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Counseling Office
Pensioners are one of the most vulnerable groups of citizens in terms of income. If executors take even a portion of their pensions, they are often left to live on a small amount that is only minimally livable. Although the living wage is adjusted annually, it is only a small band-aid for the loss of income for older people in the event of a foreclosure. In the next part of our consultation, we will look at what rules are in place for executive pension deductions.
not only PensionersBut people of pre-retirement age should also control their spending to avoid ending up in such a disadvantageous financial situation where their only income will be a reduced pension. He drew attention The Social Insurance Company also added that it does not decide whether to implement pension deductions, it only fulfils its legal obligations as a pension contributor.
If a pensioner gets into trouble and cannot avoid execution, he will not lose all his money. According to the law, he will at least have some money left after the execution deduction. Living WageThe value is regularly adjusted in early July. This year is no exception. “Sociálna pois ťovňa will also inform each affected pensioner in writing about these changes this year. Pensioners will receive it during August 2024, which will contain, among other things, the estimated end date of the pension implementation deductions.” She recently reported Social insurance.
Important information:
A pension is income in lieu of remuneration for work, from which it is deducted when it is performed.
With the increase in the minimum subsistence allowance, the amount of the minimum subsistence allowance that pensioners must retain after making deductions has also increased since July 1. In the case of non-priority claims, the basic amount that must not be withheld from the debtor (i.e. the pensioner) is 140% of the minimum subsistence allowance for an adult natural person, i.e. 383.58 euros per month. Pensioners must retain an additional 50% of this amount, i.e. 191.79 euros per month, for each person who provides maintenance.
Do you think that pensions are adequately protected from executions?
In the case of priority claims (except for maintenance of minor children), the basic amount that may not be withheld from the pensioner is €273.99 per month, which is 100% of the minimum living allowance for an adult natural person. For each person for whom he provides maintenance, he must keep an additional 50% of this amount, which is €136.99 per month.
Sociálna poisťovňa will answer all your questions about your pension:
• Free phone number 0800 123 123
• pass Question format
• During a personal visit to a Social Security branch
• Information and Consultation Centre at the Social Insurance Company headquarters in Bratislava. August 29, no. 8.
Social Insurance It is pointed out that after the issuance of the execution order or the resolution to start the execution order, there is an obligation to start deducting from the pension. At the same time, the insurance company itself does not decide to carry out the compulsory deduction of pensions, but only fulfills the obligations prescribed by law as a pension payer. “The amounts deducted from the pension must be remitted to the authorized or judicial executor. The Social Insurance Company deducts not only the amount of the claim, but also the amount of its attachments and compensation for the costs of the execution procedure.” Provided by insurance company.
How to Prevent Foreclosure?
Before the issuance of a resolution on an order for deduction from a pension fund, or before the start of enforcement proceedings, the debtor can prevent problems related to: implement. “If he wants to pay off his debts but his financial situation doesn’t allow him to do so, he should contact his creditors as soon as possible and ask for an extension, repayment schedule or reduction in the amount owed,” Insurance company recommendations.
In the previous part of our consultation we discussed the obligations of pensioners. These may differ depending on the type of pension the pensioner receives. For example, special obligations arise when receiving a pension from abroad or when living outside Slovakia. Learn more about the obligations of pensioners and set deadlines In our previous article.
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