Umthetho wempesheni eNetherlands usuyindawo yawo yezomthetho. Kubandakanya yonke imithetho nemithetho yempesheni enikeza imali engena esikhundleni yabasebenzi ngemuva kokuthatha umhlalaphansi. Izibonelo zifaka umthetho othile ocacile njengoMthetho Wezimpesheni, Ukubamba iqhaza Okuphoqelekile Emthethweni Wezezimali Zempesheni Yezimboni ka-2000 noma ukulingana kwamalungelo empesheni kuMthetho Wesehlukaniso. Lo mthetho ukhathaza, phakathi kokunye, imibandela okumele kuhlangatshezwane nayo ukuze ufanelekele ukuthola impesheni, imithetho ephathelene nokuphathwa nokukhokhwa kwamalungelo empesheni ngabahlinzeki bempesheni kanye nezinyathelo zokuvimbela ukwephulwa kwempesheni.

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Umthetho Wempesheni

Umthetho wempesheni eNetherlands usuyindawo yawo yezomthetho. Kubandakanya yonke imithetho nemithetho yempesheni enikeza imali engena esikhundleni yabasebenzi ngemuva kokuthatha umhlalaphansi. Izibonelo zifaka umthetho othile ocacile njengoMthetho Wezimpesheni, Ukubamba iqhaza Okuphoqelekile Emthethweni Wezezimali Zempesheni Yezimboni ka-2000 noma ukulingana kwamalungelo empesheni kuMthetho Wesehlukaniso. Lo mthetho ukhathaza, phakathi kokunye, imibandela okumele kuhlangatshezwane nayo ukuze ufanelekele ukuthola impesheni, imithetho ephathelene nokuphathwa nokukhokhwa kwamalungelo empesheni ngabahlinzeki bempesheni kanye nezinyathelo zokuvimbela ukwephulwa kwempesheni.

Imenyu Esheshayo

Ngaphandle kokuthi umthetho wempesheni uyindawo yawo yezomthetho, futhi unezindawo eziningi zokuxhumana nezinye izindawo zomthetho. Kungakho, ngokwesimo somthetho wempesheni, ngaphezu kwemithetho ethile kanye nemithethonqubo, umthetho jikelele kanye nemithethonqubo emkhakheni womthetho wokuqashwa, isibonelo, nayo iyasebenza. Isibonelo, impesheni yisimo sokusebenza esibalulekile kubasebenzi abaningi, esibekwa phansi futhi kuxoxwe ngaso esivumelwaneni sokuqashwa. Lesi simo ngokwengxenye sinquma imali ekugugeni. Ngaphezu komthetho wokuqashwa, izindawo ezilandelayo zomthetho zingacatshangelwa futhi:

• Umthetho wesikweletu;
• Umthetho wesivumelwano;
• Umthetho wentela;
• Umthetho womshwalense;
• Ukulingana kwamalungelo empesheni uma kwenzeka isehlukaniso.

U-Aylin Selamet

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Imithetho nemithethonqubo eyehlukene ehlangana kumthetho wempesheni bese igqagqana ngaphansi kwezimo ezithile yenza umthetho wempesheni ube yindawo yezomthetho eyinkimbinkimbi nebanzi. Ngaphezu kwalokho, umthetho wempesheni awumi ndawonye futhi uvame ukubhekana nezinguquko ezingeni likazwelonke nakwamanye amazwe, kanye nokuqondiswa kwabalawuli abahlobene njengeDe Nederlandsche Bank (DNB) kanye neNetherlands Authority for the Financial Markets (AFM). Lokhu kusho ukuthi ukuxazulula izinkinga emkhakheni womthetho wempesheni akudingi ukuqonda nje kuphela, kodwa nolwazi lwakamuva lomsebenzi futhi kungukuhlakanipha ukubandakanya ummeli uma uhlangana nomthetho wempesheni. Law & MoreAbameli abagcini ngokusesikhathini emkhakheni womthetho wempesheni, kodwa futhi maqondana nezinye izindawo zomthetho ezibalulwe. Ngabe unemibuzo ethile mayelana nomthetho wempesheni? Law & More uyajabula ukukusiza. Ungathola eminye imininingwane mayelana nezinye iziphathimandla kuwebhusayithi yethu.

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Ukunikezwa komhlalaphansi ngokohlelo lwensika

Ukunikezwa umhlalaphansi okunikeza imali engena esikhundleni yabasebenzi ngemuva kokuthatha umhlalaphansi kubizwa nangokuthi impesheni. ENetherlands, uhlelo lokuhlinzeka ngomhlalaphansi, noma uhlelo lwempesheni, lunezinsika ezintathu:

Impesheni eyisisekelo. Impesheni eyisisekelo ibizwa nangokuthi yi-OW-Providence. Wonke umuntu eNetherlands unelungelo lokuthola leyo nhlinzeko. Kodwa-ke, kunemibandela eminingi enamathiselwe kulokhu. Umbandela wokuqala wokuthola ukuhlinzekwa kwe-AOW ukuthi iminyaka ethile, okuyiminyaka engama-67, kufanele ukuthi ifinyelelwe. Esinye isimo ukuthi umuntu kumele ahlale esebenza noma ehlala eNetherlands. Unyaka nonyaka umuntu ahlala eNetherlands kusuka ku-15th kuya eminyakeni yobudala engama-67, 2% wokuhlinzekwa okuphezulu kwe-AOW kunqwabelana. Umlando wokuqashwa awudingeki kuleli cala.

Amalungelo empesheni. Le nsika iphathelene namalungelo umuntu awatholile ngesikhathi esasebenza futhi isebenza njengempesheni eyengeziwe empeshenini eyisisekelo. Ngokuqondile, lesi sithasiselo sithinta umholo ohlehlisiwe okhokhwa ngokuhlanganyela ngumqashi kanye nomsebenzi ngendlela ye-premium. Impesheni eyengeziwe ihlale yakhiwa ebudlelwaneni bomqashi nomqashi, ukuze kulokhu kudingeka umlando wokuqashwa. ENetherlands, noma kunjalo, asikho isibopho esivamile somthetho somqashi sokwakhela abasebenzi babo impesheni (eyengeziwe). Lokhu kusho ukuthi kufanele kwenziwe izivumelwano phakathi komqashwa nomqashi maqondana nalokhu. Law & More ngizojabula ukukusiza ngalokhu.

Impesheni Yokuzithandela. Le nsika iphathelene ikakhulukazi nakho konke ukuhlinzekwa kwemali engenayo abantu abazenzele yona ngaphambi kokuguga. Izibonelo zifaka impesheni, umshuwalense wempilo nemali engenayo evela kwi-equity. Ngokuyinhloko abazisebenzayo nosomabhizinisi okufanele bathembele kule nsika ngempesheni yabo.

Ukubamba iqhaza okuyimpoqo kuMthetho Wesikhwama Sempesheni Yezimboni 2000

Ngaphandle kokuthi abaqashi eNetherlands ababophekile ukuhlelela abasebenzi babo impesheni (eyengeziwe), ngaphansi kwezimo ezithile basengaphoqeleka ukuhlela impesheni. Lokhu kunjalo, isibonelo, uma ukubamba iqhaza esikhungweni sempesheni kuyimpoqo kumqashi ngesikhwama sempesheni esibanzi somkhakha. Lesi sibopho sivela uma lokho okubizwa ngokuthi yimfuneko ephoqelekile kusebenza kumkhakha othile: incazelo evunyelwe ungqongqoshe womkhakha lapho kusebenza khona okuyimpoqo esikhwameni sempesheni esibanzi somkhakha. Ukubamba iqhaza okuyimpoqo kuMthetho Wesikhwama Sempesheni Yezimboni 2000 kulawula ukuthi kungenzeka kube nohlelo lwempesheni oluyimpoqo lwabo bonke abasebenzi embonini ethile noma emkhakheni othile.

Uma ukubamba iqhaza esikhwameni sempesheni esibanzi somkhakha kuphoqelekile, abaqashi abasebenza emkhakheni ofanele kumele babhalise kuleso sikhwama sempesheni esibanzi. Ngokulandelayo, isikhwama sicela imininingwane mayelana nabasebenzi ukuthi inikezwe futhi abaqashi bathola isikweletu semali yempesheni okufanele bayikhokhe. Uma abaqashi bengahlangene nesikhwama sempesheni esibanzi semboni yonke, noma ngabe kunesibopho sokwenza lokho, bazoba sesimweni esingesihle. Ngemuva kwalokho, kuleso simo kunethuba lokuthi impesheni ebanzi yezimboni isazofaka inkokhelo ephelele ye-premium yayo yonke iminyaka ibuyiselwe emuva. Ngo- Law & More Siyaqonda ukuthi lokhu kunomphumela omkhulu kubaqashi. Yingakho Law & MoreOchwepheshe bakulungele ukukusiza ugweme ububi obunjalo.

Umthetho wempesheniUmthetho Wempesheni

Umnyombo womthetho wempesheni yiPension Act. Umthetho Wezimpesheni uhlanganisa nemithetho ethi:

• Vimbela ukuguqulwa kwamalungelo empesheni
• Nikeza amalungelo maqondana nokudluliswa kwenani uma kwenzeka umqashi elandelana;
• Yalela ukubamba iqhaza kwabasebenzi maqondana nenqubomgomo yomhlinzeki wempesheni;
• Kudinga ubuchwepheshe obuncane maqondana nobungoti bamalungu ebhodi abahlinzeki bempesheni;
• Lawula indlela okufanele kukhokhelwe ngayo izimali zempesheni;
• Beka izibopho zolwazi oluncane lomhlinzeki wempesheni.

Omunye wemithethonqubo ebalulekile eMthethweni Wezimpesheni uthinta imibandela okuthi, uma iphothulwa, isivumelwano sempesheni phakathi komqashi nomsebenzi kumele sihlangane. Ngalo mongo, i-Article 23 yoMthetho Wezimpesheni ithi isivumelwano sempesheni kufanele sifakwe esikhwameni sempesheni esaziwayo noma kumhlinzeki womshwalense owaziwayo. Uma umqashi engakwenzi lokhu, noma okungenani engenzi ngokwanele, uba sengozini yesibopho somqashi, esingaqalwa ngumsebenzi ngemithetho ejwayelekile yomthetho wesivumelwano. Ngaphezu kwalokho, ukuhambisana nomthetho kanye nemithethonqubo ngokomthetho wempesheni, njengoba sekushiwo, kubhekwa yi-DNB kanye ne-AFM, ukuze ukwephula umthetho kuvunyelwe ngezinye izindlela.

At Law & More siyaqonda ukuthi uma kukhulunywa ngomthetho wempesheni, hhayi kuphela imithetho ehlukene eyinkimbinkimbi nemithethonqubo, kodwa futhi nezintshisekelo ezahlukahlukene nobudlelwano obuyinkimbinkimbi bezomthetho obandakanyekayo. Yingakho Law & More isebenzisa indlela yomuntu siqu. Ochwepheshe bethu abangochwepheshe emkhakheni womthetho wempesheni bazicwilisa ecaleni lakho futhi bangahlola isimo sakho namathuba kanye nawe. Ngokuya ngalokhu kuhlaziywa, Law & More ingakweluleka ngezinyathelo ezilandelayo ezifanele. Ngaphezu kwalokho, ongoti bethu bayakujabulela ukukunikeza izeluleko nosizo phakathi nenqubo yezomthetho engaba khona. Ingabe unemibuzo mayelana nezinsizakalo zethu noma umthetho wempesheni? Bese uxhumane Law & More.

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