subscription, via Internet, the scheme Public Capitalisation (PRC), better known as the PPR of the state.
Since yesterday, which is available for subscription, via Internet, the scheme Public Capitalisation (PRC), better known as the PPR of the state.
The rules are different from those applied to private retirement savings plans and has led the insurance companies to threaten to complain in Brussels for breach of competition law. Most of these differences is that the rents allow PPR public life to death of the beneficiary and not just limited to the amount of investment.
Adherence to these certificates of reform is relatively simple (see support) and can be done by any worker who desconte to one of the social protection schemes compulsory. The participant can choose to make a monthly contribution of two or four percent or six percent if you have fifty years or more.
The provision is calculated for the monthly salary, but is not, in any case retained by the employer. The only form of payment is by direct debit to the account of the employee until the day 8 of each month.
The PRC does not allow resgates advance but allow suspensions to the contribution in certain situations, such as unemployment or disability. The participant may, at any time, see the value in your account through Social Security Direct (www.seg-social.pt).
The great advantage of PPR public arrives at the time of receiving the supplement. At this point, the participant can choose to transfer the certificates of reform to the spouse or to their children, redeem the entire investment or choose to receive fixed monthly benefits.
In the latter case, benefits are determined by taking into account the amount accumulated in average life expectancy in force. However, if the average life expectancy for, for example, 75 years, and adherent live beyond that age will receive the supplement, as the PPR. Even if this implies that the cumulative amount is exceeded.
"This is an incentive for savings and not of a system whose goal is profit," explained the Morning Post source from the Ministry of Labour, adiantando that the State chose to apply here "philosophy of social solidarity." Thus, if a member dies three years after it started receiving the supplement, the remainder not revert to the heirs, but to compensate for the payments to those who exceed the average life expectancy.
THE VARIOUS STEPS TO JOIN THE SCHEME OF PUBLIC KORIščENJE
HOW TO JOIN?
The worker must complete two forms: a request to join the scheme and allow the direct debit account of the provision.
WHERE TO SUBSCRIBE?
The accession can be made on net (www.seg-social.pt), the services of care of Social Security or through the phone line 808020020.
WHO PAID?
The monthly payment is made by the employee member, by direct debit bank account, and never by the employer.
PAID FOR?
The participant can choose to make a contribution of 2% or 4% of your salary. If you have 50 years or more the discount is 6%.
BY How long?
The minimum subscription period is 12 months, after which the renewal is automatic, unless the participant der indicated.
AMENDMENT PERMITTED?
A participant who has opted for a rate of 2% can increase it to 4% but only at the time of renewal of membership.
FEATURES
-- The suspension of contributions can be made in case of unemployment in the member, unable to work for more than 30 days, because of disability or by expresses willingness on the part of the employee.
-- In case of absolute invalidity, the obligation to contribute ceased, but the participant can choose to keep the capital under the accumulation so far to receive a pension in old age.
-- If in any month the worker does not complete the payment of the contribution the accumulated capital is not capitalized. The costs involved in the regularization of the account are € 0.50 for each infringement.
-- The participant is required to redeem the capital accumulated when the amount set for the monthly income is less than 2.5% of Indexante of Social Support, or if the monthly for less than 10.18 euros.
ADVANTAGES
-- At the end of discounts (in general, the retirement age), the beneficiary may choose to transfer the capital to the certificate of reform of the spouse or the children.
-- In the event of unemployment, contributions can be suspended. The same is true in case of disability.
-- The PRC can not be pledged property in any case.
-- The accession does not mean the payment of any commission or management of subscription to the State.
DISADVANTAGES
-- The deduction for investment in a collection by the Certificate of reform is only 20 percent of the contributions made to a maximum of 350 euros.
-- Are not allowed resgates advance of the value.
-- If you choose to receive the values in monthly instalments and die after the third year the remaining amount not revert to the heirs.
-- The savings is limited to a percentage of salary rather than an amount at the option of acceding.
The rules are different from those applied to private retirement savings plans and has led the insurance companies to threaten to complain in Brussels for breach of competition law. Most of these differences is that the rents allow PPR public life to death of the beneficiary and not just limited to the amount of investment.
Adherence to these certificates of reform is relatively simple (see support) and can be done by any worker who desconte to one of the social protection schemes compulsory. The participant can choose to make a monthly contribution of two or four percent or six percent if you have fifty years or more.
The provision is calculated for the monthly salary, but is not, in any case retained by the employer. The only form of payment is by direct debit to the account of the employee until the day 8 of each month.
The PRC does not allow resgates advance but allow suspensions to the contribution in certain situations, such as unemployment or disability. The participant may, at any time, see the value in your account through Social Security Direct (www.seg-social.pt).
The great advantage of PPR public arrives at the time of receiving the supplement. At this point, the participant can choose to transfer the certificates of reform to the spouse or to their children, redeem the entire investment or choose to receive fixed monthly benefits.
In the latter case, benefits are determined by taking into account the amount accumulated in average life expectancy in force. However, if the average life expectancy for, for example, 75 years, and adherent live beyond that age will receive the supplement, as the PPR. Even if this implies that the cumulative amount is exceeded.
"This is an incentive for savings and not of a system whose goal is profit," explained the Morning Post source from the Ministry of Labour, adiantando that the State chose to apply here "philosophy of social solidarity." Thus, if a member dies three years after it started receiving the supplement, the remainder not revert to the heirs, but to compensate for the payments to those who exceed the average life expectancy.
THE VARIOUS STEPS TO JOIN THE SCHEME OF PUBLIC KORIščENJE
HOW TO JOIN?
The worker must complete two forms: a request to join the scheme and allow the direct debit account of the provision.
WHERE TO SUBSCRIBE?
The accession can be made on net (www.seg-social.pt), the services of care of Social Security or through the phone line 808020020.
WHO PAID?
The monthly payment is made by the employee member, by direct debit bank account, and never by the employer.
PAID FOR?
The participant can choose to make a contribution of 2% or 4% of your salary. If you have 50 years or more the discount is 6%.
BY How long?
The minimum subscription period is 12 months, after which the renewal is automatic, unless the participant der indicated.
AMENDMENT PERMITTED?
A participant who has opted for a rate of 2% can increase it to 4% but only at the time of renewal of membership.
FEATURES
-- The suspension of contributions can be made in case of unemployment in the member, unable to work for more than 30 days, because of disability or by expresses willingness on the part of the employee.
-- In case of absolute invalidity, the obligation to contribute ceased, but the participant can choose to keep the capital under the accumulation so far to receive a pension in old age.
-- If in any month the worker does not complete the payment of the contribution the accumulated capital is not capitalized. The costs involved in the regularization of the account are € 0.50 for each infringement.
-- The participant is required to redeem the capital accumulated when the amount set for the monthly income is less than 2.5% of Indexante of Social Support, or if the monthly for less than 10.18 euros.
ADVANTAGES
-- At the end of discounts (in general, the retirement age), the beneficiary may choose to transfer the capital to the certificate of reform of the spouse or the children.
-- In the event of unemployment, contributions can be suspended. The same is true in case of disability.
-- The PRC can not be pledged property in any case.
-- The accession does not mean the payment of any commission or management of subscription to the State.
DISADVANTAGES
-- The deduction for investment in a collection by the Certificate of reform is only 20 percent of the contributions made to a maximum of 350 euros.
-- Are not allowed resgates advance of the value.
-- If you choose to receive the values in monthly instalments and die after the third year the remaining amount not revert to the heirs.
-- The savings is limited to a percentage of salary rather than an amount at the option of acceding.
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