{"id":281603,"date":"2025-09-24T09:08:48","date_gmt":"2025-09-24T07:08:48","guid":{"rendered":"https:\/\/tuzlainfo.ba\/?p=281603"},"modified":"2025-09-24T08:09:18","modified_gmt":"2025-09-24T06:09:18","slug":"izmjene-zakona-o-pio-u-za-pojedine-znatno-nize-penzije-od-2026-godine","status":"publish","type":"post","link":"https:\/\/tuzlainfo.ba\/index.php\/istaknuto\/item\/281603-izmjene-zakona-o-pio-u-za-pojedine-znatno-nize-penzije-od-2026-godine\/","title":{"rendered":"Izmjene Zakona o PIO-u: Za pojedine znatno ni\u017ee penzije od 2026. godine"},"content":{"rendered":"<p>U Prijedlogu izmjena i dopuna Zakona o penzijskom i invalidskom osiguranju koji jo\u0161 nije do\u0161ao na Vladu Federacije, a koji se nalazi u posjedu Faktora, stoji kako je zna\u010dajno izmijenjen \u010dlan 81, a prema kojem, najjednostavnije re\u010deno, onaj ko ima 15 godina sta\u017ea i 65 godina \u017eivota, stupanjem na snagu ovog zakona (1. januar 2026) \u0107e imati otprilike 390 KM penzije, a ko ode ove godine sa istim uvjetima imat \u0107e nekih 600 KM ili ta\u010dnije 599,28 KM, pi\u0161e <a href=\"https:\/\/faktor.ba\/bosna-i-hercegovina\/aktuelno\/izmjene-zakona-o-pio-u-ko-dogodine-ode-u-penziju-sa-15-godina-staza-imat-ce-390-km-penzije-a-ove-godine-599-km\/231063\"><strong>Faktor<\/strong><\/a>.<\/p>\n<p><strong>Sa 35 godina sta\u017ea imat \u0107ete penziju 553 KM<\/strong><\/p>\n<p>U izmjenama stoji da za 15 godina penzijskog sta\u017ea i vi\u0161e, a manje od 20 godina, penzija ne mo\u017ee biti ni\u017ea od 60 posto od prosje\u010dne penzije u FBiH iz decembra prethodne godine. To zna\u010di, s obzirom na to da sada prosje\u010dna penzija iznosi 651,49 KM, a 60 posto od tog iznosa je 390 KM. Dakle, penzija bi za ovu kategoriju iznosila 390 KM od 1. januara 2026. godine jer se prosje\u010dna penzija ne\u0107e znatnije promijeniti. Ko po sada\u0161njem zakonu ode u penziju pod ovim uvjetima, imat \u0107e penziju 599 KM. Dalje, prema izmjenana i dopuna Zakona o PIO-u, za 20 godina penzijskog sta\u017ea i vi\u0161e, a manje od 25 godina, penzija ne mo\u017ee biti ni\u017ea od 65 posto od prosje\u010dne penzije u FBiH, a \u0161to je kada se izra\u010duna prema sada\u0161njoj prosje\u010dnoj penziji 423 KM.<\/p>\n<p><strong>Za 25 godina penzijskog sta\u017ea i vi\u0161e, a manje od 30 godina, penzija ne mo\u017ee biti ni\u017ea od 70 posto od prosje\u010dne penzije, a \u0161to je po izra\u010dunu 456 KM.<\/strong><\/p>\n<p><strong>Za 35 godina penzijskog sta\u017ea i vi\u0161e, a manje od 40 godina, penzija ne mo\u017ee biti ni\u017ea od 85 posto od prosje\u010dne penzije, a \u0161to je 553 KM.<\/strong><\/p>\n<p><strong>Za 40 godina penzijskog sta\u017ea i vi\u0161e penzija ne mo\u017ee biti ni\u017ea od 95 posto od prosje\u010dne penzije u FBiH, a \u0161to je 618 KM.<\/strong><\/p>\n<p>Na pismeni zahtjev predstavnika penzionera u Federaciji BiH, trenutno va\u017ee\u0107a odredba \u010dlana 81. je zna\u010dajno izmijenjena, gdje je zadr\u017ean za\u0161titni mehanizam najni\u017ee penzije uz zna\u010dajne korekcije u vidu osiguranja vi\u0161e nivoa najni\u017eeg iznosa penzije korisnicima prijevremene starosne penzije.<\/p>\n<p>Prijedlog udru\u017eenja penzionera je ukazao na potrebu da se sistem penzijskog osiguranja u Federaciji BiH treba za\u0161tititi od malverzacija i zloupotreba, koje su evidentne, prema kojem osiguranici manipuli\u0161u sistemom kroz postoje\u0107u odredbu gdje svjesno idu na minimalan broj godina osiguranja (15 godina sta\u017ea), za koji se vr\u0161e minimalne uplate doprinosa za penzijsko i invalidsko osiguranje.<\/p>\n<p>Izra\u010dunata penzija u tom slu\u010daju je cirka 200 do 300 KM, ali usljed postoje\u0107e odredbe stava 1. \u010dlana 81. takvim osiguranicima se ispla\u0107uje iznos ne manji od najni\u017ee penzije odnosno cirka 590 KM &#8211; navodi se u obrazlo\u017eenju izmjena zakona \u010diji je predlaga\u010d Federalno ministarstvo rada i socijalne politike.<\/p>\n<p><strong>Mla\u0111i osiguranici rade bez prijave uzimaju\u0107i bruto pla\u0107e<\/strong><\/p>\n<p>Navodi se kako razliku od stvarnog izra\u010dunatog iznosa penzije do najni\u017eeg iznosa penzije pla\u0107aju drugi osiguranici koji su radili puni radni vijek, \u0161to je nepo\u0161teno.<\/p>\n<p>U tom kontekstu osiguranici idu svjesno na minimalan period (15 godina sta\u017ea) i minimalne uplate ra\u010dunaju\u0107i da \u0107e dobiti relativno visok iznos najni\u017ee penzije i na taj na\u010din konzumirati zna\u010dajno vi\u0161e sredstava u odnosu na svoj finansijski doprinos penzijskom sistemu. Budu\u0107i da na osnovu odluka najvi\u0161ih sudskih instanci vi\u0161e nema ograni\u010denja u pogledu istovremene mogu\u0107nosti primanja penzije i pla\u0107e to uplata na najni\u017ei iznos penzije postaje atraktivna i skoro pa pravilo naro\u010dito kod mla\u0111ih osiguranika. Mla\u0111i osiguranici u ovakvom stanju rade bez prijave na osiguranje, uzimaju\u0107i bruto iznos pla\u0107e bez pla\u0107anja doprinosa \u0161to nesporno vodi uru\u0161avanju penzijskog sistema. Tako\u0111er, destimulativno djeluje na osiguranike koji rade 20, 30 ili do 40 godina sta\u017ea osiguranja i koji su za\u0161ti\u0107eni tzv. zagarantovanom penzijom u iznosu cirka 680. KM. Dakle, imamo situaciju da onaj ko radi 15 godina ima najni\u017eu penziju od cca 590 KM, a osiguranik koji radi 40 godina i vi\u0161e ima zagarantovani iznos penzije od cirka 680 KM, a razlika je svega cirka 100 KM &#8211; navodi se u obrazlo\u017eenju predlo\u017eenih izmjena.<\/p>\n<p>Mustafa Traki\u0107, \u010dlan Upravnog odbora Saveza udru\u017eenja penzionera FBiH, ka\u017ee kako je Ministarstvo rada i socijalne politike tra\u017eilo izmjene \u010dlana 81. Zakona o PIO-u, a \u0161to su penzioneri podr\u017eali.<\/p>\n<p>&#8211; Mi smo tra\u017eli izmjene \u010dlanova 79, 80, 147. Sada su na penzionere natovarili razlog izmjena \u010dlana 81. Morat \u0107e oni malo preformulisati taj \u010dlan. Moraju na\u0107i bolju definiciju, ali ne mo\u017ee ni ostati kako je bilo. Ne mo\u017ee onaj sa 40 godina sta\u017ea i sa osam godina sta\u017ea imati istu penziju, a takvih imamo 180.000 u FBiH. Sada je sva socijalna kategorija svrstana u minimalne penzije, morat \u0107e se to promijeniti, ali ne na ovaj na\u010din &#8211; govori Traki\u0107.<\/p>\n<p>\u0160to se ti\u010de izmjena \u010dlana 79. koji se ti\u010de uskla\u0111ivanja penzija, u izmjenama zakona stoji da \u0107e se penzije uskla\u0111ivati dva puta godi\u0161nje i to 1. januara i 1. jula svake kalendarske godine, sa stopom rasta, odnosno smanjenja indeksa potro\u0161a\u010dkih cijena i bruto pla\u0107a u Federaciji u prethodnom polugodi\u0161tu u odnosu na polugodi\u0161te koje mu prethodi i to po stopi koja predstavlja zbir 60 posto stope rasta, odnosno, smanjenja indeksa potro\u0161a\u010dkih cijena i 40 posto stope rasta, odnosno, smanjenja bruto pla\u0107e.<\/p>\n<p>Iako su penzioneri protiv toga, iz zakona je izbrisan \u010dlan 80. koji se ti\u010de vanrednog pove\u0107anja penzija.<\/p>\n<p><strong>Negativni efekti po stabilnost penzijskog sistema<\/strong><\/p>\n<p>&#8211; Brisan je \u010dlan 80. Zakona koji ure\u0111ivao \/ propisivao mogu\u0107nost vanrednog pove\u0107anja penzija. Analiza postoje\u0107eg zakonskog rje\u0161enja (postojanje vanrednog uskla\u0111ivanja) su pokazale da ovakva mogu\u0107nost koja se koristila u prethodnom periodu dugoro\u010dno imala zna\u010dajne negativne efekte po stabilnost penzijskog sistema. Naime, takva mogu\u0107nost se naj\u010de\u0161\u0107e koristila u periodima u kojim opadaju parametri razvoja dru\u0161tva (kriznim periodima), \u0161to je apsolutno neprimjereno, jer u situaciji kada padaju parametri \/ prihodi zna\u010dajno su pove\u0107avani rashodi.<\/p>\n<p>Primjera radi, mogu\u0107nost vanrednog pove\u0107anja penzija dovodi do sljede\u0107eg: s obzirom na to da je u 2025. godini o\u010dekivana stopa rasta bruto pla\u0107e je otprilike 17 posto, u projekciji stopa vanrednog uskla\u0111ivanja je 10 posto. U slu\u010daju primjene vanrednog uskla\u0111ivanja penzija od npr. 10 posto, ukupna stopa rasta penzija u 2026. godini bila bi nekih 23 posto, \u0161to zna\u010di da bi stopa rasta penzija bila zna\u010dajno ve\u0107a od stope rasta pla\u0107a. Takav sistem bi svakako bio neodr\u017eiv &#8211; stoji u obrazlo\u017eenju izmjena zakona.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>U Prijedlogu izmjena i dopuna Zakona o penzijskom i invalidskom osiguranju koji jo\u0161 nije do\u0161ao na Vladu Federacije, a koji se nalazi u posjedu Faktora, stoji kako je zna\u010dajno izmijenjen \u010dlan 81, a prema kojem, najjednostavnije re\u010deno, onaj ko ima 15 godina sta\u017ea i 65 godina \u017eivota, stupanjem na snagu ovog zakona (1. januar 2026) [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":67245,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[304,12],"tags":[1657,1885,2824],"class_list":["post-281603","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-istaknuto","category-novosti","tag-penzije","tag-penzioneri","tag-zakon-o-pio"],"yoast_head":"<!-- This site is optimized with 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