Pensioners in BiH are the most endangered category of the population and face numerous problems, primarily existential, but also other nature. Aware of these challenges, and those younger citizens, who are still able, awaiting the entry into the third age due to the uncertainty in terms of future.
Therefore, we contacted the entity pension / pension and disability insurance institutions identical, and we will publish the answers of the Fund Pio Rs.
How many minimal internships must have a person to achieve the right to retire / pension, and under what conditions?
FBiH
The right to an old-age pension / retirement has an insured person when he reaches 65 years of age and at least 15 years of insurance, ie when he reaches 65 years of age and at least 20 years of retirement experience or when he reaches 40 years of insurance regardless of the years of life.
RS
The insured (man and woman) exercises the right to an old-age pension with 65 years of age and at least 15 years of insurance experience, writes Focus.
What are the conditions for departure in a disability pension / pension? Is the amount of this pension the same for all users and, if not, what depends on and how much is the minimum, average and highest?
FBiH
The Law on Pension and Disability Insurance prescribes conditions for the exercise of the right to a disability pension, as follows:
The insured person in which the disability category is determined and the right to a disability pension is acquired:
1) If the disability is caused by injury at work or professional disease, regardless of the length of the pension experience.
2) If the disability is caused by injury from work or illness, in the condition that he had a pension internet that covers at least one-third of the period from at least 20 years of life to the origin of disability, counting the service life on full years.
The Insured Insured and Category of Disability Development is determined by a Disability Pension if the disability is caused by a violation of work or illness, under the pension experience that covers at least one-third of the service life, but at least one year of insurance experience,
Insured from the attitude, which was in regular schooling and with such education, he acquired a higher or high expertise, an employment of 22 years of age if he gained a higher education, ie of 25 if he had gained a high professional preparation.
Example: Insured who has 56 years of age on the day the existence and category of disability is determined, and which has a high education for a pension experience for 12 years, in order to acquire the right to a disability pension.
RS
The right to a disability pension may be achieved on the basis of losing the ability to work, which sets out the expertise of the Fund of Republika Srpska, caused by a violation of the age retirement, provided that there is a five-year insurance experience or the creation of disability. Ten years of pension experience.
Also, the right to a disability retirement has an insured person who is after 58. years of age determined by reduced working capacity, with the right to retrain or deployment, provided that he has five years of insurance experience or ten years of pension.
The insured person in whom the lack of ability to work is provided with an injury at work or professional disease, is entitled to a disability pension, regardless of the length of the pension experience.
The insured person has the right to a disability pension under the condition that he has a two-year insurance experience.
The amount of the disability pension shall be determined in the same way as for an age pension, depending on the length of the pension experience of the insured and the amount of the salary and the basis of insurance, which has been paid for a pension and disability insurance.
How much is the lowest pension / pension with 15 years of service, until 20, to 30 and 40 years of service?
FBiH
In the Federation of BiH, we have one minimum pension / pension and it currently is 573.53 KM. Thus, the law is not determined to be one minimum for 15 hours, the other for 20, etc. We also have a guaranteed retirement / pension, which could, although the law is not so defined, called the minimum pension for those pensions with 40 years of insurance and live in BiH. Such a pension / pension cannot be less than 684,48 KM.
RS
The lowest pension cannot be lower than 50 percent of the average pension charged to the Republika Srpska paid for December last year. The lowest age or disability pension depends on the length of the pension service and is determined in the percentage of the average pension at the expense of the Republika Srpska paid for December last year.
According to the latest statistics, the amount of the lowest pension:
– For pension internet up to 15 years 300.61
– For pension internships 15-20 years 360.76
– For pension internships 20-30 years 420.90
– For pension internships 30-40 years 481.08
– For pension internships 40 years and up 601.35
Who is entitled to family pension / pension?
FBiH
The right to a family pension has family members of the deceased insured person who fulfilled the conditions for age or disability pension and family members of the deceased beneficiary of age or disability pension.
Members of the family of the deceased insured, ie beneficiary beneficiaries are considered:
-Brat spouse and extramarital partner (widow or widowed),
-rocated marriage spouse, if he is the right to support the final judgment of the court,
-ress, born in marriage or out of marriage, and the adopted child,
-Pastor if the insured person, ie the beneficiary pension, supported him,
– Grease-grandson without both parents if the insured person died, that is, the beneficiary pension supported.
The extramarital partner is considered a person who is as such as such as such a family law of the Federation of Bosnia and Herzegovina, which has determined its status in the appropriate court proceedings.
RS
For the exercise of the right to a family pension, the spouse needs to meet the legally prescribed conditions. The right to a family pension has members of the family of a deceased insured who fulfilled the conditions for the disability pension on the day of death and family members of the deceased beneficiary of age or disability pension.
Members of the family of the deceased insured, ie the beneficiary beneficiary are considered:
Marital spouses (a widow, ie widower); Divorced married spouse or extramarital spouse, if his final judgment of the court awarded the right to support; child, born in marriage or out of marriage, adopted or pastor; Child without both parents or a child who both parents are fully or permanently incapable of economic, which supported the insured person, and the parent (father and mother, steppers and steps, adopted by the insured or user pension to his Death.
Which amount of pension can expect a 40-year-old worker who had a salary in the amount of average throughout the period? How is the pension calculated?
RS
The amount of the pension depends on the length of the pension experience and the amount of salaries for which the contribution is paid for the PIO, as well as from the Return Rate for Pension and Disability Insurance. Due to the change in the amount of the salary and the contribution rate during the service life of the insured on the fact that the amount of pension will not be able to respond in advance, ie the same to determine. The pension calculation is always indicated in the decision-making process that is submitted to the user.
However, here is one example. If the salary during all 40 years of work was the same, for example 1,000 KM, at the current contribution rate (that it did not change all 40 years, as well as the calculation system), the age pension would be 630 km.
FBiH
Someone who would, theoretically, worked for 40 years and had a salary that equal to the average, would realize one personal point for each year. The total number of points is multiplied by the value of the general point. The general point, as defined by law, is harmonized every year 15. April, according to the increase in average salary. The value of the general point in 2024. It was 20,74 KM, and for 2025. It is yet to be determined. And, theoretically, someone who has achieved 40 points during the working life, and lasted the right to retirement, the amount of the same would be 829.6 km.
What is the ratio of the average pension with 40 years of service and average salary (as percentages)?
FBiH
The average pension with 40 years of service is 1,058 km which is a height of 75% of the average salary in the Federation.
RS
For a full service of insurance of 40 years of the 40-year-old Pension for November 2024. amounts to 888.57 KM, which accounts for 62.58 percent of the average salary in Republika Srpska.
Who has the possibility of a docupa experience and when can this do (age, experience …)?
FBiH
In accordance with Article 31. paragraph 2. of the Employment and Social Security Law of Unemployed Pension and Disability Insurance are ensured by an unemployed person who lacks up to three years of pension experience until the age of the age retirement.
The application for the payment of the contribution for pension and disability insurance shall be submitted to the competent employment service.
RS
According to legal regulations, in the field of pension and disability insurance, there is no institute of the Docupa Internship, it existed until 2004. years. In accordance with the current legal regulation, the Institute of Individual Incision Payment, according to Article 156. The Law on Pension and Disability Insurance, which enables the insured person in which he was in the insured status, and contributions were not paid for The specified period, contributions may pay the employer, the employer’s legal follower, or the insured, provided the insured sufferers the conditions for the exercise of the right to a pension.
How much is the postmint for the pension user, who can submit a request and how much is waiting for payout?
FBiH
In the case of the death beneficiary of the Residence in the Federation or the Brčko Bosnia and Herzegovina District, a member of the funeral costs belongs to the funeral for the average pension paid in the month before the death of the pension beneficiaries.
RS
The amount of one-time financial assistance, ie funeral costs is 500 KM, and the payout is performed in the first next month from the submission of the request. The right to pay for the funeral costs for the deceased beneficiaries have family members, ie a person who has raided funeral costs, ie the costs of funeral.
