Ikhaya / Isibalo Se-UIF

Isibalo Se-UIF eNingizimu Afrika

Lesi sibalo samahhala se-UIF eNingizimu Afrika sibala umnikelo wakho wangenyanga we-Unemployment Insurance Fund, isabelo esifanayo somqashi wakho, kanye nomkhawulo wamanje we-SARS ngokuchofoza okulodwa kuphela. Faka umholo wakho osulayo ngezansi ukuze ubone ngokunembile ukuthi kukhishwa malini kwi-UIF nyanga zonke, futhi lokhu kuhambisana kanjani nohlelo olubanzi lwezinzuzo zokuswela umsebenzi ukuthola ikhefu lokubeletha nokugula i-UIF ekhona ukuze ixhase.

Kubhalwe: Ithimba Lokucwaninga le-MKR Dimension  |  Kubuyekezwe: Ithimba Lokuhlela le-SA Tax Guide  |  Imithombo: SARS, National Treasury, uMnyango Wezabasebenzi  |  Ubani ogcina i-SA Tax Guide?

Faka umholo wakho ukuze ubone umehluko womnikelo wakho we-UIF.

Lesi Sibalo Se-UIF eNingizimu Afrika Sisebenza Kanjani

Ukusebenzisa isibalo se-UIF ku-inthanethi kufanele kube okushesha futhi kudinge umholo wakho kuphela. Bhala umholo wakho wangenyanga osulayo endaweni engenhla, khetha unyaka wentela, bese lesi sibalo somnikelo we-UIF sibala ngokushesha izinombolo ezintathu: okunikeleyo, okunikelwa umqashi wakho, kanye nesamba esifakwa kwi-fund egameni lakho nyanga zonke. Njengesibalo samahhala se-UIF eNingizimu Afrika esisetshenziswa yizisebenzi kanye nabaqashi, sisebenzisa umkhawulo we-SARS wamanje ngokuzenzakalela, ngakho awudingi ukuzifunela lelo nani wena.

Lesi sithuluzi siyisibalo somnikelo, hhayi isibalo sezinzuzo ze-UIF. Sikutshela okufakwa kwi-fund, hhayi okuzobuyiselwa kuwe uma ufaka isicelo. Ukuze uthole leyo hlangothi funda izigaba zezinzuzo nokufaka izicelo ngezansi kwaleli khasi.

I-UIF Ibalwa Kanjani Emholweni Wakho?

Ukubalwa kwe-UIF eNingizimu Afrika kulula ngokusekelwe: umqashi wakho ususa u-1% womholo wakho wangenyanga osulayo bese uyifanisa ngo-1% wakhe siqu, ngakho u-2% womholo wakho ukhokhelwa ku-fund nyanga zonke sekuhlanganiswe. Leli zinga le-UIF lihlala ku-1% (isisebenzi) no-1% (umqashi) iminyaka eminingi, kodwa lisebenza kuphela kuya kumkhawulo womholo we-UIF, noma umkhawulo womnikelo, omisiwe uMnyango Wemisebenzi Nezabasebenzi.

Lowo mkhawulo yiwona owenza umkhawulo omkhulu we-UIF. Uma umholo wakho wangenyanga wedlula umkhawulo, noma yimalini engenayo engaphezulu ayisuswa i-UIF eyengeziwe, ngakho izisebenzi ezimbili eziholayo u-R25,000 no-R80,000 ngenyanga zingase zigcine zikhokha inani elifanayo uma zombili zingaphezu komkhawulo. Yingakho ukubala ngokusobala njengo-"1% womholo" kuvamise kungabi kulungile kwabaholayo kakhulu, futhi yingakho ukusebenzisa isibalo se-UIF sangempela kunikeza inani eliqinisekile kunokubala ngesandla.

Iminikelo Ye-UIF Yesisebenzi Nomqashi

Umnikelo we-UIF wesisebenzi ngasinye siqu ufaniswa nyanga nnyanga ngumqashi wakho. Empeleni, lokhu kusho ukuthi umnikelo we-UIF wesisebenzi obonwa ephepheni lakho lomholo uyingxenye eyodwa yodaba oluphelele. Umqashi wakho ukhokha ngokuthulele umnikelo we-UIF wakhe siqu ofanele, ongabonakali njengokususwa emholweni wakho kodwa oyilesi elibalwa kuma-benefit akho. Kuhlangene, lezi zingxenye ezimbili zakha umnikelo we-UIF wangenyanga obekwe egameni lakho eMnyangweni Wemisebenzi Nezabasebenzi, futhi lo mnikelo wenyanga wakha umlando osetshenziselwa ukubala izinzuzo zesikhathi esizayo.

Yiziphi Izinzuzo Ze-UIF Ongazitholo?

Izinzuzo ze-UIF zikhona ukubuyisela ingxenye yemali ongenayo uma ungakwazi okwesikhashana ukuyihola. I-fund ikhipha ngaphansi kwezigaba eziningana: inzuzo yokuswela umsebenzi ye-UIF, kwabalahlekelwa umsebenzi ngokuncishiswa, ukuxoshwa noma ukwesula ngezimo ezithile; inzuzo yokubeletha ye-UIF, kwabathatha ikhefu lokubeletha; inzuzo yokugula ye-UIF, kwabangakwazi ukusebenza ngenxa yokugula okwedlula izinsuku 14; inzuzo yokutholwa ye-UIF, komzali otholayo ingane ingakafiki eminyaka emibili; kanye nenzuzo yabaxhaswa, ekhokhelwa abaxhaswe umuntu obenikela oshonile.

Ukubalwa kwenzuzo ye-UIF nganoma yisiphi kulandela indlela efanayo: usayizi wenkokhelo yakho uncike ezingeni eliguquguqukayo lokubuyisela umholo kanye nesikhathi onikela ngaso, hhayi ngokwenani onikela ngalo nyanga zonke nje kuphela. Lokhu kwenziwa ngamabomu: kusho ukuthi abaholi abancane bavame ukuthola iphesenti eliphakeme lomholo wabo wangaphambili kunabaholi abakhulu, kuya kunombolo emisiwe yezinsuku zenzuzo yonyaka nonyaka basebenzile. Ngakho-ke ukubalwa okuqondile kwenkokhelo ye-UIF akulutho olungabalwa nje kuphela ngesibalo se-UIF eNingizimu Afrika esilula, ngoba kudinga umlando wakho wonke wokunikela esikhundleni senani lomholo elilodwa.

Ukufaneleka, Ukufaka Isicelo, Nezinsuku Zenkokhelo Ye-UIF

Ukufaneleka kwe-UIF kuncike ekunikeleni ngesikhathi usebenza kanye nesizathu sokuphela komsebenzi wakho. Ungafaka isicelo se-UIF ngemva kokwesula kuphela ezimeni ezithile ezikhawulwe, ungafaka isicelo se-UIF ngemva kokuxoshwa esimweni esiningi, futhi cishe ungakwazi njalo ukufaka isicelo se-UIF ngemva kokuncishiswa, njengoba ukuncishiswa kuwuhlobo olucacile lokuswela umsebenzi ongazenzi i-fund yenzelwe ukukuvikela. Izisebenzi zasekhaya, izisebenzi zenzayamba neningi lezisebenzi zesikhathi esigcwele zihlangana neminyaka emincane ye-UIF, kodwa abafundi bezinhlelo ezithile ze-SETA nabaholiswa ngekhomishini kuphela bavame ukungahlangani.

Inqubo yesicelo se-UIF iqala ngokubhalisa isicelo sakho esikhungweni sezabasebenzi eseduze noma nge-inthanethi ngohlelo lwe-uFiling loMnyango Wemisebenzi Nezabasebenzi, kuxhaswe ngedokhumenti yakho ye-ID, imininingwane yakho yebhange nefomu ye-UI-19 evela kumqashi wakho wangaphambilini eqinisekisa isizathu sakho sokuhamba kanye nomlando womholo wakho. Uma isicelo samukelwa, inqubo yenkokhelo ye-UIF ivamise ukukhipha ngemva kwamasonto ambalwa, futhi izinsuku zenkokhelo ye-UIF kusukela lapho zivamise ukulandela umjikelezo wenyanga isikhathi eside njengoba inzuzo iqhubeka, kuya kunombolo eyisiphelo yezinsuku ofanelekele ngazo ngokusekelwe emlandweni wakho wokunikela. Ukuthola umhlahlandlela ophelele wezinto ezidingekayo, amadokhumenti adingekayo, kanye nesikhathi i-UIF evamise ukusithatha ukukhokha, funda umhlahlandlela wethu we-UIF.

Imibuzo Ejwayelekile Nge-UIF

I-UIF ibalwa kanjani?

I-UIF ibalwa ngo-1% womholo wakho wangenyanga osulayo, kufaniswe ngo-1% ovela emqashini wakho, kuya kumkhawulo womholo wangenyanga. Isibonelo, kumholo we R18,000.00 umnikelo wakho ungaba cishe u-R177.12. Imali engenayo engaphezu komkhawulo ayithathi i-UIF eyengeziwe.

Ngikhokha malini i-UIF?

Ukhokha u-1% womholo wakho wangenyanga osulayo, kuya kumkhawulo omisiwe. Ngonyaka we-2026/2027, lokho kufinyelela kumkhawulo we-R177.12 ngenyanga, njengoba i-UIF isebenza kuphela kuya kumkhawulo we-R17,712.00 womholo. Ngisho abaholi abaphezulu abakhokhi ngaphezu kwaleli nani.

Ingabe kukhona umkhawulo wesikhulu somnikelo we-UIF?

Yebo, i-UIF inomkhawulo we-R177.12 ngenyanga ngonyaka we-2026/2027, njengoba isebenza kuphela kuya kumkhawulo we-R17,712.00 womholo. Ngisho abaholi abaphezulu bakhokha kuphela lo mkhawulo omisiwe esikhundleni sokukhokha u-1% womholo wonke wabo.

Ingabe umqashi wami naye ukhokha i-UIF?

Yebo. Umqashi wakho ufanisa umnikelo wakho ngokulinganayo, ngakho u-2% womholo wakho osemkhawulweni ukhokhelwa ku-fund nyanga zonke sekuhlanganiswe, wahlukaniswa ngokulinganayo phakathi kwakho nomqashi wakho.

Ubani ofanelekile ku-UIF?

Iningi labasebenzi elibhalise futhi elinikela ngesikhathi lisebenza lifanelekile, kufaka phakathi izisebenzi zasekhaya nezenzayamba. Abafundi bezinhlelo ezithile zokuqeqesha nabantu abaholiswa ngekhomishini kuphela bavamise ukungahlangani nemibandela ejwayelekile ye-UIF, ngakho bheka izidingo zoMnyango Wemisebenzi Nezabasebenzi uma ungaqiniseki.

Ngifake isicelo se-UIF kanjani?

Ubhalisa isicelo esikhungweni sezabasebenzi eseduze noma nge-inthanethi nge-uFiling, usebenzisa idokhumenti yakho ye-ID, imininingwane yebhange nefomu ye-UI-19 evela kumqashi wakho wangaphambilini. Umhlahlandlela wethu we-UIF uhlanganisa izidingo zesicelo zonke kanye nenqubo ngesigaba nesigaba.

Ingabe lesi sibalo singangitshela ukuthi ngizokhokhwa malini i-UIF uma ngilahlekelwa umsebenzi?

Cha, lesi sithuluzi se-UIF eNingizimu Afrika sibala umnikelo wakho wangenyanga, hhayi inkokhelo yesicelo. Izinga lenzuzo lilandela isikali eliguquguqukayo lokubuyisela umholo ngokusekelwe emlandweni wakho wonke wokunikela, okuyinto uhlelo lwe-UIF loMnyango Wemisebenzi Nezabasebenzi olungakwazi ukubala ngokunembile. Bheka umhlahlandlela wethu we-UIF ukuthola indlela ukufaka isicelo okusebenza ngayo.

Incazelo Ye-UIF Neminye Imibuzo Ejwayelekile

UIF isho Unemployment Insurance Fund. Uma ubheka ukuthi i-UIF isho ukuthi yini, yiyo le mpendulo emfushane. Kuwu-fund kahulumeni onikelwa wonke umsebenzi nomqashi. Inikeza imali yesikhashana kubantu abalahlekelwa umholo hhayi ngenxa yabo.

Ingabe i-UIF ikhokhelwa intela? Cha. Umnikelo wakho we-UIF awuthathwa njengemali engenayo ekhokhelwa intela futhi awuveli njengomugqa wokususwa kwentela ku-ITR12 yakho. Futhi awuthinti isibalo sakho se-PAYE. Kuwukukhishwa okwahlukene ngokuphelele okuxhasa inzuzo eyahlukene ngokuphelele.

Ingabe abaholiswa yikhomishini bakhokha i-UIF? Lo ngumbuzo ojwayelekile futhi impendulo incike endleleni umuntu aholiswa ngayo. Abasebenzi abaholiswa umholo omisiwe kanye nekhomishini bavamise ukukhokha i-UIF ku-nani lonke. Abasebenzi abaholiswa ikhomishini kuphela ngaphandle komholo omisiwe bavamise ukuphathwa ngendlela ehlukile futhi bangase bangahlangani nemithetho ejwayelekile ye-UIF. Uma ungaqiniseki ukuthi i-UIF isebenza kanjani ohlelweni lwakho lokuholiswa, kuhle ukubheka ngqo nomqashi wakho noMnyango Wemisebenzi Nezabasebenzi.

I-UIF nomnikelo we-provident fund akuyona into efanayo. I-UIF iyiphesenti elincane elimisiwe elixhasa ukusekelwa kwesikhashana kokuswela umsebenzi. I-provident fund noma i-pension fund yingxenye enkulu yesikhathi eside yokonga impesheni okususwayo emholweni. Amaphepha omholo amaningi abonisa lokhu kokuthathu ndawonye yingakho abantu bevame ukukudida.

Izibalo Nemihlahlandlela Ehlobene