{"id":313139,"date":"2026-08-17T21:45:16","date_gmt":"2026-08-17T19:45:16","guid":{"rendered":"https:\/\/tuzlainfo.ba\/?p=313139"},"modified":"2026-08-17T21:45:16","modified_gmt":"2026-08-17T19:45:16","slug":"ko-moze-sam-sebi-uplacivati-staz-u-fbih-i-koliko-to-kosta","status":"publish","type":"post","link":"https:\/\/tuzlainfo.ba\/index.php\/bosna-i-hercegovina\/item\/313139-ko-moze-sam-sebi-uplacivati-staz-u-fbih-i-koliko-to-kosta\/","title":{"rendered":"Ko mo\u017ee sam sebi upla\u0107ivati sta\u017e u FBiH i koliko to ko\u0161ta?"},"content":{"rendered":"

Osobe koje nisu zaposlene i nisu osigurane po drugom osnovu u Federaciji Bosne i Hercegovine mogu pod odre\u0111enim uslovima same upla\u0107ivati doprinose<\/strong> <\/span><\/a>za penzijsko i invalidsko osiguranje. Rije\u010d je o dobrovoljnom osiguranju, za koje u 2026. godini mjese\u010dno treba izdvojiti 418,88 KM.<\/p>\n

Federalni zavod za penzijsko i invalidsko osiguranje potvrdio je da je ovogodi\u0161nji iznos utvr\u0111en na osnovu propisane osnovice povezane s prosje\u010dnom pla\u0107om.<\/p>\n

To zna\u010di da bi osoba koja dobrovoljno osiguranje pla\u0107a svih 12 mjeseci u 2026. godini za tu namjenu izdvojila ukupno 5.026,56 KM.<\/p>\n

Ko mo\u017ee sam sebi upla\u0107ivati sta\u017e?<\/h3>\n

Prema Zakonu o penzijskom i invalidskom osiguranju FBiH, dobrovoljno se mo\u017ee osigurati osoba koja nije obuhva\u0107ena obaveznim osiguranjem.<\/p>\n

Potrebno je da ima prebivali\u0161te na podru\u010dju Federacije BiH ili Br\u010dko distrikta, da je dr\u017eavljanin Bosne i Hercegovine, da ima op\u0107u zdravstvenu sposobnost te da je starija od 15, a mla\u0111a od 65 godina.<\/p>\n

Op\u0107a zdravstvena sposobnost dokazuje se ljekarskim uvjerenjem, koje je jedan od uslova za odobravanje dobrovoljnog osiguranja.<\/p>\n

Va\u017eno je i da se ova mogu\u0107nost ne odnosi na svakoga ko jednostavno \u017eeli dodatno upla\u0107ivati sta\u017e. Federalni zavod PIO\/MIO navodi da osoba koja je ve\u0107 u obaveznom osiguranju ne mo\u017ee istovremeno biti dobrovoljno osigurana. Tako\u0111er, korisnik penzije i osoba na redovnom \u0161kolovanju ne mogu imati status osiguranika po osnovu dobrovoljnog osiguranja.<\/p>\n

Nije rije\u010d o jednostavnom \u201edokupu\u201c ranijih godina<\/h3>\n

Dobrovoljno osiguranje ne treba poistovje\u0107ivati s mogu\u0107no\u0161\u0107u da gra\u0111anin proizvoljno uplati doprinose za bilo koji period iz pro\u0161losti koji mu nedostaje.<\/p>\n

Rije\u010d je o osiguranju koje se ostvaruje pod zakonom propisanim uslovima, a Federalni zavod PIO\/MIO, primjerice, izri\u010dito navodi da se pojedini raniji periodi ne mogu naknadnom uplatom jednostavno pretvoriti u penzijski sta\u017e.<\/p>\n

Zbog toga bi osobe kojima nedostaje odre\u0111eni broj godina ili mjeseci sta\u017ea prije podno\u0161enja zahtjeva trebale provjeriti svoj konkretan status u Federalnom zavodu PIO\/MIO.<\/p>\n

Ne \u010dekajte penziju da provjerite upla\u0107uje li poslodavac doprinose<\/h3>\n

Poseban problem nastaje kada zaposleni tek nakon prestanka radnog odnosa ili pred odlazak u penziju ustanove da im poslodavac nije uredno evidentirao osiguranje ili uplatio doprinose.<\/p>\n

Gra\u0111ani, me\u0111utim, podatke mogu provjeravati i dok su zaposleni.<\/p>\n

Porezna uprava Federacije BiH omogu\u0107ava elektronsku provjeru putem sistema \u201eE-doprinosi\u201c. Zaposlene i ranije zaposlene osobe mogu provjeriti jesu li prijavljene na osiguranje te da li je i u kojem iznosu poslodavac uplatio doprinose. Elektronski su dostupni podaci od 2011. godine, kada je uspostavljen Jedinstveni sistem registracije, kontrole i naplate doprinosa.<\/p>\n

Provjera upla\u0107enih doprinosa \u2013 Porezna uprava FBiH<\/a><\/span><\/span><\/p>\n

Za pristup elektronskoj usluzi potrebni su odre\u0111eni li\u010dni podaci, me\u0111u kojima su JMB, ime jednog roditelja, li\u010dni identifikacioni broj LIB\/OIB i broj li\u010dne karte.<\/p>\n

Od marta jo\u0161 jedna olak\u0161ica za gra\u0111ane<\/h3>\n

Od 1. marta 2026. godine Federalni zavod PIO\/MIO vi\u0161e ne napla\u0107uje izdavanje uvjerenja i potvrda iz mati\u010dne evidencije.<\/p>\n

Gra\u0111ani tako bez naknade mogu dobiti, izme\u0111u ostalog, uvjerenje o podacima evidentiranim u mati\u010dnoj evidenciji osiguranika, kao i druge potvrde koje se odnose na sta\u017e i doprinose. Zahtjev se mo\u017ee podnijeti li\u010dno ili putem punomo\u0107nika, a Zavod navodi da se potvrda izdaje na dan podno\u0161enja zahtjeva, odnosno najkasnije u roku od pet dana.<\/p>\n

Ova mogu\u0107nost posebno je zna\u010dajna zaposlenima jer im omogu\u0107ava da na vrijeme utvrde postoje li nepravilnosti u evidencijama, umjesto da problem otkriju tek pred penzionisanje.<\/p>\n

Koliko ko\u0161ta dobrovoljno osiguranje u 2026.?<\/h3>\n

Mjese\u010dna uplata iznosi 418,88 KM, \u0161to zna\u010di da bi tro\u0161ak za \u0161est mjeseci iznosio 2.513,28 KM, a za cijelu godinu 5.026,56 KM.<\/p>\n

Iznos nije trajno fiksiran. Osnovica za obra\u010dun utvr\u0111uje se za odgovaraju\u0107u godinu, pa se i visina mjese\u010dnog doprinosa mo\u017ee mijenjati. Za 2026. godinu slu\u017ebeno je utvr\u0111en iznos od 418,88 KM.\/Tuzlainfo.ba\/<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Osobe koje nisu zaposlene i nisu osigurane po drugom osnovu u Federaciji Bosne i Hercegovine mogu pod odre\u0111enim uslovima same upla\u0107ivati doprinose za penzijsko i invalidsko osiguranje. Rije\u010d je o dobrovoljnom osiguranju, za koje u 2026. godini mjese\u010dno treba izdvojiti 418,88 KM. Federalni zavod za penzijsko i invalidsko osiguranje potvrdio je da je ovogodi\u0161nji iznos […]<\/p>\n","protected":false},"author":2,"featured_media":71724,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[291,304],"tags":[11854,4394],"class_list":["post-313139","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bosna-i-hercegovina","category-istaknuto","tag-dobrovoljno-osiguranje","tag-doprinosi"],"yoast_head":"\nKo mo\u017ee sam sebi upla\u0107ivati sta\u017e u FBiH i koliko to ko\u0161ta?<\/title>\n<meta name=\"description\" content=\"Dobrovoljno penzijsko osiguranje u FBiH u 2026. godini ko\u0161ta 418,88 KM mjese\u010dno. 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