{"id":1652,"date":"2018-07-18T09:30:10","date_gmt":"2018-07-18T07:30:10","guid":{"rendered":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/?p=1652"},"modified":"2025-09-24T15:25:32","modified_gmt":"2025-09-24T13:25:32","slug":"nahrada-mzdy-za-docasnou-pracovni-neschopnost-u-nas-realita","status":"publish","type":"post","link":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/2018\/07\/18\/nahrada-mzdy-za-docasnou-pracovni-neschopnost-u-nas-realita\/","title":{"rendered":"N\u00e1hrada mzdy za do\u010dasnou pracovn\u00ed neschopnost? U n\u00e1s realita"},"content":{"rendered":"

M\u016f\u017ee se to st\u00e1t ka\u017ed\u00e9mu. T\u011blo prost\u011b na n\u011bjak\u00fd \u010das p\u0159estane spolupracovat a vy vypadnete z\u00a0pracovn\u00edho procesu. \u017divotn\u00edho stylu, na kter\u00fd jste zvykl\u00ed, se p\u0159itom vzd\u00e1t nemus\u00edte.<\/b><\/p>\n

Aspo\u0148 ne s\u00a0Mutumutu<\/a>. U n\u00e1s nepoji\u0161\u0165ujeme zdrav\u00ed, ale v\u00e1\u0161 p\u0159\u00edjem, a to se v\u00a0p\u0159\u00edpad\u011b dlouhodob\u00e9 neschopenky m\u016f\u017ee uk\u00e1zat jako velk\u00e1 v\u00fdhoda. <\/span>N\u00e1hrada mzdy za do\u010dasnou pracovn\u00ed neschopnost v\u00e1m s\u00a0velkou pravd\u011bpodobnost\u00ed vytrhne trh z\u00a0paty.<\/span><\/p>\n

Vyrovn\u00e1me va\u0161e p\u0159\u00edjmy, udr\u017e\u00edme v\u00e1\u0161 \u017eivotn\u00ed standard<\/b><\/h2>\n

V\u00a0Mutumutu poji\u0161\u0165ujeme jak proti invalidit\u011b, tak proti pracovn\u00ed neschopnosti<\/a>, kter\u00e1 p\u0159es\u00e1hne dva m\u011bs\u00edce. A\u0165 u\u017e to bude v\u00a0d\u016fsledku v\u00e1\u017en\u00e9 nemoci nebo \u00farazu, je jasn\u00e9, \u017ee v\u00e1s \u010dek\u00e1 v\u00fdpadek p\u0159\u00edjmu<\/a>. St\u00e1tn\u00ed podpora sice pom\u016f\u017ee, ale n\u00e1m jde o to, abychom v\u00fdplatu, kter\u00e1 v\u00e1m dosud chodila pravideln\u011b na \u00fa\u010det, zcela dorovnali. <\/span>
\n

O Poji\u0161t\u011bn\u00ed<\/a><\/div><\/p>\n

Mutumutu \u2013 to je spousta v\u00fdhod v jednom<\/b><\/h2>\n

Jak u\u017e jsme nazna\u010dili, hlavn\u00edm benefitem poji\u0161t\u011bn\u00ed Mutumutu<\/a> je <\/span>n\u00e1hrada mzdy. Za do\u010dasnou pracovn\u00ed neschopnost ov\u0161em \u010dasto m\u016f\u017eou i du\u0161evn\u00ed nemoci \u2013 t\u0159eba syndrom vyho\u0159en\u00ed \u2013 nebo chronick\u00e9 bolesti zad, kter\u00e9 se t\u011b\u017eko prokazuj\u00ed. Oboj\u00ed poji\u0161\u0165ovny b\u011b\u017en\u011b vylu\u010duj\u00ed. My ne. Ch\u00e1peme, \u017ee ani v\u00a0t\u011bchto p\u0159\u00edpadech pracovat nem\u016f\u017eete, a bereme je v\u00e1\u017en\u011b.<\/span><\/p>\n

\"\"
Kryjeme i chronick\u00e1 onemocn\u011bn\u00ed jako nap\u0159\u00edklad bolesti zad.<\/figcaption><\/figure>\n

N\u00e1hrada mzdy za do\u010dasnou pracovn\u00ed neschopnost <\/b>v \u010d\u00edslech<\/strong><\/h2>\n

Jak va\u0161e p\u0159\u00edjmy vyrovn\u00e1me? Uk\u00e1\u017eeme v\u00e1m to na p\u0159\u00edkladu. P\u0159edstavte si takov\u00e9ho t\u0159ic\u00e1tn\u00edka Pavla \u2013 pracuje v\u00a0kancel\u00e1\u0159i, vyd\u011bl\u00e1v\u00e1 30 tis\u00edc m\u011bs\u00ed\u010dn\u011b a pojistil se u n\u00e1s pro p\u0159\u00edpad pracovn\u00ed neschopnosti<\/a>. Spolu s\u00a0poji\u0161t\u011bn\u00edm proti invalidit\u011b<\/a> ho to vyjde na 564 korun m\u011bs\u00ed\u010dn\u011b.<\/span><\/p>\n

Pokud se Pavlovi n\u011bco stane a p\u016fjde na v\u00edce ne\u017e \u0161edes\u00e1tidenn\u00ed neschopenku, st\u00e1t mu bude ka\u017ed\u00fd m\u011bs\u00edc vypl\u00e1cet 23\u00a0700 korun. My k\u00a0tomu v\u017edy p\u0159ihod\u00edme 6\u00a0300 korun. Z\u016fstane tak na \u00farovni, na kterou byl zvykl\u00fd. Podobn\u011b to mimochodem funguje i v\u00a0p\u0159\u00edpad\u011b trval\u00e9 invalidity, to bychom mu st\u00e1tn\u00ed d\u016fchod dorovnali m\u011bs\u00ed\u010dn\u00ed rentou.<\/span><\/p>\n

\"\"
V\u00a0Mutumutu poji\u0161\u0165ujeme jak proti invalidit\u011b, tak proti pracovn\u00ed neschopnosti, kter\u00e1 p\u0159es\u00e1hne dva m\u011bs\u00edce.<\/figcaption><\/figure>\n

\u017dijete zdrav\u011b? Vr\u00e1t\u00edme v\u00e1m 30 % z pojistn\u00e9ho<\/b><\/h2>\n

V\u00a0Mutumutu<\/a> si p\u0159ejeme, aby se klienti starali o sv\u00e9 zdrav\u00ed. Je to pro v\u0161echny v\u00fdhodn\u011bj\u0161\u00ed: zdrav\u00e1 klientela znamen\u00e1 men\u0161\u00ed n\u00e1klady, d\u00edky kter\u00fdm m\u016f\u017eeme v\u0161em nab\u00edzet co nejv\u00fdhodn\u011bj\u0161\u00ed finan\u010dn\u00ed podm\u00ednky. A nikdo nemus\u00ed dopl\u00e1cet na ku\u0159\u00e1ky nebo peciv\u00e1ly.<\/span>
\n

30 % zp\u011bt<\/a><\/div><\/p>\n

Pokud by nap\u0159\u00edklad Pavel pravideln\u011b sportoval \u2013 prok\u00e1\u017ee to jednodu\u0161e pomoc\u00ed mobiln\u00ed aplikace, dostane od n\u00e1s zp\u00e1tky 20 % z\u00a0pojistn\u00e9ho. Dal\u0161\u00edch 5 % si vyslou\u017e\u00ed, kdy\u017e nebude kou\u0159it, a je\u0161t\u011b 5 % za pravideln\u00e9 n\u00e1v\u0161t\u011bvy praktick\u00e9ho l\u00e9ka\u0159e. Pen\u00edze mu vr\u00e1t\u00edme jednou za \u010dtvrt roku p\u011bkn\u011b v\u00a0hotovosti, nikdy v\u00a0podob\u011b voucher\u016f ani bonus\u016f.<\/span><\/p>\n

Ve v\u00fdsledku bude Pavel jako\u017eto fanou\u0161ek zdrav\u00e9ho \u017eivotn\u00edho stylu platit pouze 395 korun m\u011bs\u00ed\u010dn\u011b. N\u00e1hrada<\/span> mzdy za do\u010dasnou pracovn\u00ed neschopnost<\/a> i vyrovn\u00e1n\u00ed p\u0159\u00edjm\u016f v\u00a0invalidn\u00edm d\u016fchodu z\u016fstanou samoz\u0159ejmost\u00ed, jen si je \u201ep\u0159edplat\u00ed\u201c levn\u011bji. V\u0161e z\u00e1le\u017e\u00ed na mnoha individu\u00e1ln\u00edch parametrech, jako je t\u0159eba v\u011bk. <\/span>Ve\u0161ker\u00e9 informace i pomoc s poji\u0161t\u011bn\u00edm jsou p\u0159ipraveni \u0159e\u0161it Adam, M\u00ed\u0161a a Luk\u00e1\u0161 v na\u0161em callcentru. <\/span><\/p>\n

V\u00a0Mutumutu\u00a0<\/a>podporujeme ty, kte\u0159\u00ed maj\u00ed r\u00e1di zdrav\u00fd \u017eivotn\u00ed styl. Za radost ze sportu odm\u011b\u0148ujeme vr\u00e1cen\u00edm 20 % z ceny poji\u0161t\u011bn\u00ed. Dal\u0161\u00edch 5 % z\u00edsk\u00e1te za to, \u017ee nekou\u0159\u00edte a 5 % za to, \u017ee chod\u00edte na pravideln\u00e9 l\u00e9ka\u0159sk\u00e9 prohl\u00eddky.<\/strong><\/em><\/p>\n

O Mutumutu<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"

M\u016f\u017ee se to st\u00e1t ka\u017ed\u00e9mu. T\u011blo prost\u011b na n\u011bjak\u00fd \u010das p\u0159estane spolupracovat a vy vypadnete z\u00a0pracovn\u00edho procesu. \u017divotn\u00edho stylu, na kter\u00fd jste zvykl\u00ed, se p\u0159itom vzd\u00e1t nemus\u00edte. Aspo\u0148 ne s\u00a0Mutumutu. U n\u00e1s nepoji\u0161\u0165ujeme zdrav\u00ed, ale v\u00e1\u0161 p\u0159\u00edjem, a to se v\u00a0p\u0159\u00edpad\u011b dlouhodob\u00e9 neschopenky m\u016f\u017ee uk\u00e1zat jako velk\u00e1 v\u00fdhoda. N\u00e1hrada mzdy za do\u010dasnou pracovn\u00ed neschopnost v\u00e1m …<\/p>\n","protected":false},"author":21,"featured_media":2692,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29],"tags":[94,65,38,32,60,61,59,64,66,42],"class_list":["post-1652","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pojisteni","tag-30-pojisteni-zpet","tag-nahrada-mzdy","tag-online-pojisteni","tag-pojisteni","tag-pojisteni-invalidity","tag-pojisteni-proti-vypadku-prijmu","tag-pojisteni-zivota","tag-psychicke-problemy","tag-zivotni-pojisteni-online","tag-zivotni-styl"],"_links":{"self":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1652","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\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/comments?post=1652"}],"version-history":[{"count":8,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1652\/revisions"}],"predecessor-version":[{"id":5519,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/posts\/1652\/revisions\/5519"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media\/2692"}],"wp:attachment":[{"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/media?parent=1652"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/categories?post=1652"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.new.prod.mutu.creativedock.cloud\/blog\/wp-json\/wp\/v2\/tags?post=1652"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}