{"id":23855,"date":"2015-12-14T16:34:45","date_gmt":"2015-12-14T15:34:45","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=23855"},"modified":"2015-12-14T16:34:45","modified_gmt":"2015-12-14T15:34:45","slug":"zivot-miva-i-odvracenou-stranu","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=23855","title":{"rendered":"\u017divot m\u00edv\u00e1 i odvr\u00e1cenou stranu"},"content":{"rendered":"

Kvalita pojistn\u00e9 smlouvy by se nem\u011bla uk\u00e1zat a\u017e tehdy, kdy\u017e se n\u011bco stane. M\u016f\u017ee b\u00fdt pozd\u011b.<\/strong><\/p>\n

Bohu\u017eel, lid\u00e9 invaliditu hodn\u011b podce\u0148uj\u00ed. Myln\u011b se domn\u00edvaj\u00ed, \u017ee jich se toto riziko net\u00fdk\u00e1. Mysl\u00ed si, \u017ee kdy\u017e budou opatrn\u00ed a vyhnou se \u00farazu, invalidn\u00ed stav jim nehroz\u00ed. To je v\u0161ak omyl, kter\u00fd m\u016f\u017ee krom\u011b z\u00e1sadn\u00ed \u017eivotn\u00ed zm\u011bny p\u0159in\u00e9st nemal\u00e9 finan\u010dn\u00ed pot\u00ed\u017ee.<\/p>\n

V \u010cesk\u00e9 republice v sou\u010dasnosti \u017eije zhruba 430 tis\u00edc invalidn\u00edch lid\u00ed v produktivn\u00edm v\u011bku. Tento po\u010det se bl\u00ed\u017e\u00ed po\u010dtu nezam\u011bstnan\u00fdch. Ve srovn\u00e1n\u00ed s nezam\u011bstnanost\u00ed je v\u0161ak t\u00e9ma invalidity nepr\u00e1vem opom\u00edjeno. A p\u0159itom se jedn\u00e1 o z\u00e1sadn\u00ed riziko s v\u00e1\u017en\u00fdmi n\u00e1sledky pro \u010dlov\u011bka samotn\u00e9ho i celou rodinu. Invalidn\u00ed d\u016fsledky toti\u017e nepostihuj\u00ed jen \u2013 anebo hlavn\u011b \u2013 star\u0161\u00ed generaci, jak by se zd\u00e1lo, ale p\u0159ev\u00e1\u017en\u011b osoby v produktivn\u00edm v\u011bku. A\u017e jeden z p\u011bti lid\u00ed v produktivn\u00edm v\u011bku se st\u00e1v\u00e1 invalidou.<\/p>\n

Pokles p\u0159\u00edjmu<\/p>\n

Invalidita zat\u00ed\u017e\u00ed rodinn\u00fd rozpo\u010det mnohem v\u00edce ne\u017e \u00famrt\u00ed. P\u0159i jej\u00edm vzniku doch\u00e1z\u00ed nejen k poklesu p\u0159\u00edjm\u016f, ale p\u0159edev\u0161\u00edm k r\u016fstu \u017eivotn\u00edch n\u00e1klad\u016f. Zpravidla je nutn\u00e9 hradit n\u00e1kladnou l\u00e9\u010dbu, p\u0159izp\u016fsobit dom\u00e1cnost pot\u0159eb\u00e1m posti\u017een\u00e9 osoby a \u010dasto je nutn\u00e1 tak\u00e9 intenzivn\u00ed zdravotn\u00ed p\u00e9\u010de.<\/p>\n

„Lid\u00e9 se myln\u011b domn\u00edvaj\u00ed, \u017ee invalidn\u00edmi se mohou st\u00e1t pouze v d\u016fsledku \u00farazu. Pletou si poji\u0161t\u011bn\u00ed invalidity s poji\u0161t\u011bn\u00edm trval\u00fdch n\u00e1sledk\u016f \u00farazu \u2013 ty se v\u0161ak vztahuj\u00ed jen na nepatrn\u00fd zlomek p\u0159\u00edpad\u016f, kdy dojde k v\u00e1\u017en\u00e9mu po\u0161kozen\u00ed zdrav\u00ed. \u00daraz se pod\u00edl\u00ed na vzniku invalidity pouze ze \u010dty\u0159 procent. A\u017e 96 procent invalidn\u00edch d\u016fchod\u016f je p\u0159izn\u00e1no z d\u016fvod\u016f v\u00e1\u017en\u00fdch onemocn\u011bn\u00ed,“ uv\u00e1d\u00ed k problematice Michal Korejs, produktov\u00fd \u0159editel poji\u0161\u0165ovny Aegon.
\nNejv\u011bt\u0161\u00ed pod\u00edl na vzniku invalidity maj\u00ed nemoci svalov\u00e9 a kostern\u00ed soustavy, novotvary, du\u0161evn\u00ed poruchy a r\u016fzn\u00e1 civiliza\u010dn\u00ed onemocn\u011bn\u00ed.<\/p>\n

Sem odborn\u00edci zahrnuj\u00ed nap\u0159\u00edklad roztrou\u0161enou skler\u00f3zu, cukrovku, Crohnovu chorobu, lupenku i astma.<\/p>\n

N\u00e1klady na v\u00fdplaty invalidn\u00edch d\u016fchod\u016f tvo\u0159\u00ed v\u00fdznamnou polo\u017eku st\u00e1tn\u00edho rozpo\u010dtu. V roce 2013 \u0161lo o 44 miliard korun. P\u0159itom od roku 2009 st\u00e1t v\u00fddaje na takzvan\u00e9 nestarobn\u00ed d\u016fchody sni\u017euje. U \u010dlov\u011bka s pr\u016fm\u011brnou mzdou, kter\u00fd v d\u016fsledku invalidity nem\u016f\u017ee pracovat a od st\u00e1tu pob\u00edr\u00e1 invalidn\u00ed d\u016fchod, je propad p\u0159\u00edjm\u016f z\u00e1sadn\u00ed: od 42 procent (3. stupe\u0148 invalidity) a\u017e po 72 procent (1. stupe\u0148 invalidity).<\/p>\n

Rozhoduj\u00ed l\u00e9ka\u0159i<\/p>\n

V sou\u010dasnosti je v nov\u00fdch invalidn\u00edch d\u016fchodech zdaleka nejv\u00edce zastoupen prvn\u00ed stupe\u0148 invalidity (49 procent). Uve\u010fme n\u011bkolik p\u0159\u00edklad\u016f za\u0159azen\u00ed do jednotliv\u00fdch kategori\u00ed.<\/p>\n

Do prvn\u00edho stupn\u011b l\u00e9ka\u0159i za\u0159ad\u00ed \u010dlov\u011bka, kter\u00fd ztratil zrak na jednom oku a druh\u00e9 bylo po\u0161kozeno. D\u00e1le m\u016f\u017ee j\u00edt o amputaci nohy v b\u00e9rci anebo ruky v p\u0159edlokt\u00ed.<\/p>\n

Ve druh\u00e9m stupni invalidity jde nap\u0159\u00edklad o amputaci nohy ve stehn\u011b nebo ruky v rameni. Jin\u00e1 mo\u017en\u00e1 diagn\u00f3za je oboustrann\u00e1 \u00fapln\u00e1 hluchota.<\/p>\n

T\u0159et\u00ed kategorii p\u0159edstavujte t\u0159eba zhoubn\u00fd n\u00e1dor vy\u017eaduj\u00edc\u00ed l\u00e9\u010dbu v d\u00e9lce 12 a\u017e 18 m\u011bs\u00edc\u016f.<\/p>\n

U du\u0161evn\u011b pracuj\u00edc\u00edch lid\u00ed je pravd\u011bpodobnost, \u017ee si zachovaj\u00ed pr\u00e1ci i p\u0159i prvn\u00edm stupni invalidity vy\u0161\u0161\u00ed ne\u017e u fyzicky pracuj\u00edc\u00edch lid\u00ed. I „nejm\u00edrn\u011bj\u0161\u00ed“ invalidita v\u0161ak s sebou nese zv\u00fd\u0161en\u00e9 n\u00e1klady na \u017eivot.<\/p>\n

„U poji\u0161t\u011bn\u00ed invalidity se v\u00edce ne\u017e kde jinde vyplat\u00ed sezn\u00e1mit s podm\u00ednkami ochrany. Je pot\u0159eba, aby smlouva p\u0159esn\u011b definovala, kdy m\u00e1 \u010dlov\u011bk n\u00e1rok na pln\u011bn\u00ed. Jestli poji\u0161\u0165ovna po\u017eaduje pro takov\u00fd p\u0159\u00edpad nevratnost sn\u00ed\u017een\u00e9 pracovn\u00ed schopnosti, jestli je nutn\u00e9 p\u0159izn\u00e1n\u00ed st\u00e1tn\u00edho invalidn\u00edho d\u016fchodu \u010di zda posta\u010d\u00ed l\u00e9ka\u0159sk\u00e1 diagn\u00f3za. D\u016fle\u017eit\u00e9 tak\u00e9 je, zda se poji\u0161t\u011bn\u00ed vztahuje i na \u00farazy a nemoci z povol\u00e1n\u00ed. V neposledn\u00ed \u0159ad\u011b je dobr\u00e9 v\u011bd\u011bt, kter\u00e9 stupn\u011b invalidity jsou do poji\u0161t\u011bn\u00ed zahrnuty,“ vysv\u011btluje Michal Korejs z poji\u0161\u0165ovny Aegon.<\/p>\n

PETRA LES\u00c1KOV\u00c1
\nPra\u017esk\u00fd den\u00edk
\nhttp:\/\/www.prazsky.denik.cz\/<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Kvalita pojistn\u00e9 smlouvy by se nem\u011bla uk\u00e1zat a\u017e tehdy, kdy\u017e se n\u011bco stane. M\u016f\u017ee b\u00fdt pozd\u011b.<\/p>\n<\/div>","protected":false},"author":1,"featured_media":15989,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-23855","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\/23855","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=23855"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/23855\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/media\/15989"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23855"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23855"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23855"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}