{"id":50338,"date":"2024-07-01T13:39:56","date_gmt":"2024-07-01T11:39:56","guid":{"rendered":"https:\/\/www.invarena.cz\/?p=50338"},"modified":"2024-07-01T13:39:57","modified_gmt":"2024-07-01T11:39:57","slug":"v-predcasnem-duchodu-je-mozny-jen-maly-privydelek-pozor-na-prisna-omezeni","status":"publish","type":"post","link":"https:\/\/www.invarena.cz\/?p=50338","title":{"rendered":"V p\u0159ed\u010dasn\u00e9m d\u016fchodu je mo\u017en\u00fd jen mal\u00fd p\u0159iv\u00fdd\u011blek, pozor na p\u0159\u00edsn\u00e1 omezen\u00ed"},"content":{"rendered":"\n<p><strong>P\u0159ed\u010dasn\u00fd starobn\u00ed d\u016fchod m\u00e1 zajistit p\u0159\u00edjem lidem&nbsp;p\u0159edd\u016fchodov\u00e9ho v\u011bku, kte\u0159\u00ed z&nbsp;n\u011bjak\u00e9ho d\u016fvodu nemohou pracovat. Po odchodu do p\u0159ed\u010dasn\u00e9ho starobn\u00edho d\u016fchodu pak ze z\u00e1kona pracovat t\u00e9m\u011b\u0159 nemohou, tedy a\u017e na z\u00e1konem stanoven\u00e9 v\u00fdjimky.<\/strong><\/p>\n\n\n\n<p>\u010cast\u00fdm d\u016fvodem \u017e\u00e1dosti o p\u0159ed\u010dasn\u00fd starobn\u00ed d\u016fchod b\u00fdv\u00e1 ztr\u00e1ta zam\u011bstn\u00e1n\u00ed, del\u0161\u00ed nezam\u011bstnanost v&nbsp;p\u0159edd\u016fchodov\u00e9m v\u011bku bez vyhl\u00eddky na&nbsp;z\u00edsk\u00e1n\u00ed nov\u00e9 pr\u00e1ce nebo p\u0159ib\u00fdvaj\u00edc\u00ed zdravotn\u00ed komplikace, p\u0159\u00edpadn\u011b p\u00e9\u010de o nemocn\u00e9 bl\u00edzk\u00e9. V\u0161ichni, kte\u0159\u00ed si \u017e\u00e1daj\u00ed o p\u0159ed\u010dasn\u00fd starobn\u00ed d\u016fchod, maj\u00ed spole\u010dn\u00e9 jedno: pot\u0159ebu zabezpe\u010dit si n\u00e1klady na \u017eivot pr\u00e1v\u011b prost\u0159ednictv\u00edm&nbsp;p\u0159ed\u010dasn\u00e9ho d\u016fchodu. A to i p\u0159esto, \u017ee jejich d\u016fchod bude ni\u017e\u0161\u00ed, trvale kr\u00e1cen\u00fd a s&nbsp;omezen\u00fdmi mo\u017enostmi pracovat, dokud nedos\u00e1hnou d\u016fchodov\u00e9ho v\u011bku.<\/p>\n\n\n\n<p><strong>Podm\u00ednky pro p\u0159izn\u00e1n\u00ed p\u0159ed\u010dasn\u00e9ho starobn\u00edho d\u016fchodu<\/strong><\/p>\n\n\n\n<p>Z\u00e1kladn\u00ed podm\u00ednkou pro p\u0159izn\u00e1n\u00ed tohoto d\u016fchodu je z\u00edsk\u00e1n\u00ed pot\u0159ebn\u00e9 doby poji\u0161t\u011bn\u00ed, kter\u00e1 je nyn\u00ed u p\u0159ed\u010dasn\u00e9ho d\u016fchodu stejn\u00e1 jako u \u0159\u00e1dn\u00e9ho, tedy 35 let. Od 1. 10. 2024 se pot\u0159ebn\u00e1 doba poji\u0161t\u011bn\u00ed prodlou\u017e\u00ed na 40 let, a tak bude vy\u0161\u0161\u00ed ne\u017e u \u0159\u00e1dn\u00e9ho starobn\u00edho d\u016fchodu.<\/p>\n\n\n\n<p>Druhou podm\u00ednkou je dosa\u017een\u00ed stanoven\u00e9ho v\u011bku. U p\u0159ed\u010dasn\u00e9ho d\u016fchodu mohou poji\u0161t\u011bnci do dosa\u017een\u00ed d\u016fchodov\u00e9ho v\u011bku ode dne, od n\u011bho\u017e se p\u0159ed\u010dasn\u00fd starobn\u00ed d\u016fchod p\u0159izn\u00e1v\u00e1, chyb\u011bt nejv\u00fd\u0161e 3 roky.<\/p>\n\n\n\n<p><strong>M\u016f\u017ee p\u0159ed\u010dasn\u00fd d\u016fchodce vykon\u00e1vat v\u00fdd\u011ble\u010dnou \u010dinnost?<\/strong><\/p>\n\n\n\n<p>Lid\u00e9, kte\u0159\u00ed pob\u00edraj\u00ed p\u0159ed\u010dasn\u00fd starobn\u00ed d\u016fchod, nesm\u00ed a\u017e do data dosa\u017een\u00ed d\u016fchodov\u00e9ho v\u011bku vykon\u00e1vat v\u00fdd\u011ble\u010dnou \u010dinnost, kter\u00e1 zakl\u00e1d\u00e1 \u00fa\u010dast na poji\u0161t\u011bn\u00ed. Pokud se \u010cSSZ o takov\u00e9 skute\u010dnosti dozv\u00ed, p\u0159ed\u010dasn\u00fd starobn\u00ed d\u016fchod zastav\u00ed a za obdob\u00ed, kdy po\u017eivatel p\u0159ed\u010dasn\u00e9ho starobn\u00edho d\u016fchodu pracoval, mu vyk\u00e1\u017ee p\u0159eplatek na tomto d\u016fchodu.<\/p>\n\n\n\n<p>Od dosa\u017een\u00ed d\u016fchodov\u00e9ho v\u011bku pak plat\u00ed pro p\u0159\u00edjemce p\u0159ed\u010dasn\u00e9ho d\u016fchodu stejn\u00e1 pravidla jako pro \u0159\u00e1dn\u00e9 d\u016fchodce. To znamen\u00e1, \u017ee po dosa\u017een\u00ed d\u016fchodov\u00e9ho v\u011bku ji\u017e mohou vykon\u00e1vat v\u00fdd\u011ble\u010dnou \u010dinnost zakl\u00e1daj\u00edc\u00ed \u00fa\u010dast na poji\u0161t\u011bn\u00ed, tj. neomezen\u011b podnikat \u010di pracovat, a&nbsp;to v&nbsp;pracovn\u00edm pom\u011bru uzav\u0159en\u00e9m na dobu ur\u010ditou i&nbsp;neur\u010ditou. I nad\u00e1le v\u0161ak pob\u00edraj\u00ed p\u0159ed\u010dasn\u00fd d\u016fchod v&nbsp;kr\u00e1cen\u00e9 v\u00fd\u0161i, pouh\u00fdm dosa\u017een\u00edm d\u016fchodov\u00e9ho v\u011bku nedoch\u00e1z\u00ed k&nbsp;p\u0159epo\u010dtu a nav\u00fd\u0161en\u00ed d\u016fchodu.<\/p>\n\n\n\n<p><strong>P\u0159ed\u010dasn\u00ed d\u016fchodci si ov\u0161em mohou p\u0159ivyd\u011blat<\/strong><\/p>\n\n\n\n<p>P\u0159i odchodu do p\u0159ed\u010dasn\u00e9ho starobn\u00edho d\u016fchodu se p\u0159edpokl\u00e1d\u00e1 omezen\u00e1 mo\u017enost v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti. Proto <strong>je mo\u017en\u00fd pouze takov\u00fd p\u0159iv\u00fdd\u011blek<\/strong> (p\u0159\u00edjem z v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti), kter\u00fd nezakl\u00e1d\u00e1 \u00fa\u010dast na d\u016fchodov\u00e9m poji\u0161t\u011bn\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>dohoda o proveden\u00ed pr\u00e1ce s max. p\u0159\u00edjmem do 10 000 K\u010d za m\u011bs\u00edc,<\/li>\n\n\n\n<li>nebo tzv. zam\u011bstn\u00e1n\u00ed mal\u00e9ho rozsahu s p\u0159\u00edjmem, kter\u00fd je ni\u017e\u0161\u00ed ne\u017e rozhodn\u00fd p\u0159\u00edjem 4 000 K\u010d za m\u011bs\u00edc, tzn. p\u0159\u00edjem nejv\u00fd\u0161e 3 999 K\u010d za m\u011bs\u00edc,<\/li>\n\n\n\n<li>u OSV\u010c nesm\u00ed p\u0159\u00edjem z t\u00e9to \u010dinnosti (po odpo\u010dtu v\u00fddaj\u016f) p\u0159es\u00e1hnout z\u00e1konem stanovenou hranici, kter\u00e1 v roce 2024 \u010din\u00ed 8 794 K\u010d za ka\u017ed\u00fd m\u011bs\u00edc v\u00fdkonu samostatn\u00e9 v\u00fdd\u011ble\u010dn\u00e9 \u010dinnosti.<\/li>\n<\/ul>\n\n\n\n<p><strong>Pob\u00edr\u00e1n\u00ed p\u0159ed\u010dasn\u00e9ho starobn\u00edho d\u016fchodu je mo\u017en\u00e9 p\u0159eru\u0161it z&nbsp;d\u016fvodu v\u00fdkonu zam\u011bstn\u00e1n\u00ed<\/strong><\/p>\n\n\n\n<p>Nastoup\u00ed-li p\u0159ed\u010dasn\u00ed d\u016fchodci do zam\u011bstn\u00e1n\u00ed, kter\u00e9 zakl\u00e1d\u00e1 \u00fa\u010dast na poji\u0161t\u011bn\u00ed, mus\u00ed tuto skute\u010dnost ozn\u00e1mit \u010cesk\u00e9 spr\u00e1v\u011b soci\u00e1ln\u00edho zabezpe\u010den\u00ed (\u010cSSZ) nejpozd\u011bji do 8&nbsp;dn\u016f. V\u00fdplata p\u0159ed\u010dasn\u00e9ho starobn\u00edho d\u016fchodu se zastav\u00ed od prvn\u00ed n\u00e1sleduj\u00edc\u00ed v\u00fdplaty (podle \u00a7 56 z\u00e1kona \u010d. 155\/1995 Sb., o d\u016fchodov\u00e9m poji\u0161t\u011bn\u00ed).<\/p>\n\n\n\n<p>Po ukon\u010den\u00ed zam\u011bstn\u00e1n\u00ed nebo p\u0159i dosa\u017een\u00ed d\u016fchodov\u00e9ho v\u011bku si pak o obnoven\u00ed v\u00fdplaty d\u016fchodu mus\u00ed po\u017e\u00e1dat, \u010cSSZ to ned\u011bl\u00e1 automaticky. Procentn\u00ed v\u00fdm\u011bra p\u0159ed\u010dasn\u00e9ho starobn\u00edho d\u016fchodu pak m\u016f\u017ee b\u00fdt zv\u00fd\u0161ena s&nbsp;ohledem na dobu, kterou doty\u010dn\u00fd po&nbsp;p\u0159izn\u00e1n\u00ed p\u0159ed\u010dasn\u00e9ho d\u016fchodu odpracoval. St\u00e1le v\u0161ak jde o&nbsp;p\u0159ed\u010dasn\u00fd starobn\u00ed d\u016fchod. P\u0159izn\u00e1n\u00ed \u0159\u00e1dn\u00e9ho starobn\u00edho d\u016fchodu ji\u017e nen\u00ed mo\u017en\u00e9.<\/p>\n\n\n\n<p><strong>P\u0159ed\u010dasn\u00fd starobn\u00ed d\u016fchod nen\u00ed p\u0159edd\u016fchod<\/strong><\/p>\n\n\n\n<p>P\u0159ed\u010dasn\u00fd starobn\u00ed d\u016fchod a p\u0159edd\u016fchod jsou zcela odli\u0161n\u00e9 pojmy. Zat\u00edmco p\u0159ed\u010dasn\u00fd starobn\u00ed d\u016fchod je d\u00e1vkou poskytovanou st\u00e1tem ze syst\u00e9mu d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed a&nbsp;n\u00e1rok na n\u011bj vznik\u00e1 p\u0159i spln\u011bn\u00ed podm\u00ednek z\u00e1kona o&nbsp;d\u016fchodov\u00e9m poji\u0161t\u011bn\u00ed, p\u0159edd\u016fchod je produktem dopl\u0148kov\u00e9ho penzijn\u00edho spo\u0159en\u00ed (d\u0159\u00edve penzijn\u00edho p\u0159ipoji\u0161t\u011bn\u00ed), kter\u00fd poskytuj\u00ed penzijn\u00ed spole\u010dnosti na z\u00e1klad\u011b \u00faspor, je\u017e si konkr\u00e9tn\u00ed ob\u010dan v&nbsp;tomto syst\u00e9mu naspo\u0159il. P\u0159edd\u016fchod nem\u00e1 \u017e\u00e1dn\u00fd vliv na mo\u017enosti pracovat.<\/p>\n\n\n\n<p>Podrobnosti a mnoho dal\u0161\u00edch informac\u00ed najdete na webu \u010cSSZ <a href=\"https:\/\/www.cssz.cz\/web\/cz\/-\/predcasny-starobni-duchod-v-otazkach-a-odpovedich\"><em>P\u0159ed\u010dasn\u00fd starobn\u00ed d\u016fchod v ot\u00e1zk\u00e1ch a odpov\u011bd\u00edch<\/em><\/a>&nbsp;nebo v <a href=\"https:\/\/www.cssz.cz\/documents\/20143\/1045831\/P%C5%99%C3%ADru%C4%8Dka%20budouc%C3%ADho%20d%C5%AFchodce%202024.pdf\/32b685dd-ba4d-8f18-d581-11b01f857a89sz.cz\/documents\/20143\/1045843\/PNR_2024_ONLINE.pdf\/b5b1387e-13fc-c2ed-2974-1252a44aaa98\"><em>P\u0159\u00edru\u010dce budouc\u00edho d\u016fchodce<\/em><\/a>.<\/p>\n\n\n\n<p><em>Odd\u011blen\u00ed komunikace \u010cSSZ<\/em><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<div class=\"mh-excerpt\"><p>P\u0159ed\u010dasn\u00fd starobn\u00ed d\u016fchod m\u00e1 zajistit p\u0159\u00edjem lidem&nbsp;p\u0159edd\u016fchodov\u00e9ho v\u011bku, kte\u0159\u00ed z&nbsp;n\u011bjak\u00e9ho d\u016fvodu nemohou pracovat. Po odchodu do p\u0159ed\u010dasn\u00e9ho starobn\u00edho d\u016fchodu pak ze z\u00e1kona pracovat t\u00e9m\u011b\u0159 nemohou, <a class=\"mh-excerpt-more\" href=\"https:\/\/www.invarena.cz\/?p=50338\" title=\"V p\u0159ed\u010dasn\u00e9m d\u016fchodu je mo\u017en\u00fd jen mal\u00fd p\u0159iv\u00fdd\u011blek, pozor na p\u0159\u00edsn\u00e1 omezen\u00ed\">[&#8230;]<\/a><\/p>\n<\/div>","protected":false},"author":1,"featured_media":19377,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-50338","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nezarazene"],"_links":{"self":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/50338","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=50338"}],"version-history":[{"count":0,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/posts\/50338\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=\/wp\/v2\/media\/19377"}],"wp:attachment":[{"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=50338"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=50338"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invarena.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=50338"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}