BRATISLAVA – Od 1. j\u00fala vst\u00fapila do platnosti nen\u00e1padn\u00e1, no mimoriadne d\u00f4le\u017eit\u00e1 zmena. Zv\u00fd\u0161enie \u017eivotn\u00e9ho minima toti\u017e zv\u00fd\u0161ilo aj sumu minim\u00e1lnej v\u00fd\u0161ky pred\u010dasn\u00e9ho d\u00f4chodku. To m\u00f4\u017ee mnoh\u00fdm prekazi\u0165 pl\u00e1novan\u00fd odchod do pred\u010dasn\u00e9ho d\u00f4chodku.<\/p>\n
Od v\u00fd\u0161ky \u017eivotn\u00e9ho minima sa od j\u00fala odv\u00edja aj pr\u00edsnej\u0161ia hranica, ktor\u00fa mus\u00ed sp\u013a\u0148a\u0165 ka\u017ed\u00fd, kto chce od\u00eds\u0165 do pred\u010dasn\u00e9ho d\u00f4chodku. Soci\u00e1lna pois\u0165ov\u0148a toti\u017e pred\u010dasn\u00fa penziu prizn\u00e1 len vtedy, ak vypo\u010d\u00edtan\u00e1 suma po kr\u00e1ten\u00ed dosiahne z\u00e1konom stanoven\u00e9 minimum. Tento mechanizmus m\u00e1 zabr\u00e1ni\u0165 tomu, aby \u013eudia odch\u00e1dzali z pracovn\u00e9ho \u017eivota s pr\u00edjmom, ktor\u00fd by ich mohol dosta\u0165 do hmotnej n\u00fadze.<\/p>\n
Soci\u00e1lna pois\u0165ov\u0148a vysvet\u013euje, \u017ee n\u00e1rok na pred\u010dasn\u00fd d\u00f4chodok vznikne len vtedy, ak vypo\u010d\u00edtan\u00e1 v\u00fd\u0161ka d\u00f4chodku presiahne 1,6-n\u00e1sobok sumy \u017eivotn\u00e9ho minima. Do konca j\u00fana 2026 bolo stanoven\u00e9 \u017eivotn\u00e9 minimum na 284,13 eura a s t\u00fdm s\u00favisiaca\u00a0pred\u010dasn\u00e1 penzia musela by\u0165 minim\u00e1lne 454,70 eura mesa\u010dne.\u00a0Od 1. j\u00fala 2026 sa \u017eivotn\u00e9 minimum zv\u00fd\u0161ilo na 295,22 eura.\u00a0„Pre \u017eiadate\u013eov to znamen\u00e1, \u017ee n\u00e1rok na pred\u010dasn\u00fd starobn\u00fd d\u00f4chodok vznikne a\u017e od 472,40 eura mesa\u010dne,“ vysvet\u013euje.<\/p>\n
„Za rovnak\u00fdch podmienok z\u00edskavate n\u00e1rok, ak ste si sporili aj v II. pilieri, pri\u010dom v\u00fdsledn\u00e1 suma je s\u00fa\u010dtom s\u00fam pred\u010dasn\u00e9ho starobn\u00e9ho d\u00f4chodku a pred\u010dasn\u00e9ho starobn\u00e9ho d\u00f4chodku z II. piliera. T\u00e1 v\u0161ak mus\u00ed by\u0165 op\u00e4\u0165 vy\u0161\u0161ia ako 1,6-n\u00e1sobok sumy \u017eivotn\u00e9ho minima pre plnolet\u00fa fyzick\u00fa osobu,“ vyvet\u013euje \u010falej Soci\u00e1lna pois\u0165ov\u0148a.<\/p>\n
V realite to znamen\u00e1, \u017ee \u017eiadate\u013e o pred\u010dasn\u00fa penziu potrebuje ma\u0165 pribli\u017ene o 18 eur vy\u0161\u0161iu po\u017eadovan\u00fa sumu, ne\u017e bola v prvom polroku. K\u00fdm za\u010diatkom roka by mu sta\u010dila suma 472 eur na odchod do d\u00f4chodku, od 1. j\u00fala mu tak\u00fa \u017eiados\u0165 zamietnu.<\/p>\n
Spr\u00edsnenie podmienok mohlo zasiahnu\u0165 najm\u00e4 \u013eud\u00ed s n\u00edzkymi celo\u017eivotn\u00fdmi pr\u00edjmami, ako s\u00fa napr\u00edklad pracovn\u00edci s minim\u00e1lnou mzdou, zamestnanci na \u010diasto\u010dn\u00fd \u00fav\u00e4zok \u010di \u017eivnostn\u00edci ktor\u00ed dlhodobo odv\u00e1dzali len minim\u00e1lne poistn\u00e9. Po kr\u00e1ten\u00ed za pred\u010dasn\u00fd odchod sa ich d\u00f4chodok m\u00f4\u017ee dosta\u0165 pod z\u00e1konn\u00fa hranicu, a t\u00fdm p\u00e1dom n\u00e1rok v\u00f4bec nevznikne.<\/p>\n
Kto m\u00e1 n\u00e1rok na pred\u010dasn\u00fd d\u00f4chodok<\/p>\n
Pred\u010dasn\u00fd starobn\u00fd d\u00f4chodok m\u00f4\u017ee pom\u00f4c\u0165 najm\u00e4 t\u00fdm, ktor\u00ed tesne pred dov\u0155\u0161en\u00edm d\u00f4chodku pri\u0161li o pr\u00e1cu a mo\u017enos\u0165 n\u00e1js\u0165 si nov\u00fa je m\u00e1lo pravdepodobn\u00e1 alebo si dlhodobo pr\u00e1cu nedok\u00e1\u017eu n\u00e1js\u0165 a\u00a0nemaj\u00fa in\u00e9 mo\u017enosti rie\u0161enia svojej ekonomickej situ\u00e1cie.<\/p>\n
arch\u00edvne video<\/p>\n
Erik Tom\u00e1\u0161 Prv\u00e1 invest\u00edcia z 2. piliera do slovensk\u00fdch projektov\t\t(Zdroj: TASR\/\u013dubo\u0161 Pilc)\t<\/p>\n
N\u00e1rok na pred\u010dasn\u00fd starobn\u00fd d\u00f4chodok vznik\u00e1 vtedy, ak \u017eiadate\u013e z\u00edskal aspo\u0148 15 rokov d\u00f4chodkov\u00e9ho poistenia, ch\u00fdbaj\u00fa mu najviac dva roky do dov\u0155\u0161enia d\u00f4chodkov\u00e9ho veku alebo z\u00edskal potrebn\u00e9 odpracovan\u00e9 obdobie\u00a0a suma jeho pred\u010dasn\u00e9ho starobn\u00e9ho d\u00f4chodku je vy\u0161\u0161ia ako 1,6-n\u00e1sobku sumy \u017eivotn\u00e9ho minima pre jednu plnolet\u00fa fyzick\u00fa osobu.\u00a0<\/p>\n
V\u00fd\u0161ka d\u00f4chodku teda z\u00e1vis\u00ed od d\u013a\u017eky z\u00edskan\u00e9ho obdobia d\u00f4chodkov\u00e9ho poistenia, od v\u00fd\u0161ky hrub\u00fdch z\u00e1robkov, ktor\u00e9 pracuj\u00faci za svoj pracovn\u00fd \u017eivot z\u00edska a tie\u017e od toho, \u010di bol sporite\u013eom v II. d\u00f4chodkovom pilieri a z\u00edskal obdobie \u00fa\u010dasti na starobnom d\u00f4chodkovom sporen\u00ed.<\/p>\n
Suma pred\u010dasn\u00e9ho starobn\u00e9ho d\u00f4chodku – v\u00fdpo\u010det<\/p>\n
Suma pred\u010dasn\u00e9ho starobn\u00e9ho d\u00f4chodku ku d\u0148u vzniku n\u00e1roku na jeho v\u00fdplatu sa ur\u010d\u00ed tak, \u017ee sa\u00a0najsk\u00f4r vypo\u010d\u00edta pln\u00e1 suma d\u00f4chodku<\/p>\n
POMB x ODP x ADH<\/p>\n
POMB =\u00a0priemern\u00fd osobn\u00fd mzdov\u00fd bod<\/p>\n
ODP = s\u00fa\u010det\u00a0obdobia d\u00f4chodkov\u00e9ho poistenia\u00a0z\u00edskan\u00e9ho ku d\u0148u vzniku n\u00e1roku na pred\u010dasn\u00fd starobn\u00fd d\u00f4chodok<\/p>\n
ADH =\u00a0aktu\u00e1lna d\u00f4chodkov\u00e1 hodnota\u00a0ku d\u0148u vzniku n\u00e1roku na v\u00fdplatu d\u00f4chodku<\/p>\n
Pln\u00e1 suma d\u00f4chodku sa zn\u00ed\u017ei o 0,5 % za ka\u017ed\u00fdch za\u010dat\u00fdch 30 dn\u00ed obdobia od vzniku n\u00e1roku na pred\u010dasn\u00fd starobn\u00fd d\u00f4chodok do dov\u0155\u0161enia\u00a0d\u00f4chodkov\u00e9ho veku. Za 365 dn\u00ed sa suma d\u00f4chodku zn\u00ed\u017ei o 6,5 %.<\/p>\n
Pri zni\u017eovan\u00ed sa prihliada aj na zvy\u0161ky dn\u00ed krat\u0161ie ako 30 dn\u00ed, to znamen\u00e1, \u017ee\u00a0d\u00f4chodok sa zni\u017euje aj za menej ako 30 dn\u00ed.<\/p>\n
\u017diadate\u013e z\u00e1rove\u0148 mus\u00ed ma\u0165 ukon\u010den\u00fd pracovn\u00fd pomer a nesmie pracova\u0165 ani ako \u017eivnostn\u00edk. „Ak toti\u017e plat\u00edte odvody na povinn\u00e9 d\u00f4chodkov\u00e9 poistenie, nie je mo\u017en\u00e9 vypl\u00e1ca\u0165 pred\u010dasn\u00fd starobn\u00fd d\u00f4chodok,“ upozor\u0148uje Soci\u00e1lna pois\u0165ov\u0148a. V\u0161etky detaily ako po\u017eiada\u0165 o pred\u010dasn\u00fd d\u00f4chodok n\u00e1jdete na jej webe<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"BRATISLAVA – Od 1. j\u00fala vst\u00fapila do platnosti nen\u00e1padn\u00e1, no mimoriadne d\u00f4le\u017eit\u00e1 zmena. Zv\u00fd\u0161enie \u017eivotn\u00e9ho minima toti\u017e zv\u00fd\u0161ilo…\n","protected":false},"author":2,"featured_media":140337,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[6],"tags":[43510,17690,2408,43,40,44,39,42,45,41],"class_list":["post-140336","post","type-post","status-publish","format-standard","has-post-thumbnail","category-slovensko","tag-minimalna-vyska","tag-narok","tag-predcasny-dochodok","tag-sk","tag-slovak","tag-slovak-republic","tag-slovakia","tag-slovencina","tag-slovenska-republika","tag-slovensko"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@sk\/117029779877740481","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/140336","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/comments?post=140336"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/posts\/140336\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media\/140337"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/media?parent=140336"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/categories?post=140336"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/sk\/wp-json\/wp\/v2\/tags?post=140336"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}