{"id":559,"date":"2022-04-22T10:49:37","date_gmt":"2022-04-22T08:49:37","guid":{"rendered":"https:\/\/vecernespravy.sk\/?p=559"},"modified":"2022-04-22T10:49:38","modified_gmt":"2022-04-22T08:49:38","slug":"rozhodovanie-o-predcasnom-dochodku-v-prikladoch","status":"publish","type":"post","link":"https:\/\/vecernespravy.sk\/?p=559","title":{"rendered":"Rozhodovanie o pred\u010dasnom d\u00f4chodku v pr\u00edkladoch"},"content":{"rendered":"\n

Rozhodnutie o term\u00edne odchodu do d\u00f4chodku je individu\u00e1lnou z\u00e1le\u017eitos\u0165ou, pre niekoho je teda pred\u010dasn\u00fd d\u00f4chodok dobrou vo\u013ebou, pre in\u00e9ho nie. Pozrime sa na nieko\u013eko praktick\u00fdch rozhodovac\u00edch situ\u00e1ci\u00ed.<\/p>\n\n\n\n

Z d\u00f4vodu predl\u017eovania riadneho d\u00f4chodkov\u00e9ho veku ob\u013euba pred\u010dasn\u00fdch d\u00f4chodkov z roka na rok st\u00fapa. Aktu\u00e1lne riadny d\u00f4chodkov\u00fd vek z\u00e1vis\u00ed od ro\u010dn\u00edka narodenia au \u017eien od po\u010dtu vychovan\u00fdch det\u00ed. Ob\u010dania maj\u00faci riadny d\u00f4chodkov\u00fd vek vy\u0161\u0161\u00ed ako 63 rokov m\u00f4\u017eu do pred\u010dasn\u00e9ho d\u00f4chodku od\u00eds\u0165 najsk\u00f4r v 60 rokoch. \u017deny, ktor\u00e9 maj\u00fa riadny d\u00f4chodkov\u00fd vek ni\u017e\u0161\u00ed ako 63 rokov, m\u00f4\u017eu do pred\u010dasn\u00e9ho d\u00f4chodku od\u00eds\u0165 najsk\u00f4r tri roky pred dosiahnut\u00edm riadneho d\u00f4chodkov\u00e9ho veku.<\/p>\n\n\n\n

Pred\u010dasn\u00fd d\u00f4chodok je ni\u017e\u0161\u00ed trvalo
Krit\u00e9ri\u00e1 rozhodovania
Pr\u00edklad 1) Maximaliz\u00e1cia d\u00f4chodku
Pr\u00edklad 2) Mo\u017enos\u0165 priv\u00fdrobku na zmluvu na d\u00f4chodku
Pr\u00edklad 3) Zdravotn\u00e9 probl\u00e9my
Pr\u00edklad 4) Strata zamestnania a \u010derpanie podpory
Pr\u00edklad 5) Obdr\u017eanie v\u00fdpovede a okam\u017eit\u00fd odchod do pred\u010dasn\u00e9ho d\u00f4chodku
Pr\u00edklad 6) Pomoc dc\u00e9re s vnukmi
Pred\u010dasn\u00fd d\u00f4chodok v pr\u00edkladoch<\/p>\n\n\n\n

Zdroj: Shutterstock<\/p>\n\n\n\n

Pred\u010dasn\u00fd d\u00f4chodok je ni\u017e\u0161\u00ed trvalo
Pri odchode do pred\u010dasn\u00e9ho d\u00f4chodku je potrebn\u00e9 po\u010d\u00edta\u0165 s trval\u00fdm kr\u00e1ten\u00edm za pred\u010dasnos\u0165 a z\u00edskan\u00edm ni\u017e\u0161ej doby poistenia ako pri pr\u00e1ci a\u017e do dosiahnutia riadneho d\u00f4chodkov\u00e9ho veku. Kr\u00e1tenie sa vykon\u00e1va za ka\u017ed\u00fdch za\u010dat\u00fdch 90 kalend\u00e1rnych dn\u00ed pred\u010dasnosti. \u010c\u00edm sk\u00f4r sa teda do pred\u010dasn\u00e9ho d\u00f4chodku od\u00edde, t\u00fdm vy\u0161\u0161ie kr\u00e1tenie a ni\u017e\u0161\u00ed mesa\u010dn\u00fd d\u00f4chodok.<\/p>\n\n\n\n

Krit\u00e9ri\u00e1 rozhodovania
Ka\u017ed\u00fd ob\u010dan v predd\u00f4chodkovom veku sa nach\u00e1dza v inej situ\u00e1cii a m\u00e1 individu\u00e1lne preferencie, preto pre niekoho m\u00f4\u017ee by\u0165 vhodn\u00e9 od\u00eds\u0165 do pred\u010dasn\u00e9ho d\u00f4chodku u\u017e v 60 rokoch a pre niekoho pracova\u0165 na percent\u00e1 a od\u00eds\u0165 do d\u00f4chodku nesk\u00f4r ako pri dosiahnut\u00ed riadneho d\u00f4chodkov\u00e9ho veku.<\/p>\n\n\n\n

Pr\u00edklad 1) Maximaliz\u00e1cia d\u00f4chodku
P\u00e1n David pracuje pre zamestn\u00e1vate\u013eov XY a do dosiahnutia riadneho d\u00f4chodkov\u00e9ho veku mu ch\u00fdbaj\u00fa dva roky. Hoci pr\u00e1ca p\u00e1na Davida u\u017e zm\u00e1ha, tak chce od\u00eds\u0165 do starobn\u00e9ho d\u00f4chodku a\u017e ku d\u0148u dosiahnutia riadneho d\u00f4chodkov\u00e9ho veku. Nechce ma\u0165 v \u017eiadnom pr\u00edpade kr\u00e1ten\u00fd mesa\u010dn\u00fd d\u00f4chodok a chce ma\u0165 maxim\u00e1lny \u0161t\u00e1tny d\u00f4chodok, na ktor\u00fd m\u00e1 n\u00e1rok.<\/p>\n\n\n\n

Pr\u00edklad 2) Mo\u017enos\u0165 priv\u00fdrobku na zmluvu na d\u00f4chodku
Zamestnanec Radek je pre zamestn\u00e1vate\u013ea ve\u013emi d\u00f4le\u017eit\u00fd a chce, aby u neho pracoval aj po dosiahnut\u00ed riadneho d\u00f4chodkov\u00e9ho veku na zmluvu na dobu neur\u010dit\u00fa. V riadnom d\u00f4chodkovom veku nie s\u00fa \u017eiadne obmedzenia oh\u013eadom typu pracovn\u00e9ho \u00fav\u00e4zku alebo v\u00fd\u0161ky hrubej mzdy. P\u00e1n Radek si po\u017eiada o d\u00f4chodok ku d\u0148u dosiahnutia riadneho d\u00f4chodkov\u00e9ho veku a na\u010falej bude pre zamestn\u00e1vate\u013ea pracova\u0165. Bude teda pobera\u0165 starobn\u00fd d\u00f4chodok a mzdu s\u00fa\u010dasne. V pred\u010dasnom d\u00f4chodku s\u00fa mo\u017enosti priv\u00fdrobku ve\u013emi obmedzen\u00e9, preto pred\u010dasn\u00fd d\u00f4chodok nepripad\u00e1 pre p\u00e1na Radka do \u00favahy.<\/p>\n\n\n\n

TIP: Kto m\u00e1 d\u00f4chodok 30 % a kto 80 % predch\u00e1dzaj\u00facej hrubej mzdy?<\/p>\n\n\n\n

Pr\u00edklad 3) Zdravotn\u00e9 probl\u00e9my
Pani Denisa m\u00e1 zdravotn\u00e9 probl\u00e9my, ktor\u00e9 v\u0161ak nie s\u00fa dosta\u010duj\u00face na priznanie invalidn\u00e9ho d\u00f4chodku. Pani Denisa teda pl\u00e1nuje skon\u010di\u0165 v zamestnan\u00ed necel\u00e9 tri roky pred dosiahnut\u00edm riadneho d\u00f4chodkov\u00e9ho veku, teda o 1 080 dn\u00ed sk\u00f4r. Vzh\u013eadom na svoje zdravie je pre pani Denisu pred\u010dasn\u00fd d\u00f4chodok jasnou vo\u013ebou. Do pred\u010dasn\u00e9ho d\u00f4chodku neodch\u00e1dza sk\u00f4r presne o tri roky, preto\u017ee by mala zbyto\u010dne vy\u0161\u0161ie kr\u00e1tenie za pred\u010dasnos\u0165 (vykon\u00e1va sa za ka\u017ed\u00fdch za\u010dat\u00fdch 90 kalend\u00e1rnych dn\u00ed).<\/p>\n\n\n\n

Pr\u00edklad 4) Strata zamestnania a \u010derpanie podpory
Zamestnanec Martin dostal tri roky pred dosiahnut\u00edm riadneho d\u00f4chodkov\u00e9ho veku v\u00fdpove\u010f pre nadbyto\u010dnos\u0165. Takto \u010doskoro v\u0161ak p\u00e1n Martin do pred\u010dasn\u00e9ho d\u00f4chodku od\u00eds\u0165 nechce, preto sa registruje na \u00farade pr\u00e1ce. P\u00e1n Martin bude ma\u0165 n\u00e1rok na podporu v nezamestnanosti po dobu 11 mesiacov (od \u0161tvrt\u00e9ho mesiaca, prv\u00e9 tri mesiace bude \u017ei\u0165 z odstupn\u00e9ho), toto obdobie zv\u00fd\u0161i p\u00e1novi Martinovi celkov\u00fa z\u00edskan\u00fa dobu poistenia. Ke\u010f sa p\u00e1novi Martinovu podar\u00ed n\u00e1js\u0165 adekv\u00e1tne pracovn\u00e9 uplatnenie, tak nast\u00fapi do novej pr\u00e1ce, pokia\u013e nie, tak po vy\u010derpan\u00ed podpory v nezamestnanosti od\u00edde do pred\u010dasn\u00e9ho d\u00f4chodku.<\/p>\n\n\n\n

\"\"
Smiling senior man sitting at a table outside on his patio working online with a laptop and drinking a cup of coffee<\/figcaption><\/figure><\/div>\n\n\n\n

Pr\u00edklad 5) Obdr\u017eanie v\u00fdpovede a okam\u017eit\u00fd odchod do pred\u010dasn\u00e9ho d\u00f4chodku
Zamestnanky\u0148a Katar\u00edna dostala dva roky pred d\u00f4chodkov\u00fdm vekom v\u00fdpove\u010f pre nadbyto\u010dnos\u0165. Pani Kate\u0159ina sa nechce vo svojom veku u\u017e registrova\u0165 na \u00farade pr\u00e1ce a chce ma\u0165 pokoj a u\u017e\u00edva\u0165 si d\u00f4chodok, preto vol\u00ed po uplynut\u00ed v\u00fdpovednej lehoty odchod do pred\u010dasn\u00e9ho d\u00f4chodku. Pani Katar\u00edna dostane od svojho zamestn\u00e1vate\u013ea z\u00e1konn\u00e9 odstupn\u00e9. N\u00e1rok na mo\u017enos\u0165 odchodu do pred\u010dasn\u00e9ho d\u00f4chodku neznamen\u00e1, \u017ee nemus\u00ed zamestn\u00e1vate\u013e pani Katar\u00edne odstupn\u00e9 vypl\u00e1ca\u0165.<\/p>\n\n\n\n

TIP: Kedy pr\u00edjmy na d\u00f4chodku mesa\u010dn\u00fd dochodok nezvy\u0161uj\u00fa?<\/p>\n\n\n\n

Pr\u00edklad 6) Pomoc dc\u00e9re s vnukmi
Pani Jaroslava je v pr\u00e1ci spokojn\u00e1 a pracovala by a\u017e do d\u00f4chodkov\u00e9ho veku, ale jej dc\u00e9ra potrebuje pomoc so str\u00e1\u017een\u00edm vnukov, a preto vol\u00ed pani Jaroslava odchod do pred\u010dasn\u00e9ho d\u00f4chodku, aby mohla dc\u00e9re pom\u00f4c\u0165. Odchod do pred\u010dasn\u00e9ho d\u00f4chodku si v\u0161ak pani Jaroslava dobre napl\u00e1nuje, aby sa kr\u00e1tenie nevykon\u00e1valo za \u010fal\u0161\u00ed na\u010dat\u00fd \u0161tvr\u0165rok a v\u00fdpove\u010f v pr\u00e1ci d\u00e1 v predstihu, aby dodr\u017eala dvojmesa\u010dn\u00fa v\u00fdpovedn\u00fa lehotu.<\/p>\n","protected":false},"excerpt":{"rendered":"

Rozhodnutie o term\u00edne odchodu do d\u00f4chodku je individu\u00e1lnou z\u00e1le\u017eitos\u0165ou, pre niekoho je teda pred\u010dasn\u00fd d\u00f4chodok dobrou vo\u013ebou, pre in\u00e9ho nie. Pozrime sa na nieko\u013eko praktick\u00fdch rozhodovac\u00edch situ\u00e1ci\u00ed. Z d\u00f4vodu predl\u017eovania riadneho d\u00f4chodkov\u00e9ho veku ob\u013euba pred\u010dasn\u00fdch d\u00f4chodkov z roka na rok st\u00fapa. Aktu\u00e1lne riadny d\u00f4chodkov\u00fd vek z\u00e1vis\u00ed od ro\u010dn\u00edka narodenia au \u017eien od po\u010dtu vychovan\u00fdch det\u00ed. […]<\/p>\n","protected":false},"author":2,"featured_media":560,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-559","post","type-post","status-publish","format-standard","has-post-thumbnail","category-rady-a-navody"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/vecernespravy.sk\/index.php?rest_route=\/wp\/v2\/posts\/559","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vecernespravy.sk\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/vecernespravy.sk\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/vecernespravy.sk\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/vecernespravy.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=559"}],"version-history":[{"count":0,"href":"https:\/\/vecernespravy.sk\/index.php?rest_route=\/wp\/v2\/posts\/559\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/vecernespravy.sk\/index.php?rest_route=\/wp\/v2\/media\/560"}],"wp:attachment":[{"href":"https:\/\/vecernespravy.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=559"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/vecernespravy.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=559"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/vecernespravy.sk\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=559"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}