Kwenzekani lapho useJapan futhi ulimala? Yiziphi izinhlaka nezinhlangano ezibandakanyekile ekunakekelweni kwempilo nokunakekelwa kwasesibhedlela eJapan?

Ake sibheke ukunakekelwa kwempilo nokunakekelwa kwasesibhedlela ngaphambi Japan, izwe lapho ngisho nabangasebenzi kumele benzelwe umshwalense.

Kufanele uye kuphi uma ulimala?

Indawo yokuqala ongaya kuyo isibhedlela (umnyango wamathambo). Yomibili imitholampilo eqhutshwa ngumndeni nezibhedlela ziqhutshwa yiziphathimandla zasendaweni noma izifunda ezweni.

Kwakuzothatha isikhathi esingakanani ukufika lapho? Uma usulapho, kufanele ulinde isikhathi esingakanani ngaphambi kokuba welashwe?

Ngokuvamile kuthatha cishe isigamu sehora (kusobala ukuthi lokhu kuya ngokuthi ufike kuphi) ukufinyelela esibhedlela esiseduze. Lapho sesifikile, isikhathi sokulinda sinokwehluka kusuka kumizuzu emi-5 kuye kwengama-30. Uma kwenzeka ukulimala okungathi sína, kuzodingeka ukuthi uye esikhungweni esikhudlwana, esingaba nesikhathi eside sokulinda.

Kubiza malini ukwelashwa ngengalo ephukile, ngokwesibonelo? Ngaphandle komshuwalense wangasese, kufanele sikhokhe malini?

Ngokuya emholweni weyunithi lomndeni kanye nobudala lapho bethola khona umshuwalense, iziguli zivame ukukhokha imali ephakathi kuka-10% no-30% yezindleko zezempilo okufanele zitholwe, kanti ezinye zimbozwa ngumbuso. Isibonelo, inani lezindleko zokwelapha ngengalo ephukile lingama-68,000 yen ($ 600). Kulezi, isiguli sikhokha ama-yen angama-20,000, kanti asele angama-48,000 asekelwa umbuso.

Ngabe isebenza kanjani impilo? Ngabe kuya umqashi, uhulumeni noma okunye?

Umuntu ukhokha inani njalo ngenyanga kumhlinzeki womshuwalense womphakathi. Besebenzisa usizo lwezempilo esibhedlela, ama-30% abo kumele akhokhelwe, isibhedlela sikhokhisa izindleko zesikhungo sezempilo esikhungweni sokuhlonza / sokukhokha, bese siyedlulisela kumshuwalense womphakathi.

Lezi zinhlangano zifaka omshuwalense abambalwa abaphethe imali ekhishwe ngamaphrimiythi akhokhwa ngabantu. Sonke isakhamuzi saseJapan, kubandakanya nabangasebenzi, siyadingeka ukuthi sibambe iqhaza kwi-National Health Insurance. Ngesikhathi seminyaka yokusebenza, iningi labantu lithola umshwalense kubaqashi njengenzuzo. Ingxenye yemali ekhokhwa njalo ngenyanga idonswa ngumqashi, okhokha imali ekhokhelwa umxhaso kumshuwalense womphakathi.

Iziguli ezineminyaka yobudala engama-75 noma ngaphezulu zikhokha kuphela i-10% yezindleko zokwelashwa futhi, emadolobheni athile eJapan, izingane ezingaphansi kweminyaka engu-15 zingathola ukwelashwa mahhala ngoba uhulumeni ubakhokhela.

 

HLOLA UKUZE UZEMPILO KWAMANYE AMAZWE!

 

Ezempilo nokunakekelwa kwasesibhedlela eSweden: yiziphi izindinganiso?