Pension law in the Netherlands has become its own legal area. It includes all pension laws and regulations that provide replacement income for employees after retirement. Examples include very specific legislation such as the Pensions Act, the Compulsory Participation in an Industry Pension Fund XNUMX Act or the Equalization of Pension Rights in the Event of Divorce Act. This legislation concerns, among other things, the conditions that must be met in order to qualify for a pension, the rules regarding the management and payment of pension rights by pension providers and the measures to prevent pension infringements.

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Ofin ifehinti

Pension law in the Netherlands has become its own legal area. It includes all pension laws and regulations that provide replacement income for employees after retirement. Examples include very specific legislation such as the Pensions Act, the Compulsory Participation in an Industry Pension Fund XNUMX Act or the Equalization of Pension Rights in the Event of Divorce Act. This legislation concerns, among other things, the conditions that must be met in order to qualify for a pension, the rules regarding the management and payment of pension rights by pension providers and the measures to prevent pension infringements.

Akojọ aṣyn kiakia

Despite the fact that pension law is its own legal area, it also has many interfaces with the other areas of law. That is why, in the context of pension law, in addition to specific legislation and regulations, general legislation and regulations in the field of employment law, for example, also apply. For example, a pension is an important working condition for many employees, which is laid down and discussed in the employment contract. This condition partly determines the income in old age. In addition to employment law, the following areas of law can also be considered:

• Ofin layabiliti;
• Ofin adehun;
• Ofin owo-ori;
• Ofin Iṣeduro;
• Idogba awọn ẹtọ ifẹhinti lẹnu iṣẹ ti ikọsilẹ.

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Ipese ifẹhinti ti o pese owo oya rirọpo fun awọn oṣiṣẹ lẹhin ifẹhinti lẹnu iṣẹ tun ni a npe ni owo ifẹhinti. Ni Fiorino, eto ipese ifẹhinti lẹnu iṣẹ, tabi eto ifẹhinti, ni awọn ọwọn mẹta:

Owo ifẹhinti ti ipilẹ. Owo ifẹhinti ti ipilẹ tun tọka si bi ipese OW. Gbogbo eniyan ni Fiorino ni ẹtọ si iru ipese bẹẹ. Sibẹsibẹ, awọn ipo pupọ wa ti o so mọ eyi. Ipo akọkọ fun gbigba ipese AOW ni pe ọjọ-ori kan, eyun ọdun 67, gbọdọ ti de. Ipo miiran ni pe ẹnikan gbọdọ ti ṣiṣẹ nigbagbogbo tabi gbe ni Fiorino. Fun gbogbo ọdun ti eniyan n gbe ni Fiorino lati ọjọ 15 si ọjọ-ori 67, 2% ti ipese AOW ti o pọ julọ ni a gba wọle. A ko nilo itan oojọ ninu ọran yii.

Awọn ẹtọ ifẹhinti lẹnu iṣẹ. Ọwọn yii ni awọn ẹtọ ti eniyan ti gba lakoko igbesi aye rẹ ti o n lo bi owo ifẹhinti afikun si owo ifẹhinti ipilẹ. Ni pataki diẹ sii, afikun yii ni ifiyesi owo-oṣu ti a da duro ti o san ni apapọ nipasẹ agbanisiṣẹ ati oṣiṣẹ ni irisi Ere kan. Nitorina ifẹhinti ifikun ni nigbagbogbo kọ laarin ibasepọ oṣiṣẹ-agbanisiṣẹ, nitorinaa ninu ọran yii o nilo itan oojọ. Ni Fiorino, sibẹsibẹ, ko si ọranyan ofin gbogbogbo fun agbanisiṣẹ lati kọ owo ifẹhinti (afikun) fun awọn oṣiṣẹ wọn. Eyi tumọ si pe awọn adehun gbọdọ ṣee ṣe laarin oṣiṣẹ ati agbanisiṣẹ ni iyi yii. Law & More dajudaju yoo dun lati ran ọ lọwọ pẹlu eyi.

Owo ifehinti Atinuwa. Ọwọn yii kan ni pataki si gbogbo awọn ipese owo-wiwọle ti eniyan ti ṣe ara wọn ṣaaju ọjọ ogbó wọn. Awọn apẹẹrẹ pẹlu awọn ọdun, iṣeduro igbesi aye ati owo oya lati inifura. O jẹ akọkọ ti oṣiṣẹ ti ara ẹni ati awọn oniṣowo ti o ni lati gbẹkẹle ọwọn yii fun owo ifẹhinti wọn.

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Pelu otitọ pe awọn agbanisiṣẹ ni Fiorino ko ni ọranyan lati seto owo ifẹhinti (afikun) fun awọn oṣiṣẹ wọn, labẹ awọn ayidayida kan wọn tun le jẹ ọranyan lati ṣeto ifẹhinti lẹnu iṣẹ. Eyi ni ọran, fun apẹẹrẹ, ti ikopa ninu eto ifẹhinti lẹtọ jẹ dandan fun agbanisiṣẹ nipasẹ inawo ifẹhinti ti gbogbo ile-iṣẹ. Iṣẹ ọranyan yii waye ti ibeere ti a pe ni dandan ba kan si eka kan pato: apejuwe ti o fọwọsi nipasẹ minisita ti eka eyiti eyiti o jẹ dandan ikopa ninu owo ifẹyinti owo-iṣẹ gbogbo ile-iṣẹ kan. Ikopa Ti o ni ipa ninu Ofin Owo Owo Ifẹhinti Iṣẹ Iṣẹ 2000 ṣe ilana iṣeeṣe ti eto ifẹhinti ti a fi agbara mu fun gbogbo awọn oṣiṣẹ ni ile-iṣẹ kan pato tabi eka kan.

Ti ikopa ninu apo-owo ifẹhinti ti gbogbo ile-iṣẹ jẹ dandan, awọn agbanisiṣẹ ti n ṣiṣẹ ni eka ti o baamu gbọdọ forukọsilẹ pẹlu owo ifẹhinti ile-iṣẹ jakejado. Lẹhinna, inawo n beere alaye nipa awọn oṣiṣẹ lati pese ati pe awọn agbanisiṣẹ gba iwe-owo kan fun owo ifẹhinti ti wọn ni lati sanwo. Ti awọn agbanisiṣẹ ko ba ni ajọṣepọ pẹlu iru owo ifẹhinti ti gbogbo ile-iṣẹ, botilẹjẹpe ọranyan wa lati ṣe bẹ, wọn yoo wa ni ipo ailaanu. Lẹhin gbogbo ẹ, ni ọran yẹn aye kan wa pe owo ifẹhinti jakejado ile-iṣẹ yoo tun beere isanwo Ere ni kikun fun gbogbo ọdun sẹhin. Ni Law & More a ye wa pe eyi ni abajade buruju fun awọn agbanisiṣẹ. Ti o ni idi Law & MoreAwọn ogbontarigi ti ṣetan lati ṣe iranlọwọ fun ọ lati yago fun iru ailaanu bẹẹ.

Pension lawOwo ifẹhinti

Orisun ti ofin ifẹhinti ni Ofin Ifẹhinti. Ofin Awọn owo ifẹhinti pẹlu awọn ofin pe:

• Ṣe idiwọ gbigbe awọn ẹtọ ifẹhinti lẹnu iṣẹ
• Fifun awọn ẹtọ pẹlu iyi si gbigbe iye ni iṣẹlẹ ti aṣeyọri agbanisiṣẹ;
• Ṣe ipinnu ikopa ti oṣiṣẹ pẹlu iyi si ilana ti olupese iṣẹ ifehinti;
• Beere oye ti o kere julọ nipa imọran ti awọn ọmọ ẹgbẹ igbimọ ti awọn olupese ifẹhinti;
• Ṣatunṣe ọna eyiti o yẹ ki o ṣe inawo awọn owo ifẹhinti;
• Ṣe ilana awọn adehun alaye ti o kere julọ ti olupese iṣẹ ifehinti.

Ọkan ninu awọn ilana pataki miiran ni Ofin Ifẹhinti ṣe ifiyesi awọn ipo ti, ti o ba pari, adehun ifẹhinti laarin agbanisiṣẹ ati oṣiṣẹ gbọdọ pade. Ni ipo yii, Abala 23 ti ofin Awọn owo ifẹhinti ṣalaye pe adehun ifẹhinti gbọdọ wa ni gbe laarin owo ifẹhinti ifẹhinti ti a mọ tabi aṣeduro owo ifẹhinti ti a mọ. Ti agbanisiṣẹ ko ba ṣe eyi, tabi o kere ju ko to, o gba eewu ti onigbọwọ agbanisiṣẹ, eyiti o le bẹrẹ nipasẹ oṣiṣẹ nipasẹ awọn ofin gbogbogbo ti ofin adehun. Ni afikun, ibamu pẹlu ofin ati awọn ilana ni o tọ ti ofin owo ifẹhinti, bi a ti sọ tẹlẹ, jẹ abojuto nipasẹ DNB ati AFM, nitorinaa awọn ibafin tun jẹ aṣẹ nipasẹ awọn igbese miiran.

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