{"id":266362,"date":"2025-03-31T21:29:41","date_gmt":"2025-03-31T19:29:41","guid":{"rendered":"https:\/\/tuzlainfo.ba\/?p=266362"},"modified":"2025-03-31T21:29:41","modified_gmt":"2025-03-31T19:29:41","slug":"jedna-godina-jedan-bod-izracunajte-koliku-penziju-mozete-imati-u-fbih","status":"publish","type":"post","link":"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/266362-jedna-godina-jedan-bod-izracunajte-koliku-penziju-mozete-imati-u-fbih\/","title":{"rendered":"Jedna godina, jedan bod: Izra\u010dunajte koliku penziju mo\u017eete imati u FBIH"},"content":{"rendered":"<p>Kako bi gra\u0111anima pomogli da bolje razumiju uslove za odlazak u penziju, pravila obra\u010duna i iznose penzija, obradili smo dostupne informacije na ovu temu u pinudili vam odgovore na naj\u010de\u0161\u0107a pitanja.<\/p>\n<p>U\u00a0<strong>Federaciji BiH<\/strong>, pravo na starosnu penziju ostvaruje se kada osiguranik napuni 65 godina \u017eivota i ima najmanje 15 godina sta\u017ea osiguranja. Alternativno, pravo se sti\u010de s 40 godina sta\u017ea osiguranja, bez obzira na godine \u017eivota.<\/p>\n<div class=\"ai-viewport-1\" data-insertion-position=\"prepend\" data-selector=\".ai-insert-19-31888720\" data-insertion-no-dbg=\"\" data-code=\"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\" data-block=\"19\">\n<div class=\"code-block code-block-19\">\n<div id=\"aries_div_9710003550\" class=\"aries_div\">U <strong>Republici Srpskoj<\/strong>, uslovi su sli\u010dni \u2013 osiguranik mo\u017ee ostvariti pravo na starosnu penziju sa 65 godina \u017eivota i najmanje 15 godina sta\u017ea osiguranja.<\/div>\n<\/div>\n<\/div>\n<h3><strong>Invalidska penzija \u2013 uslovi i iznosi<\/strong><\/h3>\n<p>Invalidska penzija u oba entiteta zavisi od uzroka invalidnosti i du\u017eine sta\u017ea osiguranika.<\/p>\n<p>U\u00a0<strong>FBiH<\/strong>, pravo na invalidsku penziju imaju osiguranici kod kojih je utvr\u0111ena I kategorija invalidnosti. Ako je invalidnost prouzrokovana povredom na radu ili profesionalnom bole\u0161\u0107u, pravo se ostvaruje bez obzira na du\u017einu sta\u017ea. Ako je invalidnost posljedica bolesti ili povrede van rada, potrebno je da osiguranik ima odre\u0111en broj godina sta\u017ea u odnosu na radni vijek.<\/p>\n<p>U\u00a0<strong>RS<\/strong>, osiguranik mo\u017ee ostvariti pravo na invalidsku penziju ako je gubitak radne sposobnosti nastupio prije ispunjenja uslova za starosnu penziju, a pritom ima najmanje pet godina sta\u017ea osiguranja ili deset godina penzijskog sta\u017ea. Ako je invalidnost nastupila zbog povrede na radu ili profesionalne bolesti, pravo se sti\u010de bez obzira na du\u017einu sta\u017ea.<\/p>\n<p>Iznos invalidske penzije ra\u010duna se po istom principu kao i starosna, u zavisnosti od du\u017eine sta\u017ea i visine plata na koje su pla\u0107ani doprinosi.<\/p>\n<h3><strong>Najni\u017ee i prosje\u010dne penzije u BiH<\/strong><\/h3>\n<p>U\u00a0<strong>Federaciji BiH<\/strong>, minimalna penzija iznosi\u00a0<strong>573,53 KM<\/strong>\u00a0i jednaka je za sve osiguranike s minimalnim sta\u017eom. Garantovana penzija za one s 40 godina sta\u017ea osiguranja iznosi\u00a0<strong>684,48 KM<\/strong>.<\/p>\n<p>U\u00a0<strong>Republici Srpskoj<\/strong>, najni\u017ea penzija varira prema du\u017eini sta\u017ea:<\/p>\n<ul>\n<li>Do 15 godina sta\u017ea \u2013\u00a0<strong>300,61 KM<\/strong><\/li>\n<li>15-20 godina \u2013\u00a0<strong>360,76 KM<\/strong><\/li>\n<li>20-30 godina \u2013\u00a0<strong>420,90 KM<\/strong><\/li>\n<li>30-40 godina \u2013\u00a0<strong>481,08 KM<\/strong><\/li>\n<li>Preko 40 godina \u2013\u00a0<strong>601,35 KM<\/strong><\/li>\n<\/ul>\n<p>Prosje\u010dna penzija za one s punim sta\u017eom od 40 godina u\u00a0<strong>FBiH<\/strong>\u00a0iznosi\u00a0<strong>1.058 KM<\/strong>\u00a0(oko 75% prosje\u010dne plate), dok je u\u00a0<strong>RS-u<\/strong>\u00a0prosje\u010dna penzija za 40 godina sta\u017ea\u00a0<strong>888,57 KM<\/strong>, \u0161to je\u00a0<strong>62,58%<\/strong>\u00a0prosje\u010dne plate.<\/p>\n<p>Kod obra\u010duna penzije, visina penzije se utvr\u0111uje kroz sistem bodova. Za svaku godinu radnog sta\u017ea, bruto pla\u0107a osiguranika se upore\u0111uje s prosje\u010dnom bruto pla\u0107om u Republici Bosni i Hercegovini (RBiH) ili Federaciji BiH (FBiH), zavisno od vremena ostvarivanja prihoda, \u010dime se dobija broj bodova za tu godinu.<\/p>\n<h3><strong>Jedan bod za jednu godinu<\/strong><\/h3>\n<p>Ako je radni period u odre\u0111enoj godini kra\u0107i, obra\u010dunava se prema prosje\u010dnim vrijednostima za isti period u RBiH ili FBiH. Ukupni zbir bodova ostvaren tokom cjelokupnog radnog vijeka mno\u017ei se sa vrijedno\u0161\u0107u boda va\u017ee\u0107om u godini odlaska u penziju, \u010dime se dobija kona\u010dan iznos penzije, koji reflektuje ukupno upla\u0107ene doprinose tokom radnog vijeka.<\/p>\n<p>Primjera radi, ukoliko radnik tokom 12 mjeseci jedne godine ostvaruje pla\u0107u jednaku prosje\u010dnoj pla\u0107i te godine, za tu godinu dobija jedan bod. U zavisnosti od visine pla\u0107e, radnik mo\u017ee ostvariti vi\u0161e ili manje od jednog boda. Ako je, naprimjer, pla\u0107a radnika iznosila polovinu prosje\u010dne pla\u0107e, ostvaruje 0,5 bodova za tu godinu. S druge strane, ukoliko je pla\u0107a tri puta vi\u0161a od prosje\u010dne, radnik ostvaruje tri boda.<\/p>\n<p>Prema Zakonu o penzijskom i invalidskom osiguranju, za izra\u010dun li\u010dnih bodova, penzijski sta\u017e osiguranika mo\u017ee iznositi vi\u0161e od 40 godina.<\/p>\n<p>Visina penzije izra\u010dunava se kao proizvod li\u010dnog boda i op\u0161teg boda i u nastavku vam donosimo primjer izra\u010duna penzije.<\/p>\n<h3>Li\u010dni bodi i osnovna formula<\/h3>\n<p>Da bismo dobili li\u010dni bod, moramo odrediti li\u010dni koeficijent, koji zavisi od odnosa plate osiguranika prema prosje\u010dnoj plati u FBiH.<\/p>\n<p>Osiguranik s 40 godina sta\u017ea i platom u visini prosje\u010dne plate u FBiH, koja prema posljednjim podacima iznosi 1415 KM, ostvaruje po jedan bod za svaku godinu sta\u017ea. To zna\u010di da za 40 godina radnog sta\u017ea osiguranik ima ukupno 40 bodova. Ti bodovi se mno\u017ee s vrijedno\u0161\u0107u op\u0161teg boda, koja po zakonu donesenom 2022. godine iznosi 16,35 KM.<\/p>\n<h3>\u00a0Primjer izra\u010duna<\/h3>\n<ul>\n<li>Plata jednaka prosje\u010dnoj (1415 KM): 40 bodova \u00d7 16,35 KM = 654 KM<\/li>\n<li>Plata upola manja od prosje\u010dne (707,5 KM): 20 bodova \u00d7 16,35 KM = 327 KM<\/li>\n<li>Plata dvostruko ve\u0107a od prosje\u010dne (2830 KM): 80 bodova \u00d7 16,35 KM = 1308 KM<\/li>\n<\/ul>\n<p>Plata ispod prosje\u010dne smanjuje broj bodova, pa ako je, primjerice, u visini polovine prosje\u010dne plate, bod iznosi 0,5. S druge strane, za platu dvostruko ve\u0107u od prosje\u010dne, broj bodova se udvostru\u010duje.<\/p>\n<p>Vi\u0161e informacija o pravima penzinera kada je u pitanju starosna penzija pogledajte<a href=\"https:\/\/www.fzmiopio.ba\/osiguranici-hr\/?lang=hr\"><strong> OVDJE<\/strong><\/a>.<\/p>\n<p><strong>PRO\u010cITAJTE I OVO: &gt;&gt;&gt;&gt;&gt;&gt;&gt;<\/strong><\/p>\n<p><strong><a href=\"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/259553-za-koliko-ce-penzije-u-fbih-biti-povecane-u-2025-godini\/#goog_rewarded\">Za koliko \u0107e penzije u FBiH biti pove\u0107ane u 2025. godini? \u2013 TuzlaInfo.ba<\/a><\/strong><br \/>\n<strong><a href=\"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/261206-dobre-vijesti-uskoro-povecanje-penzija-u-fbih-moguce-i-dvije-jednokratne-naknade\/#goog_rewarded\">Dobre vijesti: Uskoro pove\u0107anje penzija u FBiH, mogu\u0107e i dvije jednokratne naknade \u2013 TuzlaInfo.ba<\/a><\/strong><\/p>\n<p><strong><a href=\"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/251025-kako-provjeriti-radni-staz-u-bih-moguce-je-i-uz-par-klikova-na-internetu\/\">Kako provjeriti radni sta\u017e u BiH, mogu\u0107e je i uz par klikova na internetu \u2013 TuzlaInfo.ba<\/a><\/strong><\/p>\n<p><strong><a href=\"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/259749-promijenjena-pravila-u-2025-koji-su-uslovi-za-prijevremenu-penziju-u-bih\/\">Promijenjena pravila u 2025.: Koji su uslovi za prijevremenu penziju u BiH? \u2013 TuzlaInfo.ba<\/a><\/strong><\/p>\n<p><strong><a href=\"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/260339-kako-se-sada-racuna-iznos-penzije-u-fbih-i-sta-mijenja-povecanje-minimalca\/#goog_rewarded\">Kako se sada ra\u010duna iznos penzije u FBiH i \u0161ta mijenja pove\u0107anje minimalca? \u2013 TuzlaInfo.ba<\/a><\/strong><\/p>\n<h3><strong>Porodi\u010dna penzija \u2013 ko ima pravo?<\/strong><\/h3>\n<p>Pravo na porodi\u010dnu penziju imaju \u010dlanovi porodice preminulog osiguranika ili korisnika penzije. U oba entiteta ovo pravo imaju:<\/p>\n<ul>\n<li>Bra\u010dni i vanbra\u010dni supru\u017enici<\/li>\n<li>Razvedeni supru\u017enici ako im je presudom dosu\u0111eno pravo na izdr\u017eavanje<\/li>\n<li>Djeca (ro\u0111ena u braku, van braka, usvojena, pastor\u010dad ili unu\u010dad bez roditelja ako ih je preminuli izdr\u017eavao)<\/li>\n<li>Roditelji koje je umrli osiguranik izdr\u017eavao<\/li>\n<\/ul>\n<h3><strong>Mogu\u0107nost dokupa sta\u017ea<\/strong><\/h3>\n<p>U\u00a0<strong>FBiH<\/strong>, osobe kojima nedostaje do tri godine sta\u017ea kako bi stekle pravo na starosnu penziju mogu izvr\u0161iti uplatu doprinosa preko Slu\u017ebe za zapo\u0161ljavanje.<\/p>\n<p>U\u00a0<strong>RS<\/strong>, dokupljivanje sta\u017ea nije mogu\u0107e od 2004. godine, ali osiguranik mo\u017ee retroaktivno uplatiti doprinose za periode u kojima su mu nedostajale uplate, pod uslovom da mu ta uplata omogu\u0107ava ostvarenje prava na penziju.<\/p>\n<h3><strong>Iznos posmrtnine za korisnike penzije<\/strong><\/h3>\n<p>U\u00a0<strong>FBiH<\/strong>, \u010dlan porodice koji je snosio tro\u0161kove sahrane ima pravo na posmrtninu u visini prosje\u010dne penzije ispla\u0107ene u mjesecu prije smrti korisnika.<\/p>\n<p>U\u00a0<strong>RS<\/strong>, pravo na pogrebne tro\u0161kove u iznosu od\u00a0<strong>500 KM<\/strong>\u00a0imaju \u010dlanovi porodice ili osoba koja je snosila tro\u0161kove sahrane, a isplata se vr\u0161i u narednom mjesecu nakon podno\u0161enja zahtjeva.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kako bi gra\u0111anima pomogli da bolje razumiju uslove za odlazak u penziju, pravila obra\u010duna i iznose penzija, obradili smo dostupne informacije na ovu temu u pinudili vam odgovore na naj\u010de\u0161\u0107a pitanja. U\u00a0Federaciji BiH, pravo na starosnu penziju ostvaruje se kada osiguranik napuni 65 godina \u017eivota i ima najmanje 15 godina sta\u017ea osiguranja. Alternativno, pravo se [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":71724,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[291],"tags":[11734,3163],"class_list":["post-266362","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bosna-i-hercegovina","tag-izracun-penzije","tag-penzija"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Jedna godina, jedan bod: Izra\u010dunajte koliku penziju mo\u017eete imati u FBIH<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/266362-jedna-godina-jedan-bod-izracunajte-koliku-penziju-mozete-imati-u-fbih\/\" \/>\n<meta property=\"og:locale\" content=\"bs_BA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Jedna godina, jedan bod: Izra\u010dunajte koliku penziju mo\u017eete imati u FBIH\" \/>\n<meta property=\"og:description\" content=\"Kako bi gra\u0111anima pomogli da bolje razumiju uslove za odlazak u penziju, pravila obra\u010duna i iznose penzija, obradili smo dostupne informacije na ovu temu u pinudili vam odgovore na naj\u010de\u0161\u0107a pitanja. U\u00a0Federaciji BiH, pravo na starosnu penziju ostvaruje se kada osiguranik napuni 65 godina \u017eivota i ima najmanje 15 godina sta\u017ea osiguranja. Alternativno, pravo se [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/266362-jedna-godina-jedan-bod-izracunajte-koliku-penziju-mozete-imati-u-fbih\/\" \/>\n<meta property=\"og:site_name\" content=\"TuzlaInfo.ba\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/tuzlainfo.ba\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-03-31T19:29:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/tuzlainfo.ba\/wp-content\/uploads\/2019\/07\/sadrzaj_2019_20190701_1607_porez.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"770\" \/>\n\t<meta property=\"og:image:height\" content=\"513\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"nedim\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" 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