saqarTvelos parlamentis aparati sapensio sistemebi demokratiul ...

saqarTvelos parlamentis aparati
kvleviTi departamenti
sainformacio-kvleviTi ganyofileba
SekiTxvaze pasuxi
sapensio sistemebi demokratiul qveynebSi
Sesavali
demokratiuli mowyobisken mimavali gardamavali qveynebis erT-erTi
umTavresi amocanaa mosaxleobis socialuri dacvis erTiani sistemis
SemuSaveba. am sistemis umTavresi komponentia erTiani sapensio sistema.
sapensio sistema unda akmayofilebdes or pirobas:
1. daucvel moqalaqeTa minimaluri uzrunveyofa.
anu im moqalaqeebs, romlebmac sakuTari SromiT ver gamoimuSaves
saTanado minimaluri pensia, saxelmwifo uzrunvelyofs imgvari
minimaluri pensiiT, romelic iqneba sacxovrebel minimumze meti
(gadazRveva).
2. samarTlianoba.
pensia unda iyos proporciuli moqalaqis aqtiur SromiT periodSi
muSaobisa da sapensio fondSi Senatanebisa.
stabiluri da mdgradi sapensio sistema mniSvnelovani stimulia
qveynis ekonomikis ganviTarebisTvis.
stabiluri da daculi sajaro samsaxuri winapirobaa saxelmwifo
samsaxurSi momuSaveTa denadobis Semcirebisa da saxelmwifo
samsaxurebis efeqtiani da xarisxiani muSaobisTvis.
pensiis odenoba mudmivad izrdeba xelfasebisa da fasebis zrdasTan
erTad da aseve qveynis keTildReobis zrdasTan erTad. amitom sapensio
sistemis ganmsazRvrel kanonebSi ar vxvdebiT konkretutul cifrebs,
aramed principebs, ris mixedviTac gamoiTvleba ama Tu im mosamsaxuris
pensia.
saxelmwifo sapensio sistemebi
evropuli tipis sajaro samsaxuri me-18 saukuneSi Camoyalibda.
maRalprofesiuli sajaro administraciis Sesaqmnelad saWiroa am
seqtorSi dasaqmebuli pirebis saqmianoba adeqvaturad iyos
1

anazRaurebuli, xolo moxucebuloba saTanadod uzrunvelyofili.
aRsaniSnavia, rom saxelmwifom, rogorc damqiravebelma, erTerTma
pirvelma aiRo pasuxismgebloba Tavisi TanamSromlebis sapensio
uzrunvelyofaze, janmrTelobis dacvaze da im TanamSromelTa ojaxebze,
romlebmac marCenali dakarges.
evrokavSiris umetes qveyanaSi sajaro moxeleebi specialurad
Seqmnili damoukidebeli sapensio sqemebiT sargebloben. zogierT
qveyanaSi sajaro moxeleebis sapensio uzrunvelyofa sxva
samsaxurebisgan damoukidebeli sqemis mixedviT xdeba. sxva SemTxvevebSi
sapensio uzrunvelyofa zogadi sqemiT ganisazRvreba da sajaro
moxeleTaTvis damatebebis gaTvaliswinebuli garkveuli sqemiT.
istoriuli, ekonomiuri da kulturuli mizezebis gamo sajaro
moxeleTa sapensio sqemebi gansxvavebulia qveynebis mixedviT. magram
problemebi, romlebic am sqemebis gamo warmoiSveba, umetes SemTxvevaSi
msgavsia. Aaqve unda aRvniSnoT, rom orive saxis sqema, saxelmwifo
sabaziso da profesiulic, saTaves iRebs sajaro samsaxuris profesiuli
sapensio sqemidan.
sapensio sqemis SemuSavebis procesSi ori midgoma SeiZleba iyos:
1) pensia ganixileba, rogorc gaxangrZlivebuli, magram Semcirebuli
xelfasi, romelsac uxdian momsaxure personals jamagiris msgavsad
saxelmwifo biujetidan; da
2) pensia ganixileba, rogorc muSaobis periodSi xelfasidan
gadadebuli akumulirebuli saxsrebis gacema. amisaTvis iqmneba sapensio
sazogadoebebi an fondebi, sadac iricxeba sapensio Senatanebi.
Sesabamisad arsebobs ori sapensio sistema:
Pay-as-you- go (gadaxda, SemdgomSi-PAYG) da Pre-funding (winaswari
fondireba) sqemebi
1) Pay-as-you-go-s sistema gulisxmobs Semdegs: sapensio valdebulebebi
ifareba uwyvetad, rodesac amis dro dgeba. winaswari dafinanseba am
dros ar xdeba da arc raime kapitali aris sarezervod gadanaxuli
samomavlo sapensio gadaxdebisaTvis. momuSave Taoba afinansebs pensiaze
gasul Taobas, Sesabamisad pensiaze gasvlis Semdeg maT pensias momavali
Taobebi daafinanseben. sistema misaRebi rom gaxdes, samuSaos mimcems
unda hqondes Semosavlis sando da grZelvadiani wyaro pensiebis
dasafaravad. demografiuli klebis pirobebSi es sqema siZneleebs
ganicdis.
2) Pre-funding-i niSnavs, rom samomavlod xdeba maragis Seqmna sapensio
gadaxdisaTvis winaswari finansirebiT. es xdeba gasamrjelos miRebis
periodSi. anu, saxelmwifo Tavis Tavze iRebs momuSavis (da misi
damqiravebelisgan) sapensio gadasaxadebis aRebas, akumulirebas da
marTvas, imisaTvis, rom pensiaze gasvlis Semdeg is daubrundes pensiis
saxiT. specialuri zomebi iqneba misaRebi imisaTvis, rom winaswar
dafinansebuli sapensio valdebulebebi gadaxdil iqnas pensiebis
moTxovnis dros.
2

OECD-s (ix. danarTi 1) qveynebis umetesoba pensiebs ixdis 1-li sistemis
mixedviT, Tumca dRevandeli tendencia mianiSnebs me-2 sistemisadmi
interess. holandiuri da Sveduri sapensio modelebi me-2 sistemebiT
arian organizebulni.
PAYG sistemis moklevadiani upiratesoba gaxlavT sapensio pirobebis
Secvlis simartive, rasac Sedegi dauyovnebliv moyveba. es exeba rogorc
ukeTesobisken aseve uaresobisken cvlilebebs, radgan kalmis erTi mosmaa
sakmarisi imisTvis, rom daqiravebulma moxeleebma dakargon daxmarebebi
Tu SeRavaTebi.
gansxvavebuli mdgomareoba gvaqvs winaswari fondirebis sistemiT
dafinansebis SemTxvevaSi.Ees ukanaskneli ufro stabiluria da saimedo.
ZiriTadi da mniSvnelovani gansxvaveba am or sistemas Soris gaxlavT
is faqti, rom winaswari fondirebis SemTxvevaSi sapensio kapitali
mxolod da mxolod pensiebisTvisaa gankuTvnili. sapensio fondebi da
msgavsi uwyebebi, sadac sajaro samsaxuris sapensio sqemebis Tanxebia
gadadebuli, evrokavSiris bevr qveyanaSi imarTeba erToblivad,
damqiravlebisa da daqiravebulTa warmomadgenlebis mier. Tu saWiroeba
moiTxovs, SeiZleba cvlileba Sevides kanonSi investiciebis Sesaxeb,
romlis mixedviTac sapensio kapitalis gansazRvruli raodenobis
investireba moxdeba saxelmwifo fasian qaRaldebSi.
kerZo sapensio fondebi
garda amisa rig qveynebSi damatebiT arsebobs kerZo sapensio fondebi
(mag. niderlandebi), sadac moqalaqeebs SeuZliaT nebayoflobiT
yovelTviurad Seitanon sapensio Senatanebi, rac maT pensiaze gasvlis
Semdeg (gazrdili odenobiT) damatebiTi pensiis saxiT daubrundebaT.
saxelmwifo xels uwyobs da SeRavaTebs aniWebs amgvar kerZo fondebs da
akontrolebs maT saqmianobas momxmarebelTa dacvis mizniT.
sajaro mosamsaxureTa sapensio sistemebi
TandaTanobiT, moxucebulebis, avadmyofebisa Tu invalidebis,
qvrivebisa da bavSvebis daxmarebis idea pensiis saSualebiT sajaro
seqtoridan sxva seqtorebSic gavrcelda da sabolood pensia socialuri
dacvis saerTo programebis nawili gaxda. magram vinaidan sajaro
moxeleebs ukve hqondaT ufleba pensiaze saxelmwifosagan, Tanac ukeTesi
pirobebiT, bevr qveyanaSi isini gamoiyvanes socialuri usafrTxoebis
(dacvis) sapensio sistemidan. kerZo seqtorSi dasaqmebulTaTvis ki
procesi sakmaod gansxvavebuli iyo: damqiraveblis valdebuleba yofil
mosamsaxureTa da maTi ojaxis wevrebis mimarT Semoifargla mxolod
sabazo pensiaze garkveuli Tanxis damatebiT. magram sadac kanoniT
gansazRvruli socialuri dacva arasakmarisi iyo da sagadasaxado da
sxva pirobebi iZleodnen saSualebas, SesaZlebeli gaxda damatebiTi
profesiuli (occupational) sapensio sqemebis Seqmna.
bunebrivia, sajaro moxeleTaTvis idealuri sapensio sqema ar
arsebobs. Tumca, SesaZlebelia gamoiyos ramodenime saxelmZRvanelo
principi. Ppirvel rigSi, sicocxlisunariani sapensio sqema sajaro
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samsaxurisTvis stabiluri, sando da sakmaod moqnili unda iyos,
imisTvis, rom SeZlos ekonomikuri, demografiuli da sxva saxis
cvlilebebTan misadageba. Mamas garda, is advili gasagebi da ioli
samarTavi unda iyos da Seicavdes urTierTkavSirs Sesrulebul
samuSaosa (jamagiriT Sefasebuli) da pensias Soris. Senatani da xarjebi
racionaluri da prognozirebadi unda iyos.
sajaro samsaxuris sapensio sqemis SemuSaveba sakmaod rTuli
amocanaa, radgan is grZelvadiani bunebis iseT problemebs wamoWris,
romlebsac Zalian didi ekonomikuri mniSvneloba aqvT rogorc pensiis
gacemis ise pensiis miRebis uflebis mqoneTaTvis.
sajaro moxeleTa specialuri profesiuli sapensio sqema
yvelaze mniSvnelovani kiTxvaa, unda hqondeT Tu ara sajaro
moxeleebs sakuTari sapensio sqema. is unda daiyos ramdenime kiTxvad,
kerZod:
- unda CaerTon Tu ara sajaro moxeleebi saxelmwifo sabazo
sapensio sqemaSi da Tu unda CaerTon?
- sWirdebaT Tu ara maT damatebiTi profesiuli sapensio sqema? (anu
gamovyoT Tu ara sajaro moxeleebi saxelmwifo sabazo sapensio sqemidan
da CavrToT sakuTar, damoukidebel sistemaSi?).
evrokavSiris qveynebSi sxvadasxva sqemebi moqmedeben:
germaniaSi da safrangeTSi sajaro moxeleebs sakuTari, sruliad
damoukidebeli sqemebi aqvT. xolo inglisSi sajaro moxeleebi Sedian
sayovelTao sabazo sapensio sqemaSi da imavdroulad damatebiT
profesiuli sajaro samsaxuris sqemis monawileebic arian.
Tu romelia ukeTesi gadawyvetileba, amaze erTmniSvnelovani pasuxis
gacema rTulia. yoveli qveyana sakuTari ekonomikuri ganviTarebis
Taviseburebebis gaTvaliswinebiT wyvets sapensio sqemebisa Tu pensiebis
dafinansebis sakiTxebs.
profesiuli pensiebis administrireba
profesiuli sapensio sqemis marTva da administrireba damokidebulia
sapensio sqemaze. ZiriTadad, es procesi moicavs xelfasebis Sesaxeb
monacemTa Segrovebasa da registracias, sapensio Senatanebis
gaangariSebas da daxmarebebis, pensiebis gaangariSebas, maT regulirebasa
da gansazRvras, sapensio Senatanebis akrefas da maT aRricxvas. winaswar
fondirebuli pensiebis SemTxvevaSi saWiroa sapensio kapitalis marTva.
amasTan, administratorebs evalebaT informacia miawodon wevrebs
sapensio fondis mdgomareobaze. sasurvelia, rom saxelmwifo uwyebam
iTavos sajaro samsaxuris sapensio sqemis administrireba. es uwyeba
pasuxismgebeli unda iyos maT winaSe, vinc wyvets sapensio pirobebs da
amasTan damoukidebeli unda iyos im institutebisagan, sadac sajaro
4

moxeleebi arian dasaqmebuli. centraluri administrireba uzrunvelyofs
samarTlebriv sizustesa da Tanabar pirobebs yvelasaTvis.
kapitalis marTva ar unda iyos saxelmwifo administraciis saqme. Tu
sapensio kapitali rezervirebulia “gansazRvruli sapensio Senatanebis”
pensiebisaTvis, mis marTvas gadamwyveti mniSvneloba aqvs gasacemi
pensiebis odenobaze, xolo maT, visac ufleba aqvT am pensiebze, sityvac
unda eTqmodeT, yovel SemTxvevaSi, kapitalis marTvaze kontrolis
ufleba mainc unda hqondeT.
qvemoT SevexebiT sajaro mosamsaxuris sapensio uzrunvelyofas da
sapensio sqemebs dasavleT evropis ramodenime ganviTarebul da
centraluri da aRmosavleT evropis axalgazrda demokratiul qveynebSi.
safrangeTi
sajaro moxeleebze vrceldeba sajaro moxeleebis sapensio
uzrunvelyofis specialuri sqema (le Code des Pensions Civiles et Militaires de
Retraite _ CPCM) Tu sajaro moxeles muSaobis TxuTmetwliani staJi aqvs.
sapensio asaki 60 welia, magram vadis gagrZeleba SeiZleba 65 wlamde.
CPCM sqemis mixedviT pensia gamoiTvleba namsaxurobis bolo 6 Tvis
manZilze uwyvetad miRebuli saboloo xelfasis (danamatebis gareSe)
safuZvelze, kerZod, yovel namsaxurev welze ZiriTadi xelfasis 2%-is
daricxviT (anu 2% X staJze) maqsimum 37,5 wlamde; rac niSnavs, rom
maqsimaluri pensia udris xelfasis 75%-s; arsebobs mizezebi (ojaxur an
samsaxurebriv mdgomareobasTan dakavSirebuli), romelTa
gaTvaliswinebiT pensiis odenoba SeiZleba gaizardos 80%-mde.
sajaro moxelis sapensio uzrunvelyofis sistema garantirebulia
safrangeTis konstituciiT da dafuZnebulia kanonmdeblobaze.
mocemuli sqema finansdeba saxelmwofo biujetidan, rac
dakavSirebulia sakmaod did TanxebTan. sajaro moxele ixdis Senatanebs
ZiriTadi xelfasis 7,85%-is odenobiT. P
sapensio uzrunvelyofis regulireba ekisrebaT calkeuli
saministros sapensio departamentebs; pensiebs gascems safrangeTis
saxelmwifo xazina sapensio samsaxuris meSveobiT.
pensiis indeqsacia xdeba inflaciis Sesabamisad.
germania
sajaro moxeleebze vrceldeba specialuri sapensio uzrunvelyofis
sqema (Beamtenversorgungsgesetz, BeamtVG). am sqemiT pensiaze gasasvlelad
aucilebelia sajaro moxeles hqondes sajaro samsaxurSi muSaobis 5
5

wlis staJi. zogadi sapensio asaki aris 65 weli da am vadis gagrZeleba
SeiZleba 67 wlamde.
pensia gamoiTvleba namsaxurobis bolo 2 wlis manZilze uwyvetad
miRebuli saboloo xelfasis (danamatebis gareSe) safuZvelze, kerZod,
yovel namsaxurev welze ZiriTadi xelfasis 1,875%-is daricxviT (anu
1,875% X staJze) maqsimum 40 wlamde, e.i. 65 wlis asakSi maqsimaluri
pensia Seadgens xelfasis 75%-s.
sqema finansdeba pirdapir federaluri da `landebis~ biujetebidan.
sajaro moxeleebi ar ixdian sapensio Senatanebs. pensiebis marTvaze
pasuxismgebloba ekisrebaT federalur da `landebis~ administraciebs.
pensiebis indeqsireba xdeba saarsebo minimumisa da saxelmwifo
seqtorSi xelfasebis zrdis Sesabamisad da rugulirdeba specialuri
kanoniT.
litva
litvaSi, rogorc es aRniSnulia sajaro samsaxuris Sesaxeb kanonSi
(muxli 40), sajaro moxeleebs pensia eniSnebaT saxelmwifo socialuri
sadazRvevo pensiis Sesaxeb kanonis (Law on State Social Insurance Pensions)
Sesabamisad. saxelmwifo socialuri sadazRvevo pensia Sedgeba
ZiriTadi/sabaziso da damatebiTi nawilisagan (saxelmwifo socialuri
sadazRvevo pensiis Sesaxeb kanoni, muxli 6). pensiis ZiriTadi/sabaziso
nawili aris minimaluri saarsebo saSualeba, misi miReba SesaZlebelia im
pirTaTvis, romlebsac aqvT saxelmwifo socialuri sapensio dazRvevis
aucilebeli periodi da akmayofileben am kanoniT gaTvaliswinebul sxva
moTxovnebs. misi raodenoba ar unda iyos saarsebi minimumis 110%-ze
naklebi (muxli 12). pensiis damatebiTi nawili gankuTvnilia kanonis
Tanaxmad gansazRvruli moqalaqeebisaTvis (maT Soris sajaro
moxeleebisTvis, muxli 12, punqti 1-6), romlebsac hqondaT saxelmwifo
socialuri pensiis dazRveva. am dros mxedvelobaSi miiReba dazRvevis
xangrZlivoba, sadazRvevo Tanxisa da Semosavlis raodenoba dazRvevis
periodSi (muxli 6).
latvia
latviaSi muSaobs saerTo saxelmwifo sapensio sqema, romelic
ganisazRvreba saxelmwifo pensiebis Sesaxeb kanoniT, saxelmwifo
pensiebis daangariSebis proceduris Sesaxeb kanoniT, ministrTa kabinetis
wesebiT samuSao staJis mixedviT pensiis Sesaxeb da socialuri
uzrunvelyofis saministros brZanebebiT pensiis gazrdis Sesaxeb. yvela
seqtoris mosamsaxure, maT Soris saxelmwifo moxeleebic, eqvemdebarebian
erT sapensio sqemas, romlis Tanaxmadac arsebobs Semdegi saxis pensiebi:
‣ Sromis pensia labour pension - (moxucebulobis, invalidobis,
marCenalis dakargvis, pensia samuSao staJis mixedviT - seniority pension)
6

‣ socialuri pensia
Sinagan saqmeTa saministros daqvemdebarebuli oficrebisa da
jariskacebisaTvis, aseve erovnuli armiis jariskacebisaTvis aris
specialuri sapensio sqema.
pensiis miReba SesaZlebelia sapensio asakis miRwevisas da samsaxuris
garkveuli periodis Semdeg.
mamakcebisaTvis 60 weli (unda hqondes muSaobis sul mcire 25 wliani
staJi)
qalebisaTvis 55 weli (unda hqondes muSaobis sul mcire 20 wliani
staJi).
gamonaklisis saxiT ufro adreul asakSi pensiaze gasvla an ufro
mcire samuSao staJi SeiZleba hqondeT invalidebs, qalebs, romlebsac
hyavT xuTze meti Svili an invalidi Svili.
saxelmwifo moxeleebis pensia iTvleba welTa namsaxurebisa da bolo
kvartlis saSualo xelfasis mixedviT. saWiro staJi sruli pensiis
miRebisTvis sxvadsxva odenobisaa mosamsaxureTa sxvadasxva
jgufebisaTvis. pensia Sedgeba ZiriTadi/sabaziso da damatebiTi
nawilebisagan. ZiriTadi/sabaziso nawili aris saSualo xelfasis 30%.
damatebiTi nawili gamoiTvleba Semdegnairad: saSualo xelfasis 10%
iyofa 25-ze da Semdeg mravldeba namsaxurebi wlebis raodenobaze.
didi britaneTi
lordTa palatis rogorc axlandeli, aseve yofili TanamSromlebi
lordTa palatis aparatis sapensio sqemis (HOLSPS) monawileebi arian.
sqema moqmedebs sajaro samsaxuris sapensio sqemis analogiurad. sapensio
SeRavaTis gaangariSeba xdeba saboloo daricxuli xelfasisa da sqemis
da ara Senatanebis mixedviT (ar iTvleba qvrivebisa da marCenalze
damokidebuli pirebis 1,5%-iani Senatanebi). lordTa palata
uzrunvelyofs yvela SeRavaTis gadaxdas.
momavali sapensio SeRavaTebisTvis gankuTvnili xarjebi efuZneba
saxelmwifo sadazRvevo agentis mier gansazRvrul odenobas xazinis
rekomendaciebis gaTvaliswinebiT. Ees odenoba meryeobs sapensio
gadasaxadis 12-18,5%-is farglebSi.
pensiis gamoTvlisas iTvaliswineben Semdeg faqtorebs: inflacia,
xelfasis zrda da garantirebuli minimaluri pensiis Sefaseba,
gadadebuli pensiebis momateba, mimdinare pensiebis momateba.
garda amisa, arsebobs sajaro samsaxuris damatebiTi sqemebi:
sajaro samsaxuris damatebiTi nebayoflobiTi Senatanebis sqema (Civil
Service Additional Voluntary Contribution Scheme - CSAVCS) uzrunvelyofs sajaro
moxeles damatebiTi sapensio SeRavaTebiT sajaro samsaxuris ZiriTadi
sqemiT gaTvaliswinebul pensiasTan erTad.
samsaxurebrivi kompensaciis sqema (Service Compensation Scheme - CSCS)
kompensacias aZlevs im sajaro moxeleebs, romlebic sapensio asakis
7

miRwevamde wyveten SromiT saqmianobas. es sqema moicavs sajaro
moxeleebis mniSvnelovan nawils.
sajaro mosamsaxureTa qmedunarianobis SezRudvisas arsebuli
SeRavaTebis sqema (Civil Service Injury Benefits Scheme - CBIBS) uzrunvelyofs
sajaro moxeles kompensaciiT samsaxureobrivi movaleobis dros
miRebuli tramvis SemTxvevaSi, Tu travma uaryofiTad imoqmedebs
moxelis Sromisunarianobaze da Sesabamisad, mis Semosavalze.
sapaio pensia (Stakeholder pension)
PCSPS-s amJamad daerqva klasiki classic. am sqemaSi gaerTianeba unda
momxdariyo 2002 wlis 1 oqtombramde. klasiki aris tradiciuli
profesiuli saboloo xelfasis sqema. am dros sabaziso pensia efuZneba
saboloo sapensio gadasaxadis 1/80-s, romelsac emateba pensiis
erTjeradi raodenoba gamravlebuli samze. sajaro moxeles Seaqvs
saojaxo SeRavaTebisTvis gankuTvnili xelfasis 1,5%.
premiumi premium aris axali sqema. masSi gaerTianeba SesaZlebeli iyo
rogorc 2002 wlis 1 oqtobramde, aseve am TariRis Semdeg. klasiki aris
tradiciuli profesiuli saboloo xelfasis sqema, rac niSnavs, rom
pensia efuZneba welTa namsaxurebas da saboloo xelfass. am dros
sabaziso pensia efuZneba saboloo sapensio gadasaxadis 1/60-s. sajaro
moxeles Seaqvs xelfasis 3,5%.
klasiki plasi classic plus aris Sereuli tipis sqema, romelSic
gaerTianeba SesaZlebeli iyo 2002 wlis 1 oqtombramde.
partnioruli partnership aris axali sqema, romelSic sajaro
moxeleebs gaerTianeba SeeZloT 2002 wlis 1 oqtombridan. partnioruli
pensia aris sapaio pensia stakeholder pension, rac warmoadgens personaluri
pensiis saxeobas. am SemTxvevaSi uwyeba ixdis Senatanebs im sapensio
fondSi, romelsac irCevs moxele. amis Sedegad moxele axdens Tavisi
Tanxebis investirebas da pensiaze gasvlisas yidulobs pensias, an
gardacvalebis SemTxvevaSi utovebs misTvis sasurvel pirs
memkvidreobiT.
albaneTi
albaneTSi socialur uzrunvelyofis sakiTxebs aregulirebs Semdegi
kanonebi: kanoni “konstituciis ZiriTad debulebebze” da aqti socialuri
dazRvevis Sesaxeb (# 7703). am kaninebis Tanaxmad, yvela ekonomikurad
aqtiur albanel moqalaqes da misi ojaxis wevrs ufleba aqvs miiRos
avadmyofobisaTvis dazRvevis, dekretuli Svebulebis (agreTve
gaTvaliswinebuli unda iyos mSobiarobisTvis daxmareba), daxmareba
samsaxurSi miRebuli travmebisaTvis, umuSevarTaTvis, xandazmulobis,
invalidobisa da marCenalis dakargvis pensiebi (gaTvaliswinebulia
dakrZalvis xarjebic).
am saxis daxmarebis wyaroa socialuri uzrunveyofis fondi, romelic
ivseba damqiraveblisa da daqiravebulis mier Setanili TanxebiT.
socialuri uzrunvelyofis sistema Sedgeba Semdegi sqemebisagan:
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• saerTo (sabaziso) sadazRveo sqema; am sqemis mixedviT, pirs
aqvs dadgenili pensia, romelsac igi PAYG sistemiT iRebs, da
• nebayofilobiTi sadazRvevo sqema, romlis mixedviTac piri
iRebs damatebiT Tanxebs Semdeg SemTxvevebSi:
1. Tu ar aris dazRveuli savaldebulo dazRveviT;
2. Tu obieqturi mizezebis gamo Sewyvita savaldebulo dazRveva da
SesaZloa kvlav gaxdes dazRvevis subieqti momavalSi;
3. Tu TviT dasaqmebulia, magram surs hqondes meti sapensio
Semosavali.
saxelmwifo damatebiTi daxmareba
Bkanoni soc. uzrunvelyofis Sesaxeb iTvaliswinebs damatebiT
SeTanxmebebs savaldebulo dazRvevisas. parlamenti da mTavroba
uflebamosilia warmoadginon damatebiTi sadazRvevo proeqti sajaro
moxeleebze da samxedro pirebze. rac finansdeba saxelmwifo biujetidan.
kerZo damatebiTi sistema
es sqema exeba orives sajaro moxeles da kerZo seqtorSi dasaqmebul
pirsac. is dazRveuls saSualebas aZlevs miiRos adreuli penisia (40
weli). es finansdeba individualuri SenatanebiT dazRveulisa da
damqiraveblis mier.
kerZo damatebiTi dazRvevis administrirebaze kontrols axorcielebs
sakanonmdeblo struqturebi an am mizniT specialurad Seqmnili
organoebi. es fondebi yovelTvis finansdeba da imarTeba aqcionerebis
mier. aq ar aris gansazRvruli minimaluri da maqsimaluri Senatanebi,
rogorc es xdeba saxelmwifo dazRvevis SemTxvevaSi, es SeTanxmebis
sagania daqiravebulsa da damqiraveblis Soris.
specialuri saxelmwifo pensia
am sqemis mixedviT, ministrTa kabinets ufleba aqvs mianiWos
specialuri saxelmwifo penisia an daxmareba, im pirebs romlebmac Tavi
gamoiCines erovnul gamanTavisuflebel moZraobaSi, mecnierebSi,
politikaSi, kulturis dargSi da aS. specialuri saxelmwifo pensia
gaicema agreTve komunisturi reJimis dros represirebul pirebze.
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gamoyenebuli wyaroebi:
http://www.oecd.org/dataoecd/44/52/35062152.htm
Civil Service Pension Schemes
ASSOCIATION OF GENERAL SECRETARIES OF PARLIAMENTS
The Social Protection of Parliamentarians Report by Mrs Hélène PONCEAU, General
secretary of the Senate Quaestor's Office [Senate Treasurer's Department] (The Havana, april
2001) – Review n° 181
http://216.239.59.104/search?q=cache:FJ5m53vXsjEJ:www.asgp.info/reports/2001_181_soci
al_protection.pdf+pension+civil+servant+france+finland+denmark&hl=en
CIVIL SERVICE PENSION SCHEMES
http://unpan1.un.org/intradoc/groups/public/documents/NISPAcee/UNPAN006714.pdf
AGEING POPULATIONS, PENSION SYSTEMS AND GOVERNMENT BUDGETS:
SIMULATIONS FOR 20 OECD COUNTRIES
http://www.oecd.org/dataoecd/33/17/1863547.pdf
http://www3.lrs.lt/c-bin/eng/preps2?Condition1=157739&Condition2=social
http://www3.lrs.lt/c-bin/eng/preps2?Condition1=260891&Condition2=
http://www.parliament.the-stationery-office.co.uk/pa/ld/ldresource/4411.htm
http://www.civilservice-pensions.gov.uk/Menu.asp?MenuIDS=4,245,277
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