{"id":398,"date":"2022-02-03T08:44:00","date_gmt":"2022-02-03T08:44:00","guid":{"rendered":"https:\/\/www.fingo.cz\/blog\/?p=398"},"modified":"2022-05-11T12:21:07","modified_gmt":"2022-05-11T12:21:07","slug":"pripojisteni-pracovni-neschopnosti","status":"publish","type":"post","link":"https:\/\/www.fingo.cz\/blog\/pripojisteni-pracovni-neschopnosti\/","title":{"rendered":"P\u0159ipoji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti v dob\u011b pandemie"},"content":{"rendered":"\n<p>Pandemie koronaviru za sebou v \u010cesk\u00e9 republice nechala nejenom des\u00edtky tis\u00edc mrtv\u00fdch, ale i obrovsk\u00e9 mno\u017estv\u00ed jednotlivc\u016f a rodin s ohro\u017een\u00fdmi p\u0159\u00edjmy. Krom\u011b ztr\u00e1ty zam\u011bstn\u00e1n\u00ed v tomto ohledu hroz\u00ed \u010desk\u00fdm obyvatel\u016fm i <strong>dlouh\u00e1 pracovn\u00ed neschopnost<\/strong> a s t\u00edm sn\u00ed\u017een\u00fd p\u0159\u00edjem dom\u00e1cnosti. Poj\u010fme se kouknout na to, jak\u00e9 mo\u017enosti v\u00e1m v tomto ohledu d\u00e1v\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti.<\/p>\n\n\n\n<p><strong>Pozor:<\/strong> Vstup do \u017eivotn\u00edho poji\u0161t\u011bn\u00ed budete m\u00edt jednodu\u0161\u0161\u00ed, pokud jste neprod\u011blali<strong> t\u011b\u017e\u0161\u00ed pr\u016fb\u011bh Covidu<\/strong>. P\u0159e\u010dt\u011bte si n\u00e1\u0161 \u010dl\u00e1nek <a href=\"https:\/\/www.fingo.cz\/blog\/zivotni-pojisteni-po-covidu\/\" target=\"_blank\" rel=\"noreferrer noopener\">Na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed si po Covidu po\u010dk\u00e1te i rok<\/a>.<\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc is-style-rounded htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Co v \u010dl\u00e1nku najdete<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#co-je-to-pripojisteni-pracovni-neschopnosti\">Co je to p\u0159ipoji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/a><\/li><li class=\"\"><a href=\"#jak-si-vybrat-pripojisteni-pracovni-neschopnosti\">Jak si vybrat p\u0159ipoji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#karencni-doba-pri-pracovni-neschopnosti\">Karen\u010dn\u00ed doba p\u0159i&nbsp; pracovn\u00ed neschopnosti<\/a><\/li><li class=\"\"><a href=\"#kdy-zacina-pripojisteni-pracovni-neschopnosti-platit\">Kdy za\u010d\u00edn\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti platit<\/a><\/li><li class=\"\"><a href=\"#vyber-rizik-pri-pojisteni-pracovni-neschopnosti\">V\u00fdb\u011br rizik p\u0159i poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#jak-zvolit-pojistnou-castku-pro-pripad-pracovni-neschopnosti\">Jak zvolit pojistnou \u010d\u00e1stku pro p\u0159\u00edpad pracovn\u00ed neschopnosti<\/a><\/li><li class=\"\"><a href=\"#jak-pri-pojisteni-postupovat\">Jak p\u0159i poji\u0161t\u011bn\u00ed postupovat<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"co-je-to-pripojisteni-pracovni-neschopnosti\"><strong>Co je to p\u0159ipoji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/strong><\/h2>\n\n\n\n<p>C\u00edlem na\u0161\u00ed pracovn\u00ed \u010dinnosti je, krom\u011b jin\u00e9ho, odm\u011bna za vykonanou pr\u00e1ci. V&nbsp;p\u0159\u00edpad\u011b neo\u010dek\u00e1van\u00e9 ud\u00e1losti ve form\u011b \u00farazu \u010di nemoci v\u0161ak nastane situace, \u017ee <strong>na po\u017eadovan\u00fd p\u0159\u00edjem nedos\u00e1hnete<\/strong>. Do stavu pracovn\u00ed neschopnosti se p\u0159itom m\u016f\u017eete dostat i pouhou <strong>karant\u00e9nou<\/strong>.<\/p>\n\n\n\n<p>Zat\u00edmco s kr\u00e1tkodob\u00fdm sn\u00ed\u017een\u00edm p\u0159\u00edjm\u016f se v\u011bt\u0161ina rodin dok\u00e1\u017ee d\u00edky vhodn\u00fdm rezerv\u00e1m vypo\u0159\u00e1dat, pokud se karant\u00e9na prot\u00e1hne v nemoc, ta t\u0159eba v hospitalizaci a v\u0161e celkov\u011b <strong>v m\u011bs\u00edc i v\u00edce pracovn\u00ed neschopnosti<\/strong>, m\u00e1lokter\u00fd rozpo\u010det to unese bez siln\u00e9ho omezov\u00e1n\u00ed v\u0161ech v dom\u00e1cnosti.<\/p>\n\n\n\n<p>Ke <strong>kryt\u00ed tohoto v\u00fdpadku<\/strong> nab\u00edz\u00ed poji\u0161\u0165ovny p\u0159ipoji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti.&nbsp;<\/p>\n\n\n\n<p>To by m\u011blo pokr\u00fdt <strong>rozd\u00edl mezi va\u0161\u00edm b\u011b\u017en\u00fdm m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmem a d\u00e1vkou z \u010cSSZ<\/strong>, pokud z\u016fstanete d\u00e9le nemocn\u00ed. \u017divnostn\u00edk\u016fm pak p\u0159ipoji\u0161t\u011bn\u00ed bude muset nahradit cel\u00fd p\u0159\u00edjem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-si-vybrat-pripojisteni-pracovni-neschopnosti\"><strong>Jak si vybrat p\u0159ipoji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/strong><\/h2>\n\n\n\n<p>P\u0159ipoji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti je nepovinnou sou\u010d\u00e1st\u00ed <a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\" target=\"_blank\" rel=\"noreferrer noopener\">\u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a> a p\u0159idat ho do smlouvy se rozhodn\u011b vyplat\u00ed. V&nbsp;p\u0159\u00edpadech, kdy jste dlouhodob\u011b vy\u0159azen\u00ed z&nbsp;pracovn\u00edho procesu, mnohdy zajist\u00ed va\u0161\u00ed dom\u00e1cnosti pot\u0159ebn\u00fd p\u0159\u00edjem a<strong> zamez\u00ed propadu \u017eivotn\u00ed \u00farovn\u011b<\/strong>.<\/p>\n\n\n\n<p>P\u0159i v\u00fdb\u011bru p\u0159ipoji\u0161t\u011bn\u00ed m\u016f\u017eete vyb\u00edrat z \u0161irok\u00e9 \u0161k\u00e1ly nab\u00eddek. Dejte si ale <strong>pozor na n\u011bkolik v\u011bc\u00ed<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>karen\u010dn\u00ed dobu<\/li><li>\u010dekac\u00ed dobu<\/li><li>kryt\u00e1 rizika<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"karencni-doba-pri-pracovni-neschopnosti\"><strong>Karen\u010dn\u00ed doba p\u0159i&nbsp; pracovn\u00ed neschopnosti<\/strong><\/h3>\n\n\n\n<p>Toto p\u0159ipoji\u0161t\u011bn\u00ed v\u00e1s chr\u00e1n\u00ed p\u0159ed dopady dlouhodob\u00e9 nemoci a v\u00fdpadek v p\u0159\u00edjmech vlivem t\u0159\u00eddenn\u00edho nachlazen\u00ed v\u00e1m nepokryje. Tzv. <strong>karen\u010dn\u00ed doba<\/strong> se ale <strong>v jednotliv\u00fdch nab\u00eddk\u00e1ch na trhu velmi li\u0161\u00ed <\/strong>a m\u011bli byste j\u00ed v\u011bnovat minim\u00e1ln\u011b stejnou pozornost jako cen\u011b poji\u0161t\u011bn\u00ed. Zat\u00edmco v n\u011bkter\u00fdch p\u0159\u00edpadech toti\u017e m\u016f\u017eete za\u010d\u00edt \u010derpat pln\u011bn\u00ed <strong>u\u017e od 15. dne nemoci, jinde budete \u010dekat a\u017e 62 dn\u016f<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"kdy-zacina-pripojisteni-pracovni-neschopnosti-platit\"><strong>Kdy za\u010d\u00edn\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti platit<\/strong><\/h3>\n\n\n\n<p>Poji\u0161t\u011bn\u00ed obvykle nen\u00ed aktivn\u00ed k datu, kdy jej sjedn\u00e1te a za\u010dnete spl\u00e1cet. Pohl\u00eddejte si proto <strong>\u010dekac\u00ed dobu, po kterou nejste proti rizik\u016fm chr\u00e1n\u011bni<\/strong>. V\u011bt\u0161inou je nastavena na <strong>dva a\u017e t\u0159i m\u011bs\u00edce<\/strong>, ale \u010dasto obsahuje tak\u00e9 v\u00fdjimky nap\u0159\u00edklad pro p\u0159\u00edpad <strong>t\u011bhotenstv\u00ed \u010di stomatologick\u00fdch z\u00e1krok\u016f<\/strong>, kde m\u016f\u017ee j\u00edt o osm a\u017e 12 m\u011bs\u00edc\u016f.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"vyber-rizik-pri-pojisteni-pracovni-neschopnosti\"><strong>V\u00fdb\u011br rizik p\u0159i poji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti<\/strong><\/h3>\n\n\n\n<p>D\u016fle\u017eit\u00fdm faktorem je v\u00fdb\u011br rizik, kter\u00e1 pot\u0159ebujete pokr\u00fdt a poji\u0161\u0165ovny je nab\u00edz\u00ed. T\u00fdk\u00e1 se to nap\u0159. pr\u00e1v\u011b u pojistn\u00e9ho pln\u011bn\u00ed v&nbsp;souvislosti s&nbsp;t\u011bhotenstv\u00edm.&nbsp;<\/p>\n\n\n\n<p>V&nbsp;sou\u010dasnosti poji\u0161\u0165ovny nab\u00edz\u00ed kryt\u00ed rizika pracovn\u00ed neschopnosti<strong> na dobu del\u0161\u00ed ne\u017e jeden rok<\/strong>. Od 365 a\u017e po 730 dn\u016f. Je to nap\u0159. z&nbsp;toho d\u016fvodu, \u017ee<strong> vy\u0159izov\u00e1n\u00ed invalidn\u00edho d\u016fchodu<\/strong>, kter\u00fd zapo\u010dne po roce od po\u010d\u00e1tku onemocn\u011bn\u00ed, m\u016f\u017ee trvat i n\u011bkolik m\u011bs\u00edc\u016f nav\u00edc.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-zvolit-pojistnou-castku-pro-pripad-pracovni-neschopnosti\"><strong>Jak zvolit pojistnou \u010d\u00e1stku pro p\u0159\u00edpad pracovn\u00ed neschopnosti<\/strong><\/h2>\n\n\n\n<p>\u010c\u00e1stka, kterou byste pro p\u0159ipoji\u0161t\u011bn\u00ed m\u011bli zvolit, m\u00e1 za c\u00edl<strong> nahradit v\u00e1m ztracen\u00e9 p\u0159\u00edjmy<\/strong>. Pokud podnik\u00e1te, p\u0159ijdete v p\u0159\u00edpad\u011b nemoci a\u017e o 100 % p\u0159\u00edjm\u016f. Pokud jste ale zam\u011bstnan\u00ed, \u010d\u00e1st p\u0159\u00edjm\u016f v\u00e1m bude kr\u00fdt \u010cesk\u00e1 spr\u00e1va soci\u00e1ln\u00edho zabezpe\u010den\u00ed. Vy pot\u0159ebujete sv\u00fdm poji\u0161t\u011bn\u00edm pouze dorovnat tuto \u010d\u00e1stku v\u016f\u010di sv\u00e9mu standardn\u00edmu platu.<\/p>\n\n\n\n<p><strong>D\u00e1vka z&nbsp;\u010cSSZ d\u011bl\u00e1 pro fyzick\u00e9 osoby cca 60 %<\/strong> dosavadn\u00edho \u010dist\u00e9ho p\u0159\u00edjmu. Zb\u00fdv\u00e1 tedy <strong>doplnit 40 %<\/strong>.&nbsp;<\/p>\n\n\n\n<p><strong>P\u0159\u00edklad:<\/strong> Pokud d\u011bl\u00e1 \u010dist\u00fd p\u0159\u00edjem zam\u011bstnance 30 000 K\u010d, 40 % z&nbsp;n\u011bho je 12 000 K\u010d, kter\u00e9 vyd\u011bl\u00edme po\u010dtem dn\u00ed v&nbsp;m\u011bs\u00edci, nap\u0159. 30. T\u00edm dostaneme pot\u0159ebnou denn\u00ed d\u00e1vku v&nbsp;pracovn\u00ed neschopnosti = 400 K\u010d.&nbsp;<\/p>\n\n\n\n<p>V&nbsp;tomto p\u0159\u00edpad\u011b ani nemus\u00edte dokl\u00e1dat poji\u0161\u0165ovn\u011b p\u0159\u00edjem z&nbsp;pracovn\u00ed \u010dinnosti. Samoz\u0159ejm\u011b lze volit i \u010d\u00e1stky vy\u0161\u0161\u00ed, dle podm\u00ednek jednotliv\u00fdch poji\u0161\u0165oven.<\/p>\n\n\n\n<p><strong>TIP:<\/strong> P\u0159ipravte se, \u017ee nad pojistnou \u010d\u00e1stku 500 K\u010d, respektive 650 K\u010d na den budete poji\u0161\u0165ovn\u011b dokl\u00e1dat sv\u016fj p\u0159\u00edjem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"jak-pri-pojisteni-postupovat\"><strong>Jak p\u0159i poji\u0161t\u011bn\u00ed postupovat<\/strong><\/h2>\n\n\n\n<p>Uzav\u0159en\u00ed \u017eivotn\u00edho poji\u0161t\u011bn\u00ed s&nbsp;p\u0159ipoji\u0161t\u011bn\u00edm pracovn\u00ed neschopnosti (PN) nebo jeho dopln\u011bn\u00ed do smlouvy, ve kter\u00e9 v\u00e1m chyb\u00ed, m\u00e1 st\u00e1le svoje opodstatn\u011bn\u00ed.&nbsp; V&nbsp;posledn\u00ed dob\u011b poji\u0161\u0165ovny zvy\u0161uj\u00ed v\u00fdstupn\u00ed v\u011bk <strong>a\u017e do 75 let v\u011bku <\/strong>klienta.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\" target=\"_blank\" rel=\"noreferrer noopener\">\u017divotn\u00ed poji\u0161t\u011bn\u00ed<\/a> obecn\u011b je ale <strong>velmi komplexn\u00edm oborem<\/strong> a p\u0159i jeho sjedn\u00e1n\u00ed, nebo jen p\u0159i z\u00e1saz\u00edch do smlouvy, byste se m\u011bli poradit s odborn\u00edkem. Zajist\u00edte si tak, \u017ee va\u0161e smlouva bude <strong>dob\u0159e nastaven\u00e1<\/strong>, nezaplat\u00edte zbyte\u010dn\u011b moc za kryt\u00ed nepodstatn\u00fdch rizik a z\u00e1rove\u0148 v\u00e1s bude \u00fa\u010dinn\u011b chr\u00e1nit p\u0159ed v\u00fdznamn\u00fdmi riziky.<\/p>\n\n\n\n<p>Pokud pot\u0159ebujete&nbsp;<a href=\"https:\/\/www.fingo.cz\/zivotni-pojisteni\" target=\"_blank\" rel=\"noreferrer noopener\">zkontrolovat smlouvu&nbsp;va\u0161eho \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a> nebo si nejste jisti, jak\u00e1 rizika m\u00e1te vlastn\u011b poji\u0161t\u011bna, m\u016f\u017eete oslovit na\u0161e <a href=\"https:\/\/www.fingo.cz\/\" target=\"_blank\" rel=\"noreferrer noopener\">poradce z&nbsp;FinGo.cz<\/a>. Porad\u00ed v\u00e1m bezplatn\u011b&nbsp;a r\u00e1di pomohou.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pandemie koronaviru za sebou v \u010cesk\u00e9 republice nechala nejenom des\u00edtky tis\u00edc mrtv\u00fdch, ale i obrovsk\u00e9 mno\u017estv\u00ed jednotlivc\u016f a rodin s ohro\u017een\u00fdmi p\u0159\u00edjmy. Krom\u011b ztr\u00e1ty zam\u011bstn\u00e1n\u00ed v tomto ohledu hroz\u00ed \u010desk\u00fdm obyvatel\u016fm i dlouh\u00e1 pracovn\u00ed neschopnost a s t\u00edm sn\u00ed\u017een\u00fd p\u0159\u00edjem dom\u00e1cnosti. Poj\u010fme se kouknout na to, jak\u00e9 mo\u017enosti v\u00e1m v tomto ohledu d\u00e1v\u00e1 p\u0159ipoji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti. Pozor: Vstup do \u017eivotn\u00edho poji\u0161t\u011bn\u00ed budete m\u00edt jednodu\u0161\u0161\u00ed, pokud jste neprod\u011blali t\u011b\u017e\u0161\u00ed pr\u016fb\u011bh Covidu. P\u0159e\u010dt\u011bte si n\u00e1\u0161 \u010dl\u00e1nek Na \u017eivotn\u00ed poji\u0161t\u011bn\u00ed si po Covidu po\u010dk\u00e1te i rok. Co je to p\u0159ipoji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti C\u00edlem na\u0161\u00ed pracovn\u00ed \u010dinnosti je, krom\u011b jin\u00e9ho, odm\u011bna za vykonanou pr\u00e1ci. V&nbsp;p\u0159\u00edpad\u011b neo\u010dek\u00e1van\u00e9 ud\u00e1losti ve form\u011b \u00farazu \u010di nemoci v\u0161ak nastane situace, \u017ee na po\u017eadovan\u00fd p\u0159\u00edjem nedos\u00e1hnete. Do stavu pracovn\u00ed neschopnosti se p\u0159itom m\u016f\u017eete dostat i pouhou karant\u00e9nou. Zat\u00edmco s kr\u00e1tkodob\u00fdm sn\u00ed\u017een\u00edm p\u0159\u00edjm\u016f se v\u011bt\u0161ina rodin dok\u00e1\u017ee d\u00edky vhodn\u00fdm rezerv\u00e1m vypo\u0159\u00e1dat, pokud se karant\u00e9na prot\u00e1hne v nemoc, ta t\u0159eba v hospitalizaci a v\u0161e celkov\u011b v m\u011bs\u00edc i v\u00edce pracovn\u00ed neschopnosti, m\u00e1lokter\u00fd rozpo\u010det to unese bez siln\u00e9ho omezov\u00e1n\u00ed v\u0161ech v dom\u00e1cnosti. Ke kryt\u00ed tohoto v\u00fdpadku nab\u00edz\u00ed poji\u0161\u0165ovny p\u0159ipoji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti.&nbsp; To by m\u011blo pokr\u00fdt rozd\u00edl mezi va\u0161\u00edm b\u011b\u017en\u00fdm m\u011bs\u00ed\u010dn\u00edm p\u0159\u00edjmem a d\u00e1vkou z \u010cSSZ, pokud z\u016fstanete d\u00e9le nemocn\u00ed. \u017divnostn\u00edk\u016fm pak p\u0159ipoji\u0161t\u011bn\u00ed bude [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":399,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-398","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-zivotni-pojisteni"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.11 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>P\u0159ipoji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti v dob\u011b pandemie - Blog FinGO.cz<\/title>\n<meta name=\"description\" content=\"P\u0159ipoji\u0161t\u011bn\u00ed pracovn\u00ed neschopnosti je i v dob\u011b pandemie st\u00e1le aktu\u00e1ln\u00ed v\u011bc. 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