{"id":25533,"date":"2016-05-16T09:42:38","date_gmt":"2016-05-16T07:42:38","guid":{"rendered":"http:\/\/www.invarena.cz\/?p=25533"},"modified":"2016-05-16T09:42:50","modified_gmt":"2016-05-16T07:42:50","slug":"zdravotni-pojisteni-a-vdovsky-duchod","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=25533","title":{"rendered":"Zdravotn\u00ed poji\u0161t\u011bn\u00ed a vdovsk\u00fd d\u016fchod"},"content":{"rendered":"

OT\u00c1ZKA :
\nJsem kade\u0159nice, na VZP jsem hl\u00e1\u0161en\u00e1 jako OSV\u010c. Po smrti man\u017eela budu m\u00edt p\u0159iznan\u00fd vdovsk\u00fd d\u016fchod a sly\u0161ela jsem, \u017ee pob\u00edr\u00e1n\u00ed vdovsk\u00e9ho d\u016fchodu m\u00e1 u OSV\u010c n\u011bjak\u00fd vliv na platby zdravotn\u00edho poji\u0161t\u011bn\u00ed. Je to pravda?<\/strong><\/p>\n


\nODPOV\u011a\u010e:<\/strong><\/p>\n

Ano, je to pravda. Od m\u011bs\u00edce, ve kter\u00e9m budete m\u00edt n\u00e1rok na vdovsk\u00fd d\u016fchod po cel\u00fd m\u011bs\u00edc, nebudete muset dodr\u017eet minim\u00e1ln\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad platn\u00fd pro OSV\u010c, a m\u011bs\u00ed\u010dn\u00ed z\u00e1lohy na pojistn\u00e9 tedy budete platit ve v\u00fd\u0161i podle sv\u00fdch skute\u010dn\u00fdch p\u0159\u00edjm\u016f \u2013 tak, jak si je vypo\u010dtete v ka\u017edoro\u010dn\u00edm P\u0159ehledu OSV\u010c. To znamen\u00e1, \u017ee mohou b\u00fdt i ni\u017e\u0161\u00ed, ne\u017e je stanoven\u00e9 minimum pro OSV\u010c. M\u011bs\u00ed\u010dn\u00ed z\u00e1lohy jako takov\u00e9 ale platit mus\u00edte. Od nich jsou „osvobozeny“ jen ty OSV\u010c, kter\u00e9 jsou z\u00e1rove\u0148 zam\u011bstnan\u00e9, a samostatn\u00e1 v\u00fdd\u011ble\u010dn\u00e1 \u010dinnost nen\u00ed hlavn\u00edm zdrojem jejich p\u0159\u00edjm\u016f.<\/p>\n

T\u00edm, \u017ee budete m\u00edt p\u0159iznan\u00fd vdovsk\u00fd d\u016fchod, se za\u0159ad\u00edte do kategorie poji\u0161t\u011bnc\u016f, za kter\u00e9 plat\u00ed pojistn\u00e9 st\u00e1t. St\u00e1t je pl\u00e1tcem pojistn\u00e9ho (mimo jin\u00e9) za po\u017eivatele d\u016fchodu, a to nejen starobn\u00edho, ale i invalidn\u00edho, sirot\u010d\u00edho a vdovsk\u00e9ho\/vdoveck\u00e9ho. N\u00e1rok na platbu pojistn\u00e9ho st\u00e1tem podle z\u00e1kona \u010d. 48\/1997 Sb. m\u00e1 po\u017eivatel d\u016fchodu od doby p\u0159izn\u00e1n\u00ed d\u016fchodu a\u017e do doby, kdy je mu rozhodnut\u00edm d\u016fchod odejmut.<\/p>\n

Nezapome\u0148te ale zdravotn\u00ed poji\u0161\u0165ovn\u011b do 8 dn\u016f ozn\u00e1mit a dolo\u017eit, \u017ee nov\u011b pat\u0159\u00edte do kategorie poji\u0161t\u011bnc\u016f, za kter\u00e9 plat\u00ed pojistn\u00e9 st\u00e1t. Poji\u0161\u0165ovna v\u00e1s mus\u00ed do t\u00e9to kategorie za\u0159adit, aby za v\u00e1s st\u00e1t pojistn\u00e9 za\u010dal platit, to se nestane automaticky. Nejjednodu\u0161\u0161\u00ed je p\u0159ij\u00edt na kter\u00e9koli klientsk\u00e9 pracovi\u0161t\u011b s dokladem o p\u0159izn\u00e1n\u00ed vdovsk\u00e9ho d\u016fchodu. Na\u0161e pracovnice v\u00e1m s vypln\u011bn\u00edm p\u0159\u00edslu\u0161n\u00e9ho formul\u00e1\u0159e i pomohou.<\/p>\n

A\u017e budete pod\u00e1vat ka\u017edoro\u010dn\u00ed p\u0159ehled o p\u0159\u00edjmech a v\u00fddaj\u00edch OSV\u010c, vyzna\u010d\u00edte, ve kter\u00fdch m\u011bs\u00edc\u00edch jste nebyla povinna dodr\u017eet minim\u00e1ln\u00ed vym\u011b\u0159ovac\u00ed z\u00e1klad, a s ohledem na to si vypo\u010dtete pojistn\u00e9 za dan\u00fd kalend\u00e1\u0159n\u00ed rok.<\/p>\n

Pro jistotu p\u0159ipom\u00edn\u00e1me, \u017ee poji\u0161t\u011bnec m\u00e1 povinnost v\u017edy do 8 dn\u016f hl\u00e1sit sv\u00e9 zdravotn\u00ed poji\u0161\u0165ovn\u011b skute\u010dnosti, kter\u00e9 maj\u00ed vliv na vznik i z\u00e1nik povinnosti st\u00e1tu platit za n\u011bj pojistn\u00e9 na zdravotn\u00ed poji\u0161t\u011bn\u00ed. Jakmile by v\u00e1m byl vdovsk\u00fd d\u016fchod odejmut, mus\u00edte to poji\u0161\u0165ovn\u011b ozn\u00e1mit, a musela byste za\u010d\u00edt jako OSV\u010c zase platit pojistn\u00e9 (resp. z\u00e1lohy na pojistn\u00e9) alespo\u0148 ve v\u00fd\u0161i stanoven\u00e9ho minima.<\/p>\n

Mgr. Old\u0159ich Tich\u00fd vedouc\u00ed tiskov\u00e9ho odd\u011blen\u00ed a tiskov\u00fd mluv\u010d\u00ed <\/p>\n","protected":false},"excerpt":{"rendered":"

OT\u00c1ZKA : Jsem kade\u0159nice, na VZP jsem hl\u00e1\u0161en\u00e1 jako OSV\u010c. Po smrti man\u017eela budu m\u00edt p\u0159iznan\u00fd vdovsk\u00fd d\u016fchod a sly\u0161ela jsem, \u017ee pob\u00edr\u00e1n\u00ed vdovsk\u00e9ho d\u016fchodu […]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":13142,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[],"class_list":["post-25533","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-poradna"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/25533","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=25533"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/25533\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/media\/13142"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=25533"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=25533"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=25533"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}