Yakagadziridzwa Kuwedzeredzwa muna Kubvumbi 28, 2023
Mwedzi wega wega, vanhu vanoshanda kwemaawa anopfuura makumi maviri nemana pamwedzi muSouth Africa vanosungirwa nemutemo kuti vape mari kuhomwe yeUnemployment Insurance Fund (UIF). Unogona kunge uchinetseka kana uchikwanisa kutora UIF nekurega.
UIF ichapa rubatsiro rwemari kwenguva pfupi kune vanoipa vayo kana vakadzingwa pabasa kana kuti vabva kubasa.
UIF inopa pundutso kune vanhu vakarasikirwa nemabasa. Ndicho chikonzero nei usingakwanise kutora kubva kuhomwe kana ukasarudza kusiya basa, kumiswa kana kutizwa pabasa. Iwe haugone zvakare kutora mabhenefiti kubva kuUIF kana iwe wakagumiswa kuita zvehutsotsi.
Kana ukaenda pamudyandigere, unogona kuwana mabhenefiti kubva kune retirement fund kana annuity. Nekudaro, iwe haugamuchire mabhenefiti kubva kuUIF. Kana usina kumbotora kubva muhomwe, zvichida nokuti iwe hauna kukodzera kubatsirwa kana kuti wakasarudza kusakumbira rubatsiro apo iwe unogona kunge wakakodzera kubatsirwa.
Mwedzi wega wega unopa 1% yemuhoro wako wepamwedzi kuUIF. Mari iyi inobviswa pamuhoro wako. Waunoshandira anofanirwawo kupa 1% kuhomwe.
Zviri Mukati
Ndiani anogona kutora mabhenefiti eUIF Retirement?
- Unogona kutora mabhenefiti emudyandigere kana wakasiya basa uye usiri kutsvaga rimwe basa. Iwe haugone kubhadharira kana watora nguva yekuenda pamudyandigere.
- Unogona kutora mabhenefiti emudyandigere kana uri chizvarwa chekuSouth Africa uye uine chitupa chebhakodhi.
Yakawanda sei yandingatarisira kugamuchira?
- Homwe iyi inobhadhara 38% - 58 % yemuhoro wako wose, wakakwana pamuhoro wesiringi weR14 872.00.
- Kubhadhara kunoverengerwa se'makiredhiti', uye makiredhiti anoverengerwa zvichienderana nemwedzi yako yekupedzisira ye48 yebasa.
- Unogona kutora kusvika kumazuva mazana maviri nemakumi matatu nemasere akatevedzana, zvichienderana nehuwandu hwezvikwereti zvawaunganidza pahurongwa mumwedzi makumi mana nemasere yadarika.
Ndingatora rinhi?
- Iwe unogona kuisa chikumbiro nekukurumidza kana pamudyandigere wako watanga kushanda.
- UNOFANIRA kunyorera mukati memwedzi mitanhatu kubva pazuva rekuenda pamudyandigere, chero uine zvikwereti zvakakwana pahurongwa hwekuita kudaro.
Zvichemo zveUIF zvinotora nguva yakadii kuti zvigadziriswe?
- Zvichipa kuti marekodhi ako ebasa anoenderana nehurongwa hweDhipatimendi kwemwedzi makumi mana nemasere yadarika, chikumbiro chekurega basa chinotora paavhareji mavhiki mana kusvika matanhatu kuti agadzirise. Kuti kuda kwako kugadziriswe nekukasira uye nemazvo neDhipatimendi reVashandi, zvakakosha kuve nechokwadi chekuti marekodhi ako ese ebasa anoenderana nehurongwa hwavo. Marekodhi asina kukwana anokonzeresa kunonoka, uye iwe unozodikanwa kubata vashandirwi, zvekare uye zvazvino kana izvi zvisina kukwana.
Ndichawana sei mari yangu?
- Paunenge uchinyorera, unozokumbirwa kuti upe humbowo hwezvekubhengi. Mashoko aya anobva anyoreswa pahurongwa hweDhipatimendi, uye ivo vanobhadhara mabhenefiti ako zvakananga muakaundi yako yekubhangi.
- Dhipatimendi rinotora paavhareji mazuva 7-10 kugadzirisa fomu rekuenderera uye kubhadhara, saka kubhadhara kwako hakuzogamuchirwe pazuva rimwe chete mwedzi wega wega.