{"id":61,"date":"2022-04-07T04:55:03","date_gmt":"2022-04-07T04:55:03","guid":{"rendered":"https:\/\/www.carpathiapensii.ro\/?page_id=61"},"modified":"2024-04-04T14:42:08","modified_gmt":"2024-04-04T12:42:08","slug":"intrebari-frecvente","status":"publish","type":"page","link":"https:\/\/www.carpathiapensii.ro\/index.php\/intrebari-frecvente\/","title":{"rendered":"\u00centreb\u0103ri frecvente"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"61\" class=\"elementor elementor-61\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-529a8498 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"529a8498\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6af15a50\" data-id=\"6af15a50\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67a94e0e elementor-widget elementor-widget-heading\" data-id=\"67a94e0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00centreb\u0103ri frecvente<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3bc59430 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3bc59430\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-40736279\" data-id=\"40736279\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8d914c9 button-2 elementor-widget elementor-widget-button\" data-id=\"8d914c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.carpathiapensii.ro\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-angle-left\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Acas\u0103<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-1ecc326c\" data-id=\"1ecc326c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-765d672e elementor-widget elementor-widget-text-editor\" data-id=\"765d672e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"container\"><div class=\"content__wrap\"><div class=\"container\"><div class=\"content__wrap\"><h6 class=\"content__lead\">Ai vreo nel\u0103murire legat\u0103 de sistemele de pensii din Rom\u00e2nia sau de serviciile pe care le ofer\u0103 Carpathia Pensii? Aici g\u0103se\u0219ti r\u0103spunsuri le cele mai frecvente \u00eentreb\u0103ri pe care ni le adreseaz\u0103, de obicei, clien\u021bii no\u0219tri.<\/h6><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6050776d elementor-widget elementor-widget-toggle\" data-id=\"6050776d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1611\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1611\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Care este diferen\u021ba dintre pensia privat\u0103 obligatorie \u0219i pensia administrat\u0103 privat?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1611\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1611\"><p>Nu este nicio diferen\u021b\u0103. Pensia privat\u0103 obligatorie este termenul comun utilizat. Pensia administrat\u0103 privat este termenul legal utilizat \u00een legisla\u021bie.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1612\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1612\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Care sunt avantajele mele ca participant al Fondului de Pensii Administrat Privat VITAL?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1612\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1612\"><p>\u00cen primul r\u00e2nd, vei beneficia de o pensie suplimentar\u0103, pe l\u00e2ng\u0103 pensia din sistemul public. Practic, sumele cu care contribui la Fondul VITAL \u00ee\u021bi vor reveni de drept sub form\u0103 de pensie privat\u0103. Asta \u00eenseamn\u0103 mai mult\u0103 stabilitate \u0219i siguran\u021b\u0103 la pensionare.<\/p>\n<p>Un avantaj deosebit de important \u00eel reprezint\u0103 posibilitatea ca suma acumulat\u0103 \u00een contul t\u0103u de pensie privat\u0103 s\u0103 r\u0103m\u00e2n\u0103 mo\u0219tenire familiei, \u00een caz de deces. Spre deosebire de sistemul public unde nu exist\u0103 aceast\u0103 posibilitate, iar contribu\u021bia este pierdut\u0103.<\/p>\n<p>\u0218i, poate cel mai important aspect, pensia privat\u0103 obligatorie nu presupune niciun cost suplimentar. Toate contribu\u021biile sunt re\u021binute din contribu\u021bia de asigur\u0103ri sociale pe care o datorezi \u00een mod legal ca angajat. Contribu\u021biile sunt declarate \u0219i virate de c\u0103tre angajator c\u0103tre bugetul de stat, de unde Casa Na\u021bional\u0103 de Pensii Publice le redirec\u021bioneaz\u0103 c\u0103tre contul t\u0103u individual deschis la Fondul VITAL.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1613\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1613\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Ce confer\u0103 siguran\u021b\u0103 sistemului de pensii administrate privat?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1613\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1613\"><p>\u00cen primul r\u00e2nd, conform prevederilor legale \u00een vigoare, fondurile de pensii administrate privat nu pot fi declarate \u00een stare de faliment.<br \/><br \/>\u00cen plus, suma total\u0103 cuvenit\u0103 pentru pensia ta privat\u0103 nu poate fi mai mic\u0103 dec\u00e2t valoarea contribu\u021biilor tale pl\u0103tite, diminuat\u0103 cu penalit\u0103\u021bile de transfer (dac\u0103 este cazul) \u0219i cu comisioanele legale de administrare.<br \/><br \/>De asemenea, exist\u0103 obliga\u021bii de raportare \u0219i transparen\u021b\u0103, astfel c\u0103 situa\u021biile financiare ale fondurilor sunt auditate periodic. Existen\u021ba Fondului de Garantare a pensiilor private ofer\u0103 o plas\u0103 de siguran\u021b\u0103 pentru sistemul privat de pensii, la care se adaug\u0103 impunerea unei rate minime a rentabilit\u0103\u021bii de c\u0103tre Autoritatea de Supraveghere Financiar\u0103 &#8211; Sectorul Pensiilor Private.<br \/><br \/>\u00cen prezent, sistemul de pensii private se afl\u0103 permanent sub controlul \u0219i supravegherea desf\u0103\u0219urate de Autoritatea de Supraveghere Financiar\u0103 &#8211; Sectorul Pensiilor Private.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1614\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1614\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Ce este activul personal?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1614\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1614\"><p>Activul personal este suma acumulat\u0103 \u00een contul t\u0103u individual, la zi, care se calculeaz\u0103 ca num\u0103r de unit\u0103\u021bi de fond de\u021binute multiplicate cu valoarea la zi a unit\u0103\u021bii de fond.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1615\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1615\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Ce reprezint\u0103 valoarea unit\u0103\u021bii de fond sau VUAN?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1615\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1615\"><p>VUAN este raportul dintre valoarea activului net al fondului VITAL \u0219i num\u0103rul total de unit\u0103\u021bi ale fondului la data calculului.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1616\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1616\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Ce se \u00eent\u00e2mpl\u0103 dac\u0103 am mai multe contracte de munc\u0103?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1616\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1616\"><p>\u00cen cazul \u00een care e\u0219ti \u00eencadrat cu contract de munc\u0103 \u00een mai multe locuri, contribu\u021bia de asigur\u0103ri sociale se re\u021bine \u0219i se vireaz\u0103 aferent fiec\u0103rui loc de munc\u0103. Astfel c\u0103, \u00een contul individual se vor \u00eencasa cumulat contribu\u021biile aferente fiec\u0103rui contract de munc\u0103, respectiv salariu.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1617\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1617\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Ce se \u00eent\u00e2mpl\u0103 dac\u0103 o perioad\u0103 nu am mai cotizat la sistemul public de pensii?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1617\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1617\"><p>Nu pierzi nimic din ce ai acumulat \u0219i r\u0103m\u00e2i \u00een continuare participant cu drepturi depline la Fondul VITAL. Contul t\u0103u va fi administrat \u00een continuare p\u00e2n\u0103 la reluarea pl\u0103\u021bilor (reangajare \u0219i declararea contribu\u021biei de asigur\u0103ri sociale de c\u0103tre angajatorul t\u0103u) sau p\u00e2n\u0103 la pensionarea ta din sistemul public de pensii.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1618\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1618\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Ce se \u00eent\u00e2mpl\u0103 \u00een situa\u021bia decesului unui participant?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1618\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1618\"><p>Spre deosebire de sistemul public de pensii, mo\u0219tenitorii legali ai participantului la sistemul privat de pensii au dreptul de a intra \u00een posesia sumei acumulate \u00een contul individual al participantului, f\u0103c\u00e2nd dovad\u0103 cu certificatul de deces al participantului \u0219i certificatul de mo\u0219tenitor\/legatar.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1619\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-1619\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Ce se \u00eent\u00e2mpl\u0103 \u00een situa\u021bia \u00een care intru \u00een invaliditate?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1619\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-1619\"><p>Dac\u0103 se \u00eent\u00e2mpl\u0103 s\u0103 intri \u00een invaliditate, vei avea dreptul de a revendica sumele acumulate \u00een contul individual, chiar dac\u0103 nu ai atins v\u00e2rsta legal\u0103 de pensionare. Desigur, \u00eenainte trebuie s\u0103 dovede\u0219ti invaliditatea cu decizia de pensionare.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-16110\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-16110\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Cine vireaz\u0103 contribu\u021biile la fondurile de pensii?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-16110\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-16110\"><p>Institu\u021bia de eviden\u021b\u0103 (Casa Na\u021bional\u0103 de Pensii Publice) vireaz\u0103, din conturile de buget a asigur\u0103rilor sociale de stat, suma reprezent\u00e2nd contribu\u021biile la Fondul VITAL, pentru fiecare participant \u00een parte.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-16111\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-16111\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Contribu\u021bia la un fond de pensii private va duce, \u00een timp, la eliminarea pensiei publice?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-16111\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-16111\"><p>Nu. Participarea la un fond de pensii administrat privat nu va elimina pensia public\u0103, ci va veni \u00een completarea acesteia.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-16112\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-16112\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Cum devin participant al Fondului VITAL?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-16112\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-16112\"><p>Dac\u0103 ai p\u00e2n\u0103 \u00een 35 de ani \u0219i e\u0219ti la prima angajare, \u00een termen de 4 luni de la data primei angaj\u0103ri e\u0219ti obligat s\u0103-\u021bi alegi un fond de pensii administrat privat. \u00cen caz contrar, vei fi repartizat aleatoriu la unul din fondurile existente \u00een pia\u021b\u0103. Dar de ce s\u0103 la\u0219i statul s\u0103 decid\u0103 pentru tine, c\u00e2nd po\u021bi face singur cea mai bun\u0103 alegere?<\/p><p>Dac\u0103 ai \u00eentre 35 \u0219i 45 de ani, po\u021bi deveni participant al fondului VITAL doar prin semnarea unui act de aderare individual. \u00cen cazul \u00een care o persoan\u0103 semneaz\u0103 cu mai multe fonduri de pensii un act de aderare, acestea sunt invalidate \u0219i persoana \u00een cauz\u0103 este repartizat\u0103 aleatoriu.<\/p><p>\u00cen orice caz, Carpathia Pensii te va informa \u00een scris asupra rezultatului procesului de validare.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-16113\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-16113\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Cum pot s\u0103 \u00eemi transfer contul de pensie pilon II la Carpathia Pensii?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-16113\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-16113\"><p>Ne bucur\u0103m c\u0103 vrei s\u0103 fim noi cei care \u00ee\u021bi administreaz\u0103 pensia pilon II.<\/p>\n<p>G\u0103se\u0219ti toate detaliile la sec\u021biunea&nbsp;Transfer la VITAL \u2013 PASII DE URMAT de la pagina&nbsp;<a href=\"https:\/\/www.carpathiapensii.ro\/index.php\/pensia-pilon-ii\/proceduri-si-formulare\/\" target=\"_blank\">Proceduri \u0219i formulare<\/a>.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-16114\" class=\"elementor-tab-title\" data-tab=\"14\" role=\"button\" aria-controls=\"elementor-tab-content-16114\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Cum sunt eviden\u021bia\u021bi banii acumula\u021bi din contribu\u021biile mele?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-16114\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"14\" role=\"region\" aria-labelledby=\"elementor-tab-title-16114\"><p>Fiecare participant are un cont individual \u00een care, lunar, sunt alocate contribu\u021biile virate de institu\u021bia de eviden\u021b\u0103. Contribu\u021biile se convertesc \u00een unit\u0103\u021bi de fond, \u00een maximum dou\u0103 zile lucr\u0103toare de la data \u00eencas\u0103rii acestora. Valoarea unit\u0103\u021bii de fond se calculeaz\u0103 zilnic de c\u0103tre administrator \u0219i depozitar \u0219i reprezint\u0103 raportul dintre valoarea activului net al fondului \u0219i num\u0103rul total de unit\u0103\u021bi ale fondului. Valoarea activului personal al participantului se calculeaz\u0103 \u00eenmul\u021bind num\u0103rul de unit\u0103\u021bi de fond cu valoarea unit\u0103\u021bii de fond la o dat\u0103 anume.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-16115\" class=\"elementor-tab-title\" data-tab=\"15\" role=\"button\" aria-controls=\"elementor-tab-content-16115\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Este posibil s\u0103 m\u0103 retrag din sistemul pensiilor administrate privat?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-16115\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"15\" role=\"region\" aria-labelledby=\"elementor-tab-title-16115\"><p>Nu exist\u0103 aceast\u0103 posibilitate. R\u0103m\u00e2i participant \u00een sistem pentru \u00eentreaga perioad\u0103 pentru care datorezi o contribu\u021bie de asigur\u0103ri sociale la sistemul public de pensii.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-16116\" class=\"elementor-tab-title\" data-tab=\"16\" role=\"button\" aria-controls=\"elementor-tab-content-16116\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">\u00cemi pot fi suspendate contribu\u021biile la fondul de pensii private obligatorii?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-16116\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"16\" role=\"region\" aria-labelledby=\"elementor-tab-title-16116\"><p>Acest lucru se poate \u00eent\u00e2mpla doar \u00een cazul \u00een care contribu\u021biile tale c\u0103tre bugetul asigur\u0103rilor sociale de stat sunt temporar suspendate (dac\u0103, de exemplu, nu lucrezi o perioad\u0103 de timp).<br \/>\u00cen acest caz vor fi suspendate automat \u0219i contribu\u021biile c\u0103tre fondul de pensii private obligatorii.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-16117\" class=\"elementor-tab-title\" data-tab=\"17\" role=\"button\" aria-controls=\"elementor-tab-content-16117\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Pot participa la mai multe fonduri de pensii administrate privat?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-16117\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"17\" role=\"region\" aria-labelledby=\"elementor-tab-title-16117\"><p>Nu se poate. O persoan\u0103 poate fi participant la un singur fond de pensii administrat privat.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-16118\" class=\"elementor-tab-title\" data-tab=\"18\" role=\"button\" aria-controls=\"elementor-tab-content-16118\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Sunt pensionat pe caz de boal\u0103. Pot retrage banii din Pilonul II?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-16118\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"18\" role=\"region\" aria-labelledby=\"elementor-tab-title-16118\"><p>Dac\u0103 e\u0219ti pensionat \u00een urma unei invalidit\u0103\u021bi de gradul 1, 2 sau 3, r\u0103spunsul este da, po\u021bi primii banii din pilonul II. Trebuie doar s\u0103 te asiguri c\u0103 \u00eendepline\u0219ti toate condi\u021biile \u0219i trimi\u021bi toate documentele solicitate de Carpathia Pensii, \u00een forma solicitat\u0103.\u00a0<\/p><p>Po\u021bi afla mai multe detalii sun\u00e2nd la\u00a0<strong>0264.302.202<\/strong>.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-16119\" class=\"elementor-tab-title\" data-tab=\"19\" role=\"button\" aria-controls=\"elementor-tab-content-16119\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Un membru al familiei mele a decedat. Cum primesc banii din contul lui de pensie pilon II?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-16119\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"19\" role=\"region\" aria-labelledby=\"elementor-tab-title-16119\"><p>Ne pare r\u0103u pentru pierderea suferit\u0103, condolean\u021be!<\/p>\n<p>\u00cen acest caz sunt c\u00e2teva aspecte de men\u021bionat:<\/p>\n<ul>\n<li>Drepturile cuvenite trebuie revendicate de mo\u0219tenitorii legali. Trebuie s\u0103 ai grij\u0103 s\u0103 incluzi la masa succesoral\u0103 activul personal net aferent contului de pensie de\u021binut de defunct pentru ca acesta s\u0103 fie \u00eemp\u0103r\u021bit \u00eentre mo\u0219tenitori, conform cotelor p\u0103r\u021bi cuvenite. Plata sumelor se face \u00een baza unei cereri \u0219i a unor documente, conform rezultatului succesiunii.<\/li>\n<li>\u021aine cont c\u0103 \u00een Pilon II exist\u0103 urm\u0103toarele posibilit\u0103\u021bi:<\/li>\n<\/ul>\n<p>&#8211; dac\u0103 tu, ca mo\u0219tenitor, e\u0219ti participant la un fond de pensii pilon II, po\u021bi primi banii cuveni\u021bi din mo\u0219tenire \u00een contul de pensie la fondul la care e\u0219ti participant la pilonul II. Astfel pensia ta pilon II se va m\u0103ri cu mo\u0219tenirea cuvenit\u0103 \u0219i o vei \u00eencasa la v\u00e2rsta pension\u0103rii. Este decizia ta!<\/p>\n<p>&#8211; dac\u0103 tu, ca mo\u0219tenitor, decizi c\u0103 vrei banii mo\u0219teni\u021bi s\u0103 \u00eei cheltui cum consideri, atunci \u00eei vei primi \u00een contul t\u0103u bancar, printr-o plat\u0103 unic\u0103 sau e\u0219alonat\u0103, e\u0219alonarea f\u0103c\u00e2ndu-se \u00een tran\u0219e lunare cu o valoare de minimum 500 lei, pe o perioad\u0103 de maximum 5 ani. Nu uita c\u0103 sumele sunt considerate venituri din pensie \u0219i sunt supuse impozit\u0103rii conform Codului Fiscal.<\/p>\n<p>Documentele de care ai nevoie pentru a solicita sumele acumulate \u00een cazul decesului de\u021bin\u0103torului contului de Pilon II le g\u0103se\u0219ti \u00een sec\u021biunea PLAT\u0102 MO\u0218TENIRE de la pagina&nbsp;<a href=\"https:\/\/www.carpathiapensii.ro\/index.php\/pensia-pilon-ii\/proceduri-si-formulare\/\" target=\"_blank\">Proceduri \u0219i formulare<\/a>.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-16120\" class=\"elementor-tab-title\" data-tab=\"20\" role=\"button\" aria-controls=\"elementor-tab-content-16120\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Un membru al familiei mele a decedat. Cum primesc banii din contul lui de pensie pilon III?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-16120\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"20\" role=\"region\" aria-labelledby=\"elementor-tab-title-16120\"><p>Ne pare r\u0103u pentru pierderea suferit\u0103, condolean\u021be!<\/p>\n<p>\u00cen acest caz sunt c\u00e2teva aspecte de men\u021bionat:<\/p>\n<ul>\n<li>Drepturile cuvenite trebuie revendicate. Trebuie s\u0103 ai grij\u0103 s\u0103 incluzi la masa succesoral\u0103 activul personal net aferent contului de pensie de\u021binut de defunct pentru ca acesta s\u0103 fie \u00eemp\u0103r\u021bit \u00eentre mo\u0219tenitori, conform cotelor p\u0103r\u021bi cuvenite. Plata sumelor se face \u00een baza unor documente, conform rezultatului succesiunii.<\/li>\n<li>Po\u021bi primi banii \u00een contul t\u0103u bancar, printr-o plat\u0103 unic\u0103 sau e\u0219alonat\u0103, \u00een tran\u0219e lunare cu o valoare de minimum 500 lei, pe o perioad\u0103 de maximum 5 ani. Nu uita c\u0103 sumele sunt considerate venituri din pensie \u0219i sunt supuse impozit\u0103rii conform Codului Fiscal.<\/li>\n<\/ul>\n<p>Documentele de care ai nevoie pentru a solicita sumele acumulate \u00een cazul decesului de\u021bin\u0103torului contului de pensie pilon III le g\u0103se\u0219ti \u00een sec\u021biunea PLAT\u0102 MO\u0218TENIRE de la pagina&nbsp;<a href=\"https:\/\/www.carpathiapensii.ro\/index.php\/pensia-pilon-iii\/proceduri-si-formulare\/\" target=\"_blank\">Proceduri \u0219i formulare<\/a>.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Care este diferen\\u021ba dintre pensia privat\\u0103 obligatorie \\u0219i pensia administrat\\u0103 privat?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Nu este nicio diferen\\u021b\\u0103. Pensia privat\\u0103 obligatorie este termenul comun utilizat. Pensia administrat\\u0103 privat este termenul legal utilizat \\u00een legisla\\u021bie.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Care sunt avantajele mele ca participant al Fondului de Pensii Administrat Privat VITAL?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>\\u00cen primul r\\u00e2nd, vei beneficia de o pensie suplimentar\\u0103, pe l\\u00e2ng\\u0103 pensia din sistemul public. Practic, sumele cu care contribui la Fondul VITAL \\u00ee\\u021bi vor reveni de drept sub form\\u0103 de pensie privat\\u0103. Asta \\u00eenseamn\\u0103 mai mult\\u0103 stabilitate \\u0219i siguran\\u021b\\u0103 la pensionare.<\\\/p>\\n<p>Un avantaj deosebit de important \\u00eel reprezint\\u0103 posibilitatea ca suma acumulat\\u0103 \\u00een contul t\\u0103u de pensie privat\\u0103 s\\u0103 r\\u0103m\\u00e2n\\u0103 mo\\u0219tenire familiei, \\u00een caz de deces. Spre deosebire de sistemul public unde nu exist\\u0103 aceast\\u0103 posibilitate, iar contribu\\u021bia este pierdut\\u0103.<\\\/p>\\n<p>\\u0218i, poate cel mai important aspect, pensia privat\\u0103 obligatorie nu presupune niciun cost suplimentar. Toate contribu\\u021biile sunt re\\u021binute din contribu\\u021bia de asigur\\u0103ri sociale pe care o datorezi \\u00een mod legal ca angajat. Contribu\\u021biile sunt declarate \\u0219i virate de c\\u0103tre angajator c\\u0103tre bugetul de stat, de unde Casa Na\\u021bional\\u0103 de Pensii Publice le redirec\\u021bioneaz\\u0103 c\\u0103tre contul t\\u0103u individual deschis la Fondul VITAL.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Ce confer\\u0103 siguran\\u021b\\u0103 sistemului de pensii administrate privat?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>\\u00cen primul r\\u00e2nd, conform prevederilor legale \\u00een vigoare, fondurile de pensii administrate privat nu pot fi declarate \\u00een stare de faliment.<br \\\/><br \\\/>\\u00cen plus, suma total\\u0103 cuvenit\\u0103 pentru pensia ta privat\\u0103 nu poate fi mai mic\\u0103 dec\\u00e2t valoarea contribu\\u021biilor tale pl\\u0103tite, diminuat\\u0103 cu penalit\\u0103\\u021bile de transfer (dac\\u0103 este cazul) \\u0219i cu comisioanele legale de administrare.<br \\\/><br \\\/>De asemenea, exist\\u0103 obliga\\u021bii de raportare \\u0219i transparen\\u021b\\u0103, astfel c\\u0103 situa\\u021biile financiare ale fondurilor sunt auditate periodic. Existen\\u021ba Fondului de Garantare a pensiilor private ofer\\u0103 o plas\\u0103 de siguran\\u021b\\u0103 pentru sistemul privat de pensii, la care se adaug\\u0103 impunerea unei rate minime a rentabilit\\u0103\\u021bii de c\\u0103tre Autoritatea de Supraveghere Financiar\\u0103 &#8211; Sectorul Pensiilor Private.<br \\\/><br \\\/>\\u00cen prezent, sistemul de pensii private se afl\\u0103 permanent sub controlul \\u0219i supravegherea desf\\u0103\\u0219urate de Autoritatea de Supraveghere Financiar\\u0103 &#8211; Sectorul Pensiilor Private.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Ce este activul personal?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Activul personal este suma acumulat\\u0103 \\u00een contul t\\u0103u individual, la zi, care se calculeaz\\u0103 ca num\\u0103r de unit\\u0103\\u021bi de fond de\\u021binute multiplicate cu valoarea la zi a unit\\u0103\\u021bii de fond.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Ce reprezint\\u0103 valoarea unit\\u0103\\u021bii de fond sau VUAN?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>VUAN este raportul dintre valoarea activului net al fondului VITAL \\u0219i num\\u0103rul total de unit\\u0103\\u021bi ale fondului la data calculului.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Ce se \\u00eent\\u00e2mpl\\u0103 dac\\u0103 am mai multe contracte de munc\\u0103?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>\\u00cen cazul \\u00een care e\\u0219ti \\u00eencadrat cu contract de munc\\u0103 \\u00een mai multe locuri, contribu\\u021bia de asigur\\u0103ri sociale se re\\u021bine \\u0219i se vireaz\\u0103 aferent fiec\\u0103rui loc de munc\\u0103. Astfel c\\u0103, \\u00een contul individual se vor \\u00eencasa cumulat contribu\\u021biile aferente fiec\\u0103rui contract de munc\\u0103, respectiv salariu.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Ce se \\u00eent\\u00e2mpl\\u0103 dac\\u0103 o perioad\\u0103 nu am mai cotizat la sistemul public de pensii?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Nu pierzi nimic din ce ai acumulat \\u0219i r\\u0103m\\u00e2i \\u00een continuare participant cu drepturi depline la Fondul VITAL. Contul t\\u0103u va fi administrat \\u00een continuare p\\u00e2n\\u0103 la reluarea pl\\u0103\\u021bilor (reangajare \\u0219i declararea contribu\\u021biei de asigur\\u0103ri sociale de c\\u0103tre angajatorul t\\u0103u) sau p\\u00e2n\\u0103 la pensionarea ta din sistemul public de pensii.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Ce se \\u00eent\\u00e2mpl\\u0103 \\u00een situa\\u021bia decesului unui participant?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Spre deosebire de sistemul public de pensii, mo\\u0219tenitorii legali ai participantului la sistemul privat de pensii au dreptul de a intra \\u00een posesia sumei acumulate \\u00een contul individual al participantului, f\\u0103c\\u00e2nd dovad\\u0103 cu certificatul de deces al participantului \\u0219i certificatul de mo\\u0219tenitor\\\/legatar.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Ce se \\u00eent\\u00e2mpl\\u0103 \\u00een situa\\u021bia \\u00een care intru \\u00een invaliditate?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Dac\\u0103 se \\u00eent\\u00e2mpl\\u0103 s\\u0103 intri \\u00een invaliditate, vei avea dreptul de a revendica sumele acumulate \\u00een contul individual, chiar dac\\u0103 nu ai atins v\\u00e2rsta legal\\u0103 de pensionare. Desigur, \\u00eenainte trebuie s\\u0103 dovede\\u0219ti invaliditatea cu decizia de pensionare.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Cine vireaz\\u0103 contribu\\u021biile la fondurile de pensii?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Institu\\u021bia de eviden\\u021b\\u0103 (Casa Na\\u021bional\\u0103 de Pensii Publice) vireaz\\u0103, din conturile de buget a asigur\\u0103rilor sociale de stat, suma reprezent\\u00e2nd contribu\\u021biile la Fondul VITAL, pentru fiecare participant \\u00een parte.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Contribu\\u021bia la un fond de pensii private va duce, \\u00een timp, la eliminarea pensiei publice?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Nu. Participarea la un fond de pensii administrat privat nu va elimina pensia public\\u0103, ci va veni \\u00een completarea acesteia.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Cum devin participant al Fondului VITAL?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Dac\\u0103 ai p\\u00e2n\\u0103 \\u00een 35 de ani \\u0219i e\\u0219ti la prima angajare, \\u00een termen de 4 luni de la data primei angaj\\u0103ri e\\u0219ti obligat s\\u0103-\\u021bi alegi un fond de pensii administrat privat. \\u00cen caz contrar, vei fi repartizat aleatoriu la unul din fondurile existente \\u00een pia\\u021b\\u0103. Dar de ce s\\u0103 la\\u0219i statul s\\u0103 decid\\u0103 pentru tine, c\\u00e2nd po\\u021bi face singur cea mai bun\\u0103 alegere?<\\\/p><p>Dac\\u0103 ai \\u00eentre 35 \\u0219i 45 de ani, po\\u021bi deveni participant al fondului VITAL doar prin semnarea unui act de aderare individual. \\u00cen cazul \\u00een care o persoan\\u0103 semneaz\\u0103 cu mai multe fonduri de pensii un act de aderare, acestea sunt invalidate \\u0219i persoana \\u00een cauz\\u0103 este repartizat\\u0103 aleatoriu.<\\\/p><p>\\u00cen orice caz, Carpathia Pensii te va informa \\u00een scris asupra rezultatului procesului de validare.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Cum pot s\\u0103 \\u00eemi transfer contul de pensie pilon II la Carpathia Pensii?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Ne bucur\\u0103m c\\u0103 vrei s\\u0103 fim noi cei care \\u00ee\\u021bi administreaz\\u0103 pensia pilon II.<\\\/p>\\n<p>G\\u0103se\\u0219ti toate detaliile la sec\\u021biunea&nbsp;Transfer la VITAL \\u2013 PASII DE URMAT de la pagina&nbsp;<a href=\\\"https:\\\/\\\/www.carpathiapensii.ro\\\/index.php\\\/pensia-pilon-ii\\\/proceduri-si-formulare\\\/\\\" target=\\\"_blank\\\">Proceduri \\u0219i formulare<\\\/a>.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Cum sunt eviden\\u021bia\\u021bi banii acumula\\u021bi din contribu\\u021biile mele?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Fiecare participant are un cont individual \\u00een care, lunar, sunt alocate contribu\\u021biile virate de institu\\u021bia de eviden\\u021b\\u0103. Contribu\\u021biile se convertesc \\u00een unit\\u0103\\u021bi de fond, \\u00een maximum dou\\u0103 zile lucr\\u0103toare de la data \\u00eencas\\u0103rii acestora. Valoarea unit\\u0103\\u021bii de fond se calculeaz\\u0103 zilnic de c\\u0103tre administrator \\u0219i depozitar \\u0219i reprezint\\u0103 raportul dintre valoarea activului net al fondului \\u0219i num\\u0103rul total de unit\\u0103\\u021bi ale fondului. Valoarea activului personal al participantului se calculeaz\\u0103 \\u00eenmul\\u021bind num\\u0103rul de unit\\u0103\\u021bi de fond cu valoarea unit\\u0103\\u021bii de fond la o dat\\u0103 anume.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Este posibil s\\u0103 m\\u0103 retrag din sistemul pensiilor administrate privat?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Nu exist\\u0103 aceast\\u0103 posibilitate. R\\u0103m\\u00e2i participant \\u00een sistem pentru \\u00eentreaga perioad\\u0103 pentru care datorezi o contribu\\u021bie de asigur\\u0103ri sociale la sistemul public de pensii.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"\\u00cemi pot fi suspendate contribu\\u021biile la fondul de pensii private obligatorii?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Acest lucru se poate \\u00eent\\u00e2mpla doar \\u00een cazul \\u00een care contribu\\u021biile tale c\\u0103tre bugetul asigur\\u0103rilor sociale de stat sunt temporar suspendate (dac\\u0103, de exemplu, nu lucrezi o perioad\\u0103 de timp).<br \\\/>\\u00cen acest caz vor fi suspendate automat \\u0219i contribu\\u021biile c\\u0103tre fondul de pensii private obligatorii.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Pot participa la mai multe fonduri de pensii administrate privat?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Nu se poate. O persoan\\u0103 poate fi participant la un singur fond de pensii administrat privat.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Sunt pensionat pe caz de boal\\u0103. Pot retrage banii din Pilonul II?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Dac\\u0103 e\\u0219ti pensionat \\u00een urma unei invalidit\\u0103\\u021bi de gradul 1, 2 sau 3, r\\u0103spunsul este da, po\\u021bi primii banii din pilonul II. Trebuie doar s\\u0103 te asiguri c\\u0103 \\u00eendepline\\u0219ti toate condi\\u021biile \\u0219i trimi\\u021bi toate documentele solicitate de Carpathia Pensii, \\u00een forma solicitat\\u0103.\\u00a0<\\\/p><p>Po\\u021bi afla mai multe detalii sun\\u00e2nd la\\u00a0<strong>0264.302.202<\\\/strong>.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Un membru al familiei mele a decedat. Cum primesc banii din contul lui de pensie pilon II?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Ne pare r\\u0103u pentru pierderea suferit\\u0103, condolean\\u021be!<\\\/p>\\n<p>\\u00cen acest caz sunt c\\u00e2teva aspecte de men\\u021bionat:<\\\/p>\\n<ul>\\n<li>Drepturile cuvenite trebuie revendicate de mo\\u0219tenitorii legali. Trebuie s\\u0103 ai grij\\u0103 s\\u0103 incluzi la masa succesoral\\u0103 activul personal net aferent contului de pensie de\\u021binut de defunct pentru ca acesta s\\u0103 fie \\u00eemp\\u0103r\\u021bit \\u00eentre mo\\u0219tenitori, conform cotelor p\\u0103r\\u021bi cuvenite. Plata sumelor se face \\u00een baza unei cereri \\u0219i a unor documente, conform rezultatului succesiunii.<\\\/li>\\n<li>\\u021aine cont c\\u0103 \\u00een Pilon II exist\\u0103 urm\\u0103toarele posibilit\\u0103\\u021bi:<\\\/li>\\n<\\\/ul>\\n<p>&#8211; dac\\u0103 tu, ca mo\\u0219tenitor, e\\u0219ti participant la un fond de pensii pilon II, po\\u021bi primi banii cuveni\\u021bi din mo\\u0219tenire \\u00een contul de pensie la fondul la care e\\u0219ti participant la pilonul II. Astfel pensia ta pilon II se va m\\u0103ri cu mo\\u0219tenirea cuvenit\\u0103 \\u0219i o vei \\u00eencasa la v\\u00e2rsta pension\\u0103rii. Este decizia ta!<\\\/p>\\n<p>&#8211; dac\\u0103 tu, ca mo\\u0219tenitor, decizi c\\u0103 vrei banii mo\\u0219teni\\u021bi s\\u0103 \\u00eei cheltui cum consideri, atunci \\u00eei vei primi \\u00een contul t\\u0103u bancar, printr-o plat\\u0103 unic\\u0103 sau e\\u0219alonat\\u0103, e\\u0219alonarea f\\u0103c\\u00e2ndu-se \\u00een tran\\u0219e lunare cu o valoare de minimum 500 lei, pe o perioad\\u0103 de maximum 5 ani. Nu uita c\\u0103 sumele sunt considerate venituri din pensie \\u0219i sunt supuse impozit\\u0103rii conform Codului Fiscal.<\\\/p>\\n<p>Documentele de care ai nevoie pentru a solicita sumele acumulate \\u00een cazul decesului de\\u021bin\\u0103torului contului de Pilon II le g\\u0103se\\u0219ti \\u00een sec\\u021biunea PLAT\\u0102 MO\\u0218TENIRE de la pagina&nbsp;<a href=\\\"https:\\\/\\\/www.carpathiapensii.ro\\\/index.php\\\/pensia-pilon-ii\\\/proceduri-si-formulare\\\/\\\" target=\\\"_blank\\\">Proceduri \\u0219i formulare<\\\/a>.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Un membru al familiei mele a decedat. Cum primesc banii din contul lui de pensie pilon III?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Ne pare r\\u0103u pentru pierderea suferit\\u0103, condolean\\u021be!<\\\/p>\\n<p>\\u00cen acest caz sunt c\\u00e2teva aspecte de men\\u021bionat:<\\\/p>\\n<ul>\\n<li>Drepturile cuvenite trebuie revendicate. Trebuie s\\u0103 ai grij\\u0103 s\\u0103 incluzi la masa succesoral\\u0103 activul personal net aferent contului de pensie de\\u021binut de defunct pentru ca acesta s\\u0103 fie \\u00eemp\\u0103r\\u021bit \\u00eentre mo\\u0219tenitori, conform cotelor p\\u0103r\\u021bi cuvenite. Plata sumelor se face \\u00een baza unor documente, conform rezultatului succesiunii.<\\\/li>\\n<li>Po\\u021bi primi banii \\u00een contul t\\u0103u bancar, printr-o plat\\u0103 unic\\u0103 sau e\\u0219alonat\\u0103, \\u00een tran\\u0219e lunare cu o valoare de minimum 500 lei, pe o perioad\\u0103 de maximum 5 ani. Nu uita c\\u0103 sumele sunt considerate venituri din pensie \\u0219i sunt supuse impozit\\u0103rii conform Codului Fiscal.<\\\/li>\\n<\\\/ul>\\n<p>Documentele de care ai nevoie pentru a solicita sumele acumulate \\u00een cazul decesului de\\u021bin\\u0103torului contului de pensie pilon III le g\\u0103se\\u0219ti \\u00een sec\\u021biunea PLAT\\u0102 MO\\u0218TENIRE de la pagina&nbsp;<a href=\\\"https:\\\/\\\/www.carpathiapensii.ro\\\/index.php\\\/pensia-pilon-iii\\\/proceduri-si-formulare\\\/\\\" target=\\\"_blank\\\">Proceduri \\u0219i formulare<\\\/a>.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-7b4ce0ad\" data-id=\"7b4ce0ad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u00centreb\u0103ri frecvente Acas\u0103 Ai vreo nel\u0103murire legat\u0103 de sistemele de pensii din Rom\u00e2nia sau de serviciile pe care le ofer\u0103 Carpathia Pensii? Aici g\u0103se\u0219ti r\u0103spunsuri le cele mai frecvente \u00eentreb\u0103ri pe care ni le adreseaz\u0103, de obicei, clien\u021bii no\u0219tri. Care este diferen\u021ba dintre pensia privat\u0103 obligatorie \u0219i pensia administrat\u0103 privat? Nu este nicio diferen\u021b\u0103. Pensia [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-61","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00centreb\u0103ri frecvente - Carpathia Pensii<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.carpathiapensii.ro\/index.php\/intrebari-frecvente\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00centreb\u0103ri frecvente - Carpathia Pensii\" \/>\n<meta property=\"og:description\" content=\"\u00centreb\u0103ri frecvente Acas\u0103 Ai vreo nel\u0103murire legat\u0103 de sistemele de pensii din Rom\u00e2nia sau de serviciile pe care le ofer\u0103 Carpathia Pensii? 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