Jak je to se sociálním pojištěním pro studenty

2. červen 2014 | 12:10

Sociální pojištění je něco jiného než zdravotní pojištění. Zvláště u studentů má jiný režim a my si vysvětlíme, jak to je a kolik se platí.

Studenti si sociální pojištění platit nemusí, pokud nevydělávají. Foto: archiv JakNaPeníze.czStudenti si sociální pojištění platit nemusí, pokud nevydělávají. Foto: archiv JakNaPeníze.cz

Je nutné zdůraznit, že od 18 let student přestává být účastníkem na sociálním pojištění, neboť stát ho přestává platit. Sociální pojištění souvisí s důchodem.

Je dobré vědět, že doba studia se nezapočítává do doby pojištění potřebného pro vyplácení důchodu, není to ani náhradní doba pojištění. Ovšem neznamená to, že by student po dobu studia sociální pojištění musel platit z vlastní kapsy. Nemusí.

Je nutné se smířit s tím, že doba studia se nezapočítává do celkové doby odpracovaných let, na základě kterých vzniká po dosažení důchdoového věku nárok na vyplácení starobního důchodu.

Kolik činí sociální pojištění na rok 2014 pro studenta

To se vztahuje na studenty, kteří neprovozují nějakou výdělečnou činnost. Díky tomu nevzniká povinnost platit sociální pojištění. Ovšem i v době studia si mohou studenti zajistit spoluúčast na sociálním pojištění a tím si opatřit leta do celkové doby. A to tím, že si student platí dobrovolené důchodové pojištění.

Nejnižší dobrovolné pojistné v roce 2014 činí 1817 korun měsíčně.

Je důležité vědět, že jakmile absolvent školy ukončí studium, je povinnen platit sociální pojištění. Pokud je zaměstnán, hradí ho zaměstnavatel. Pokud je podnikatel nebo živnostník, musí si ho hradit sám.

Autor: Redakce

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