{"id":19581,"date":"2015-10-24T09:27:10","date_gmt":"2015-10-24T07:27:10","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=19581"},"modified":"2015-10-24T09:27:10","modified_gmt":"2015-10-24T07:27:10","slug":"vypocetli-vam-nizky-duchod-zkuste-pozadat-stat-o-davky","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=19581","title":{"rendered":"Vypo\u010detli v\u00e1m n\u00edzk\u00fd d\u016fchod? Zkuste po\u017e\u00e1dat st\u00e1t o d\u00e1vky"},"content":{"rendered":"

L\u00e9ta p\u0159ib\u00fdvaj\u00ed, a a\u010dkoli jste se je\u0161t\u011b ned\u00e1vno sm\u00e1li, \u017ee d\u016fchodu od st\u00e1tu se nikdy nedo\u010dk\u00e1te, nyn\u00ed se sna\u017e\u00edte vyznat ve v\u0161ech t\u011bch starobn\u00edch a p\u0159ed\u010dasn\u00fdch penz\u00edch. Porad\u00edme v\u00e1m, jak o n\u011b \u017e\u00e1dat.<\/strong><\/p>\n

Jolana Nov\u00e1kov\u00e1 Pen\u00edze, kter\u00e9 m\u016f\u017eete od st\u00e1tu z\u00edskat ve vy\u0161\u0161\u00edm v\u011bku, to jsou zejm\u00e9na d\u016fchody. Av\u0161ak nejen ty.
\nProto\u017ee star\u0161\u00ed lid\u00e9 h\u016f\u0159e sh\u00e1n\u011bj\u00ed zam\u011bstn\u00e1n\u00ed, je mo\u017en\u00e9, \u017ee si p\u016fjdou pro podporu v nezam\u011bstnanosti na \u00fa\u0159ad pr\u00e1ce. Zat\u00edmco mlad\u0161\u00ed na ni maj\u00ed n\u00e1rok jen p\u011bt m\u011bs\u00edc\u016f, lid\u00e9 mezi 50 a 55 lety ji mohou dost\u00e1vat a\u017e osm m\u011bs\u00edc\u016f a ti nad 55 let jeden\u00e1ct m\u011bs\u00edc\u016f.
\nPokud v\u0161ak pr\u00e1ci nese\u017eenou ani pot\u00e9, je mo\u017en\u00e9, \u017ee vyu\u017eij\u00ed st\u00e1tn\u00ed soci\u00e1ln\u00ed podpory a z\u00edskaj\u00ed p\u0159\u00edsp\u011bvek na bydlen\u00ed, \u010di dokonce d\u00e1vky v hmotn\u00e9 nouzi (\u010dt\u011bte o nich na dal\u0161\u00ed dvoustran\u011b).
\nKdy\u017e se k v\u011bku p\u0159idru\u017e\u00ed i zhor\u0161en\u00fd zdravotn\u00ed stav, je mo\u017en\u00e9, \u017ee v\u00e1m vznikne n\u00e1rok na p\u0159\u00edsp\u011bvek na p\u00e9\u010di, dostanete mo\u017enost vyu\u017e\u00edt statusu zdravotn\u011b posti\u017een\u00e9ho \u010di v\u00e1m bude p\u0159izn\u00e1n invalidn\u00ed d\u016fchod.
\nO podporu v nezam\u011bstnanosti i o d\u00e1vky a zdravotn\u00ed p\u0159\u00edsp\u011bvky se chod\u00ed \u017e\u00e1dat na \u00fa\u0159ad pr\u00e1ce, \u017e\u00e1dost o v\u0161echny typy d\u016fchod\u016f p\u0159edkl\u00e1d\u00e1te \u010cesk\u00e9 spr\u00e1v\u011b soci\u00e1ln\u00edho zabezpe\u010den\u00ed. V\u017edy podle m\u00edsta bydli\u0161t\u011b. Jen kdy\u017e chcete vyu\u017e\u00edt takzvan\u00e9ho p\u0159edd\u016fchodu, jeho\u017e prost\u0159ednictv\u00edm \u010derp\u00e1te pen\u00edze, kter\u00e9 jste si sami naspo\u0159ili, obr\u00e1t\u00edte se na penzijn\u00ed spole\u010dnost, se kterou jste si sjednali smlouvu.<\/p>\n

—<\/p>\n

Starobn\u00ed d\u016fchod Pro koho: Kdo dos\u00e1hl d\u016fchodov\u00e9ho v\u011bku a platil ur\u010ditou dobu soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed. Podm\u00ednky: Nyn\u00ed se odchody do d\u016fchodu t\u00fdkaj\u00ed nejv\u00edc n\u00e1sleduj\u00edc\u00edch ro\u010dn\u00edk\u016f (v\u011bt\u0161\u00ed tabulka). Pot\u0159ebn\u00e1 doba poji\u0161t\u011bn\u00ed se postupn\u011b prodlu\u017euje z p\u016fvodn\u00edch 25 na 35 let: dosa\u017een\u00ed pot\u0159ebn\u00e1 d\u016fchodov\u00e9ho v\u011bku doba poji\u0161t\u011bn\u00ed v roce 2015 31 let v roce 2016 32 let v roce 2017 33 let v roce 2018 34 let po roce 2018 35 let Do pot\u0159ebn\u00e9 doby se po\u010d\u00edtaj\u00ed nejen roky, kdy jste byli zam\u011bstn\u00e1ni \u010di podnikali (a tud\u00ed\u017e platili soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed), ale i takzvan\u00e9 n\u00e1hradn\u00ed doby. Nap\u0159\u00edklad p\u00e9\u010de o d\u00edt\u011b do \u010dty\u0159 let v\u011bku, doba studia (po\u010d\u00edt\u00e1 se jen t\u011bm, kdo studovali do konce roku 2009, a p\u0159itom za studia po 18. narozenin\u00e1ch lze<\/p>\n

zapo\u010d\u00edst jen 6 let), evidence na \u00fa\u0159ad\u011b pr\u00e1ce (doba, za kterou nen\u00e1le\u017e\u00ed podpora v nezam\u011bstnanosti, se zapo\u010d\u00edt\u00e1v\u00e1 jen omezen\u011b)… Jsou mo\u017en\u00e9 v\u00fdjimky, kdy st\u00e1t uzn\u00e1 krat\u0161\u00ed dobu poji\u0161t\u011bn\u00ed, kdy\u017e jste star\u0161\u00ed \u010di pokud v dob\u011b poji\u0161t\u011bn\u00ed nejsou \u017e\u00e1dn\u00e9 n\u00e1hradn\u00ed doby. Podm\u00ednky jsou odli\u0161n\u00e9 pro r\u016fzn\u00e9 ro\u010dn\u00edky narozen\u00ed, je lep\u0161\u00ed sv\u016fj konkr\u00e9tn\u00ed p\u0159\u00edpad konzultovat s pracovn\u00edky \u010cSSZ. Mo\u017enost v\u00fdd\u011blku: Nen\u00ed omezena. V\u00fd\u0161e d\u016fchodu: Zapo\u010d\u00edt\u00e1v\u00e1 v\u00fdd\u011blky, ze kter\u00fdch jste platili pojistn\u00e9, a dobu, po ni\u017e jste pracovali. V\u00fdpo\u010det sest\u00e1v\u00e1 ze z\u00e1kladn\u00ed a procentn\u00ed v\u00fdm\u011bry, zohled\u0148uje i to, jak se v pr\u016fb\u011bhu let m\u011bnila hodnota koruny. V\u00fd\u0161i d\u016fchodu v\u00e1m spo\u010dtou na \u010cSSZ. Jednou za rok ji m\u016f\u017eete po\u017e\u00e1dat o takzvan\u00fd informativn\u00ed osobn\u00ed list, kde zjist\u00edte, jak\u00e9 doby poji\u0161t\u011bn\u00ed a p\u0159\u00edjmy o v\u00e1s spr\u00e1va eviduje. Pokud m\u00e1te shrom\u00e1\u017ed\u011bn\u00e9 informace o sv\u00fdch p\u0159\u00edjmech, m\u016f\u017eete vyu\u017e\u00edt orienta\u010dn\u00ed kalkula\u010dky na www.mpsv.cz\/cs\/2435. Pr\u016fm\u011brn\u00e1 v\u00fd\u0161e starobn\u00edho d\u016fchodu je nyn\u00ed 12 251 (mu\u017ei) a 10 044 korun (\u017eeny). Kde \u017e\u00e1dat: \u010cesk\u00e1 spr\u00e1va soci\u00e1ln\u00edho zabezpe\u010den\u00ed podle bydli\u0161t\u011b. Doba vypl\u00e1cen\u00ed: Do\u017eivotn\u011b.<\/p>\n

rok \u017eeny s po\u010dtem vychovan\u00fdch d\u011bt\u00ed narozen\u00ed mu\u017ei 0 1 2 3 \u010di 4 5 a v\u00edce 1951 62 r+8m 61 r+4m 60 r 58 r+8 m 57 r+4 m 56 r 1952 62 r+10m 61 r+8m 60 r+4m 59 r 57 r+8 m 56 r+4 m 1953 63 r 62r 60 r+8m 59 r+4m 58 r 56 r+8 m 1954 63 r+2m 62 r+4m 61 r 59 r+8 m 58 r+4 m 57 r 1955 63 r+4m 62 r+8m 61 r+4m 60 r 58 r+8 m 57 r+4 m 1956 63 r+6m 63 r+2m 61 r+8m 60 r+4m 59 r 57 r+8 m 1957 63 r+8m 63 r+8m 62 r+2m 60 r+8m 59 r+4m 58 r 1958 63 r+10m 63 r+10m 62 r+8m 61 r+2m 59 r+8m 58 r+4 m 1959 64 r 64r 63 r+2m 61 r+8m 60 r+2m 58 r+8 m 1960 64 r+2m 64 r+2m 63 r+8m 62 r+2m 60 r+8m 59 r+2 m<\/p>\n

P\u0159ed\u010dasn\u00fd d\u016fchod Pro koho: M\u016f\u017ee ho \u010derpat ten, komu zb\u00fdvaj\u00ed nejv\u00fd\u0161e t\u0159i roky do odchodu do \u0159\u00e1dn\u00e9ho starobn\u00edho d\u016fchodu (p\u0159\u00edpadn\u011b p\u011bt let, kdy\u017e je d\u016fchodov\u00fd v\u011bk alespo\u0148 63 let a je-li star\u0161\u00ed 60 let), vypl\u00e1c\u00ed se ze st\u00e1tn\u00edch pen\u011bz, tak\u017ee \u0159\u00e1dn\u00fd d\u016fchod je pak ni\u017e\u0161\u00ed. Podm\u00ednky: Sr\u00e1\u017eka vypo\u010d\u00edtan\u00e9ho d\u016fchodu z\u00e1vis\u00ed na d\u00e9lce doby, kdy p\u0159ed\u010dasn\u00fd d\u016fchod \u010derp\u00e1te. Z\u00e1kladn\u00ed v\u00fdm\u011bra se nekr\u00e1t\u00ed, procentn\u00ed ano. Ta se sni\u017euje o ur\u010dit\u00e1 procenta za ka\u017ed\u00fdch 90 dn\u00ed, o kter\u00e9 jdete do penze d\u0159\u00edve. A \u010d\u00edm d\u0159\u00edve to je, t\u00edm jsou ta „ur\u010dit\u00e1“ procenta vy\u0161\u0161\u00ed. Nap\u0159\u00edklad odejdete-li do penze 90 dn\u00ed p\u0159ed dosa\u017een\u00edm d\u016fchodov\u00e9ho v\u011bku, bude sr\u00e1\u017eka \u010dinit 0,9 procenta z v\u00fdpo\u010dtov\u00e9ho z\u00e1kladu, odejdeteli d\u0159\u00edve o cel\u00e9 t\u0159i roky, bude v\u00fdpo\u010dtov\u00fd z\u00e1klad ni\u017e\u0161\u00ed o 15,9 procenta.<\/p>\n

Kr\u00e1cen\u00ed za p\u0159ed\u010dasn\u00fd odchod je trval\u00e9, po dosa\u017een\u00ed d\u016fchodov\u00e9ho v\u011bku se va\u0161e penze nebude zvy\u0161ovat (krom\u011b plo\u0161n\u00e9 valorizace d\u016fchod\u016f). Mo\u017enost v\u00fdd\u011blku: P\u0159ivyd\u011blat si m\u016f\u017eete, ale jen tolik, abyste z p\u0159\u00edjmu neplatili soci\u00e1ln\u00ed poji\u0161t\u011bn\u00ed (nap\u0159\u00edklad formou dohody o proveden\u00ed pr\u00e1ce do 10 000 korun m\u011bs\u00ed\u010dn\u011b). Pokud m\u00e1te \u0161anci, \u017ee si vyd\u011bl\u00e1te v\u00edc, m\u016f\u017eete p\u0159ed\u010dasn\u00fd d\u016fchod p\u0159eru\u0161it, vyplat\u00ed se v\u0161ak p\u0159itom pracovat alespo\u0148 90 dn\u00ed \u2013 bude pro v\u00e1s pak p\u0159\u00edzniv\u011bj\u0161\u00ed v\u00fdpo\u010det \u0159\u00e1dn\u00e9 penze. Doba vypl\u00e1cen\u00ed: Do vzniku n\u00e1roku na \u0159\u00e1dn\u00fd d\u016fchod, nejv\u00fd\u0161e t\u0159i roky (p\u0159\u00edpadn\u011b p\u011bt let). Lze p\u0159eru\u0161it, nap\u0159\u00edklad v p\u0159\u00edpad\u011b, \u017ee najdete zam\u011bstn\u00e1n\u00ed. Kde \u017e\u00e1dat: \u010cesk\u00e1 spr\u00e1va soci\u00e1ln\u00edho zabezpe\u010den\u00ed podle bydli\u0161t\u011b. Ot\u00e1zka: Je t\u0159eba pro n\u00e1rok na p\u0159ed\u010dasn\u00fd d\u016fchod splnit podm\u00ednku pot\u0159ebn\u00e9 doby d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed? Ano. Pot\u0159ebn\u00e1 doba je p\u0159itom takov\u00e1, jak\u00e1 je stanovena pro \u0159\u00e1dn\u00fd starobn\u00ed d\u016fchod.<\/p>\n

P\u0159edd\u016fchod<\/p>\n

Pro koho: M\u016f\u017ee ho vyu\u017e\u00edt ten, kdo si naspo\u0159il dost pen\u011bz a m\u016f\u017ee z nich \u017e\u00edt a\u017e p\u011bt let p\u0159ed odchodem do \u0159\u00e1dn\u00e9ho starobn\u00edho d\u016fchodu. Doba pob\u00edr\u00e1n\u00ed p\u0159edd\u016fchodu je takzvan\u011b vylou\u010den\u00e1“ \u2013 nepo\u010d\u00edt\u00e1 se p\u0159i v\u00fdpo\u010dtu penze, tak\u017ee kr\u00e1cen\u00ed \u0159\u00e1dn\u00e9ho d\u016fchodu nen\u00ed takov\u00e9 jako u toho p\u0159ed\u010dasn\u00e9ho. V\u011bk: Do p\u0159edd\u016fchodu m\u016f\u017ee odej\u00edt \u010dlov\u011bk nejd\u0159\u00edve p\u011bt let p\u0159ed d\u016fchodov\u00fdm v\u011bkem stejn\u011b star\u00e9ho mu\u017ee \u2013 u \u017een se tedy nehled\u00ed na po\u010det vychovan\u00fdch d\u011bt\u00ed ani na to, \u017ee jsou \u017eeny. Podm\u00ednky: Pen\u00edze je t\u0159eba m\u00edt naspo\u0159en\u00e9 formou dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed (d\u0159\u00edve penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed). Nen\u00ed v\u0161ak nutn\u00e9, abyste m\u011bli produkt sjednan\u00fd u\u017e l\u00e9ta a pravideln\u011b v n\u011bm spo\u0159ili \u2013 pen\u00edze je mo\u017en\u00e9 na smlouvu vlo\u017eit jednor\u00e1zov\u011b odjinud. P\u011bt let spo\u0159en\u00ed p\u0159ed<\/p>\n

je, tak\u017ee nelze sjednat novou smlouvu, vlo\u017eit na ni kapit\u00e1l a p\u0159estat pracovat. P\u0159\u00edklad: Na ka\u017ed\u00fd m\u011bs\u00edc pl\u00e1novan\u00e9ho p\u0159edd\u016fchodu mus\u00edte m\u00edt rezervu 30 procent pr\u016fm\u011brn\u00e9 mzdy (asi 7 350 korun). Na dvoulet\u00fd p\u0159edd\u016fchod tak pot\u0159ebujete minim\u00e1ln\u011b 176 500 korun, na p\u011btilet\u00fd 441 000 korun. Mo\u017enost v\u00fdd\u011blku: Nen\u00ed omezena. Doba vypl\u00e1cen\u00ed: Do vzniku n\u00e1roku na \u0159\u00e1dn\u00fd d\u016fchod, nejm\u00e9n\u011b dva roky, nejv\u00fd\u0161e p\u011bt let. P\u0159edd\u016fchod nelze pozastavit ani sni\u017eovat vypl\u00e1cenou \u010d\u00e1stku, lze ho ukon\u010dit a odej\u00edt do starobn\u00edho \u010di p\u0159ed\u010dasn\u00e9ho d\u016fchodu. Kde \u017e\u00e1dat: U sv\u00e9 penzijn\u00ed spole\u010dnosti (d\u0159\u00edve penzijn\u00ed fond). Ot\u00e1zka: Jak\u00e1 je vlastn\u011b v\u00fdhoda p\u0159edd\u016fchodu? M\u016f\u017eete si p\u0159ivyd\u011blat, st\u00e1t za v\u00e1s plat\u00ed zdravotn\u00ed poji\u0161t\u011bn\u00ed stejn\u011b, jako byste ji\u017e dos\u00e1hli d\u016fchodov\u00e9ho v\u011bku.<\/p>\n

Vdovsk\u00fd d\u016fchod Pro koho: T\u00e9\u017e vdoveck\u00fd. Pro osobu, kter\u00e9 zem\u0159el\/a man\u017eel\/ka, kter\u00fd\/\u00e1: * s\u00e1m dost\u00e1val starobn\u00ed \u010di invalidn\u00ed d\u016fchod, nebo * ke dni smrti splnil podm\u00ednky pro n\u00e1rok na invalidn\u00ed d\u016fchod \u010di podm\u00ednky n\u00e1roku na starobn\u00ed penzi, nebo * zem\u0159el n\u00e1sledkem pracovn\u00edho \u00farazu (nemoci z povol\u00e1n\u00ed). Doba vypl\u00e1cen\u00ed: Po dobu jednoho roku od smrti man\u017eela. Del\u0161\u00ed doba vypl\u00e1cen\u00ed d\u016fchodu je mo\u017en\u00e1, jen pokud poz\u016fstal\u00fd pe\u010duje o nezaopat\u0159en\u00e9 d\u00edt\u011b. Anebo o d\u00edt\u011b, o sv\u00e9ho rodi\u010de \u010di rodi\u010de zem\u0159el\u00e9ho man\u017eela, kte\u0159\u00ed jsou z\u00e1visl\u00ed na p\u00e9\u010di jin\u00e9 osoby ve stupni II a\u017e<\/p>\n

IV. Stejn\u011b tak, je-li s\u00e1m invalidn\u00ed ve stupni III \u010di je s\u00e1m v d\u016fchodov\u00e9m v\u011bku (nebo by ho dos\u00e1hl do \u010dty\u0159 let \u2013 to se posuzuje vzhledem k d\u016fchodov\u00e9mu v\u011bku mu\u017e\u016f, nebere se ohled na po\u010det d\u011bt\u00ed). Plat\u00ed, \u017ee kdy\u017e po roce od smrti man\u017eela n\u00e1rok zanikne a do dvou let je spln\u011bna n\u011bkter\u00e1 z uveden\u00fdch podm\u00ednek, pr\u00e1vo na poz\u016fstalostn\u00ed d\u016fchod se obnov\u00ed. V\u00fd\u0161e d\u016fchodu: v\u00fdpo\u010det je podobn\u011b slo\u017eit\u00fd jako u d\u016fchodu starobn\u00edho \u2013 op\u011bt zde hraj\u00ed roli z\u00e1kladn\u00ed v\u00fdm\u011bra a procentn\u00ed v\u00fdm\u011bra. P\u0159\u00edklad: Mu\u017e a \u017eena oba pob\u00edraj\u00ed starobn\u00ed d\u016fchod 10 000 K\u010d. Kdy\u017e jeden z nich zem\u0159e, druh\u00fd m\u00e1 ke sv\u00e9 starobn\u00ed penzi n\u00e1rok na vdovsk\u00fd\/vdoveck\u00fd d\u016fchod 1 900 K\u010d. Kde \u017e\u00e1dat: \u010cesk\u00e1 spr\u00e1va soc. zabezpe\u010den\u00ed dle bydli\u0161t\u011b.<\/p>\n

MF DNES<\/p>\n","protected":false},"excerpt":{"rendered":"

L\u00e9ta p\u0159ib\u00fdvaj\u00ed, a a\u010dkoli jste se je\u0161t\u011b ned\u00e1vno sm\u00e1li, \u017ee d\u016fchodu od st\u00e1tu se nikdy nedo\u010dk\u00e1te, nyn\u00ed se sna\u017e\u00edte vyznat ve v\u0161ech t\u011bch starobn\u00edch a […]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":7608,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-19581","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zpravy"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/19581","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=19581"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/19581\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/media\/7608"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=19581"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=19581"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=19581"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}