Pension

En pension er en løbende ydelse, som en person modtager efter at have trukket sig tilbage fra arbejdsmarkedet.

I Danmark findes folkepension, som alle kan få når de rammer folkepensionsalderen. Derudover kan der været forskellige privattegnede pensionsordninger, som kan inkludere aldersopsparing (tidligere kapitalpension), ratepension og/eller livrente. Skyldes pensioneringen uarbejdsdygtighed, er den offentlige ydelse førtidspension, og er der tegnet en privat invaliderente eller invalidepension, kan der udbetales ydelse fra dem. Begrebet dækker også over ægtefælle- og børnepensioner, der er løbende ydelser til efterladte.

Pension i forskellige lande

Pension i Danmark

Pension i Danmark er opdelt i tre søjler:[1]

  • Første søjle er den generelle, lovbestemte, skattefinansierede og basale pension, folkepensionen.[2] Den består af et grundbeløb, som alle over pensionsalderen har ret til, og tillæg til personer med særligt behov. Ved ophold i udlandet kan man kun få en del af folkepensionen, den såkaldte brøkpension
  • Anden søjle er supplerende arbejdsmarkedspensionsordninger, der er baseret på individuel opsparing efter bestemmelser i kollektive overenskomster mellem lønmodtagernes organisationer og arbejdsgivernes organisationer eller enkeltvirksomheder[2]
  • Tredje søjle er supplerende individuelle pensionsordninger[2]

Arbejdsmarkedets Tillægspension (ATP) kan dække både første og anden søjle, idet den er lovbestemt, men individuel og opsparingsbaseret.

Referencer

  1. ^ [https://www.skm.dk/media/5355/det-danske-pensionssystem_samlettilweb.pdf Det danske pensionssystem]. Pensionskommissionen. Hentet 3/3-2022
  2. ^ a b c Hvordan virker pensionssystemet. Ældresagen. Hentet 3/3-2022

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