Sociální Zabezpečení

Práva Důchodce

Law provides for both full pension and early as well as deferred pension. For full pension, a worker born in 1952 must have attained the age of 62 years and 10 months (between 56 years & 4 months and 61 years & 8 months for women depending on the number of children) with at least 31 years of insurance. In 2017, the retirement age will be 63 for those born in 1953. The retirement age will gradually rise to 65 years for men and women and ultimately to 67 years in 2044. The minimum period for entitlement to old age pension is also increasing and will be 35 years after 2018.

In 2017, the minimum age for retirement for women workers born in 1953 was as following depending on the number of children rose:

1. No children: 62 years;
2. One Child: 60 years + 8 months;
3. Two Children: 59 years + 4 months;
4. Three-Four Children: 58 years; and
5. Five or more Children: 56 years + 8 months

The Early Pension is available to workers up to three years before normal retirement age with at least 29 to 31 years of contributions.  If the insured person's retirement age is more than 63, such person may receive an early old-age pension up to five years early however after reaching the age of 60 (the early pension age for those whose normal retirement age will be 66 may get this early pension at the age of 61).

The monthly pension, in 2017, consists of a flat rate amount of 2,550 Koruna and an earnings related amount of 1.5% of the personal assessment base for each year of coverage. The amount of the percentage assessment may not be lower than CZK 770 per month. The personal assessment base is based on the average gross earnings over the years preceding retirement. This period was initially ten years and is extended by one year every year until it reaches a total of 30 calendar years. The personal assessment base is calculated from gross earnings by the following formula:

1. Up to CZK 12, 423…….100% incorporation;
2. CZK 12,423 to CZK 112,928…….26% incorporation;
3. CZK 112,928 and above…..disregarded  (nepřihlíží se)

Source: http://www.cssz.cz/en/pension-insurance/old-age-pension.htm>>>; <<<FLOATING LINK: http://www.cssz.cz/cz/duchodove-pojisteni/davky/vypocet-a-vyplata-duchodu/;>>> <<<FLOATING LINK: https://www.cssz.cz/en/pension-insurance/old-age-pension.htm 

Pozůstalostní důchody

Pension Insurance Act provides for survivors' benefit (these include dependents including widow, widower, children up to the age of 26 years). A survivors’ pension is payable provided that the deceased worker was a pensioner or had qualified for a disability pension or an old age pension. A widow(er) receives the following sums of money as pension for a period of one year after the death of spouse. It is a monthly flat rate amount of CZK 2,340 plus 50% of the earnings related amount the deceased received or was eligible to receive. A widow(er) can receive pension after one year only if the surviving spouse:

i. has reached retirement age;

ii. is less than 4 years younger than the retirement age for men;

iii. in  the third degree of invalidity;

iv. is caring for a dependent child;

v. is caring for a child or deceased spouse's parent living in the same household

In the case of orphans, the survivors' benefit is a monthly flat rate amount of CZK 2,440 plus 40% of the earnings related amount the deceased received or was eligible to receive. For full orphans, this amount is flat rate amount plus 40% of the sum of the earnings related amount of each parent is paid.

Source: Pension Insurance Act No. 155/1995

Invalidní důchod

Three different types of disability are recognized. The third degree of invalidity means that the ability to perform work has been reduced by at least 70%. For second degree invalidity, the ability to perform work is reduced by 50-69%. The ability to perform work is reduced by 35-49% for the first degree invalidity.

The qualifying period is five years in the last 10 years for workers over the age of 38 years. Less number of years is required for workers under the age of 38 years. The eligibility for a disability pension is based on required term of insurance: workers under the age of 20 years required less than one year of insurance while workers over 38 years of age require 10 years of insurance.

The work injury benefit is composed of two components: basic amount and a percentage amount. The basic amount is a fixed sum (9% of average wages) and does not change with the degree of disability. This amount is CZK 2,440 in 2016. The percentage amount is defined individually depending on salary level and insured number of years. The monthly disability pension consists of a flat rate amount of CZK 2,440 and an earnings related amount of 1.5% of the personal assessment base for each year of coverage for a third degree of invalidity; 0.75 for a second degree invalidity or 0.50 for a first degree invalidity.

As per the Government Regulation No. 388/2020 Coll., has announced to provide maximum amount of contribution to support the employment of the person with disabilities. The State provides employers with financial contribution to those who employ people with disability. Pursuant with the government regulation, the contribution has increased to CZK 13,600.

Source: ISSA Country Profile; Pension Insurance Act No. 155/1995