Zotsatsa
Penshoni yapadera ya Instituto Nacional do Seguro Social (INSS) ndi phindu loperekedwa kwa ogwira ntchito omwe amachita ntchito zokumana ndi zinthu zowopsa pa thanzi. Choncho, mu 2024, malamulo atsopano anakhazikitsidwa kuti agwirizane phinduli ndi zosowa ndi mikhalidwe yamakono ya ntchito.
Komabe, nkhaniyi ikufotokoza mwatsatanetsatane zosinthazi komanso zomwe ogwira ntchito ayenera kudziwa kuti apindule ndi penshoni yapaderayi.
Zotsatsa
Kodi Penshoni Yapadera Ndi Chiyani?
Penshoni yapadera ndi phindu la zachitetezo cha anthu loperekedwa kwa ogwira ntchito omwe amagwira ntchito m’mikhalidwe yomwe imawononga thanzi kapena kukhulupirika kwa thupi.
Kuphatikizanso, kusiyana kwakukulu kwa mtundu uwu wa penshoni ndi kuchepetsedwa kwa nthawi ya zopereka zofunika kuti munthu apemphe phinduli, poyerekezera ndi penshoni wamba.
Mwachikhalidwe, nthawi zopereka zofunika pa penshoni yapadera zimasiyana pakati pa zaka 15, 20 ndi 25, kutengera mlingo wa chiwopsezo cha ntchito yomwe ikuchitika. Komabe, ndi malamulo atsopano a 2024, zosintha zina zazikulu zinayambitsidwa.
Malamulo Atsopano a 2024
Malangizo atsopano a kupuma pantchito kwapadera akufuna kusintha dongosolo la chitetezo cha anthu komanso kulipangitsa kukhala lokhazikika kwambiri. Zosintha zazikulu zikuphatikizapo:
Zaka Zochepa
Chimodzi mwa zosintha zazikulu kwambiri ndi kukhazikitsidwa kwa zaka zochepa kuti munthu apatsidwe phindu. Poyamba, ogwira ntchito ankatha kupuma pantchito potengera nthawi yokha yomwe adapereka ndalama. Komabe, tsopano, kuwonjezera pa kukwaniritsa nthawi yopereka ndalama, ndikofunikira kufikira zaka zochepa:
- Zaka 55 pa ntchito zoika pachiwopsezo chachikulu.
- Zaka 58 pa ntchito zoika pachiwopsezo chapakatikati.
- Zaka 60 pa ntchito zoika pachiwopsezo chochepa.
Kusintha Nthawi Yapadera Kukhala Nthawi Yamba
Kusintha kwina kofunikira ndi lamulo lokhudza kusintha nthawi yapadera kukhala nthawi yamba. Poyamba, ogwira ntchito ankatha kusintha nthawi yomwe adagwira ntchito zapadera kuti awonjezere nthawi yopereka ndalama pa ntchito wamba.
Malinga ndi malamulo atsopano, kusinthaku kwachepetsedwa, zomwe zapangitsa kuti ntchitoyi ikhale yolimba kwambiri.
Zolemba ndi Umboni
Chofunikira cha zolemba zotsimikizira kukhudzidwa ndi zinthu zoopsa nachonso chakhala chokhwima kwambiri.
Choncho, ogwira ntchito ayenera kupereka zikalata monga Mbiri ya Ntchito ndi Zopereka pa Chitetezo cha Anthu (PPP) ndi Lipoti la Katswiri la Mikhalidwe ya Chilengedwe cha Ntchito (LTCAT). Zikalatazi ziyenera kukhala zosinthidwa ndipo zifotokoze momveka bwino mikhalidwe ya ntchito.
Kuwunikanso Ntchito Zomwe Zimatengedwa Kuti Ndi Zapadera
INSS yawunikanso ntchito zomwe zimatengedwa kuti ndi zapadera. Komabe, ntchito zina zomwe kale zinkayenerera penshoni yapadera mwina sizingayenererenso, pamene zina zawonjezedwa pamndandandawo.
Kuwunikansoku kukufuna kugwirizanitsa mndandandawo ndi mikhalidwe ya ntchito ndi zoopsa zomwe zikugwirizana nazo masiku ano.
Mmene Mungapemphere Pensionala Yapadera
Kuti apemphe penshoni yapadera, ogwira ntchito ayenera kutsatira ndondomeko inayake:
Zotsatsa
- Kusinthidwa kwa Zikalata: Onetsetsani kuti zikalata zonse zofunika, monga PPP ndi LTCAT, zasinthidwa ndipo ndi zolondola.
- Kupereka Pempho ku INSS: Perekani pempho la phindu kudzera pa tsamba la Meu INSS kapena ku nthambi ya INSS.
- Kutsatira Ndondomekoyi: Mukapempha, muzitsatira ndondomekoyi pafupipafupi kudzera pa tsamba la Meu INSS kapena pa foni ya 135.
Zotsatira za Malamulo Atsopano: Pensionala Yapadera
Kusintha kwa malamulo a penshoni yapadera kukufuna kuonetsetsa kukhazikika kwa dongosolo la chitetezo cha anthu komanso kusintha mapindu kuti agwirizane ndi zenizeni za msika wa ntchito wamakono.
Komabe, kusinthaku kukubweretsanso zovuta zatsopano kwa ogwira ntchito omwe, kuwonjezera pa kukwaniritsa nthawi yolipira zopereka, tsopano akuyenera kutsatira zofunikira zokhwima kwambiri za zaka zochepa komanso zikalata.
Penshoni Yapadera: INSS
Penshoni yapadera ya Instituto Nacional do Seguro Social (INSS) ndi phindu loperekedwa kwa ogwira ntchito omwe amagwira ntchito m’malo okhudzidwa ndi zinthu zoopsa pa thanzi.
Kuphatikiza apo, mu 2024, akuluakulu adayambitsa malamulo atsopano kuti asinthe phinduli kuti ligwirizane ndi zosowa ndi mikhalidwe ya ntchito yamakono. Nkhaniyi ikufotokoza mwatsatanetsatane zosinthazo komanso zomwe ogwira ntchito akuyenera kudziwa kuti apindule ndi penshoni imeneyi.
Chithunzi: Kubwerezedwanso/Intaneti.
