Pansiyo

Twateganyirije izabukuru, wowe bite ?

 

Gutabara umukozi washaje atagishoboye gukorera umushahara cyangwa wamugaye atagishoboye kubeshwaho n’akazi no gutabara abari batunzwe n’umukozi iyo amaze gupfa. Amafaranga ya pansiyo atangwa buri kwezi :

 

Umuntu wese wigeze kuba mu bwiteganyirize butegetswe akaza kureka umurimo yehemberwaga ashobora ku bushake bwe gukomeza kwiteganyiriza mu ishami rya pansiyo. Uburenganzira bwo kwinjira mu bwiteganyirize ku bushake bwemerewe kandi abikorera ku giti cyabo batigeze mu bwiteganyirize butegetswe iyo batarengeje imyaka mirongo itanu (50) y’amavuko. Usaba agomba gutanga umusanzu wa 6% by’umushahara yigenera buri kwezi. Ku muntu wigize kuba mu bwiteganyirize butegetswe, umushahara ubarirwaho umusanzu ntushobora kujya munsi y’umushahara fatizo kandi ntushobora kurenga 130% by’umushahara we wa nyuma wabariweho umusanzu. Uwo mushahara kandi ntushobora kwiyongera birenze mirongo itatu ku ijana (30%) buri gihe cy’imyaka itatu (3). Naho ku muntu witeganyiriza ku bushake atarigeze aba mu bwiteganyirize butegetswe, umushahara ubarirwaho umusanzu ntushobora kujya munsi y’umushahara fatizo kandi ntushobora kwiyongera birenze mirongo itatu ku ijana (30%) mu gihe cy’imyaka itatu (3).

Umuntu wese wigeze kuba mu bwiteganyirize butegetswe akaza kureka umurimo yahembererwaga ashobora ku bushake bwe gukomeza kwiteganyiriza mu ishami rya Pansiyo. Uburenganzira bwp kwinjira mu bwiteganyirize ku bushake bwemerewe kandi abikorera ku giti cyabo batigeze mu bwiteganyirize bitegetswe iyo batarengeje myaka mirongo itanu y' amavuko (50) Usaba agomba gutanga umusanzu wa 6% by'umushara yigenera buri kwezi. Ku muntu wigize kuba mu bwiteganyirize butegetswe, umushahara ubarirwaho umusanzu ntushobora kujya munsi y' umushahara fatizo kandi ntushobora kurenga 130% by'umushahara we wanyuma wabariweho umusanzu Uwo mushahara kandi ntushobora kwiyongera birenze 30% buri gihe cy' imyka itatu. Naho umuntu witeganyiriza ku bushake atarigeze aba mu bwiteganyirize bitegetswe, umushahara ubarirwaho umusanzu ntushobora kujya munsi y'umushahara fatizo kandi ntushobora kurenga 30% mugihe cy' imyka itatu (3).

Ninde wemerewe kuba mubwiteganyirize kubushake

  • Umuntu wese wigeze kuba mu bwiteganyirize butegetswe akaza kureka umurimo yahembererwaga
  • Uburenganzira bwp kwinjira mu bwiteganyirize ku bushake bwemerewe kandi abikorera ku giti cyabo batigeze mu bwiteganyirize bitegetswe iyo batarengeje myaka mirongo itanu y' amavuko (50)
  • .

Mu ishami rya pansiyo umusanzu utangwa n' umukozi n' umukoresha buri wese agatanga 3% by'umushahara mbumbe w' umukozi ubarirwaho umusanzu. Kwishyura no kumenyakanisha imisanzu bikorwa buri kwezi. Italiki ntarengwa yo kumenyekanisha no kwishyura imisanzu ni italiki 15 z'ukwezi gukurikira ukwezi kwishyurwamo imisanzu

Ufite uburenganzira bwa pansiyo y’ubusaza busanzwe igihe:

  • Ugejeje ku myaka 60 nibura cyangwa se ku myaka iteganywa n’amategeko yihariye ku bakozi bamwe na bamwe
  • Ufite nibura imyaka 15 y’ubwiteganyirize
  • Kuba utagikora umurimo wose uhemberwa

Ufite imyaka 15 y’ubwiteganyirize amafaranga ya pansiyo yawe azangana na 30% by’umushahara ngereranyo wawe w’ukwezi mu myaka itanu ya nyuma. Igihe ufite imyaka y’ubwiteganyirize irenga 15 ni ukuvuga igihe kiri hejuru y’amezi 180, pansiyo yawe yongerwaho 2% kuri buri gihe kirengaho cy’amezi cumi n’abiri (12).

Pansiyo y’imburagihe uyihabwa:

  • Igihe ubuze imbaraga ushaje imburagihe ku buryo bukubuza gukora umurimo uhemberwa bikemezwa na muganga wemewe wa Leta.
  • Igihe kandi byibuze ugejeje ku myaka 15 y’ubwiteganyirize, igihe utayigejejeho uhabwa alokasiyo

Abo usize bafata pansiyo :

  • Iyo urupfu rukugwiririye kandi wari usanzwe uhabwa amafaranga ya pansiyo y’ubusaza, y’ubumuga cyangwa se ay’imburagihe.
  • Urupfu rukugwiririye ufite byibuze amezi 180 y’ubwiteganyirize

 

Abafite uburenganzira ku bwiteganyirize bwawe ni bande?

  • Ni umugore cyangwa umugabo mwasezeranye imbere y’amategeko, kandi mutigeze mutandukana
  • Ni abana bawe bwite, abana wabyaye ahandi bakemerwa ku buryo bukurikije amategeko cyangwa se abana urera wabihawe n’urukiko rubifitiye ububasha. Abo bana bagomba kuba ari ingaragu, batagejeje ku myaka 18 cyangwa 25 iyo bakiri mu mashuri.Ntabwo imyaka yitabwaho iyo abo bana bagaragaza ubumuga bw’umubiri cyangwa mu mutwe butuma batagira icyo bimarira.
  • Ababyeyi bawe, cyangwa abagizwe bo n’amategeko iyo upfuye udasize umugore, umugabo cyangwa abana.