Pali zochitika zosiyanasiyana pomwe kudwala kapena kuchitiridwa ngozi kungayambitse munthu kukhala wopanda mphamvu kuti athe kugwira ntchito zatsiku ndi tsiku komanso kugwira ntchito.
Ulemuwu ukakhala wokwera kwambiri, umanenedwa za chilema chachikulu.
Kodi kulemala kwakukulu ndi kotani?
Timalankhula za kulemala kwakukulu pakakhala a kulemala kwakukulu kugwira ntchito. Limanenanso za pamene munthu sangathe kudzisamalira.
Zimamveka kuti ndi chilema chamuyaya, munthuyo sangathe kugwira ntchito ndipo ngati ali wolumala kwathunthu, ndiye kuti sangathe kuchita ntchito yamtundu uliwonse. Kulemala kwakukulu Zimaphatikizira zowonjezereka, chifukwa zikutanthauza kuti munthu amene akufunsidwayo sangathe kugwira ntchito yamtundu uliwonse komanso amafunikanso kuti wina amuthandize kuchita zofunikira pamoyo watsiku ndi tsiku.
Ndiye chilema chachikulu chikazindikiridwa, Wokhudzidwayo atha kutola penshoni yake yofananira ndi chilema chake chokhazikika, limodzi ndi ndalama zowonjezera kuti athe kulipira munthu amene akumuthandiza ndi kumusamalira.
Zofunikira kuti muzindikiridwe pansi pa kulemala kwakukulu
Munthu akavutika ndi matenda kapena wachita ngozi, onse pantchito komanso osagwira ntchito, zomwe zimamupangitsa kuti asagwire ntchito komanso azitha kudzisamalira pantchito zake za tsiku ndi tsiku, monga kuphika, kusamba kapena kugula, onetsani zabwino zothandizirazi.
Kuti tizindikiridwe kuti ndife olumala kwambiri, m'pofunika kukwaniritsa zofunikira izi:
- Muli ndi matenda kapena kuvulala zomwe sizikulolani kuti mudzisamalire nokha.
- Pakadali pano kuwonongeka kumawonekera pa munthuyo, ayenera kukhala atakumana ndi Chitetezo chamtundu wapamwamba. Iwo omwe sanalembetsedwe atha kulembetsa kulemala kwakukulu ngati ali kale adalemba zaka 15 zochepa.
- Ndikofunikira kuti mukhale ndi nthawi yochepetsera. Ngati wopemphayo ali wamkulu kuposa zaka 31, ayenera kukhala ndi zaka zosachepera 5 zolembedwa m'kaundula wawo, wazaka izi osachepera chimodzi mwa zisanu ayenera kuti adalembedwa zaka 10 chilema chachikulu chisanachitike. Kumbali inayi, ana azaka zomwe zatchulidwazi ayenera kukwaniritsa nthawi yofananira, pomwe gawo limodzi mwa magawo atatu a nthawi lidadutsa kuyambira zaka 16 kufikira zaka zomwe munthuyo wachita ngozi kapena matenda omwe amatsogolera kwa iye akuwerengedwa. mtundu wa pempho.
- Simuyenera kukhala azaka zapuma pantchito akuwonetsedwa mwalamulo.
Kodi ndindalama zingati zopunduka?
Kuchuluka komwe munthu wolumala wamkulu amalandira Amawerengedwa molingana ndi gawo lazopereka zomwe zalembetsedwa. Ngati munthu yemwe ali ndi chilema chamuyaya ndipo amadziwika kuti ndi wolumala kwambiri, ayenera kulipira 100% ya maziko olumala kuphatikiza kuchuluka kwaulemerero waukulu.
Para kuwerengera chiwerengerocho Zopereka 45% ziyenera kuwonjezeredwa malinga ndi General Regime ndi 30% yamalipiro omaliza pantchitoyo. Penshoni ya olumala yayikulu siyikhala yochepera 45% ya penshoni yomwe imaperekedwa chifukwa cha olumala.
Kuchuluka kwa penshoni ndi kutsimikiziridwa ndi magawo osiyanasiyana monga kugawana pang'ono, kuchuluka kwa zopereka, momwe matenda kapena kuvulala kudachitikira, pakati pa ena. Popeza ndi nkhani yovuta kuyigwira, komanso kuchuluka kwa penshoni kumatha kusiyanasiyana kutengera munthuyo ndi mulandu wake, ndiye kuti ndibwino kupempha thandizo kwa katswiri ngati mukufuna kupeza penshoni yamtunduwu .
Momwe mungadutsire kulemala kwakukulu kuchokera pamtundu wa chilema chokhazikika?
Pempholi liyenera kuperekedwa pamaso pa Ofesi ya INSS zofanana, ngakhale zili pa intaneti ndizotheka kuchita izi, pogwiritsa ntchito satifiketi ya digito.
Pachifukwa ichi, muyenera lembani fomu yofunikira ndi zidziwitso zonse zomwe zimafunikira pamenepo, limodzi ndi chikalata chodziwitsira ndi satifiketi yazachipatala. umboni wazamalipiro atatu omaliza za anthu odzilemba okha ntchito, popeza ndiamene amadwala matenda wamba.
Pakachitika ngozi kapena matenda omwe amapezeka kuntchito, satifiketi kuvomerezeka za kampani yomwe malipiro a chaka chatha amawonetseredwa komanso chaka chomwe ngozi kapena matenda adachitika.
Kuti mupitilize njirayi, Bungwe la Social Security liziunika zolemba zonse ndi momwe adzagwiritsire ntchito, ndipo ikatha kusanthula kofananako, idzanena ngati ikuvomereza kulingalira za kulumala kwakukulu kapena ayi. Ngati sichoncho, wopemphayo atha kupita ndi khothi kuti apeze chisankho motere.
Ngati munthu ali ndi chilema chamuyaya, ndiye kuti zidzakhala zosavuta kuti akhale ndi vuto lalikulu, koma ayenera kuganizira momwe angawapewerere ndikutsatira zofunikira zonse, popeza ndizofunikira kutero kuwonedwa ngati ali ndi chilema chachikulu.
