{"id":292964,"date":"2026-01-31T11:58:47","date_gmt":"2026-01-31T10:58:47","guid":{"rendered":"https:\/\/tuzlainfo.ba\/?p=292964"},"modified":"2026-01-30T08:45:43","modified_gmt":"2026-01-30T07:45:43","slug":"kako-sacuvati-pravo-na-penziju-uprkos-radu-na-crno","status":"publish","type":"post","link":"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/292964-kako-sacuvati-pravo-na-penziju-uprkos-radu-na-crno\/","title":{"rendered":"Kako sa\u010duvati pravo na penziju uprkos radu na crno?"},"content":{"rendered":"

Uprkos poja\u010danim inspekcijskim kontrolama i najavama borbe protiv rada na crno, dio radnika u Federaciji Bosne i Hercegovine i dalje godinama radi bez prijave i bez upla\u0107enih doprinosa, \u0161to ih u starijoj \u017eivotnoj dobi dovodi u rizik da ostanu bez prava na penziju. Iako zakon predvi\u0111a mogu\u0107nost dobrovoljnog penzijskog osiguranja, ta opcija ima jasne uslove i ograni\u010denja koja mnogi gra\u0111ani prekasno saznaju.<\/p>\n

Dobrovoljno penzijsko osiguranje namijenjeno je osobama koje nisu obuhva\u0107ene obaveznim osiguranjem, a imaju prebivali\u0161te u Federaciji BiH ili Br\u010dko distriktu, dr\u017eavljanstvo Bosne i Hercegovine, op\u0107u zdravstvenu sposobnost i najmanje 15 godina \u017eivota. Klju\u010dni uslov je starosna granica, jer se ovaj vid osiguranja mo\u017ee koristiti najkasnije do navr\u0161ene 65. godine \u017eivota. Nakon toga vi\u0161e ne postoji mogu\u0107nost da se sta\u017e nadoknadi uplatom dobrovoljnih doprinosa.<\/p>\n

Mjese\u010dni iznos doprinosa za dobrovoljno osiguranje utvr\u0111uje se svake godine na osnovu prosje\u010dne plate u Federaciji BiH. Za 2026. godinu on iznosi 418,88 konvertibilnih maraka, \u0161to je zna\u010dajno vi\u0161e u odnosu na prethodne godine. Tokom 2025. godine iznos je bio 359,89 KM, 2024. godine 329,63 KM, dok je 2023. godine iznosio 288,83 KM. Kontinuirani rast osnovice dodatno optere\u0107uje gra\u0111ane koji sami poku\u0161avaju osigurati penzijski sta\u017e.<\/p>\n

Posebno te\u0161ka situacija je za one koji navr\u0161e 65 godina, a kojima nedostaje nekoliko mjeseci ili godina sta\u017ea za ostvarivanje prava na penziju. Iako imaju novac i spremnost da uplate doprinose, zakon im to ne dozvoljava. Jedina mogu\u0107nost u tom slu\u010daju jeste ponovno zasnivanje radnog odnosa, uz uslov da poslodavac redovno upla\u0107uje doprinose. Kao izuzetak navode se situacije u kojima je osoba bila prijavljena, ali joj doprinosi nisu upla\u0107ivani, tada postoji mogu\u0107nost naknadnog regulisanja sta\u017ea, li\u010dno ili putem firme u kojoj je radila.<\/p>\n

Iz Federalnog zavoda za penzijsko i invalidsko osiguranje vi\u0161e puta su upozoravali gra\u0111ane da na vrijeme provjere koliko im je sta\u017ea upla\u0107eno, kako se ne bi doveli u situaciju da zbog nekoliko neupla\u0107enih mjeseci izgube pravo na penziju. Takvi slu\u010dajevi nisu rijetkost, posebno me\u0111u radnicima koji su godinama radili u sivoj ekonomiji ili kod poslodavaca koji nisu po\u0161tovali zakonske obaveze.<\/p>\n

Prema va\u017ee\u0107em Zakonu o penzijskom i invalidskom osiguranju Federacije BiH, za ostvarivanje prava na najni\u017eu penziju potrebno je najmanje 15 godina radnog sta\u017ea. Trenutni iznos minimalne penzije iznosi 599,28 KM, a najavljeno je da \u0107e tokom ove godine biti pove\u0107an za 17 posto. Istovremeno se pripremaju izmjene zakona koje bi, ukoliko budu usvojene u Parlamentu Federacije BiH, trebale donijeti novi na\u010din obra\u010duna minimalne penzije i dodatne promjene u penzijskom sistemu.<\/p>\n

Dok se zakonska rje\u0161enja ne izmijene, nadle\u017eni upozoravaju da je pravovremeno informisanje o radnom sta\u017eu klju\u010dno, jer se propu\u0161tene godine nakon navr\u0161ene zakonske starosne granice vi\u0161e ne mogu nadoknaditi, bez obzira na finansijske mogu\u0107nosti pojedinca.<\/p>\n","protected":false},"excerpt":{"rendered":"

Uprkos poja\u010danim inspekcijskim kontrolama i najavama borbe protiv rada na crno, dio radnika u Federaciji…<\/p>\n","protected":false},"author":8,"featured_media":160169,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[291,304],"tags":[3163,1885,8931],"acf":[],"yoast_head":"\nKako sa\u010duvati pravo na penziju uprkos radu na crno? - TuzlaInfo.ba<\/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\/292964-kako-sacuvati-pravo-na-penziju-uprkos-radu-na-crno\/\" \/>\n<meta property=\"og:locale\" content=\"bs_BA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kako sa\u010duvati pravo na penziju uprkos radu na crno? - TuzlaInfo.ba\" \/>\n<meta property=\"og:description\" content=\"Uprkos poja\u010danim inspekcijskim kontrolama i najavama borbe protiv rada na crno, dio radnika u Federaciji…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/292964-kako-sacuvati-pravo-na-penziju-uprkos-radu-na-crno\/\" \/>\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=\"2026-01-31T10:58:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-30T07:45:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/tuzlainfo.ba\/wp-content\/uploads\/2022\/01\/0301_novac_KM.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"900\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Admin Tri\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Admin Tri\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/292964-kako-sacuvati-pravo-na-penziju-uprkos-radu-na-crno\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/292964-kako-sacuvati-pravo-na-penziju-uprkos-radu-na-crno\/\"},\"author\":{\"name\":\"Admin Tri\",\"@id\":\"https:\/\/tuzlainfo.ba\/#\/schema\/person\/593e78a2f6378c5ba3e7600ecfa4e63a\"},\"headline\":\"Kako sa\u010duvati pravo na penziju uprkos radu na crno?\",\"datePublished\":\"2026-01-31T10:58:47+00:00\",\"dateModified\":\"2026-01-30T07:45:43+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/292964-kako-sacuvati-pravo-na-penziju-uprkos-radu-na-crno\/\"},\"wordCount\":491,\"publisher\":{\"@id\":\"https:\/\/tuzlainfo.ba\/#organization\"},\"image\":{\"@id\":\"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/292964-kako-sacuvati-pravo-na-penziju-uprkos-radu-na-crno\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/tuzlainfo.ba\/wp-content\/uploads\/2022\/01\/0301_novac_KM.jpg\",\"keywords\":[\"penzija\",\"penzioneri\",\"rad na crno\"],\"articleSection\":[\"Bosna i Hercegovina\",\"Istaknuto\"],\"inLanguage\":\"bs-BA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/292964-kako-sacuvati-pravo-na-penziju-uprkos-radu-na-crno\/\",\"url\":\"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/292964-kako-sacuvati-pravo-na-penziju-uprkos-radu-na-crno\/\",\"name\":\"Kako sa\u010duvati pravo na penziju uprkos radu na crno? 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