{"id":1060,"date":"2018-08-20T15:31:45","date_gmt":"2018-08-20T13:31:45","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=1060"},"modified":"2020-11-02T15:45:05","modified_gmt":"2020-11-02T14:45:05","slug":"renta-versus-jednorazova-vyplata-pri-pracovni-neschopnosti-ci-invalidite","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2018\/08\/20\/renta-versus-jednorazova-vyplata-pri-pracovni-neschopnosti-ci-invalidite\/","title":{"rendered":"Renta vs. jednor\u00e1zov\u00e1 v\u00fdplata p\u0159i pracovn\u00ed neschopnosti a invalidit\u011b"},"content":{"rendered":"

Kdy\u017e v\u00e1s zran\u011bn\u00ed nebo nemoc vy\u0159ad\u00ed z pr\u00e1ce, coby zam\u011bstnanci \u010dek\u00e1te na pen\u00edze od st\u00e1tu zhruba rok. Rozhodn\u011b pak ale nedostanete tolik, kolik jste si p\u016fvodn\u011b vyd\u011bl\u00e1vali. Pokud chcete m\u00edt jistotu st\u00e1l\u00fdch p\u0159\u00edjm\u016f v ur\u010dit\u00e9 v\u00fd\u0161i, m\u011bli byste se p\u0159ipojistit. <\/b><\/p>\n

Zat\u00edmco b\u011b\u017en\u00e9 poji\u0161\u0165ovny v\u0161e p\u0159ezkoum\u00e1vaj\u00ed obvykle dal\u0161\u00ed rok, n\u00e1m sta\u010d\u00ed, \u017ee m\u00e1te pracovn\u00ed neschopnost nebo invaliditu uznanou st\u00e1tem, nemus\u00edte b\u00fdt invalidn\u00ed je\u0161t\u011b podle tabulek Mutumutu<\/a>. Ostatn\u011b, my ani \u017e\u00e1dn\u00e9 nem\u00e1me.<\/p>\n

V\u00edce o Mutumutu<\/a><\/div>\n

Kdy byste se ide\u00e1ln\u011b m\u011bli p\u0159ipojistit? Kdy\u017e je na v\u00e1s n\u011bkdo z\u00e1visl\u00fd, m\u00e1te d\u011bti<\/a>, hypot\u00e9ku, stav\u00edte d\u016fm. Mutumutu<\/a> nab\u00edz\u00ed poji\u0161t\u011bn\u00ed<\/a> pr\u00e1v\u011b lidem v tomto produktivn\u00edm \u017eivotn\u00edm obdob\u00ed. Do\u017eivotn\u00ed renty ale u n\u00e1s nehledejte. Lid\u00e9 si u n\u00e1s vyb\u00edraj\u00ed pojistky kon\u010d\u00edc\u00ed v jejich 55, 60 \u010di 65 letech<\/a>. Proto\u017ee pr\u00e1v\u011b v tomhle v\u011bku obvykle chod\u00edvaj\u00ed do d\u016fchodu a zbavuj\u00ed se z\u00e1vazk\u016f v podob\u011b hypot\u00e9k \u010di p\u00e9\u010de o d\u011bti. Pak u\u017e pro n\u011b poji\u0161t\u011bn\u00ed nen\u00ed tak nezbytn\u00e9. \u00a0<\/span><\/p>\n

Jak se vypl\u00e1c\u00ed jednor\u00e1zov\u00e1 v\u00fdplata a jak renta?<\/b><\/h2>\n

Jak funguje soci\u00e1ln\u00ed syst\u00e9m, kdy\u017e se v\u00e1m stane n\u011bco v\u00e1\u017en\u00e9ho, co v\u00e1s natrvalo vy\u0159ad\u00ed z pr\u00e1ce? Pokud jste zam\u011bstnanec, l\u00e9ka\u0159 v\u00e1m uzn\u00e1 neschopenku, ale trv\u00e1 t\u0159eba je\u0161t\u011b rok, ne\u017e v\u00e1m st\u00e1t p\u0159izn\u00e1 invalidn\u00ed rentu. Pak dost\u00e1v\u00e1te invalidn\u00ed d\u016fchod. Pokud jste OSV\u010c<\/a>, z\u00e1le\u017e\u00ed, jestli si v\u016fbec plat\u00edte nemocensk\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed.<\/span><\/p>\n

\"Jako
Jako zam\u011bstnanc\u016fm v\u00e1m l\u00e9ka\u0159 uzn\u00e1 neschopenku, ale trv\u00e1 t\u0159eba je\u0161t\u011b rok, ne\u017e v\u00e1m st\u00e1t p\u0159izn\u00e1 invalidn\u00ed rentu.<\/figcaption><\/figure>\n
\n

Tabulka stup\u0148\u016f invalidity, jak ji rozd\u011bluje st\u00e1t podle %, o kter\u00e1 m\u00e1 \u010dlov\u011bk sn\u00ed\u017eenou schopnost pracovat:<\/span><\/h2>\n<\/blockquote>\n
    \n
  1. \n

    stupe\u0148 – nejm\u00e9n\u011b v\u00e1\u017en\u00fd <\/span><\/p><\/blockquote>\n<\/li>\n

  2. \n

    stupe\u0148 st\u0159edn\u011b v\u00e1\u017en\u00fd <\/span><\/p><\/blockquote>\n<\/li>\n

  3. \n

    stupe\u0148 – nejv\u00e1\u017en\u011bj\u0161\u00ed <\/span><\/p><\/blockquote>\n<\/li>\n<\/ol>\n

    Lomikare, Lomikare, do roka a do dne<\/b><\/h2>\n

    T\u0159eba u t\u011b\u017ek\u00fdch zran\u011bn\u00ed, jako jsou utr\u017een\u00e9 kon\u010detiny, se o tom nelicituje, ale u mnoha nemoc\u00ed<\/a> v\u0161e st\u00e1t rok za rokem znovu a znovu p\u0159ezkoum\u00e1v\u00e1, stupn\u011b se mohou sni\u017eovat a spolu s t\u00edm i mno\u017estv\u00ed pen\u011bz, kter\u00e9 dost\u00e1v\u00e1te. Nevyhrajete ani, kdy\u017e se p\u0159ipojist\u00edte. V\u011bt\u0161ina poji\u0161\u0165oven se toti\u017e ne\u0159\u00edd\u00ed z\u00e1v\u011bry, ke kter\u00fdm dojde st\u00e1t, maj\u00ed m\u00edsto toho vlastn\u00ed experty, tak\u017ee mus\u00edte b\u00fdt invalidn\u00ed podle st\u00e1tu a je\u0161t\u011b b\u00fdt invalidn\u00ed v tabulce dan\u00e9 poji\u0161\u0165ovny. My ale podobn\u011b jako mnoz\u00ed z v\u00e1s nem\u00e1me tabulky r\u00e1di, nechceme jimi stra\u0161it a nevypl\u00e1cet pak pen\u00edze.\u00a0<\/span><\/p>\n

    \"\"
    Kdy byste se ide\u00e1ln\u011b m\u011bli p\u0159ipojistit? Kdy\u017e je na v\u00e1s n\u011bkdo z\u00e1visl\u00fd, m\u00e1te d\u011bti, hypot\u00e9ku, stav\u00edte d\u016fm. Mutumutu nab\u00edz\u00ed poji\u0161t\u011bn\u00ed pr\u00e1v\u011b lidem v tomto produktivn\u00edm \u017eivotn\u00edm obdob\u00ed.<\/figcaption><\/figure>\n

    Mutumutu<\/a> je \u010diteln\u00e9 a jednoduch\u00e9 poji\u0161t\u011bn\u00ed.<\/a> Uzn\u00e1v\u00e1 stejn\u00e9 stupn\u011b invalidity a vypl\u00e1c\u00ed pen\u00edze prost\u011b a jednodu\u0161e podle z\u00e1v\u011br\u016f, ke kter\u00fdm dojde st\u00e1t. Tak\u017ee pokud zvol\u00edte rentu<\/strong>, st\u00e1t v\u00e1s uzn\u00e1 invalidn\u00edm a jste-li p\u0159ipoji\u0161t\u011bn\u00ed u Mutumutu na 10 000 K\u010d<\/strong> m\u011bs\u00ed\u010dn\u011b, prost\u011b je dostanete ve stejnou chv\u00edli jako st\u00e1tn\u00ed p\u0159\u00edsp\u011bvky.<\/span><\/p>\n

    I kdy\u017e jednor\u00e1zov\u00e1 v\u00fdplata<\/strong> ve v\u00fd\u0161i 1 000 000 K\u010d vypad\u00e1 opticky jako velk\u00e1 \u010d\u00e1stka, ve v\u00fdsledku je to jinak. Je to nejklasi\u010dt\u011bj\u0161\u00ed<\/span> suma sjednan\u00e1 pro jednor\u00e1zov\u00e9 pln\u011bn\u00ed. Ale kdy\u017e je v\u00e1m 40 a n\u011bjak\u00fd \u00faraz v\u00e1s u\u017e nav\u017edy vy\u0159ad\u00ed z pracovn\u00edho procesu, tak v\u00e1m 1 milion na dlouho nevysta\u010d\u00ed. Pokud budete \u017e\u00edt do 65, vych\u00e1z\u00ed to m\u011bs\u00ed\u010dn\u011b na 3300 K\u010d<\/strong>. Opticky si kupujete vysok\u00e9 \u010d\u00edslo, ale nakonec to vlastn\u011b nen\u00ed takov\u00fd z\u00e1zrak.<\/span><\/p>\n

    \"\"
    Mutumutu je \u010diteln\u00e9 a jednoduch\u00e9 poji\u0161t\u011bn\u00ed. Uzn\u00e1v\u00e1 stejn\u00e9 stupn\u011b invalidity a vypl\u00e1c\u00ed pen\u00edze prost\u011b a jednodu\u0161e.<\/figcaption><\/figure>\n

    Renta je s\u00e1zka na jistotu<\/b><\/h2>\n

    Spravedliv\u011bj\u0161\u00ed je renta. Kdy\u017e jste zdrav\u00ed<\/a>, nic nedost\u00e1v\u00e1te, kdy\u017e jste nemocn\u00ed, m\u016f\u017eete si i v nemoci udr\u017eet sv\u016fj obvykl\u00fd p\u0159\u00edjem. Mutumutu<\/a> kop\u00edruje soci\u00e1ln\u00ed syst\u00e9m, nic dal\u0161\u00edho nep\u0159ezkoum\u00e1v\u00e1 a zbyte\u010dn\u011b nezdr\u017euje s v\u00fdplatou pen\u011bz. Proto\u017ee v\u00edme, \u017ee pokud v\u00e1s zran\u011bn\u00ed \u010di nemoc vy\u0159ad\u00ed z pr\u00e1ce, m\u00e1te sv\u00fdch starost\u00ed dost.<\/span><\/p>\n

    Spo\u010d\u00edtat, jak vyjde poji\u0161t\u011bn\u00ed pro m\u011b<\/a><\/div><\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

    Kdy\u017e v\u00e1s zran\u011bn\u00ed nebo nemoc vy\u0159ad\u00ed z pr\u00e1ce, coby zam\u011bstnanci \u010dek\u00e1te na pen\u00edze od st\u00e1tu zhruba rok. Rozhodn\u011b pak ale nedostanete tolik, kolik jste si p\u016fvodn\u011b vyd\u011bl\u00e1vali. Pokud chcete m\u00edt jistotu st\u00e1l\u00fdch p\u0159\u00edjm\u016f v ur\u010dit\u00e9 v\u00fd\u0161i, m\u011bli byste se p\u0159ipojistit. Zat\u00edmco b\u011b\u017en\u00e9 poji\u0161\u0165ovny v\u0161e p\u0159ezkoum\u00e1vaj\u00ed obvykle dal\u0161\u00ed rok, n\u00e1m sta\u010d\u00ed, \u017ee m\u00e1te pracovn\u00ed neschopnost nebo …<\/p>\n","protected":false},"author":13,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,30],"tags":[71,65,38,32,60,61,64,70,39,40,147,216],"class_list":["post-1060","post","type-post","status-publish","format-standard","hentry","category-pojisteni","category-zdravi","tag-jednorazova-vyplata-pojistky","tag-nahrada-mzdy","tag-online-pojisteni","tag-pojisteni","tag-pojisteni-invalidity","tag-pojisteni-proti-vypadku-prijmu","tag-psychicke-problemy","tag-renta","tag-smlouva","tag-zdravi","tag-zivotko","tag-zivotni-pojisteni"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1060","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/comments?post=1060"}],"version-history":[{"count":11,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1060\/revisions"}],"predecessor-version":[{"id":2737,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1060\/revisions\/2737"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=1060"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=1060"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=1060"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}