Okwenzeka emalini yempesheni yomuntu uma edlula emhlabeni
YINTATHELI YOMBELE
IMVAMISA kubanombango wemali yempesheni namafa uma kufa umuntu obebeka imali yempesheni. Kwesinye isikhathi uthola umndeni ulwisa obhaliwe ukuthi imali iye kuye. Kuyenzeka kwesinye isikhathi ababheke izikhwama zempesheni basolwe ngokungenzi kahle uma bengabacazelanga imali bonke akade bondliwa wumufi.
I-product head yeFNB Fiduciary uMnu uJohn Strydom ichaza kabanzi ngokwenzeka emalini yempesheni uma sekushone umnikazi wayo.
Ebantwini abaningi imali yempesheni abayibeka besasebenza ayiyona nje imali kodwa iyifa lokubabheka ngomuso. Bayibuka njengefa abayolishiyela abanye.
Akumangazi ukuthi abasuke behlela kahle yonke into abanayo babhala nencwadi yamafa befuna ukuqinisekisa ukuthi impahla yabo ivikelekile, baye bacabange kuqala ngemali yabo yempesheni. Kakade ibalulekile ngoba iyisisekelo somsebenzi umuntu asuke ewenze impilo yakhe yonke.
ENingizimu Afrika abantu abalondoloza imali yabo ezikhwameni zempesheni benza iphutha lokukholwa wukuthi banelungelo lokukhetha ukuthi imali yabo yempesheni iya kubani njengoba bekwazi ukwenza loku encwadini yamafa.
Izikhwama zempesheni, njengama-retirement annuity, i-pension fund, i-provident fund nama-preservation fund, ezinganyelwe wumthetho i-Pensions Act. Isigaba 37C salo mthetho sicacisa ngokufanele kwenzeke ngemali yempesheni uma kushona umuntu obeyilondoloze esikhwameni esithize.
Uma abantu beqala ukusebenza baye bacelwe ukugcwalisa imininingwane yomuntu okufanele athole imali yempesheni nenye yasemsebenzi uma kwenzeka okuthile kubo. Kubalulekile ukwazi ukuthi ukukhethwa kothize akubabophezeli ababheke isikhwama sempesheni ukuthi bayinike obhaliwe kodwa kuyabasiza ukubona ukuthi wobani akade bondliwa yilowo obelondoloza imali esikhwameni sempesheni.
Ngokwesigaba 37C abheke isikhwama sempesheni kufanele baqinisekise ukuthi imali yempesheni yomuntu oseshonile iya kubantu akade ebondla noma kwayebabhalisile. Uma kukhulunywa ngabantu akade ebondla kushiwo noma wubani obondliwa ngokomthetho, kubhekwe izidingo zakhe zemali ngaphambi kokuthi obenempesheni afe. Lapha kukhulunywa ngomyeni, inkosikazi nezingane zomuntu obesesikhwameni sempesheni.
Abengamele isikhwama sempesheni banezinyanga eziwu-12 zokubheka bonke akade bondliwa yilowo obesesikhwameni sempesheni ongasekho. Lapho kukhona akade bondliwa wumufi nalabo ababhaliwe kodwa abangondliwa wumufi, isigaba 37C (1)(bA) sithi abengamele isikhwama sempesheni kufanele imali bayicaze ngokulingana noma ngendlela abayibona ifanele phakathi kwakade bondliwa wumufi nabakade bebhaliwe kodwa bengondliwa wumufi.
Uma abengamele isikhwama sempesheni behluleka wukuthola abantu akade bondliwa wumufi emva kwezinyanga eziwu-12 futhi naye engazange abhale muntu, imali yempesheni ifakwa ezimpahleni zomuntu yomuntu ongasekho, phecelezi i-deceased estate.
Akade bondliwa wumufi noma abaqokiwe bangakhetha ukuthi bafuna ukuthola isizumbulu esizohambisana nentela noma bathenge i-annuity (impesheni yomhlalaphansi) ngemali yabo.
Kwenzekani nge-group life cover? Abasebenzi abaningi abasuke benesikhwama sempesheni baye bathole ne-group life ne-disability cover. Imali ye-life cover iye ikhokhwe iyisizumbulu esilingana nomholo obutholwa wumuntu ngonyaka osuke usuphindwe kathathu noma kahlanu. Ezikhwameni eziningi mali ye-life cover kamufi neyempesheni icazelwa abantu akade ebondla ngokwesigaba 37C.