Kulesi sihloko uzokwazi ngendlela enembe kakhulu futhi enemininingwane izinyathelo noma izidingo eziyisibopho ukuthi uthintane Gcina izimali we-Ecuadorian Social Security Institute (IESS) kusukela ekunethezekeni kwekhaya lakho noma ihhovisi. Le nqubo idlulele kakhulu njengoba izonikeza ulwazi olwengeziwe futhi, ngaphezu kwakho konke, nosizo lwemali.
Gcina izimali
Yini Gcina izimali? I-Los Gcina izimali zicatshangelwa izikhundla zomsebenzi ezingosonhlamvukazi, eziqoqwa isisebenzi ngasinye esimweni sokuncika iminyaka eminingi.
Ekuqaleni yayidalelwe ukunikeza isisebenzi ifa eliyimali lapho ethatha umhlalaphansi. Umqondo wawuwukuthola isiko lemali esindisa abasebenzi uma kwenzeka kwenzeka esikhathini esizayo. Ngakho-ke, lokhu kuhlanganisa ukufaka imali ethile eholweni lakho lanyanga zonke. Umqashi wayefake imali ku-IESS futhi ekuqaleni akakwazanga ukuyisebenzisa noma ukuyikhipha. Lapho ubudlelwano bomsebenzi nomqashi buphela, isisebenzi sizokhokhelwa, kungakhathaliseki ukuthi ubudlelwano abunqanyulwanga ngenxa yomqashi.
Ekuqaleni, isisebenzi sasicabanga ukuthi kuyindlela yokonga ukuze esikhathini esizayo sibe nezindlela zokuqala ibhizinisi, ukuthola impahla noma ukuhlanganyela emisebenzini yezomnotho jikelele, okwenza isisebenzi sikwazi. Ukutholakala kwayo kuvumela ukuthi isetshenziselwe ukuthola izindawo zokuhlala zemindeni noma amapulazi, ukucisha izintela kuwo noma ukuhoxiswa phakathi nesikhathi esithile, njalo eminyakeni emithathu (3). Namuhla, labo abanganqumi ukonga ku-IESS bangathola inani elifana no-8,33% lomnikelo kanye neholo noma isinxephezelo.
Izimali ezigciniwe ze-IESS ziqala nini ukukhokhwa?
Ngokusho kwe- I-IESS Reserve Funds wekhasi, lapho isisebenzi sisebenze enkampanini efanayo unyaka othile, siqala ukukhokha inani lemali elihambisanayo. Lolu hlelo lusebenza nasezinkampanini, ezimbonini, njll.
Uma isisebenzi esifanayo singakhokhi izimali ze-IESS ngesikhathi, okungukuthi, phakathi kwezinsuku eziyishumi nanhlanu (15) zokuqala futhi izimali ziqongelela, izinhlawulo kanye nenani elikhulu lezindleko ezengeziwe zizotholwa, okuzokhula ngokuhamba kwesikhathi. isimo sezulu.
Abasebenzi be-IESS bangakhetha izinkokhelo eziqondile zanyanga zonke kanye nomholo wabo emalini abayigcinile. Uma izisebenzi zingazisi futhi zingakuphathi ngendlela efanele ukuqoqwa kwazo, le ndlela yokukhokha izokwamukelwa.
Ungasebenzisa futhi uhlelo lwekhompyutha lwe-IESS ukuze ucele ukungasebenzisi iholo lakho lenyanga ngokuqondile ukuze ukhokhele isikhwama esibekiwe, kodwa ucele umqashi wakho ukuthi asifake kwa-IESS nyanga zonke. Ukwenza lokhu, kufanele unikeze umqashi wakho ikhophi ephrintiwe yekhasi le-IESS lesicelo sakho. Ndawonye, ithebula leminikelo lanyanga zonke lizothunyelwa.
Uma ubudlelwano bokuqashwa buphela ngaphambi kokuphelelwa yisikhathi kwezinyanga eziyi-13, umsebenzi ngeke abe nelungelo lokukhokhelwa leyo ndawo. Kodwa-ke, uma ubuyela emsebenzini nomqashi ofanayo, isikhathi sesevisi yangaphambilini sizokwengezwa esikhathini samanje sesevisi, ngemva konyaka owodwa, ungaqala ukuthola izinkokhelo ezihambisana ne- I-IESS Reserve Funds.
Ibalwa Kanjani Imali Ekhokhwayo Yesikhwama Sokulondoloza?
Inani elihambisana nendawo ebekiwe lilingana no-8,33% wesamba somholo wanyanga zonke, kanye nemisebenzi ehambisanayo nekhethekile, amakhomishini, ama-piecework, ukusatshalaliswa kwenzuzo kanye nanoma iyiphi enye imali engenayo noma izinsizakalo ezibhekwa njengejwayelekile embonini.
Izindleko zokuhamba, inzuzo, izinkokhelo zeshumi nantathu neshumi nane, uxhaso lwezikhathi ezithile kanye nezimpahla ezihlobene nomthetho wenyunyana ngeke kucatshangelwe.
Ungathintana Kanjani Ngokufanelekile Nezimali Zokugcinwa Kwe-IESS Ku-inthanethi?
Le ngxenye izokhombisa izinyathelo zokuthintana ne-akhawunti ngayinye ye- Gcina izimali futhi kulula kakhulu, kuyashesha futhi kulula ukuphatha. Lezi zinyathelo zimi kanje:
- Faka iwebhusayithi ye-Ecuadorian Institute of Social Security (IESS), okungukuthi https://www.iess.gob.ec/
- Maphakathi nekhasi kunesigaba esithi "Izinkonzo Ze-inthanethi" futhi lapho sichofoza inketho ethi "Okumshuwalense".
- Ekhasini elilandelayo elibonisa ukuthi sikhetha "Ama-Affiliates".
- Kamuva izobayisa kwelinye iwindi lapho izinkonzo ze-IESS zizobhekwa khona futhi inketho kufanele iseshwe Gcina izimali, ncamashi itholakala kumugqa wesine, ikholomu yesibili futhi sichofoza kuyo.
- Izovula iwindi elisha lapho kufanele ufake khona "Igama lomsebenzisi nephasiwedi" bese uchofoza inkinobho ethi "Faka".
- Kule ngxenye sebevele bafaka uhlelo futhi ukuze baqedele inqubo kumele bakhethe inketho ethi "Consult Individual Account".
Ucelwa Nini Ukubuyiswa Kwesamba Semali Yesikhwama Esigciniwe?
Amalungu e-IESS akhethe ukuqongelela izimali zawo ezigciniwe angase acele imbuyiselo ephelele kulezi zimo ezilandelayo:
- Iminikelo engaphezu kuka-36. Kulokhu, i-IESS kufanele ibuyisele u-100% wemali engenayo efanayo, kanye nenzalo etholiwe.
- Kungakhathaliseki ukuthi uqongelela izinyanga ezingaki, izisebenzi zokwakha kumelwe zibuyisele iminikelo yazo eyabelwe.
- Lapho efinyelela iminyaka yobudala yokuthatha umhlalaphansi, amalungu anelungelo lokukhokha zonke izimali zobulungu kanye nenzalo etholiwe. Akusho lutho ukuthi usuwenzile umnikelo omncane ukuze ukwazi ukuthatha umhlalaphansi.
Isikhathi sokufaka amakhredithi sokubhukha okuvela ezikhungweni ezisebenzisana naye izinsuku zebhizinisi ezi-3 kusukela ngedethi yokufaka isicelo.
Izidingo Zokwenza Isicelo Sokubuyiswa Kwezikhwama Ezigciniwe
Manje, kulesi sigaba sizochaza ukuthi yiziphi izidingo ezidingekayo ukuze ukwazi ukuthola imbuyiselo ye-IESS Reserve Funds. Kubalulekile ukuthi uhambisane nenye ngayinye ukuze uzuze ngempumelelo imbuyiselo eshiwo.
- Yiba khona njengelungu elisebenzayo futhi ube neminikelo yanyanga zonke engamashumi amathathu nesithupha (36) noma ngaphezulu.
- Linda izinyanga ezimbili (2) ngemuva kokuthi umsebenzi uphelile (lokhu kusebenza kumalungu anqamula ubudlelwano bawo bokuqashwa futhi ahlangabezane nenani elincane lomnikelo elidingekayo)
- Iba ne-akhawunti yasebhange evumelekile (ye-Ecuadorian) futhi ibhalisiwe futhi yaqinisekiswa ne-Ecuadorian Social Security Agency (IESS).
- Thola iphasiwedi yomuntu siqu ye-IESS. (Lokhu kuyadingeka kuwo womabili amalungu asebenzayo nangasebenzi).
Uma ilungu lishona, imibhalo elandelayo kufanele yethulwe:
- Isitifiketi sokufa sangempela.
- Ikhophi yekhadi kamazisi yelungu elishonile.
- Isitifiketi somshado sangempela.
- Amakhophi kamazisi amakhadi omlingani womshado nezingane (kungakhathaliseki ukuthi abadala noma izingane).
- Izitifiketi zasebhange zabo bonke abahlomulayo. Ubunikazi obusemthethweni noma ikhophi eqinisekisiwe.
Ungasifaka kuphi isicelo se-Reserve Fund?
Bangakwenza ngokusebenzisa iwebhusayithi ye-Ecuadorian Institute of Social Security (IESS), amalungu asebenzayo nangasebenzi ukuze afake izicelo Reserve Funds.
Le nkonzo izohlinzekwa ngamahora angama-24 ngosuku, izinsuku ezingama-365 ngonyaka. Emkhandlwini ngamunye wesifundazwe, ngokuxhumanisa izimpesheni zesifundazwe, ubungozi bomsebenzi, umshwalense wokungasebenzi kanye nezikhwama zezinkampani zangaphandle, izinsiza zihlinzekwa kumalungu angasekho. Kulokhu, inqubo kufanele yenziwe ngumzuzi.
Uma unemibuzo noma izinkathazo mayelana nokubhukha, labo abanentshisekelo bangabhalela ekhelini le-imeyili elilandelayo atencionalusuario@iess.gob.ec, noma bangathinta umnyango wesevisi yabasebenzisi be-Ecuadorian Social Security Institute (IESS) ezingeni le-Nacional.
https://www.youtube.com/watch?v=mkEHf4dSW5U&feature=emb_title
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