Isimo sakho simi kanjani uma uthatha impesheni kwiGEPF?
SITSHALA NONGUBENI WEZIMALI
KUVAMILE ukuthi sitshelwe ngokuthi uma uya empeshenini ohlelweni lweGEPF kukhona imali eyisamba oyitholayo phecelezi i-gratuity.
Ngaphezu kwalokhu kukhona umholo owuthola nyanga zonke uze udlule emhlabeni noma udlulise imali yempesheni phansi kwesikhwama esigunyaziwe, lapho kusetshenziswa umgomo ka-1/3rd no-2/3rd.
Kodwa ngabe uyaziqonda i zibalo ukuthi zisebenza kanjani nokuthi zisho ukuthini uma ziqhathaniswa nempilo ofisa ukuyiphila uma ususempeshenini?
Sizobheka isimo sikaRose Mabunda (61) onguthisha osefundise iminyaka engu38. Ukhulile emsebenzini wakhe wagcina eseyinhloko yomnyango, waphinda waba nguthishomkhulu kanti ungumeluleki wesifundo eMnyangweni wezeMfundo.
Ushade nejaji eselathatha umhlalaphansi uThomas Mabunda. Muva nje uye wafuna ukuqondisisa isitatimende semihlomulo nokuthi yiziphi izinhlelo angazisebenzisa uma eya empeshenini ngenyanga kaJuni 2018. Isitatimende semihlomulo Umhlomulo R 6 828 552.00 Isamba asihlomulayo (Gratuity Payable) R 1 813 306.00
Inani lempesheni yanyanga zonke R40 914.00 ingakathathwa intela.
Umholo wakhe wanyanga zonke njengamanje uR625 099.00 ngonyaka noma R52 091 ngenyanga ingakabanjwa intela.
Umhlomulo ongenantela ngaphambi kuka-1998 njengoba uRose eqale ukusebenzela uhulumeni ngaphambi kuka-1998, ingxenye yomhlomulo wakhe awukhokhelwa intela.
Manje sidinga ukubala umhlomulo wakhe (R6 828 552 × 20 weminyaka ungakashayi u-1998÷38 weminyaka ayisebenzile = R3 593 974.74). Ngakho umhlomulo ongezukubanjelwa intela nguR 6 828 552 – R 3 593 974.74 nokhipha R3 234 577.26.
Uhlelo lokuqala umhlalaphansi ngokohlelo lweGEPF - kusho ukuthi uRose ukhetha uhlelo lwe-EPF uma engena empeshenini. Ngokwesitatimende somhlomulo, uzothola ukheshi phecelezi i-gratuity ka: R 1 813 306.00.
Lesi samba asikhokhelwa intela ngoba singaphansi kwesamba sakhe esingakhokhelwa intela.
Uzothola iholo lanyangazonke elilinganiselwa ku-R40 914.00 ngaphambi kwentela kuze kube uyadlula emhlabeni. Uzothola isamba semali sezinsuku zokuphumula phecelezi amaleave days.
Uhulumeni uzoqhubeka nokumxhasa ngomshwalense wezempilo.
Uma edlula emhlabeni umyeni wakhe uThomas, uzohlomula ingxenye yomholo wakhe ozohlukaniswa kabili ube nguR20 457.00 ngenyanga ngaphambi kwentela.
Uma edlula emhlabeni kungakapheli iminyaka emihlanu ethathe impesheni abazohlomula bazothola imali elinganiselwa kuR1 963 872.00. Kodwa lokhu kulele ekutheni udlula nini emhlabeni ngoba inani lilele ekutheni udlula nini emhlabeni.
Isibonelo - uma edlula emhlabeni sekuphele unyaka ethathe impesheni, inani liyehla ngokuhamba kweminyaka. Lokhu kusho ukuthi uma edlula emhlabeni emva konyaka ethathe impesheni, abasohlwini lokuhlomula bazothola imali elinganiselwa ku- R 1 963 872.00 (R 40 914.00×12×4)
Uhlelo lwesibili - uma ephuma kwiGEPF bese ufaka imali yakhe esikhwameni esizimele esigunyaziwe kusho ukuthi uRose uyesula ukuba yilungu leGEPF kodwa uthatha wonke umhlomulo wakhe wokwesula emsebenzini.
Umhlomulo wakhe wonke awuthola ngokwesula emsebenzini owuR 6 828 552.00 uzokhokhwa iGEPF bawufake esikhwameni sempesheni ngaphandle kokubamba intela, lesi sikhwama saziwa ngePreservation Fund.
Umgomo ka- 1/3rd noka 2/3rd uqala ukusebenza uma ethatha impesheni phansi kohlelo lwe-Retirement Fund.
Imali azoyithola ingukheshi engu- 1/3rd inguR2 276 184.00 nokunguR 6 828 552.00÷3, uRose uzothola lesi samba ngaphandle kokuhlawula intela njengoba iyingxenye yesamba esingabanjelwa intela lesi esingaphambi kuka-1998.
U-2/3 rd osele yiwona aphoqelekile ukuthi awutshale ukuze ahole nyanga zonke. Le mali nguR4 552 368.00 ozotshalwa ohlelweni olubizwa nge-Living Annuity la uRose ezokwazi ukuthola iholo nyanga zonke.
URose usengathatha isinqumo sokuthi uzohola imali engakanani nyanga zonke kodwa akunqumayo kumele kube phakathi kuka2.5% no-17.5 % ka lo-2/3rd wengxenye ayitshalile.
Ngonyaka lokhu kulinganiselwa cishe kuR 9 484.00 ngenyanga kuya kuR 66 388.00 ngenyanga ingakabanjwa intela.
Uma uRose edlula emhlabeni ngesikhathi esempeshenini, inani leRetirement Annuity yakhe lizokhokhelwa indlalifa ayiqokile. Akulula ukuvele ukhethe ukuthi yiluphi uhlelo olulungele uRose.
Ziningi izinhlaka eziholela esinqumeni esilungele yena. URose udinga ukuhlala phansi nabeluleki bezezimali abaqeqeshiwe abazobheka isimo sakhe impilo ayiphilayo, izikweletu, ezempilo yakhe, abantu abondlayo nezinhlelo ngekusasa lakhe ukuze asizakale ekwenzeni isinqumo bese akha uhlelo lwezimali olulungele izidingo zakhe.