[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.cherra.cz\/system-duchodoveho-pojisteni-v-cr\/#Article","mainEntityOfPage":"https:\/\/www.cherra.cz\/system-duchodoveho-pojisteni-v-cr\/","headline":"Syst\u00e9m d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed v \u010cR","name":"Syst\u00e9m d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed v \u010cR","description":"D\u016fchody v\u00a0\u010cesk\u00e9 republice jsou o\u017eehav\u00e9 t\u00e9ma. Sly\u0161\u00edme \u010dasto z\u00a0m\u00e9di\u00ed, jak ve st\u00e1tn\u00edm rozpo\u010dtu chyb\u00ed na tuto oblast pen\u00edze, jak se d\u016fchodc\u016fm d\u00e1vka m\u00e1lo zvy\u0161uje a jak je vhodn\u00e9, aby si … ","datePublished":"2025-03-02","dateModified":"2025-03-02","author":{"@type":"Person","@id":"https:\/\/www.cherra.cz\/author\/devene\/#Person","name":"devene","url":"https:\/\/www.cherra.cz\/author\/devene\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/670235c08005d2f1b80a3d56a421809661de47ce0289bd1c93d0120f6ef211a4?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/670235c08005d2f1b80a3d56a421809661de47ce0289bd1c93d0120f6ef211a4?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"cherra.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.cherra.cz\/wp-content\/uploads\/img_a298253_w2111_t1508600827.jpg","url":"https:\/\/www.cherra.cz\/wp-content\/uploads\/img_a298253_w2111_t1508600827.jpg","height":0,"width":0},"url":"https:\/\/www.cherra.cz\/system-duchodoveho-pojisteni-v-cr\/","wordCount":461,"articleBody":"D\u016fchody v\u00a0\u010cesk\u00e9 republice jsou o\u017eehav\u00e9 t\u00e9ma. Sly\u0161\u00edme \u010dasto z\u00a0m\u00e9di\u00ed, jak ve st\u00e1tn\u00edm rozpo\u010dtu chyb\u00ed na tuto oblast pen\u00edze, jak se d\u016fchodc\u016fm d\u00e1vka m\u00e1lo zvy\u0161uje a jak je vhodn\u00e9, aby si mlad\u00ed lid\u00e9 na d\u016fchod spo\u0159ili, proto\u017ee kdo v\u00ed, jak to v\u00a0budoucnu v\u016fbec bude. Nic pozitivn\u00edho, d\u00e1 se \u0159\u00edci. Jak\u00e1 je ale aktu\u00e1ln\u011b realita a na co m\u00e1 \u010dlov\u011bk ze syst\u00e9mu d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed v\u016fbec n\u00e1rok?D\u016fchody, jejich typy a n\u00e1roky na n\u011b zast\u0159e\u0161uje z\u00e1kon \u010d. 155\/1995 Sb. o d\u016fchodov\u00e9m poji\u0161t\u011bn\u00ed. Samotn\u00e1 v\u00fdplata d\u016fchod\u016f je pak zaji\u0161\u0165ov\u00e1na prost\u0159ednictv\u00edm \u010cesk\u00e9 spr\u00e1vy soci\u00e1ln\u00edho zabezpe\u010den\u00ed a jednotliv\u00fdch Okresn\u00edch spr\u00e1v, tam je tak\u00e9 vhodn\u00e9 se obr\u00e1tit v\u00a0p\u0159\u00edpad\u011b, \u017ee si chcete o d\u016fchod po\u017e\u00e1dat. Poj\u010fme se tedy na samotn\u00e9 d\u016fchody pod\u00edvat bl\u00ed\u017ee.V\u00a0r\u00e1mci zmi\u0148ovan\u00e9ho z\u00e1kona maj\u00ed ob\u010dan\u00e9 n\u00e1rok na t\u0159i z\u00e1kladn\u00ed typy d\u016fchod\u016f, dle konkr\u00e9tn\u00edch situac\u00ed.Starobn\u00ed d\u016fchody\u2013 jedn\u00e1 se o finan\u010dn\u00ed zaji\u0161t\u011bn\u00ed v\u00a0situaci, kdy \u010dlov\u011bk dos\u00e1hl ur\u010dit\u00e9ho v\u011bku, tedy d\u016fchodov\u00e9ho v\u011bku, a m\u00e1 spln\u011bnu pot\u0159ebnou dobu poji\u0161t\u011bn\u00ed \u2013 tedy dostate\u010dn\u00e9 mno\u017estv\u00ed odpracovan\u00fdch let. Aktu\u00e1ln\u011b je d\u016fchodov\u00fd v\u011bk ur\u010dov\u00e1n dle rok\u016f narozen\u00ed, nen\u00ed tedy jednotn\u00fd, pohybuje se v\u0161ak p\u0159ibli\u017en\u011b kolem 63 let v\u011bku jak u mu\u017e\u016f, tak u \u017een. Pot\u0159ebn\u00e1 doba poji\u0161t\u011bn\u00ed je pak pro osoby, kter\u00e9 dos\u00e1hnou d\u016fchodov\u00e9ho v\u011bku v\u00a0leto\u0161n\u00edm roce, 33 let.Invalidn\u00ed d\u016fchody\u2013 vztahuj\u00ed se na ob\u010dany, kte\u0159\u00ed s\u00a0ohledem na sv\u016fj z\u00e1va\u017en\u00fd zdravotn\u00ed stav nejsou schopni pracovat, p\u0159\u00edpadn\u011b jejich schopnost pracovat poklesla. Invalidn\u00ed d\u016fchody jsou ve t\u0159ech r\u016fzn\u00fdch variant\u00e1ch, dle poklesu v\u00fdd\u011ble\u010dn\u00e9 schopnosti.\u00a0 Prvn\u00ed stupe\u0148 d\u016fchodu je pro osoby, jejich\u017e pracovn\u00ed schopnost poklesla o 35 \u2013 49 %, druh\u00fd pak o 50 \u2013 69 % a t\u0159et\u00ed o 70 % a v\u00edce. Sou\u010dasn\u011b s\u00a0t\u00edmto mus\u00ed tak\u00e9 konkr\u00e9tn\u00ed osoba spl\u0148ovat pot\u0159ebnou dobu poji\u0161t\u011bn\u00ed.Poz\u016fstalostn\u00ed d\u016fchody\u2013 jsou ur\u010deny osob\u00e1m, kter\u00e9 z\u00a0d\u016fvodu \u00famrt\u00ed p\u0159i\u0161ly o man\u017eela, man\u017eelku, nebo u nezaopat\u0159en\u00fdch d\u011bt\u00ed, o rodi\u010de. Dle t\u00e9to situace jsou d\u011bleny d\u016fchody na vdovsk\u00fd, vdoveck\u00fd a sirot\u010d\u00ed. N\u00e1rok vznik\u00e1 pouze tehdy, pokud zem\u0159el\u00e1 osoba m\u011bla op\u011bt pot\u0159ebnou dobu poji\u0161t\u011bn\u00ed a jsou \u010dasov\u011b omezeny.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Syst\u00e9m d\u016fchodov\u00e9ho poji\u0161t\u011bn\u00ed v \u010cR","item":"https:\/\/www.cherra.cz\/system-duchodoveho-pojisteni-v-cr\/#breadcrumbitem"}]}]