu umthetho, sifumanisa ukuba imali yomhlolokazi iyanqanyulwa xa loo mntu, umhlolokazi okanye umhlolokazi esweleka.

Umntwana unokuqokelela kuphela le mali yomhlalaphantsi mithathu:

  • Ubunkedama.
  • Ngokuthanda izalamane.
  • Inkxaso malixhasa izihlobo.

Kakade ke, kwimeko nganye kuya kufuneka ukuba sihlangabezane neemfuneko abasicela zona.

imali yenkamnkam yenkedama

Leyo inikwa inkwenkwe okanye intombazana kuba abazali bayo bengasekho. Ukuyiqhuba, uthotho lweemfuno kufuneka zifezekiswe:

Ukuba yinkedama, nokuba lelinye okanye omabini amalungu (utata nomama).

Yiba ngaphantsi kweminyaka engama-21 ubudala. Le minyaka inokugqithwa ukuba umntwana unesiphene.

Ukuhlangabezana nezinye iimfuno. Ezi zinto zisekelwe ekubeni uyinkedama ngokupheleleyo (bobabini abazali baswelekile kwaye akukho bantu bakukhuliselayo); okanye elula, xa omnye kuphela wabazali esifa.

Kwaye kubizwa malini? I-20% yesiseko solawulo somntu obangela ipenshini (oko kukuthi, umzali). Kwezinye iimeko, isixa sinokunyuka ukuya kuma-52%.

Ukongeza, unokuqokelela lo mhlalaphantsi kwaye usebenze ngexesha elifanayo, kodwa kuphela ukuba ukubalwa konyaka kungaphantsi kwe-100% yokubala konyaka kweMinimum Interprofessional Salary (SMI).

Umhlalaphantsi uxhasa izalamane

Umhlalaphantsi uxhasa izalamane

Ukuze bafumane le pension, abantwana kufuneka bahlangabezane nezi mfuno zilandelayo:

  • Bahlale nelungu losapho ubuncinci iminyaka emibini phambi kokusweleka kwabo.
  • Ukungabinamhlalaphantsi karhulumente.
  • Ungabi nandlela yakuziphilisa.

Ukuba iimfuno ziyafezekiswa, ungakhetha i-20% yesiseko solawulo lomfi.

Ngoku, le pension isoloko iqokelelwa zizalamane ngokulandelelana: okokuqala abazukulwana kunye nabantakwabo bomfi, emva koko abazali, emva koko utatomkhulu nogogo kwaye, ekugqibeleni, abantwana.

Inkxaso-mali exhasa izalamane

Inkxaso-mali exhasa izalamane

Okokugqibela, sinale nkxaso-mali apho iimfuno zi:

  • Ukuba ngumntwana oneminyaka engama-25 ubudala.
  • Uhlale nesihlobo iminyaka emibini ubuncinci phambi kokusweleka.
  • Ukungabinamhlalaphantsi karhulumente.
  • Ungabi nandlela yakuziphilisa.

Ngokufanayo, i-20% yesiseko solawulo iya kukhethwa kodwa, ngokungafaniyo neyangaphambili, iya kuba yethutyana. Unelungelo lolu ncedo lweenyanga ezili-12 kuphela.

Ngoko ke, sinokugqiba ngelithi, phezu kwako nje ukuba zininzi iindaba apho kusithiwa ewe, abantwana banokuyifumana inkamnkam yomhlolokazi, into abayifumanayo yinkamnkam exhasa izalamane, kodwa hayi imali yomhlolokazi kuba oko bekuya kuba njalo. ihambelana kuphela nabazali kwaye emva kokufa kwabo iya kunyamalala.

Ngoku, kwimeko apho abantwana bakhubazekileyo (balingana okanye ngaphezulu kwe-33%), kuyinyani ukuba kukho imbuyekezo kwaba bantwana, maxa wambi ilingane neyobuhlolokazi, kungoko kucingelwa ukuba intlawulo eneneni yi pension leyo.

Xa ungathandabuzi, sicebisa ukuba ujonge kuKhuseleko lweNtlalo, leyo leyo, xa ulichazile ityala lakho, inokukunika impendulo engcono malunga nokuba unelungelo lomhlalaphantsi na okanye ikhona na indlela yokuwufumana.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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