Kungakhathaliseki ukuba impilo engummangaliso esingenayo, zonke izifo ezifanayo zisifumana. Kwaye kunye nabo, nokutyelela oogqirha, kunye nokubhaliswa kwamakhadi esibhedlele. Ngendlela, uyazi ukuhlawula ikhefu lokugula kwaye bonke banelungelo lokufumana?
Ziziphi iimeko ikhefu lokugula elikhutshwayo?
Bonke abemi be-insured banelungelo lokufumana izibonelelo zokukhubazeka kwexeshana phambi kwephepha lokushiya lokugula. Ukuba umntu usebenza ixesha elide kwiinkampani ezingaphezu kweyodwa, unelungelo lokuzithumela kuzo zonke iindawo zokusebenzela. Xa ubhalisa iphepha lokugula lokushiya, kufuneka uchaze leli nqaku. Ukufumana iphepha lokushiya lokugula kunye nentlawulo yalo, abasebenzi banelungelo loku:
- isifo;
- ukulimala okubangelwa ukulahlekelwa ngumsebenzi;
- ukugula kwelungu losapho elinomdla wokumnakekela;
- ingozi okanye isifo sobugcisa.
Umgaqo wokubala isibonelelo sokukhubazeka okwethutyana emsebenzini
- Xa kubalwa inani leenzuzo ezithathwe kwi-akhawunti yemivuzo yomsebenzi kwiminyaka emi-2 edlulileyo kunye nobude benkonzo yomqeshwa.
- Ngamava emisebenzi engaphezu kweminyaka eyi-8, ukubalwa kuthatha ingqalelo umvuzo we-100%.
- Kwimeko yama-5-8 kweminyaka-80%.
- Kwamava angaphantsi kweminyaka emi-5 - 60%.
Ukuba amava angaphantsi kweenyanga ezi-6, ke umvuzo omncinci usetyenziselwa ukubala.
Le mithetho iyasebenza kwiRashiya. Abameli bezomthetho baseUkraine bathathe i-innovations ngo-2012, ngenxa yokuba abantu abanamava angaphezu kweminyaka eyi-8 baya kufumana isinxephezelo se-100% semali yekhefu yokugula, kodwa abo bangasayi kuwela le mingcele, omnye kufuneka athembele kwi-80% yomvuzo. Kukho negalelo elilungileyo kule - 80% iya kufumana abo abaneminyaka engaphantsi kwe-8 yamava omsebenzi kunye nabangasebenzanga unyaka. Inyani, iintsuku ezi-5 kuphela zokugula ziya kuhlawulwa, bonke abanye - ngeendleko zomqeshwa. E-Russia kule nto yonke into iyafana, iintsuku ezi-3 zokuqala zihlawulwa li shishini, lonke ixesha le-FSS, kodwa i-legislators isongela ngokutshintshwa kwekhefu lokugula. Ngexesha baza kuguqula umyalelo wokuhlawula, kodwa ngubani owaziyo naziphi ezinye iinkalo abafuna ukuzenza.
Ziziphi iimeko apho ikhefu liya kugqalwa?
Kukho iimeko ezichazwe ngumthetho, phantsi kwazo uluhlu olugulayo aluhlawulwa okanye aluyi kuhlawulwa ngokupheleleyo.
EUkraine, ngenxa yamatyala alandelayo, umqeshwa unqatshelwe ilungelo lokuhlawula isitifiketi sokugula, eRashiya ikhefu lokugula liya kuhlawulwa, kodwa isixa semali sinokuncitshiswa:
- kwisiganeko sokukhubazeka okubangelwa utywala, inetyhefu, ukuxhatshazwa ngamachiza okanye izenzo ezinxulumene nokuxhatshazwa;
- ukuba umyalelo wonyango uphulwa ngaphandle kwesizathu esihle;
- ukungena kwigqirha ngexesha elivunyelweneyo.
Kwamazwe amabini, ikhefu lokugula aliyi kuhlawulwa ukuba:
- Umqeshwa uhlala eholide ngeendleko zakhe ngexesha lokugula;
- Umqeshwa unyanzelekile unyango, owamiselwa isigqibo senkundla, ngelixa eboshwe kunye noviwo lwezempilo lwezempilo.
Imigaqo yokuhlawulwa kwekhefu lokugula
Bobabini eRashiya, kwaye e-Ukraine, iphepha lokushiya eligulayo kufuneka lihlawulwe ngexesha lokukhishwa kwemivuzo, eyenzeka emva kokuba umqeshwa athumele iphepha lokushiya lokugula.
Ukubhaliswa kwekhefu lokugula
Kufanelekile ukukhumbula ukuba uluhlu olugulayo aluvunywanga ukuba lukhutshwe ngokungalunganga, ngoko ke uhlawule ingqalelo ekhethekileyo kuyo. Khumbula ukuba ukuba kukho izilungiso ezingaphezulu kwezi-2, uluhlu lwezonyango lubonwa njengengavumelekile. Kwaye enye ingongoma ebalulekileyo - ishidi lesibhedlele alichazi ngokuxilongwa. Le mithetho iyasebenza kokubili eRashiya nase-Ukraine.