204 KB70 KB201320252021Rangus, Andražštevilka:1letnik:47str. 155-178ISSN:0353-6521COBISSID_HOST:52345091URN:URN:NBN:SI:doc-1ZRPMY37slLexperaPodjetje in delododatno pokojninsko zavarovanjelegal nature of the pension planmirovanje pravicpokojninski načrtpokojninsko zavarovanjesupplementary insurancesuspension and retention of rightszadržanje pravicDodatno pokojninsko zavarovanje| ali so spremembe pokojninskega načrta zgolj vprašanje pogodbenega prava|Supplementary pension insurance, which covers more than half of all insured persons of compulsory pension and disability insurance, has a tradition spanning almost two decades in Slovenia. As such, this insurance represents an important additional pillar for ensuring a sustainable pension system and an individual supplementary form of insurance, used by individuals to ensure an adequate social security in old age. As with compulsory insurance, the element of long-term payment of the premium or savings is also an important element in supplementary insurance. It is precisely this element that, within the established legal framework, also raises a number of issues relating to the legal admissibility of changing the conditions of insurance at a time when the insured risk has not yet been realised. Within the framework of the protection of expected rights and the admissibility of statutory interference with them, the Constitutional Court of the Republic of Slovenia has already answered this question in relation to compulsory insurance. In the field of supplementary pension insurance, where insurance is based on a pension plan and the rights and obligations arising from it, the legal community has not yet given a completely clear answer. Thus, it remains unanswered whether the changes to the pension plan, that to a certain extent also interfere with emerging but not with already acquired rights, are admissible. Such an answer can only be found through the prism of operation of the entire pension system and the current legal regulation of both forms of insurance, which cover the risk of longevity and adequacy of old-age incomeDodatno pokojninsko zavarovanje ima v Sloveniji že skoraj dvedesetletno tradicijo. Vanj je aktivno vključena več kot polovica vseh zavarovancev obveznega pokojninskega in invalidskega zavarovanja. Kot tako je to zavarovanje pomemben dodaten steber za zagotavljanje vzdržnega pokojninskega sistema in pomeni dodatno obliko zavarovanja, s katerim si posamezniki za čas starosti zagotovijo ustrezno socialno varnost. Tako kot pri obveznem zavarovanju je tudi pri dodatnem zavarovanju pomemben element tega zavarovanja dolgoročnost varčevanja oziroma vplačevanja prispevkov. Ravno ta element pa znotraj postavljenega pravnega okvira odpira tudi vrsto vprašanj, ki se nanašajo na pravno dopustnost spreminjanja pogojev zavarovanja v času, ko zavarovalni primer oziroma zavarovano tveganje še ni realizirano. V okviru obveznega zavarovanja je na to vprašanje v okviru varstva pričakovanih pravic in dopustnosti zakonskih posegov vanje že odgovorilo Ustavno sodišče RS. S področja dodatnega pokojninskega zavarovanja, pri katerem so temelj pokojninski načrt ter iz njega izhajajoče pravice in obveznosti, pa pravna stroka še ni podala popolnoma jasnega odgovora, ali v času varčevalnega dela zavarovanja in v času, ko so pravice iz dodatnega pokojninskega zavarovanja še v nastajanju, lahko pride do sprememb, ki v določeni meri posežejo tudi v pravice v nastajanju, ne pa tudi v že pridobljene pravice. Takšen odgovor je mogoče najti le skozi prizmo delovanja celotnega sistema in trenutne pravne ureditve obeh oblik zavarovanj, ki pokrivata tveganje dolgoživosti in zadostnosti dohodka v starostiTEXTznanstveno časopisjejournalsSlovenian National E-content AggregatorNational and University Library of Slovenia