Inde ndipo ayi! Lamulo lalikulu ndiloti wolemba ntchito sakakamizidwa kupereka ndondomeko ya penshoni kwa antchito. Kuphatikiza apo, kwenikweni, ogwira ntchito sakakamizidwa kutenga nawo gawo mu ndondomeko ya penshoni yoperekedwa ndi abwana.
M'zochita, komabe, pali zochitika zambiri zomwe lamulo lalikulu ili silikugwira ntchito, kusiya abwana opanda chosankha chokhudza kupereka kapena kusapereka ndondomeko ya penshoni. Komanso, olemba ntchito sangakonze nthawi zonse kapena kusintha ndondomeko ya penshoni momwe angafunire. Ndikofunika kukhala otsimikiza pa izi.
Ndi nthawi ziti zomwe pulogalamu ya penshoni ndiyofunikira?
- Kwa umembala wokakamizidwa mu an thumba la penshoni la mafakitale;
- Udindo pansi pa a mgwirizano wapagulu; Kuletsa chifukwa Bungwe la Works Council'ufulu wa chilolezo;
- Pankhani yomwe inalipo kale mgwirizano wokhazikitsa;
- Kutsata kuperekedwa mwalamulo mu Pensions Act.
Kukakamizika kutenga nawo gawo mu thumba la penshoni lamakampani
Kampani ikagwa pansi pa thumba la pension fund, chotsatira chake ndi chakuti wolemba ntchito amakakamizika kupereka ndondomeko ya penshoni ya thumba la penshoni ndikulembetsa wogwira ntchitoyo ndi thumbali. Ngati bwana molakwika salowa nawo thumba la penshoni lamakampani, izi zitha kukhala ndi zotsatirapo zake zachuma kwa iye ndi antchito ake. Komanso, olemba anzawo ntchito ayenera kulowa nawo pambuyo pake ndikulembetsanso antchitowo. Izi zikutanthauza kuti ndalama zonse za penshoni zomwe zachedwa kwambiri ziyenera kulipidwa. Nthawi zina kukhululukidwa kumakhala kotheka, koma izi zimasiyana malinga ndi makampani, ndikofunikira kufufuza izi mosamala. Mutha kuyang'ana ngati bizinesi yanu ili ndi imodzi mwazofunikira zomwe zafotokozedwa pa uitvoeringarbeidsvoorwaardenwetgeving.nl.
Ogwira ntchito ambiri aku Dutch amakakamizidwa kuti agwirizane ndi imodzi mwa ndalama zapenshoni zamakampani opitilira 50. Ndalama zodziwika bwino za penshoni zamakampani ndi ABP (za boma ndi maphunziro), PFZW (zaumoyo ndi thanzi), BPF Bouw, ndi Metal and Technology Pension Fund.
Maudindo a penshoni potengera mgwirizano wamagulu
Mgwirizano wamagulu ukhoza kukhala ndi zofunikira ndi zofunikira zomwe ndondomeko ya penshoni iyenera kutsata kapena ikhoza kulamula kuti wopereka penshoni ayenera kuikidwa. Zopereka za CBA pa penshoni sizingatchulidwe kuti ndizofunikira. Izi zikutanthauza kuti, kwenikweni, olemba anzawo ntchito ndi antchito osagwirizana samangidwa nawo. Komabe, ndikofunikira nthawi zonse kufufuza ngati olemba anzawo ntchito ndi ogwira nawo ntchito angagwere mkati mwa thumba la penshoni lamakampani.
Zoletsedwa kwa olemba ntchito chifukwa cha ufulu wa chilolezo cha bungwe la ntchito
Zomwe zimatchedwa kuti ufulu wachivomerezo cha bungwe la Works Council zimachepetsanso ufulu wa olemba ntchito pa penshoni. Ufulu wachivomerezowu ukulamulidwa mu Gawo 27 la Works Councils Act. Khonsolo yantchito imafunikira ndilamulo ngati kampaniyo ilemba ntchito anthu osachepera 50. Podziwa kuchuluka kwa anthu ogwira ntchito m'bizinesi, palibe kusiyana komwe kungachitike pakati pa omwe amagwira ntchito nthawi zonse ndi omwe amagwira ntchito ganyu. Pansi pa Works Councils Act, wolemba ntchito amayenera kupeza chilolezo cha khonsolo yantchito pachigamulo chilichonse choyambitsa, kusintha kapena kuletsa mgwirizano wa penshoni, mwa zina.
Wolemba ntchitoyo adachita kale mgwirizano wa kayendetsedwe ka kayendetsedwe ka ntchito ndi wothandizira penshoni.
Zikatere, bwana nthawi zonse amakhala ndi udindo wolembetsa antchito atsopano ndi penshoni. Chifukwa chimodzi cha izi ndi chakuti, kwenikweni, woyang'anira penshoni saloledwa kufunsa za thanzi la ogwira ntchito. Tsopano, kuti tipewe kulembetsa antchito okha omwe ali ndi thanzi labwino, woyang'anira penshoni amafuna kuti antchito onse - kapena gulu la antchito - alembetsedwe.
Kuletsa chifukwa cha malamulo a Pension Act
Olemba ntchito akuyenera kudziwitsa wantchito watsopano mwa kulemba pasanathe mwezi umodzi atalowa nawo ngati angatenge nawo gawo pa penshoni kapena ayi. Ngati wogwira ntchitoyo ali m'gulu lomwelo la antchito omwe akutenga nawo gawo mu ndondomeko ya penshoni, wogwira ntchito watsopanoyo ayambanso kuchita nawo ndondomeko ya penshoni. M'malo mwake, izi zimatchulidwa kale mu mgwirizano wantchito woperekedwa.
Zopereka za ogwira ntchito
Kodi ndondomeko ya penshoni yokakamiza imakhudza olemba ntchito? Ngati ndi choncho, chiwembu chimenecho kapena mgwirizano wamagulu onse udzanena zomwe antchito angapereke. Zindikirani! Ndalama za penshoni zimachotsedwa. Gawo la abwana pa zopereka za penshoni za antchito zimawerengedwa ngati ndalama zogwirira ntchito. Olemba ntchito atha kuchotsa ndalamazo pa phindu. Zotsatira zake, mumalipira msonkho wocheperako.
Ntchito yosamalira olemba ntchito
Zambiri zokhudzana ndi penshoni zimapita kwa wothandizira penshoni (thumba la penshoni kapena inshuwaransi ya penshoni). Koma bwana ayeneranso kudziwitsa antchito za zinthu zina. Izi zimatchedwa ntchito ya chisamaliro. Thumba la penshoni kapena inshuwaransi ya penshoni nthawi zambiri imatha kuthandiza pa izi. Olemba ntchito ayenera kudziwitsa antchito za penshoni yawo:
- Kumayambiriro kwa ntchito. Olemba ntchito amawauza za penshoni ndi ndalama za penshoni zomwe ayenera kudzilipira okha. Ndipo ngati kusuntha kwamtengo kuli kotheka. Wogwira ntchito watsopano amaika penshoni yomwe wapeza kale mu ndondomeko ya penshoni ya owalemba ntchito watsopanoyo.
- Ngati akugwira ntchito kale, mwachitsanzo, za mwayi womanga penshoni yowonjezera.
- Akasiya ntchito, bwanayo amauza bwanayo kuti ndondomeko ya penshoni ipitirire ngati wogwira ntchitoyo ayambe bizinesi yakeyake. Kuonjezera apo, olemba ntchito akuyenera kudziwitsa wogwira ntchitoyo za kusamutsidwa kwa ndalama za penshoni ku ndondomeko ya penshoni ya owalemba ntchito watsopanoyo.
Kodi wogwira ntchito angakane penshoni?
Nthawi zambiri, zimakhala zosatheka kusachita nawo pulogalamu ya penshoni. Ngati penshoni yamakampani kapena kutengapo gawo kwa penshoni zikufotokozedwa mu mgwirizano wapagulu, wogwira ntchitoyo sangatulukemo. Ngati bwana wapanga mgwirizano ndi inshuwaransi ya penshoni, nthawi zambiri pamakhala mgwirizano kuti antchito onse azichita nawo. Monga wantchito, mungadzifunsenso ngati kuli kwanzeru kusatenga nawo mbali. Kupatula zopereka zanu mokakamiza ku thumba la penshoni, abwana anu amathandiziranso gawo lina. Komanso, ndalama zapenshoni zimachokera kumalipiro onse, pomwe ziyenera kubwera kuchokera kumalipiro anu mukayamba kudzipulumutsa.
Omangidwa
Munthu amene amakana usilikali chifukwa cha zimene amakhulupirira ndi munthu amene safuna kutenga inshuwalansi chifukwa cha zimene amakhulupirira. Izi zimakhudza penshoni. Ayenera kukhala ndi nthawi yovomerezeka kuchokera ku Social Insurance Bank (SVB). Kufunsira kukhululukidwa koteroko ndikovuta kwambiri, chifukwa kukhululukidwa kumagwira ntchito ku inshuwaransi yonse. Mudzachotsedwanso kulembetsa ku AOW ndi WW, ndipo simungapezenso inshuwaransi yazaumoyo. Choncho musalembetse kuti ndinu munthu wokana kulowa usilikali chifukwa cha zimene amakhulupirira kuti mungopeza ndalama zapenshoni. Ngati mulandira kuzindikirika kuchokera ku SVB, simukhala otsika mtengo. M'malo mosinthana ndi inshuwaransi, wokana kulowa usilikali chifukwa cha chikumbumtima amalipira ndalama zolipirira ndalama zina. Ndalamayi imaperekedwa kudzera muakaunti yosungira yotsegulidwa mwapadera ndi chiwongola dzanja. Amalandira izi pang'onopang'ono pofika zaka zopuma pantchito mpaka mphika utatha.
Olemba ntchito sangasinthe ndondomeko ya penshoni nthawi yomweyo.
Ndondomeko ya penshoni ndi chikhalidwe cha ntchito, ndipo olemba ntchito saloledwa kusintha momwemo. Izi zimaloledwa kokha ndi chilolezo cha ogwira ntchito. Nthawi zina ndondomeko ya penshoni kapena mgwirizano wamagulu umanena kuti kusintha unilateral n'kotheka. Koma izi zimangololedwa pazovuta kwambiri, monga ngati kampaniyo ili pachiwopsezo chosowa ndalama kapena chifukwa malamulo kapena mgwirizano wapantchito ukusintha. Wolemba ntchitoyo ayenera kudziwitsa antchito ake za kusintha.
Ngati chiwembu chikugwiritsidwa ntchito mkati mwa kampani, ndichokakamiza pafupifupi nthawi zonse. Ngati penshoni yodzifunira iperekedwa, chinsinsi ndikuwonetsetsa kuti aliyense akutenga nawo mbali. Kodi muli ndi mafunso mutawerenga blog yathu? Khalani omasuka kukhudzana ife; maloya athu adzalankhula nanu mosangalala ndikukupatsani upangiri woyenera.
