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Skandikon logotyp

KAP-KL

AKAP-KL - KollektivAvtalad Pension - waxa uu khuseeyaa dadka u shaqeeya kamuunka iyo maamulka gobolka ee dhashay 1938 ama wixii ka danbeeyey. KAP-KL waxa uu shaqeynayaa 1-da janaayo 2006 isagoo badalaaya heshiiska hawlgabka PFA. Marka laga bilaabo 1-da janaayo 2014 ayay KAP-KL ku jiraan shaqaalaha dhashay 1985 ama wixii ka danbeeyey. Xataa dadka u shaqeeya gobolka - iyo ururada shaqaalaha degmada ayaa ku jira KAP_KL sidoo kale shaqaalahashirkadaha kamuunka ee ka midka ururada shaqo bixiyayaasha ee Pacta.

Faa'iidooyinka ay leedey KAP-KL

Waxa leedey KAP-KL kharash go'an iyo faa'iidada kharashka faa'iidada ku xidhan

• hawlgabka da'da ee kharashka ku xidhan

• hawlgabka da'da ee faa'idadu ku salaysan

• lacagta hawlgabka oo la siiyo dadka kaa hadha ee dadka waaweyn iyo carruurta

• heshiiska hawlgabka ee gaarka

• xuquuda halwgabla ee la shaqeystey 1997-12-31

Mushahar ku salaysan lacagta hawlgabka iyo aasaaska hawlgabka

KAP-KL ayuu yahay mushaharka ku salaysn lacagta hawlgabka

• mushahar lagu bixiyo kaash

• mushahar kaa baaqdey marka fasax xanuunka la qaato, shil, dhaawac shaqada kaa soo gaadho, fasaxa waalidka iyo hawlaha wakiilka ururuada shaqada loogu maqnaado.

Ta faa'iidada ku salaysan ayuu salka u yahay kharashka mushaharka kaashka ee lagu siiyey marka lagu darro mushaharka kaa baaqdey ee ay tahay in lagu xiyaabiyo. Faa'iidadooyinka ku salaysan faa'iidaa waxa lagu xisaabinayaa waxa salka u ah hawlgabka kaas oo aasaas u ah shanta sanno ee aad ugu mushaharka badneyn ee todobadda sanno ee ugu show kahor sanadka uu qofka shaqaalaha ahi dhameeyo ama uu helo xuquuqdiisa uu u leeyey gunada bukaan socodka ama waxqabadka.

Hawlgabka da'da ee kharshku ku salaysan

Shaqo bixiyaha ayaa meel dhigaaya sanad walba qeyb boqolkiiba ka mid ah mushaharka qofka shaqalaha taasoo ah wahlgabka da'da ee karashka ku salaysan Gunnada dhamaan shaqaalaha la shaqeystey marka laga soo bilaabo 21 sanno.

Maka laga soo bilaabo 2010 ayuu kharashku yahay 4,5 boqolkiiba mushaharka ilaa 30 salka mushaharka ah. Qofka shaqaalaha ahi waxa uu dooran karaa inuu galiyo kharashka

• maareynta nolosha ama maareynta sanduuqa

• taas oo hel ama aan laheyn ka ilaalinta dib u bixinta.

Haddii qofka shaqaalaha ahi aanu wax doorosho ah sameyn ayaa la dhigayaa kharashka KPA Pensionsförsäkring AB iyadoo la galin doono caymis hawlgabka oo dhanka lehna ka ilaalinta dib u bixinta.

Qofka shaqaalaha ah ayaa marka uu doono sameyn kara heshiis hawlgabka ee kharshka soo socda. Doorashadu waa inay ka dhacdo Valcentralen iyadoo ay tahay inay soo gaadho ugu danbeyn 31 diisembar.

Hawlgabka kharashku go'aamiyo ayaad ugu horeyn la qaadan karaa marka lagaa bilaabo 55 jir. Qofka shaqalaha ah ayaa dooranaysaa in intaad nooshahay oo dhan lagu siiyo ama in xili go'an lagu siiyo, ugu yaraan waa shan sanno. Haddii uu hawlgabka khaashku ka yaryahey boqolkiiba 1 ee la midka inta sanadka ku soo gasha ayuu shaqo bixiyahaagu ku siinayaa intaa mid u dhiganta oo mushahar ah.

Qofka shaalaha ah ee dhashay wixii ka horeyey 1946

Qofka shaqaalah ah ee shaqay 1946 ama wixii ka horeeyey waxa uu haysanayaa heerka kharashka ee PFA-da Kharashku waxa weeye inta u dhaxaysa 3,5–4,5 boqolkiiba e mushaharka xiliga 7,5 lacagta ku soo gashay iyo ,1–2,1 boqolkiba mushaharka ka badan 7,5 lacagta ku soo gashay. Kharashka intuu yahay waxay ku xidhantey qeybta heshiiska uu qofka shaqaalaha ahika midka yahay.

Hawlgabka da'da ee faa'idadu ku salaysan

Hawlgabka da'da ee faa'idadu ku salaysan ayaa qofka shaqalaga ahi uu shaqeysanayaa sanad isku buuxa

• mushahar leh hawlgab oo ka sareeya 7,5 inta ku soo gashay ee salka u ah

• salka hawlgab oo ka sareeya 7,5 inta ku soo gashay

Hawlgabka da'da ee faa'idadu ku salaysan waxa la shaqeystaa marka laga soo bilaabo 28 jirka ilaa ugu badnaan da'da 65 jirka. Si aad u hesho hawlgabka da'da ee faa'idadu ku salaysan oo buuxa waxa lagaa rabaa xili 30 sanno ah inaad shaqeysay. Xiliga shaqada waxa uu qofka shaqalaha ahi ku tirsanayaa shaqada leh xuquuqda hawlgabka sida waafaqsan heshiiska hawlgabka ee PFA iyo KAP-KL

Inta ay tahay faa'iidadu boqolkiiba waxay ku xidhantey xiliga uu dhashay qofka shaqalaha ahi.

Sanadka dhalashada 7,5–20 IBB 20–30 IBB
-1946 62,50 31,25
1947 62,14 31,07
1948 61,79 30,89
1949 61,43 30,71
1950 61,07 30,54
1951 60,71 30,36
1952 60,36 30,18
1953 60,00 30,00
1954 59,64 29,82
1955 59,29 29,64
1956 58,93 29,46
1957 58,57 29,29
1958 58,21 29,11
1959 57,86 28,93
1960 57,50 28,75
1961 57,14 28,57
1962 56,79 28,39
1963 56,43 28,21
1964 56,07 28,04
1965 55,71 27,86
1966 55,36 27,68
1967 55,00 27,50

Hawlgabka da'da ee faa'idadu ku salaysan waxa la bixinayaa intaad nooshahay iyadoo laga bilaabo da'da 62 jirka iyadoo laguugu xisaabinaayo xiliga shaqada ee uu sii joogey qofka shaqaalihii ilaa inta uu gaadhaayo 65 jir. Lacagta hawlgabku waxay yaraanaysaa ama ay kordheysaa 0,4 boqolkiiba bil kasta oo la qaato lacagta inta ka horeysa ama ka danbeysa 65 jir.

Macaashka

Qofka shaqaalaha ah ee buuxinaaya shuruuda hawlgabka da'da ee faa'idadu ku salaysan laakiin iskaga taga isagoon qaadan hawlgabka da'da ayaa helaaya xaquuqda macaashka mustaqbalka. Faraqa u dhaxeeya, marka la barbar dhigo hawlgabka da'da ee faa'idadu ku salaysan, waxa weeye in qofka shaqaalaha ahi aanu xaq u laheyn xiliga shaqada ee hadhsan ilaa uu gaadhaayo 65 jir. Macaashka waxa la bixinayaa intaad nooshay oo dhan.

Lacagta hawlgabka ee dadka kaa hadha ee waaweyn

Qofka ka hadha qofka dhintey ee shaqeyn jiray markuu dhintey ayaa u lahaan kara xaq hawlgabka dadka ka hadaha. Hawlgabka dadka ka hadha waxa la bixinayaa xataa haddii qofka shaqaalaha ahi uu xiliga dhimashada ka heli jirey guno AGS-KL ama heshiiska gaarka ee hawlgabka. Faa'iidada kale ee jirtaa waxa weeye badbaadada kadib oo lix bilood ah. Faa'iidada kuma xidhna shaqada.

Hawlgabka qofka weyn ee ka hadha waxa la siinaayo shan sanno oo kaliya.

  Ugu badnaan 20 IBB 20–30 IBB
Heerka hawlgabka % 15 7,5

Hawlgabka carruurta waxa la bixinayaa ilaa bisha uu ilmahu buuxinaayo 18 jir ama xiliga waxbarashada, ilaa bisha juun marka uu ilmahu buuxinaayo 20 jir.

  Ugu badnaan 7.5 IBB 7,5–20 IBB 20–30 IBB
Heerka hawlgabka % 10 28 14

Haddii carruurta xaga u leh faa'iidooyinkaas ay badan yihiin ayaa hawlgabka cida ka hadhay lagu dhufanayaa tirooyinka hoosta ku qoran iyadoo lacagta hawlgabka ee la xisaabiyey loogu kala qeybin doono carruurta.

Tirada carruurta 2 3 4 5 ama wax ka badan
Tirooyinka 1,4 1,6 1,8 2

 

Xuquuda halwgabla ee la shaqeystey 1997-12-31

Haddii qofka shaqaalaha ah uu ku jiro heshiis hawlgab PA-KL taariikhda 31 diisambar 1997 ayaa dib loogu xisaabinayaa fa'iidada la shaqeystey xuquuqda hawlgabka 1997-12-31.

Xuquuqda hawlgabka ee la shaqeystey waxa lagu go'aaminaya iyadoo laga eegaayo mushaharka qofka shaqaalaha ee u dhaxeeyey 1989 iyo 1995, iyo xiliga uu u shaqeynaayey kamuunka ee loogu daraayo xida waafaqsan PA-KL. Xuquuqda hawlgabka ee la shaqeystey ayaa la qaadan karaa inta u dhaxaysa 61 iyo 67 ama xiliga danbe ee ay shaqadu istaagto.

Xaquuqda hawlgabka ee la shaqeytey, waxay ku salaysan tahay mushaharka ka hooseysa 7,5 ee kor u qaadista lacagta ugu yar, taas oo loo qaadan karo si kumeel gaadh ah iyo si rasmi ahba. Xaquuqda hawlgabka ee la shaqeytey, waxay ku salaysan tahay mushaharka ka sareysa 7,5 ee kor u qaadista lacagta ugu yar, taas oo loo qaadanaayo intaad nooshey iyadoo qeyb ahaan loo bixin doono. Ilaa inta lacagta hawlgabka la bixinaayo ayaa la sugayaa qiimaheeda xaquuqda hawlgabka ee la shaqeytey iyadoo wadata isbadbedelka sanadka ee lacagta dakhliga kusoo gasha. Marka la bixinaayo ayaa a sugayaa qiimaha lacagta hawlgabka ee wadata isbadbedelka sanadka ee lacagta ugu yar.

Heshiiska hawlgabka ee gaarka

KAP-KL waxay haysaa laba heshiiska hawlgabka oo gaar ah:

• heshiis gaara oo lacagta hawl gabka ee shaqaalaha adeega badbaadada

• heshiiska hawlgabka ee gaarka ee sida ku dhigan heshiiska

Heshiis gaara oo lacagta hawlgabka ee shaqaalaha adeega badbaadada

heshiiska gaarka ah ee shaqalada gargaarka degdega waxa uu khuseeyaa dadka shaqalaha ah ee guud ahaan ka shaqeeya kooxda adeega degdega. Qofka shaqalaha ah ayaa isticmaali kara heshiiska hawlgabka ee gaarka marka laga bilaabo 58 jir.. Dalabka waxa weeye in qofka shaqaalaha ahi u ka mid ahaa gargaarga degdega ugu yaraan 30 sanno, halkaas oo 25 ka mid ah kooxda adeega degdega.

Heerka halwgabka

Sanadka dhalashada 7,5 IBB 7,5–20 IBB 20–30 IBB
-1946 73,50 62,50 31,25
1947 73,50 62,14 31,07
1948 73,50 61,79 30,89
1949 73,50 61,43 30,71
1950 73,50 61,07 30,54
1951 73,50 60,71 30,36
1952 73,50 60,36 30,18
1953 73,50 60,00 30,00
1954 73,50 59,64 29,82
1955 73,50 59,29 29,64
1956 73,50 58,93 29,46
1957 73,50 58,57 29,29
1958 73,50 58,21 29,11
1959 73,50 57,86 28,93
1960 73,50 57,50 28,75
1961 73,50 57,14 28,57
1962 73,50 56,79 28,39
1963 73,50 56,43 28,21
1964 73,50 56,07 28,04
1965 73,50 55,71 27,86
1966 73,50 55,36 27,68
1967 73,50 55,00 27,50

Haddii qofka shaqaalah ahi uu lahaa dakhli kale oo uu shaqeystey xiligaa marka la siinaayo lacagta heshiiska hawlgabka ee gaarka, ayaa dakhliga heshiiska hawlgabka ee gaarka la usku xidhayaa. taas waxa ka baxsan haddii qofka shaqaalaha ah uu haysto dakhli kale oo uu shaqeysto ka hor dalabka heshiiska hawlgabka ee gaarka. Heshiiska hawlgabka ee gaarka waxa lagu siinayaa ilaa markaad gaadho 65 jir.

Heshiiska hawlgabka ee gaarka ee sida ku dhigan heshiiska

Dadka kale ee shaqalaha ah ee aan aheyn shaqaalaha gargaarka degdega ayaa sameysan kara heshiis shakhsi oo heshiiska hawlgabka ee gaarka ee shaqo bixiyaha. Heshiiska ka dhexeeya shaqo bixiyaha iyo shaqaalaha waxa xadeynaaya

• waxa uu ka kooban yahay heshiiska hawlgabka ee gaarku – dhamaan ama qeyb ahaan

• wakhtiga laga bilaabaayo in heshiiska hawlgabka ee gaarku la bixiyo

• heerka lacagta hawlgabka ee boqolkiiba saldhig hawlgabka uu khuseyo xiliga heshiiska hawlgabka ee gaarka

• haddii kharashka hawlgabka lagu daraayo shaqo bixiyaha xliliga heshiiska hawlgabka ee gaarka la bixinaayo

• haddii isku xidhka lagu sameynaayo dakhliga la shaqeytey xiliga heshiiska hawlgabka ee gaarka.

Heshiiska buuxa ee hawlgabka ee gaarka ee dhan waxa la bixinayaa ugu badnaa ilaa bisha sanadka uu qofka shaqaalaha ahi buuxinaayo 65 jir. Heshiiska qeybta ee hawlgabka ee gaarka ee dhan waxa la bixinayaa ugu badnaa ilaa bisha sanadka uu qofka shaqaalaha ahi buuxinaayo 67 jir.

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Postadress Valcentralen, Skandikon Administration AB, Box 14, 101 20 Stockholm
Kontakt Telefon 0771-44 44 00, e-post kundcenter@valcentralen.se