{"id":713733,"date":"2024-04-21T20:50:02","date_gmt":"2024-04-21T16:50:02","guid":{"rendered":"https:\/\/arantv.az\/?p=713733"},"modified":"2024-04-21T20:50:02","modified_gmt":"2024-04-21T16:50:02","slug":"pensiya-sistemind%c9%99ki-bosluqlar-v%c9%99fat-ed%c9%99nl%c9%99rin-yigilan-pullarinin-taleyi-nec%c9%99-olacaq-arasdirma-foto","status":"publish","type":"post","link":"https:\/\/arantv.az\/?p=713733","title":{"rendered":"Pensiya sistemind\u0259ki bo\u015fluqlar: V\u0259fat ed\u0259nl\u0259rin y\u0131\u011f\u0131lan pullar\u0131n\u0131n taleyi nec\u0259 olacaq? – ARA\u015eDIRMA + FOTO"},"content":{"rendered":"

Statistik m\u0259lumatlara \u0259sas\u0259n, \u00f6lk\u0259mizd\u0259 il \u0259rzind\u0259 v\u0259fat ed\u0259n ki\u015fil\u0259rin t\u0259xmin\u0259n yar\u0131s\u0131 pensiya ya\u015f\u0131na \u00e7atmayanlard\u0131r. Bu statistika yenid\u0259n pensiya ya\u015f\u0131na \u00e7atmadan v\u0259fat ed\u0259nl\u0259rin pensiya kapital\u0131n\u0131n taleyi m\u0259s\u0259l\u0259sini g\u00fcnd\u0259m\u0259 g\u0259tirir.<\/p>\n

Az\u0259rbaycanda il \u0259rzind\u0259 60 min 810 n\u0259f\u0259r v\u0259fat edib. Statistik m\u0259lumatlara \u0259sas\u0259n, v\u0259fat ed\u0259nl\u0259rin 33 min 157 n\u0259f\u0259ri ki\u015fil\u0259rdir. V\u0259fat ed\u0259n ki\u015fil\u0259rin 47,8 faizi v\u0259 ya 15 min 872 n\u0259f\u0259ri 65 ya\u015f\u0131na \u00e7atmadan d\u00fcnyas\u0131n\u0131 d\u0259yi\u015fibl\u0259r. Ba\u015fqa s\u00f6zl\u0259, \u00fcmumilikd\u0259 ki\u015fil\u0259rin t\u0259xmin\u0259n 48 faizi pensiya ya\u015f\u0131na \u00e7atmadan v\u0259fat edibl\u0259r.<\/p>\n

Xat\u0131rladaq ki, 2020-ci ilin iyul ay\u0131ndan etibar\u0259n Az\u0259rbaycanda ki\u015fil\u0259r 65 ya\u015f\u0131ndan sonra pensiyaya \u00e7\u0131x\u0131rlar. Statistikadan da g\u00f6r\u00fcnd\u00fcy\u00fc kimi, ki\u015fil\u0259rin b\u00f6y\u00fck \u0259ks\u0259riyy\u0259ti pensiya ya\u015f\u0131na \u00e7atmadan d\u00fcnyalar\u0131n\u0131 d\u0259yi\u015firl\u0259r.<\/p>\n

N\u0259z\u0259r\u0259 alaq ki, b\u0259zi hallar istisna olmaqla, Az\u0259rbaycan qanunvericiliyin\u0259 \u0259sas\u0259n, pensiya ya\u015f\u0131na \u00e7atmadan \u00f6l\u0259nl\u0259rin hesab\u0131na y\u0131\u011f\u0131lan pensiya kapital\u0131 varisl\u0259r\u0259 qaytar\u0131lm\u0131r. Eyni zamanda, \u00f6lk\u0259mizd\u0259 h\u0259m i\u015fl\u0259y\u0259nl\u0259rin, h\u0259m d\u0259 y\u00fcks\u0259k m\u0259bl\u0259\u011fd\u0259 pensiya kapital\u0131 y\u0131\u011fanlar\u0131n b\u00f6y\u00fck \u0259ks\u0259riyy\u0259ti ki\u015fil\u0259rdir. Ona g\u00f6r\u0259 d\u0259 problem \u00e7ox ciddidir.<\/p>\n

B\u0259s, g\u00f6r\u0259s\u0259n, yaranm\u0131\u015f v\u0259ziyy\u0259td\u0259n \u00e7\u0131x\u0131\u015f yolu n\u0259d\u0259n ibar\u0259tdir?<\/p>\n

\u201cKaspi\u201d<\/strong><\/a>\u00a0<\/b>q\u0259zeti\u00a0m\u00f6vzu il\u0259 ba\u011fl\u0131 m\u0259qal\u0259 d\u0259rc edib.<\/p>\n

Pensiya sisteminin bir \u00e7ox bo\u015fluqlar\u0131 var<\/strong><\/p>\n

Sosioloq El\u00e7in Bayraml\u0131n\u0131n fikrinc\u0259, \u00f6lk\u0259d\u0259 ki\u015fil\u0259rin t\u0259xmin\u0259n yar\u0131s\u0131n\u0131n pensiya ya\u015f\u0131na \u00e7atmadan v\u0259fat etm\u0259si ciddi siqnald\u0131r: \u201c\u018fhalinin, x\u00fcsus\u0259n d\u0259 ki\u015fil\u0259rin yar\u0131ya yax\u0131n\u0131 pensiya ala bilmir. Faktiki olaraq d\u00f6vl\u0259t uzun ill\u0259rdir insanlardan sosial s\u0131\u011forta haqq\u0131 tutur, amma insanlar\u0131n yar\u0131s\u0131 o pulu ala bilmir. Halbuki o v\u0259sait h\u0259min \u015f\u0259xsin qanuni puludur\u201d.<\/p>\n

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\u201c\u00d6l\u00fcm hallar\u0131n\u0131n statistikas\u0131 t\u0259hlil edilm\u0259lidir\u201d<\/strong><\/p>\n

\u018fm\u0259k v\u0259 \u018fhalinin Sosial M\u00fcdafi\u0259si Nazirliyi (\u018f\u018fSMN) yan\u0131nda \u0130ctimai \u015euran\u0131n s\u0259dri, professor El\u015fad M\u0259mm\u0259dov hesab edir ki, ilk n\u00f6vb\u0259d\u0259 pensiya ya\u015f\u0131na \u00e7atmayan insanlar\u0131n \u00f6l\u00fcm hallar\u0131n\u0131n statistikas\u0131 t\u0259hlil edilm\u0259lidir: \u201cT\u0259\u0259ss\u00fcfl\u0259r olsun ki, bu kimi m\u0259s\u0259l\u0259l\u0259rd\u0259 daha \u00e7ox pensiya ya\u015f\u0131n\u0131n azald\u0131lmas\u0131 il\u0259 ba\u011fl\u0131 t\u0259klifl\u0259r ir\u0259li s\u00fcr\u00fcl\u00fcr. Amma i\u015f yerl\u0259rind\u0259 \u0259m\u0259k \u015f\u0259raitinin yax\u015f\u0131la\u015fd\u0131r\u0131lmas\u0131, s\u0259hiyy\u0259 infrastrukturunun inki\u015faf\u0131 m\u0259s\u0259l\u0259l\u0259rin\u0259 toxunulmur. \u018fslind\u0259 apar\u0131c\u0131 \u00f6lk\u0259l\u0259rin statistikas\u0131na n\u0259z\u0259r salsaq g\u00f6r\u0259rik ki, h\u0259min \u00f6lk\u0259l\u0259rd\u0259 70-75 ya\u015f\u0131nda insanlar\u0131n \u0259ks\u0259riyy\u0259ti \u0259m\u0259k qabiliyy\u0259tli olurlar. Onlar \u00fc\u00e7\u00fcn i\u015fl\u0259m\u0259k daha s\u0259rf\u0259lidir, h\u00fcquqlar\u0131 olsa bel\u0259, pensiyaya \u00e7\u0131xmaq ist\u0259mirl\u0259r. Bizd\u0259 is\u0259 iqtisadiyyat\u0131n strukturu h\u0259l\u0259 o s\u0259viyy\u0259y\u0259 \u00e7atmay\u0131b ki, pensiya\u00e7\u0131lar\u0131n sosial h\u00fcququ daha da geni\u015fl\u0259ndirilsin\u201d.<\/p>\n

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Professor vur\u011fulay\u0131b ki, Az\u0259rbaycanda t\u0259tbiq olunan sistem y\u0131\u011f\u0131m pensiyas\u0131d\u0131r. Y\u0259ni v\u0259t\u0259nda\u015f n\u0259 q\u0259d\u0259r v\u0259sait toplay\u0131rsa, h\u0259min m\u0259bl\u0259\u011f\u0259 uy\u011fun pensiya al\u0131r: \u201cT\u0259bii ki, \u0259m\u0259khaqq\u0131 y\u00fcks\u0259k olarsa, bu kimi m\u0259s\u0259l\u0259l\u0259r avtomatik h\u0259llini tapacaq. \u018fg\u0259r iqtisadiyyat\u0131n strukturu d\u0259yi\u015f\u0259rs\u0259, h\u0259tta pensiya ya\u015f\u0131na \u00e7atan v\u0259t\u0259nda\u015flar\u0131m\u0131z\u0131n \u00e7oxu i\u015fl\u0259m\u0259y\u0259 \u00fcst\u00fcnl\u00fck ver\u0259c\u0259k. S\u0259hiyy\u0259 sah\u0259si d\u0259 inki\u015faf etdirilm\u0259lidir. \u00d6l\u00fcm hallar\u0131n\u0131n \u0259ks\u0259riyy\u0259ti m\u0259hz insanlar\u0131n \u00e7oxunun keyfiyy\u0259tli s\u0259hiyy\u0259 xidm\u0259tind\u0259n yararlanma\u011fa imkan\u0131n\u0131n \u00e7atmamas\u0131 il\u0259 ba\u011fl\u0131d\u0131r\u201d.<\/p>\n

Pensiya kapital\u0131 varisl\u0259r\u0259 qaytar\u0131la bil\u0259r, amma\u2026<\/strong><\/p>\n

\u0130qtisad\u00e7\u0131 ekspert P\u0259rviz Heyd\u0259rov bildirib ki, pensiya ya\u015f\u0131na \u00e7atmadan \u00f6l\u0259nl\u0259rin hesab\u0131na y\u0131\u011f\u0131lan kapital\u0131n varisl\u0259r\u0259 qaytar\u0131lmas\u0131 indiki halda m\u00fcmk\u00fcn deyil: \u201c\u00dcmumiyy\u0259tl\u0259, pensiya ya\u015f\u0131 m\u00fc\u0259yy\u0259n edil\u0259rk\u0259n D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondunun imkanlar\u0131 n\u0259z\u0259r\u0259 al\u0131n\u0131r. Eyni zamanda, v\u0259t\u0259nda\u015flar\u0131n \u0259m\u0259k f\u0259aliyy\u0259ti d\u00f6vr\u00fcnd\u0259 \u00f6d\u0259dikl\u0259ri sosial s\u0131\u011forta haqlar\u0131, onlar\u0131n pensiya kapital\u0131, i\u015f stajlar\u0131 v\u0259 sair d\u0259 n\u0259z\u0259rd\u0259n ke\u00e7irilir. V\u0259t\u0259nda\u015f \u00e7al\u0131\u015fd\u0131\u011f\u0131 d\u00f6vrd\u0259 sosial s\u0131\u011forta haqq\u0131 \u00f6d\u0259m\u0259kl\u0259 \u00f6z\u00fcn\u0259 pensiya kapital\u0131 y\u0131\u011f\u0131r. Bu da el\u0259 t\u0259\u015fkil olunmal\u0131d\u0131r ki, v\u0259t\u0259nda\u015f\u0131n vaxtil\u0259 \u00f6d\u0259diyi s\u0131\u011forta haqlar\u0131 onun pensiya m\u0259bl\u0259\u011fin\u0259 kifay\u0259t etsin, hans\u0131sa \u00e7at\u0131\u015fmazl\u0131q olanda DSMF-nin b\u00fcdc\u0259sind\u0259n \u0259lav\u0259 dotasiya ay\u0131rmaq m\u00fcmk\u00fcn olsun. T\u0259bii ki, pensiya ya\u015f\u0131na \u00e7atmadan v\u0259fat ed\u0259nl\u0259rin kapital\u0131n\u0131n varisl\u0259r\u0259 qaytar\u0131lmas\u0131n\u0131 h\u0259r k\u0259s arzulayar. Lakin reall\u0131q ba\u015fqad\u0131r. Amma bu, g\u0259l\u0259c\u0259kd\u0259 m\u00fcmk\u00fcn ola bil\u0259r\u201d.<\/p>\n

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V\u0259fat ed\u0259n \u015f\u0259xsin pensiya kapital\u0131 nec\u0259 istifad\u0259 olunur?<\/strong><\/p>\n

D\u00f6vl\u0259t Sosial M\u00fcdafi\u0259 Fondunun (DSMF) \u0130ctimaiyy\u0259tl\u0259 \u018flaq\u0259l\u0259r Departamentinin m\u00fcdiri R\u0259\u015fad Mehdili bununla ba\u011fl\u0131 sor\u011fumuza cavab olaraq bildirib ki, v\u0259t\u0259nda\u015f\u0131n f\u0259rdi hesab\u0131n\u0131n s\u0131\u011forta hiss\u0259sind\u0259 toplanm\u0131\u015f pensiya kapital\u0131ndan qanunvericiliy\u0259 uy\u011fun olaraq yaln\u0131z pensiya m\u0259qs\u0259dl\u0259ri \u00fc\u00e7\u00fcn istifad\u0259 oluna bil\u0259r: \u201cY\u0259ni v\u0259t\u0259nda\u015f\u0131n xeyrin\u0259 \u00f6d\u0259nilmi\u015f m\u0259cburi d\u00f6vl\u0259t sosial s\u0131\u011forta haqlar\u0131nda istifad\u0259 sosial s\u0131\u011forta hadis\u0259si ba\u015f verdikd\u0259, m\u0259s\u0259l\u0259n, pensiya ya\u015f\u0131na \u00e7atd\u0131qda \u0259lilliyi m\u00fc\u0259yy\u0259n edildikd\u0259, ail\u0259 ba\u015f\u00e7\u0131s\u0131n\u0131 itirdikd\u0259 v\u0259 dig\u0259r hallarda h\u0259yata ke\u00e7irilir. Qanunvericiliy\u0259 g\u00f6r\u0259, v\u0259t\u0259nda\u015f pensiya ya\u015f\u0131na \u00e7atmam\u0131\u015fd\u0131rsa v\u0259 ya bu ya\u015fa \u00e7atanad\u0259k \u0259lilliyi m\u00fc\u0259yy\u0259n edilm\u0259mi\u015fdirs\u0259 f\u0259rdi \u015f\u0259xsi hesab\u0131nda toplanm\u0131\u015f pensiya kapital\u0131ndan istifad\u0259 ed\u0259 bilmir. H\u0259min \u015f\u0259xs v\u0259fat etdiyi, yaxud h\u0259lak oldu\u011fu halda toplanm\u0131\u015f pensiya kapital\u0131 onun \u00f6hd\u0259sind\u0259 olan ail\u0259 \u00fczvl\u0259rin\u0259 – 18 ya\u015f\u0131nad\u0259k (\u0259yani t\u0259hsil alan 23 ya\u015f\u0131nad\u0259k) \u00f6vladlar\u0131na, 18 ya\u015f\u0131na \u00e7atanad\u0259k \u0259lilliyi m\u00fc\u0259yy\u0259n olunmu\u015f 18 ya\u015f\u0131ndan yuxar\u0131 \u0259lilliyi olan \u00f6vladlar\u0131na, pensiya ya\u015f\u0131na \u00e7atm\u0131\u015f, yaxud orqanizmin funksiyalar\u0131n\u0131n 61-80 faiz v\u0259 ya 81-100 faiz pozulmas\u0131na g\u00f6r\u0259 \u0259lilliyi m\u00fc\u0259yy\u0259n edilmi\u015f ata v\u0259 anas\u0131na, \u0259rin\u0259 v\u0259 ya arvad\u0131na, 8 ya\u015f\u0131na \u00e7atmam\u0131\u015f u\u015faqlar\u0131na, qarda\u015flar\u0131na, bac\u0131lar\u0131na, n\u0259v\u0259l\u0259rin\u0259 baxan v\u0259 i\u015fl\u0259m\u0259y\u0259n \u015f\u0259xsl\u0259r\u0259 (valideynl\u0259rind\u0259n biri, \u0259ri (arvad\u0131), babas\u0131, n\u0259n\u0259si, qarda\u015f\u0131, bac\u0131s\u0131) ail\u0259 ba\u015f\u00e7\u0131s\u0131n\u0131 itirm\u0259y\u0259 g\u00f6r\u0259 \u0259m\u0259k pensiyas\u0131 t\u0259yin edil\u0259r\u0259k \u00f6d\u0259nilir.<\/p>\n

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G\u00f6r\u00fcnd\u00fcy\u00fc kimi, \u015f\u0259xsin toplad\u0131\u011f\u0131 pensiya kapital\u0131 o, d\u00fcnyas\u0131n\u0131 d\u0259yi\u015fdiyi halda ail\u0259 \u00fczvl\u0259rinin sosial t\u0259minat\u0131 \u00fc\u00e7\u00fcn istifad\u0259 olunur. Pensiyalarda h\u0259r ilin \u0259vv\u0259lind\u0259 indeksasiya n\u0259tic\u0259sind\u0259 edil\u0259n art\u0131mlar qeyd edil\u0259n bu pensiyalara da \u015famil olunur\u201d.<\/p>\n","protected":false},"excerpt":{"rendered":"

Statistik m\u0259lumatlara \u0259sas\u0259n, \u00f6lk\u0259mizd\u0259 il \u0259rzind\u0259 v\u0259fat ed\u0259n ki\u015fil\u0259rin t\u0259xmin\u0259n yar\u0131s\u0131 pensiya ya\u015f\u0131na \u00e7atmayanlard\u0131r. Bu statistika yenid\u0259n pensiya ya\u015f\u0131na \u00e7atmadan v\u0259fat ed\u0259nl\u0259rin pensiya kapital\u0131n\u0131n taleyi m\u0259s\u0259l\u0259sini g\u00fcnd\u0259m\u0259 g\u0259tirir. Az\u0259rbaycanda il \u0259rzind\u0259 60 min 810 n\u0259f\u0259r v\u0259fat edib. Statistik m\u0259lumatlara \u0259sas\u0259n, v\u0259fat ed\u0259nl\u0259rin 33 min 157 n\u0259f\u0259ri ki\u015fil\u0259rdir. V\u0259fat ed\u0259n ki\u015fil\u0259rin 47,8 faizi v\u0259 ya 15 min 872 n\u0259f\u0259ri 65 ya\u015f\u0131na \u00e7atmadan d\u00fcnyas\u0131n\u0131 d\u0259yi\u015fibl\u0259r. Ba\u015fqa s\u00f6zl\u0259, \u00fcmumilikd\u0259 ki\u015fil\u0259rin t\u0259xmin\u0259n 48 faizi pensiya ya\u015f\u0131na \u00e7atmadan v\u0259fat edibl\u0259r. Xat\u0131rladaq ki, 2020-ci ilin iyul ay\u0131ndan etibar\u0259n Az\u0259rbaycanda ki\u015fil\u0259r 65 ya\u015f\u0131ndan sonra pensiyaya \u00e7\u0131x\u0131rlar. Statistikadan…<\/p>\n","protected":false},"author":2,"featured_media":713734,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[19],"tags":[],"aioseo_notices":[],"gutentor_comment":0,"rttpg_featured_image_url":{"full":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/04\/FotoJet-1-22.jpg",620,413,false],"landscape":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/04\/FotoJet-1-22.jpg",620,413,false],"portraits":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/04\/FotoJet-1-22.jpg",620,413,false],"thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/04\/FotoJet-1-22-500x280.jpg",500,280,true],"medium":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/04\/FotoJet-1-22-548x365.jpg",548,365,true],"large":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/04\/FotoJet-1-22.jpg",620,413,false],"1536x1536":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/04\/FotoJet-1-22.jpg",620,413,false],"2048x2048":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/04\/FotoJet-1-22.jpg",620,413,false],"post-thumbnail":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/04\/FotoJet-1-22-240x172.jpg",240,172,true],"advps-thumb-one":["https:\/\/arantv.az\/wp-content\/uploads\/2024\/04\/FotoJet-1-22.jpg",620,413,false]},"rttpg_author":{"display_name":"V\u00fcsal Rafiqo\u011flu","author_link":"https:\/\/arantv.az\/?author=2"},"rttpg_comment":0,"rttpg_category":"G\u00fcnd\u0259m<\/a>","rttpg_excerpt":"Statistik m\u0259lumatlara \u0259sas\u0259n, \u00f6lk\u0259mizd\u0259 il \u0259rzind\u0259 v\u0259fat ed\u0259n ki\u015fil\u0259rin t\u0259xmin\u0259n yar\u0131s\u0131 pensiya ya\u015f\u0131na \u00e7atmayanlard\u0131r. Bu statistika yenid\u0259n pensiya ya\u015f\u0131na \u00e7atmadan v\u0259fat ed\u0259nl\u0259rin pensiya kapital\u0131n\u0131n taleyi m\u0259s\u0259l\u0259sini g\u00fcnd\u0259m\u0259 g\u0259tirir. Az\u0259rbaycanda il \u0259rzind\u0259 60 min 810 n\u0259f\u0259r v\u0259fat edib. Statistik m\u0259lumatlara \u0259sas\u0259n, v\u0259fat ed\u0259nl\u0259rin 33 min 157 n\u0259f\u0259ri ki\u015fil\u0259rdir. V\u0259fat ed\u0259n ki\u015fil\u0259rin 47,8 faizi v\u0259 ya 15…","_links":{"self":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/713733"}],"collection":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=713733"}],"version-history":[{"count":0,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/posts\/713733\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=\/wp\/v2\/media\/713734"}],"wp:attachment":[{"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=713733"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=713733"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/arantv.az\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=713733"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}