|
|
Selected Aspects of Applicants for Early Old - Age Retirement
BUDÍNOVÁ, Petra
Bachelor thesis entitled "Selected Aspects of Applicants for Early Old - Age Retirement" deals with the reasons that influence the early retirement of citizens at the District Social Security Administration in Jindřichův Hradec. The work consists of practical and theoretical part. The theoretical part is devoted in the introduction to the historical development of pension insurance, legal conditions for granting early retirement pension, including a description of its calculation. The thesis also deals with the issue of missing periods of insurance and the possibilities of participation of voluntary pension insurance. The theoretical part concludes with a characterisation of the ordinary old-age pension and pre-retirement pension. In the practical part, a quantitative research investigation was carried out. The method of questionnaire survey was used for data collection, the results are further processed and statistically evaluated. The established hypotheses are tested by chi-square test of independence.
|
|
|
Pensions insurance, part of the I. pile of the social security system in CZE
POSPÍŠILOVÁ, Nicole
The target of this thesis is to introduce the part of the I. pile (social insurance) of the social security system in Czech Republic pensions insurance. The thesis is conceived as a theoretical one because of the deeper view. In the beginning there is the description of basis of social policy and social security system. The main part of thesis describes historical progress of pensions insurance since 1996 till today. The last chapter is devoted to personal considerations about possible changes in pensions insurance that might happen in the future. The thesis is composed from available expert literature, legislative sources and websites of authorized institutions.
|
|
| |
|
|
Effects of changes in the calculation of pensions to the number of early retirements in the district Jindřichův Hradec
UHLÍKOVÁ, Jana
The aim of this thesis was to find out which impacts of the parametric changes, linked to the change of law no. 155/1995 Sb. about pension insurance, as amended, affected the number of applications for early retirement in the Jindřichův Hradec district. The need to solve this problem arose from the questioning of Section 15 of act no. 155/1995 Sb., as amended, regarding social insurance, which governs the assignment of the calculation basis used to work out the percentual pension allowance. The Constitutional Court concluded that the defined rules generate significant differences between the amount paid into the insurance system and the amount of the old-age benefit received. On this basis the MPSV (Ministry of Labour and Social Affairs) compiled the rule changes for calculation of old-age benefit and together with the other parametric changes prepared, this was proposed as the so-called ?minor pension reform?. The proposal passed through the legislative process and with effect from 30th September 2011 the rules for the calculation of the old-age benefit changed according to the new Act (no. 220/2011 Sb.) that amends Act no. 155/1995 Sb. on social insurance, as amended by subsequent rules, and several other Acts. The new regulations favour citizens with higher incomes. For persons with a lower income the change resulted in lower pensions received, as a result of which some have chosen to apply for early retirement. The aim of this thesis was to survey applications for all types of retirement in the years 2010 and 2011 with emphasis on the number of applications for early retirement in the district of J. Hradec and to analyse the length of prematurity at the time the application for early retirement was submitted. The comparison periods were the months from March to September of the respective years. Based on the given aims, quantitative research was chosen as the method of standardised research and two hypotheses were tested: 1. As a consequence of the changes in the regulations for the benefit calculation the number of early retirement applications has risen. 2. The highest interest in allowance of early retirement was shown by citizens with a maximum of 1 year left before reaching the age limit at which they were entitled to old-age pension benefits. The research was carried out by content and secondary analysis of data contained in the official statistics of ČSSZ (Czech Social Security Administration) and OSSZ (District Social Security Administration) and other available materials for the years 2010 and 2011. After analysis and evaluation of the required information the first defined hypothesis was confirmed; citizens were choosing early retirement regardless of the fact that the percentual assessment of the calculation basis would be reduced for every 90 days before retirement age, but were able to retain their original pension calculation basis. They were making this decision despite the fact that by reduction of the received old-age benefit their pension was lowered by approximately 12%. In this case, providing they satisfied the legal condition of insurance duration, they used the opportunity to retire before reaching the age limit for old-age pension, which meant 3 years early. In the final phase it was confirmed that in the tracked period applications from citizens with up to 1 year left to reach the retirement age did not predominate. The number of applicants retiring 3 years earlier was approximately the same as those with one year left. There were slightly fewer citizens with two years left to satisfy the legal condition of the insurance duration. In the conclusion of the results section, data are also mentioned which evidence the number of state pensions being paid and the expenses used for these benefits from the national budget. This is quite a considerable amount and it continues to rise with the number of pensions being paid.
|
|
|
Retirement system in the Czech Republic
ŠÍPOVÁ, Eliška
This bachelor thesis deals with the senior pension system of the Czech Republic. It is divided in two parts ? the theoretical and the practical one. The theoretical part presents a complete overview of the social welfare system of the Czech Republic which is created of three pillars and has become valid since 1st January 2013. Each of the pillars is described in detail. The thesis describes the participation of the citizen on the social welfare system, the retirement saving period and the way the senior pension is calculated. It also defines different types of the senior pension which is provided in the Czech senior welfare system. The practical part is focusing on a survey. The interviewees are questioned about the amount of information which they have about the social welfare system, about entering the second pillar of the system and about the retirement savings system.
|
|
|
An Early Retirement and its role in the social security system.
ZDVIHALOVÁ, Martina
This thesis addresses the issue of early retirement. The theoretical part discusses the role of early retirement in the social security system of the Czech Republic. First, it describes the system of our social security itself. The next section deals with the development of the pension insurance from its beginnings to the present time. Since 1996, the applicable legal regulation has been Act No. 155/1995 Coll. on pension insurance, but it has been amended several times. The last major amendment has been parameter changes from 1 January 2010. In subsequent chapters, the theoretical part deals with old-age pensions and, in particular, early old-age pensions, it explains the conditions of eligibility and related concepts such as insurance period, retirement age, pension application. The main objective of the thesis was to find out about the reasons for the submission of an application for a reduced early retirement. Other objectives were to find out whether they have sufficient information on all conditions of eligibility for this type of pension and what factors influenced their decision. To achieve the objectives, the qualitative method was used; the techniques of the research included semi-structured interviews and a secondary data analysis. The sample consisted of a total of 15 respondents (five unemployed persons, five employed persons and five self-employed persons). The research has shown that the reasons of applicants are similar not only within each group, but also between them (fatigue, health problems). The secondary data analysis was used to illustrate the size and structure of the basic sample. The results show that the early retirement is applied for by a relatively low number of people with higher education. I believe that currently early retirement has an indispensable role in the social security system and it should remain a part of it in the future. However, the thesis also shows that people in their pre-retirement age are not offered another appropriate alternative.The thesis should serve to raise awareness about the issues early retirement.
|
|
|
Attitudes and behaviour of households regarding the pension reform
KARASOVÁ, Iveta
The target of my bachelor work was to describe and to evaluate attitudes and consumer behaviour of the households in relation to the upcoming pension reform in the Czech Republic and to recommend suitable products for the households to ensure themselves for the retirement. Primary data were obtained from the questionnaire investigation made by means of internet . Final outcome of my bachelor work was execution of common reccomendation for the consumer.
|
|
|
Construction of retirement pension
Vokatá, Miloslava ; Klazar, Stanislav (advisor) ; Hodžic, Faris (referee)
In my bachelor work I engage in retirement pension which is relevant to each of us. Because each of us will surely apply for retirement sometime. And if not, almost all our life we will contribute to others for their retirements from our incomes. Firstly, in theoretical part of my work, I describe individual elements of retirement pension which are essential for final calculation of retirement pension. Then, in practical part of my work, I devote myself only whole calculation of retirement pension and analyse formula for this calculation in detail. I show some examples how to calculate size of retirement pension too. Furthermore, I compare resulting levels of retirement pensions with individual incomes that the pensioners received before their retirements.
|
guest ::
