{"id":16491,"date":"2014-06-12T06:21:52","date_gmt":"2014-06-12T04:21:52","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=16491"},"modified":"2014-06-12T06:21:52","modified_gmt":"2014-06-12T04:21:52","slug":"doplatit-si-zpetne-dobu-duchodoveho-pojisteni-je-mozne-ovsem-jen-v-urcitem-rozsahu","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=16491","title":{"rendered":"Doplatit si zp\u011btn\u011b dobu d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed je mo\u017en\u00e9. Ov\u0161em jen v ur\u010dit\u00e9m rozsahu."},"content":{"rendered":"

Zku\u0161enosti pracovn\u00edk\u016f \u010cesk\u00e9 spr\u00e1vy soci\u00e1ln\u00edho zabezpe\u010den\u00ed (\u010cSSZ) ukazuj\u00ed, \u017ee lid\u00e9 se \u010dasto pozd\u011b p\u0159ich\u00e1zej\u00ed poradit, v jak\u00fdch p\u0159\u00edpadech lze vyu\u017e\u00edt dobrovoln\u00e9ho d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed. Pokud toti\u017e n\u011bkomu chyb\u00ed pot\u0159ebn\u00e1 doba poji\u0161t\u011bn\u00ed pro n\u00e1rok na d\u016fchod, z\u00e1kon mu umo\u017en\u00ed doplatit pouze jeden rok zp\u011btn\u011b p\u0159ede dnem pod\u00e1n\u00ed p\u0159ihl\u00e1\u0161ky k dobrovoln\u00e9mu d\u016fchodov\u00e9mu poji\u0161t\u011bn\u00ed.<\/strong>
\n<\/p>\n

Smyslem dobrovoln\u00e9ho d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed je umo\u017enit lidem, aby se jim doba, kdy nejsou d\u016fchodov\u011b poji\u0161t\u011bni, mohla zapo\u010d\u00edtat pro vznik n\u00e1roku nejen na d\u016fchod starobn\u00ed.<\/p>\n

Sou\u010dasn\u00e1 pr\u00e1vn\u00ed \u00faprava rovn\u011b\u017e p\u0159edpokl\u00e1d\u00e1, \u017ee v \u017eivot\u011b lid\u00ed vznikaj\u00ed i situace, kter\u00e9 se mohou st\u00e1t d\u016fvodem pro pod\u00e1n\u00ed p\u0159ihl\u00e1\u0161ky k \u00fa\u010dasti na dobrovoln\u00e9m d\u016fchodov\u00e9m poji\u0161t\u011bn\u00ed. Z\u00e1kon o d\u016fchodov\u00e9m poji\u0161t\u011bn\u00ed vymezuje d\u016fvody a podm\u00ednky, za kter\u00fdch je mo\u017en\u00e1 \u00fa\u010dast na dobrovoln\u00e9m d\u016fchodov\u00e9m poji\u0161t\u011bn\u00ed, a rovn\u011b\u017e stanovuje mo\u017enost zp\u011btn\u00e9ho p\u0159ihl\u00e1\u0161en\u00ed k dobrovoln\u00e9mu d\u016fchodov\u00e9mu poji\u0161t\u011bn\u00ed a zaplacen\u00ed pojistn\u00e9ho.<\/p>\n

Od leto\u0161n\u00edho roku (tj. od 1. 1. 2014) je mo\u017en\u00e1 \u00fa\u010dast na dobrovoln\u00e9m d\u016fchodov\u00e9m poji\u0161t\u011bn\u00ed bez uveden\u00ed d\u016fvodu v rozsahu nejv\u00fd\u0161e 15 let v r\u00e1mci cel\u00e9ho \u017eivota (podle pr\u00e1vn\u00ed \u00fapravy platn\u00e9 do 31. 12. 2013 to bylo nejv\u00fd\u0161e 10 let). Poji\u0161t\u011bn\u00ed mohou b\u00fdt \u00fa\u010dastni lid\u00e9 star\u0161\u00ed 18 let, jestli\u017ee podali p\u0159ihl\u00e1\u0161ku k \u00fa\u010dasti na poji\u0161t\u011bn\u00ed. Ta se pod\u00e1v\u00e1 na okresn\u00ed spr\u00e1v\u011b soci\u00e1ln\u00edho zabezpe\u010den\u00ed (v Praze Pra\u017esk\u00e9, v Brn\u011b M\u011bstsk\u00e9 – OSSZ) podle m\u00edsta trval\u00e9ho pobytu ob\u010dana, pop\u0159. hl\u00e1\u0161en\u00e9ho pobytu cizince. Osoby s trval\u00fdm pobytem mimo \u00fazem\u00ed \u010cR mohou p\u0159ihl\u00e1\u0161ku k t\u00e9to \u00fa\u010dasti podat na kter\u00e9koliv OSSZ. Dal\u0161\u00ed podm\u00ednkou \u00fa\u010dasti je placen\u00ed pojistn\u00e9ho.<\/p>\n

Minim\u00e1ln\u00ed m\u011bs\u00ed\u010dn\u00ed pojistn\u00e9 hrazen\u00e9 v roce 2014 \u010din\u00ed 1 817 K\u010d (u osoby \u00fa\u010dastn\u00e9 d\u016fchodov\u00e9ho spo\u0159en\u00ed \u010din\u00ed minim\u00e1ln\u00ed m\u011bs\u00ed\u010dn\u00ed pojistn\u00e9 1 946 K\u010d).<\/p>\n

\u00da\u010dast na dobrovoln\u00e9m d\u016fchodov\u00e9m poji\u0161t\u011bn\u00ed je mo\u017en\u00e1 nejd\u00e9le do dne, kter\u00fd bezprost\u0159edn\u011b p\u0159edch\u00e1z\u00ed dni vzniku n\u00e1roku na starobn\u00ed d\u016fchod. Ob\u010dan dobrovoln\u011b \u00fa\u010dastn\u00fd d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed m\u016f\u017ee z t\u00e9to \u00fa\u010dasti podat kdykoliv odhl\u00e1\u0161ku. Tato \u00fa\u010dast zanik\u00e1 ke dni pod\u00e1n\u00ed odhl\u00e1\u0161ky, nebo ke dni v budoucnu, pokud je tento den v odhl\u00e1\u0161ce uveden.<\/p>\n

K 30. 4. 2014 evidovala \u010cSSZ 5 900 osob dobrovoln\u011b d\u016fchodov\u011b poji\u0161t\u011bn\u00fdch.<\/p>\n

Pro n\u00e1zornost uv\u00e1d\u00edme n\u011bkolik obvykl\u00fdch p\u0159\u00edklad\u016f, kdy lze institut dobrovoln\u00e9ho d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed vyu\u017e\u00edt, nebo naopak jej doporu\u010dit nelze, proto\u017ee by jeho vyu\u017eit\u00ed nebylo \u00fa\u010deln\u00e9.<\/p>\n

1. K dobrovoln\u00e9mu d\u016fchodov\u00e9mu poji\u0161t\u011bn\u00ed bez uveden\u00ed d\u016fvodu se mohou p\u0159ihl\u00e1sit nap\u0159. \u017eeny, kter\u00e9 jsou v dom\u00e1cnosti se zdrav\u00fdmi d\u011btmi star\u0161\u00edmi 4 let a cht\u011bj\u00ed, aby se jim toto obdob\u00ed zapo\u010d\u00edtalo do pot\u0159ebn\u00e9 doby poji\u0161t\u011bn\u00ed pro n\u00e1rok na d\u016fchod. Vzhledem k mo\u017enosti p\u0159ihl\u00e1sit se k \u00fa\u010dasti na dobrovoln\u00e9m d\u016fchodov\u00e9m poji\u0161t\u011bn\u00ed maxim\u00e1ln\u011b rok zp\u011btn\u011b p\u0159ed pod\u00e1n\u00edm p\u0159ihl\u00e1\u0161ky, si j\u00edm ale nelze doplatit (\u201edokoupit\u201c) obdob\u00ed, kdy byla \u017eena v dom\u00e1cnosti nap\u0159. p\u0159ed 10 lety.<\/p>\n

2. Dobrovoln\u00e9 d\u016fchodov\u00e9 poji\u0161t\u011bn\u00ed mohou vyu\u017e\u00edt i mlad\u00ed lid\u00e9, kte\u0159\u00ed odkl\u00e1daj\u00ed sv\u016fj vstup na pracovn\u00ed trh, dlouhodob\u011b studuj\u00ed, nebo se \u00fa\u010dastn\u00ed st\u00e1\u017e\u00ed. \u00da\u010dast\u00ed na dobrovoln\u00e9m d\u016fchodov\u00e9m poji\u0161t\u011bn\u00ed si zajist\u00ed, aby jim doba studia, kter\u00e1 v obdob\u00ed od 1. 10. 2010 ji\u017e nen\u00ed pova\u017eov\u00e1na za n\u00e1hradn\u00ed dobu poji\u0161t\u011bn\u00ed, byla v budoucnu zapo\u010d\u00edt\u00e1na pro n\u00e1rok na starobn\u00ed, ale i p\u0159\u00edpadn\u00fd invalidn\u00ed d\u016fchod. Tot\u00e9\u017e plat\u00ed o dal\u0161\u00edch aktivit\u00e1ch, p\u0159i nich\u017e nejsou \u00fa\u010dastni d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed.<\/p>\n

3. Lid\u00e9, kte\u0159\u00ed byli nebo jsou dlouhodob\u011b nezam\u011bstnan\u00ed a jsou nebo byli v evidenci u \u00fa\u0159adu pr\u00e1ce, mohou pomoc\u00ed dobrovoln\u00e9ho d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed \u201epokr\u00fdt\u201c doby evidence u \u00fa\u0159adu pr\u00e1ce, kter\u00e9 se jim nezapo\u010d\u00edtaj\u00ed jako n\u00e1hradn\u00ed doba poji\u0161t\u011bn\u00ed. Ty lze toti\u017e pro n\u00e1rok a v\u00fd\u0161i d\u016fchodu zohlednit pouze v ur\u010dit\u00e9m rozsahu. Z doby veden\u00ed v evidenci \u00fa\u0159adu pr\u00e1ce, po kterou nen\u00ed vypl\u00e1cena
\npodpora p\u0159i nezam\u011bstnanosti nebo rekvalifikaci, lze zapo\u010d\u00edtat nejv\u00fd\u0161e 3 roky (1 rok p\u0159ed 55. rokem v\u011bku, 2 roky po 55. roku v\u011bku).<\/p>\n

4. Dobrovoln\u00e9 d\u016fchodov\u00e9 poji\u0161t\u011bn\u00ed lze vyu\u017e\u00edt tak\u00e9 v situaci, kdy lid\u00e9 po ur\u010ditou dobu pracuj\u00ed ve st\u00e1t\u011b, se kter\u00fdm \u010cR nem\u00e1 uzav\u0159enou smlouvu o soci\u00e1ln\u00edm zabezpe\u010den\u00ed. K odpracovan\u00e9 dob\u011b z\u00edskan\u00e9 v \u201enesmluvn\u00ed\u201c cizin\u011b nelze pro n\u00e1rok na \u010desk\u00fd d\u016fchod p\u0159ihl\u00e9dnout. Jsou-li po dobu zam\u011bstn\u00e1n\u00ed v \u201enesmluvn\u00ed\u201c cizin\u011b p\u0159ihl\u00e1\u0161eni k \u00fa\u010dasti na dobrovoln\u00e9m d\u016fchodov\u00e9m poji\u0161t\u011bn\u00ed v \u010cR, zajist\u00ed si, \u017ee se jim pro n\u00e1rok na d\u016fchod z \u010desk\u00e9ho poji\u0161t\u011bn\u00ed tato doba zapo\u010dte. Pracuj\u00ed-li lid\u00e9 ve st\u00e1t\u011b EU nebo st\u00e1t\u011b, se kter\u00fdm m\u00e1 \u010cR uzav\u0159enou smlouvu, pro n\u00e1rok na \u010desk\u00fd d\u016fchod lze zpravidla k dob\u011b poji\u0161t\u011bn\u00ed v cizin\u011b p\u0159ihl\u00e9dnout s ohledem na princip s\u010d\u00edt\u00e1n\u00ed dob poji\u0161t\u011bn\u00ed. V tomto p\u0159\u00edpad\u011b by tedy \u00fa\u010dast na dobrovoln\u00e9m d\u016fchodov\u00e9m poji\u0161t\u011bn\u00ed nebyla \u00fa\u010deln\u00e1.<\/p>\n

5. Dal\u0161\u00ed situac\u00ed, kterou je mo\u017en\u00e9 \u0159e\u0161it \u00fa\u010dast\u00ed na dobrovoln\u00e9m d\u016fchodov\u00e9m poji\u0161t\u011bn\u00ed, jsou p\u0159\u00edpady, kdy lid\u00e9 pob\u00edraj\u00ed invalidn\u00ed d\u016fchod prvn\u00edho nebo druh\u00e9ho stupn\u011ba p\u0159i jeho pob\u00edr\u00e1n\u00ed nevykon\u00e1vaj\u00ed v\u00fdd\u011ble\u010dnou \u010dinnost ani nejsou vedeni v evidenci uchaze\u010d\u016f o zam\u011bstn\u00e1n\u00ed u \u00fa\u0159adu pr\u00e1ce. Tato doba jim v budoucnu m\u016f\u017ee chyb\u011bt pro spln\u011bn\u00ed podm\u00ednky pro n\u00e1rok na starobn\u00ed d\u016fchod. P\u0159i pob\u00edr\u00e1n\u00ed invalidn\u00edho d\u016fchodu pro invaliditu t\u0159et\u00edho stupn\u011b v\u0161ak dobrovoln\u00e9 d\u016fchodov\u00e9 poji\u0161t\u011bn\u00ed nen\u00ed \u00fa\u010deln\u00e9, nebo\u0165 tato doba je n\u00e1hradn\u00ed dobou poji\u0161t\u011bn\u00ed a pro n\u00e1rok na starobn\u00ed d\u016fchod se zapo\u010d\u00edt\u00e1.<\/p>\n

6. Dobrovoln\u00e9ho d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed lze vyu\u017e\u00edt i v n\u011bkter\u00fdch situac\u00edch, kdy byla zam\u00edtnuta (nebo by mohla b\u00fdt zam\u00edtnuta) \u017e\u00e1dost o starobn\u00ed nebo invalidn\u00ed d\u016fchod pro nespln\u011bn\u00ed podm\u00ednky pot\u0159ebn\u00e9 doby poji\u0161t\u011bn\u00ed. Odbornou pomoc p\u0159i stanoven\u00ed doby, kterou je nutn\u00e9 pro z\u00edsk\u00e1n\u00ed n\u00e1roku na d\u016fchod doplatit, poskytnou pracovn\u00edci OSSZ.<\/p>\n

D\u016fvody pro \u00fa\u010dast na dobrovoln\u00e9m d\u016fchodov\u00e9m poji\u0161t\u011bn\u00ed uveden\u00e9 v z\u00e1kon\u011b o d\u016fchodov\u00e9m poji\u0161t\u011bn\u00ed:
\nveden\u00ed v evidenci \u00fa\u0159adu pr\u00e1ce jako uchaze\u010de o zam\u011bstn\u00e1n\u00ed, pokud po tuto dobu nen\u00e1le\u017e\u00ed podpora v nezam\u011bstnanosti nebo podpora p\u0159i rekvalifikaci – \u00fa\u010dast je mo\u017en\u00e1 i zp\u011btn\u011b p\u0159ed pod\u00e1n\u00edm p\u0159ihl\u00e1\u0161ky bez \u010dasov\u00e9ho omezen\u00ed,<\/p>\n

soustavn\u00e1 p\u0159\u00edprava na budouc\u00ed povol\u00e1n\u00ed studiem na st\u0159edn\u00ed nebo vysok\u00e9 \u0161kole v \u010cR, s v\u00fdjimkou prvn\u00edch 6 let studia po 18. roce v\u011bku v obdob\u00ed od 1. 1. 1996 do 31. 12. 2009 – \u00fa\u010dast je mo\u017en\u00e1 i zp\u011btn\u011b p\u0159ed pod\u00e1n\u00edm p\u0159ihl\u00e1\u0161ky bez \u010dasov\u00e9ho omezen\u00ed,<\/p>\n

v\u00fdd\u011ble\u010dn\u00e1 \u010dinnost v cizin\u011b po 31. 12. 1995 – \u00fa\u010dast je mo\u017en\u00e1 nejv\u00fd\u0161e v rozsahu dvou let zp\u011btn\u011b p\u0159ede dnem pod\u00e1n\u00ed p\u0159ihl\u00e1\u0161ky,<\/p>\n

v\u00fdkon dlouhodob\u00e9 dobrovolnick\u00e9 slu\u017eby – \u00fa\u010dast je mo\u017en\u00e1 nejv\u00fd\u0161e v rozsahu dvou let zp\u011btn\u011b p\u0159ede dnem pod\u00e1n\u00ed p\u0159ihl\u00e1\u0161ky (nejd\u0159\u00edve od 1. 1. 2003),<\/p>\n

\u010dinnost v \u010cR ve prosp\u011bch zahrani\u010dn\u00edho zam\u011bstnavatele – \u00fa\u010dast je mo\u017en\u00e1 nejv\u00fd\u0161e v rozsahu dvou let zp\u011btn\u011b p\u0159ede dnem pod\u00e1n\u00ed p\u0159ihl\u00e1\u0161ky (nejd\u0159\u00edve od 1. 1. 2009),<\/p>\n

v\u00fdkon funkce poslance Evropsk\u00e9ho parlamentu, zvolen\u00e9ho na \u00fazem\u00ed \u010cR – \u00fa\u010dast je mo\u017en\u00e1 zp\u011btn\u011b p\u0159ed pod\u00e1n\u00edm p\u0159ihl\u00e1\u0161ky bez \u010dasov\u00e9ho omezen\u00ed (nejd\u0159\u00edve od 19. 9. 2009),<\/p>\n

pobyt v cizin\u011b z d\u016fvodu n\u00e1sledov\u00e1n\u00ed man\u017eela, kter\u00fd v cizin\u011b p\u016fsobil v diplomatick\u00fdch slu\u017eb\u00e1ch \u010cR – \u00fa\u010dast je mo\u017en\u00e1 zp\u011btn\u011b p\u0159ed pod\u00e1n\u00edm p\u0159ihl\u00e1\u0161ky bez \u010dasov\u00e9ho omezen\u00ed (nejd\u0159\u00edve od 1. 1. 2010).<\/p>\n

Tabulka: Po\u010det osob dobrovoln\u011b d\u016fchodov\u011b poji\u0161t\u011bn\u00fdch k 31. 12. dan\u00e9ho roku:<\/strong><\/p>\n

rok\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 Po\u010det osob dobrovoln\u011b d\u016fchodov\u011b poji\u0161t\u011bn\u00fdch<\/p>\n

2009\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 3 606
\n2010\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 4 545
\n2011\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 4 545
\n2012\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 5 550
\n2013\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 5 717<\/p>\n

Tiskov\u00e1 zpr\u00e1va MPSV<\/p>\n

ilustra\u010dn\u00ed foto: Ian Britton \/ FreeFoto<\/p>\n","protected":false},"excerpt":{"rendered":"

Zku\u0161enosti pracovn\u00edk\u016f \u010cesk\u00e9 spr\u00e1vy soci\u00e1ln\u00edho zabezpe\u010den\u00ed (\u010cSSZ) ukazuj\u00ed, \u017ee lid\u00e9 se \u010dasto pozd\u011b p\u0159ich\u00e1zej\u00ed poradit, v jak\u00fdch p\u0159\u00edpadech lze vyu\u017e\u00edt dobrovoln\u00e9ho d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed. Pokud toti\u017e […]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":14135,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,9],"tags":[],"class_list":["post-16491","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene","category-zpravy"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/16491","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=16491"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/16491\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/media\/14135"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=16491"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=16491"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=16491"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}