Yini impesheni yomhlalaphansi engakhokhi

impesheni enganikeli

Akungabazeki ukuthi okunye ukwesaba okukhulu kwabantu baseSpain kanye nomhlaba wonke udaba oluphathelene nokuzinza kwezezimali kwabantu, kepha ngaphezu kwakho konke ingxenye ephathelene qinisekisa ukuguga okuhle ngokuzayo, lapho kungasakwazi ukusebenzela ukugcina imali yokuziphilisa, noma noma iningi lisalungile futhi lilahlwe kahle, alisaqashwa ngenxa yobandlululo olungafanele oluvame ukuhlotshaniswa ukukhiqiza ebusheni nasemandleni omzimba, ukushaya indiva kulokhu kudelela, ukuthi kungakanani okuhlangenwe nakho nolwazi oluqoqiwe okusenganikeza.

Ngale ndlela, abantu abaningi abanjalo sekusondele ukuthi uthathe umhlalaphansi baphila ngokwesaba okungapheli kokulahlekelwa imisebenzi yabo, ngoba uma lo mcimbi wenzeka, ukuthola umsebenzi omusha kungaba yindida ku uhlelo lwezomnotho lwamanje.

Kungakho-ke, bebhekene nokungenakugwemeka kokuthatha umhlalaphansi, abantu abaningi baqala ukucabanga ngekusasa labo ngendlela ethusayo nebuhlungu, belahlekelwa ngisho ubusuku bonke bokulala, becabanga imini nobusuku ukuthi ikusasa libaphatheleni, futhi ngaphakathi kwalokhu okunamandla, labo onesikhathi esibi kakhulu yilabo abangabala ithemba lokuthatha umhlalaphansi okuqinisekisiwe, okungukuthi, abantu abangaqoqi imali eyanele yokucubungula, lapho bethatha umhlalaphansi, a Impesheni ehloniphekile nehloniphekile lokho kubenza bakwazi ukuzondla lapho bengasatholi imali engenayo yokuphila okusebenzayo.

Ebhekene nale nkinga, kuyizindaba ezinhle ukwazisa abafundi bale ndatshana, inketho abanayo uma bengenayo izidingo zokucubungula impesheni yakho yokuthatha umhlalaphansi. Kungenzeka ukuthi abaningi sebeyazi ukuthi imayelana nani, kepha futhi kunabantu abathile abangazi lutho ngakho, ngakho-ke, lolu lwazi luzobathwalisa umthwalo omkhulu lapho behlela ukwesekwa kwezezimali ngenxa yokuguga. Sibhekisa ku- Impesheni Enganikeli, Indlela ekhona ngenhloso yokuthola impesheni yabasebenzi abahluleka ukuhlangabezana nezidingo ezidingekayo zokufaka isicelo sempesheni yomhlalaphansi.

Imayelana nani Impesheni Enganikeli Ngayo?

impesheni enganikeli

Ukuze uqonde kalula isizathu sokuba Impesheni Enganikeli, kufanele sikhumbule nje, okokuqala, ukuthi a impesheni yomhlalaphansi ezingeni elinikelayo. Singasho ukuthi i- Impesheni enikelayo impesheni ejwayelekile lapho bonke labo basebenzi abahlangabezana nochungechunge lwezimo ukufinyelela, okumele ngokuyinhloko kube yiminikelo yabo yesikhathi esisetshenzisiwe.

Isibonelo, ukuze isisebenzi sikwazi ukukhetha i-Pension Contributory, kufanele okungenani sibe neminyaka eyi-15 yeminikelo, futhi kule minyaka eyishumi nanhlanu, okungenani ezimbili kumele ngabe sezidlulile eminyakeni eyi-15 edlule, ngoba uma esikhathini esidlule ngalesi sikhathi, imfuneko enjalo ibingeke ihlangatshezwe.

Ngokwengxenye yayo Impesheni Engathathwanga Umhlalaphansi (PNC), Njengoba igama layo lingahle liphakamise, kuyinzuzo yezomnotho enganikezwa bonke labo bantu abasesimweni sezomnotho abanemali elinganiselwe, abanesidingo esinamandla, futhi abangenayo impesheni ejwayelekile ngenxa yokungazigqibi izingcaphuno eziceliwe njengesidingo esiphansi ukufinyelela i Impesheni Efaka Umhlalaphansi.

Ngale ndlela, singahumusha i- Impesheni Enganikeli Njengohlobo lwe "plan B" lapho abantu abangakwazi ukucela okwabo impesheni yokunikela ngenxa yombuzo weminikeloNgakho-ke, kuyithuba elihle kakhulu lokuthi ungashiywa ungavikelekile phakathi neminyaka esabekayo yobudala, ikakhulukazi maqondana nezinsizakalo zezempilo, okuyiqiniso impela phakathi neminyaka yethu yokugcina yokuphila esizoyisebenzisa kakhulu.

Yiziphi izidingo ongicela ukuthi ngifake isicelo seMpesheni Yomhlalaphansi Engakhokhelwa?

Okwabo bonke abantu abadinga i- faka isicelo salolu hlobo lomhlalaphansiKubalulekile ukuthi bazi izidingo okumele balandele zona ukuze bakwazi ukuzicubungula ngaphandle kwezinkinga.

Ngaphakathi kwemithethonqubo ekhona kumthetho waseSpain, kudingeka kuphela izimo ezilandelayo:

  • Ukungabi nelungelo lokucela impesheni Yomhlalaphansi Enikelwayo, ngokungahlangabezani nezidingo zeminikelo. Lesi simo silula kakhulu, ngoba noma ngubani ohlangabezana neminikelo yakhe ephawulwe ngumthetho, akadingi ukuthi acele i-PNC Yomhlalaphansi, ngoba angakwazi ukuthola indlela engcono futhi bekungeke kube nengqondo ukufuna inketho eyenzelwe abantu abangakwazi ukuvikela ukuvikelwa kwezezimali ngokuzayo.
  • Yiba neminyaka engama-65 noma ngaphezulu.
  • Ukungabi nenye imali engenayo noma enye imali engenayo engenza inketho yokufaka isicelo sePensheni Engasebenzi Umthetho waseSpain ubeka ukuthi umfakisicelo uswele imali engenayo lapho umholo wakhe ungaphansi kwama-euro angama-5178.60 ngonyaka, inani elaziwa ngo-2018. Ngaphezu kwalokhu, ezimweni lapho ofaka isicelo ehlala nezinye izihlobo, kuphela Kuzofeza imfuneko lapho isamba imali engenayo yawo wonke amalungu omndeni ingaphansi kwenani eliphakanyiswe yi-Institute for the Elderly and Social Services (IMSERSO).
  • Ngokusemthethweni hlala eSpain: ukuze uhambisane nale mfuneko, kuyadingeka ukuthi umsebenzi uhlale eSpain okungenani iminyaka eyi-10, okungenani okungenani i-2 bekungamele iphazanyiswe nangaphambi kosuku lokucela.

Ingakanani imali Yempesheni Yomhlalaphansi Engakhokhelwa?

impesheni enganikeli

I-PNC inika isamba esigcwele sama-euro angama-369,90 ngenyanga, isibalo esisungulwe kumuntu ongasebenzi naye ohlala yedwa, noma kunjalo leli nani lingahluka ngokuya ngenani labantu abahlala endlini, nokuthi ziyasebenza noma cha. Singasho ukuthi ama-euro angama-369 ayimali ejwayelekile kubantu abahlala bodwa futhi abangenawo umsebenzi, kepha uma lesi simo singafinyelelwanga, impesheni ingahluka ngokuya ngezimpawu zalowo ofaka isicelo.

Impesheni inganikezwa isikhathi esingakanani?

Imvamisa, impesheni ingeyempilo, okusho ukuthi umfakisicelo angaqhubeka nokuthola lo mholo kuze kube usuku okwenzeka ngalo ukufa kwakhe, kodwa-ke, lo mbandela ugcinwa kuphela inqobo nje uma umsebenzi eqhubeka nokugcina izidingo ezibalulekile zokuqhubeka nokuwuthatha.

Ngingasifaka kuphi isicelo sempesheni engakhokhi futhi yimiphi imibhalo engidinga ukuyethula?

Okwabo bonke abafisa ukukucubungula lokhu indlela yempesheniBangayicela ngokuya ezinhlakeni ezehlukene zikahulumeni. Ngale ndlela, bangayicela, noma kumahhovisi ezinsizakalo zomphakathi we-Autonomous Communities, nakumaHhovisi e-Institute for the Elderly and Social Services (IMSERSO), noma kunoma yiliphi ihhovisi le-Social Security. Endabeni Yemiphakathi Ezimele yaseCeuta neMelilla, isicelo kumele sithunyelwe ngqo kwi-IMSERSO.

Imibhalo okumele yethulwe yile elandelayo: Ifomu lesicelo elisemthethweni, i-DNI, kanye neSitifiketi sokubhalisa.

Yiziphi izibopho umuntu ohola impesheni azithola empeshenini enganikeli?

Ukuqhubeka nokugcina impesheni yabo ngaphandle kwenkinga, abahola impesheni kufanele futhi bafeze uchungechunge lwezibopho ezithile, ezinjengalezi:

Isibopho sokuxhumana neBhizinisi Elilawulayo nganoma yiluphi ushintsho olungathinta ukuqashelwa kwempesheni, kanye nesitatimende semali engenayo kufanele silethwe kwikota yokuqala yonyaka ngamunye, lokhu ukuze kuboniswe ukuthi kuyaqhubeka nokuhlangabezana nemfuneko lokushoda kwemali engenayo, isimo esibalulekile sokuqhubeka nokuba ngumbolekisi Impesheni Enganikeli.

Ingabe lukhona olunye uhlobo lwempesheni ngaphezu kwalokhu okunikelayo nokunganikeli?

impesheni enganikeli

Ngokuyisisekelo, kukhona kuphela izimpesheni ezinikelayo nezinganikeli, kepha lezi zona, zingahlukaniswa ngezinye izindlela.

Endabeni ye-PNC, sinesikhathi somhlalaphansi, okuyiyona ebesiyibuyekeza kulo lonke lolu daba,  kodwa futhi sinalokho okwaziwa ngokuthi Impesheni Yokukhubazeka Engasebenzi enikezwa labo bantu abasesimweni sokushoda kwezinsizakusebenza, futhi nabo okumele babhekane nezinga elithile lokukhubazeka elilingana noma elingaphezu kwama-65%.

Singasho ukuthi lolu hlobo lwempesheni lwenzelwe ukuvikela imikhakha yabantu okuthi ngenxa yezizathu zokukhubazeka ngokomzimba, ingakwazi ukwenza imisebenzi eminingi enikezwa ekunikezelweni kwemisebenzi, yingakho kungukuqalisa okuhle kakhulu kokuvikelwa komphakathi.

Isiphetho

Ngemuva kokufunda le ndatshana, impela kungenzeka ukuthi uqaphele ukuthi noma ngabe awukwazi ukuqoqa iminikelo edingekayo yokuthola impesheni, konke akulahlekanga, ngoba ngaso sonke isikhathi kuyenzeka usebenzise ezinye izindlela nezimo. Manje uyazi ukuthi a Impesheni Enganikeli kanye nezinzuzo ongazifinyelela ngenxa yalolu hlobo lokuvikelwa komphakathi, ngakho-ke ikusasa lakho lezezimali alisekho elifiphele njengoba kungaba ukucabanga ngaphandle kwanoma yiluphi uhlobo lokuvikelwa kwezezimali.


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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.