Kugcine ukubuyekezwa ngo-Ephreli 28, 2023
Nyanga zonke, abantu abasebenza amahora angaphezu kwangama-24 ngenyanga eNingizimu Afrika kudingeka ngokomthetho ukuthi bafake iminikelo eSikhwameni Somshwalense Wabangasebenzi (UIF). Ungase uzibuze ukuthi ungakwazi yini ukufaka isicelo se-UIF uma usuthatha umhlalaphansi.
I-UIF izonikeza usizo lwezezimali lwesikhashana kulabo abanikelayo uma kwenzeka benqanyulwa emsebenzini noma kufanele bathathe ikhefu emsebenzini.
I-UIF ihlinzeka ngemihlomulo kubantu abalahlekelwe yimisebenzi bengazithandi. Yingakho ungeke ukwazi ukufaka isicelo esikhwameni uma ukhetha ukusula, ukumiswa noma ukuxoshwa emsebenzini. Awukwazi futhi ukufuna izinzuzo ku-UIF uma unqanyulelwe umsebenzi wokukhwabanisa.
Uma uthatha umhlalaphansi, ungase uthole izinzuzo kwi-retirement fund noma i-annuity. Nokho, ngeke uthole izinzuzo ezivela ku-UIF. Uma ungakaze ufune isikhwama, kungenxa yokuthi ubungafaneleki ukuthola izinzuzo noma ukhethe ukungasifaki isicelo sezinzuzo lapho kungenzeka ukuthi ubufaneleka ukuthola izinzuzo.
Nyanga zonke ufaka u-1% womholo wakho wanyanga zonke ku-UIF. Le mali idonswa emholweni wakho. Umqashi wakho naye kudingeka ukuthi anikele ngo-1% esikhwameni.
Okuqukethwe
Ubani ongafaka isicelo semihlomulo ye-UIF Yomhlalaphansi?
- Ungafaka isicelo semihlomulo yomhlalaphansi uma usuthathe umhlalaphansi emsebenzini futhi ungeke usafuna omunye umsebenzi. Awukwazi ukufaka isicelo uma uthathe umhlalaphansi ngaphambi kwesikhathi.
- Ungafaka isicelo semihlomulo yomhlalaphansi uma ungowaseNingizimu Afrika futhi unomazisi onebhakhodi.
Ngingalindela ukuthola malini?
- Lesi sikhwama sikhokha u-38% - 58 % womholo wakho wonke, olingana nomholo ophelele wezi-R14 872.00.
- Izinkokhelo zibalwa 'njengamakhredithi', futhi amakhredithi abalwa ngokusekelwe ezinyangeni zakho zokugcina ezingu-48 zokusebenza.
- Ungafaka isicelo kuze kube yizinsuku ezingama-238 zilandelana, kuye ngenani lamakhredithi owaqongelele ohlelweni kulezi zinyanga ezingama-48 ezedlule.
Ngingafaka nini isicelo?
- Ungafaka isimangalo ngokushesha nje lapho ukuthatha kwakho umhlalaphansi kuqala ukusebenza.
- KUMELE ufake isicelo zingakapheli izinyanga eziyisi-6 kusukela ngosuku lokuthatha umhlalaphansi, inqobo nje uma unamakhredithi anele ohlelweni ukwenza kanjalo.
Ngabe izicelo ze-UIF zithatha isikhathi esingakanani ukuthi zicutshungulwe?
- Kuncike ekutheni amarekhodi akho omsebenzi asesikhathini ohlelweni loMnyango ezinyangeni ezingama-48 ezedlule, isicelo sokuthatha umhlalaphansi sithatha isilinganiso samasonto ama-4-6 ukuthi sicutshungulwe. Ukuze isicelo sakho sicutshungulwe ngokushesha nangempumelelo nguMnyango Wezabasebenzi, kubalulekile ukwenza isiqiniseko sokuthi wonke amarekhodi akho okuqashwa ahambisana nesistimu yawo. Amarekhodi angaphelele azodala ukubambezeleka, futhi kuzodingeka ukuthi uxhumane nabaqashi, okwedlule namanje uma lokhu kungaphelele.
Ngizoyithola kanjani imali yami?
- Lapho ufaka isicelo, uzocelwa ukuba unikeze ubufakazi bemininingwane yasebhange. Le mininingwane ibe isibhaliswa ohlelweni loMnyango, futhi bazokhokha izinzuzo zakho ngqo ku-akhawunti yakho yasebhange.
- UMnyango uthatha ngokwesilinganiso izinsuku ezingu-7-10 ukucubungula ifomu lokuqhubeka nokwenza inkokhelo, ngakho izinkokhelo zakho ngeke kudingeke ukuthi zitholwe ngosuku olufanayo njalo ngenyanga.