natgillin/translations-raw huggingface dataset:
Taking into account the nature of the pension scheme established and the administrative burden involved, IORPs should provide clear and adequate information to prospective members, members and beneficiaries to support their decision-making about their retirement and ensure a high level of transparency throughout the various phases of a scheme comprising pre-enrolment, membership (including pre-retirement) and post-retirement.
Informacije bi morale ustrezati potrebam uporabnika ter upoštevati konvencijo Združenih narodov o pravicah invalidov, predvsem kar zadeva dostopnost, kot je določeno v členu 3, in dostop do informacij, kot je določeno v členu 21 konvencije.
In particular, information concerning accrued pension entitlements, projected levels of retirement benefits, risks and guarantees, and costs should be given.
Države članice se lahko odločijo, da bodo natančneje določile, kdo lahko zagotovi informacije, ki se posredujejo potencialnim članom, članom in upravičencem, tudi prek storitev sledenja pokojninam.
Where projected levels of retirement benefits are based on economic scenarios, that information should also include an unfavourable scenario, which should be extreme but plausible.
Glede na posebnosti načrtov, ki zagotavljajo določeno raven prejemkov, na take prejemke ne vpliva pretekla uspešnost kot tudi ne struktura stroškov, razen v skrajnih okoliščinah.
Where members bear an investment risk, additional information on the investment profile, any available options and past performance are also crucial.
Informacije o tem bi bilo torej treba zagotoviti samo pri načrtih, pri katerih so člani izpostavljeni naložbenemu tveganju ali lahko sprejemajo naložbene odločitve.
Information should be adequate to the needs of the user and should take into account the United Nations Convention on the Rights of Persons with Disabilities, in particular as regards accessibility and access to information, as provided for in Articles 3 and 21 thereof respectively.
Pred pristopom k načrtu bi bilo treba potencialnim članom predložiti vse potrebne informacije za informirano odločitev.
Member States can choose to further specify by whom the information to be given to prospective members, members and beneficiaries can be provided including through pension tracking services.
Kadar potencialni člani nimajo izbire in so samodejno vključeni v pokojninski načrt, bi jim morala institucija za poklicno pokojninsko zavarovanje takoj po vključitvi zagotoviti ključne pomembne informacije o njihovem članstvu.
Given the specificities of schemes providing a given level of benefits, such benefits are, except under extreme circumstances, not affected by past performance nor by cost structure.
Za člane bi morale institucije za poklicno pokojninsko zavarovanje pripraviti izkaz pokojninskih prejemkov, ki bi vseboval ključne osebne in splošne informacije o pokojninskem načrtu.
Information thereon should therefore be provided only with respect to schemes where members bear investment risk or can take investment decisions.
Izkaz pokojninskih prejemkov bi moral biti razumljiv in izčrpen ter vsebovati relevantne in ustrezne informacije, da bi bilo lažje razumeti pokojninske pravice skozi čas in po posameznih načrtih, ter biti v podporo mobilnosti delovne sile.
Before joining a scheme, prospective members should be given all the necessary information to make an informed choice.
Institucije za poklicno pokojninsko zavarovanje bi morale člane dovolj časa pred upokojitvijo obvestiti o možnostih izplačila.
Where prospective members do not have a choice and are automatically enrolled in a pension scheme, the IORP should provide them with the key relevant information about their membership promptly after enrolment.
Kadar se pokojnina ne izplača v obliki doživljenjske pokojninske rente, bi morali člani, ki se približujejo upokojitvi, prejeti informacije o razpoložljivih plačilnih produktih za izplačilo prejemkov, da se omogoči finančno načrtovanje za upokojitev.
For members, IORPs should draw up a Pension Benefit Statement containing key personal and generic information about the pension scheme.
Upravičenci bi morali informacije o svojih prejemkih in ustrezajočih možnostih izplačila prejemati tudi v fazi izplačevanja prejemkov.
The Pension Benefit Statement should be clear and comprehensive and should contain relevant and appropriate information to facilitate the understanding of pension entitlements over time and across schemes and serve labour mobility.
To je zlasti pomembno, če upravičenec v fazi izplačevanja nosi znatno stopnjo naložbenega tveganja.
IORPs should inform members sufficiently in advance before retirement about their pay-out options.
Upravičenci bi morali biti obveščeni tudi o znižanju pripadajočih prejemkov, in sicer preden se to znižanje izvede, potem ko je bila sprejeta odločitev o znižanju.
Where the retirement benefit is not paid out as a lifetime annuity, members approaching retirement should receive information about the benefit payment products available, in order to facilitate financial planning for retirement.
Priporočljiva dobra praksa je, da se institucije za poklicno pokojninsko zavarovanje pred sprejetjem take odločitve posvetujejo z upravičenci.
During the phase when retirement benefits are paid, beneficiaries should continue to receive information on their benefits and corresponding pay-out options.
Pristojni organ bi moral pri izvajanju svojih pooblastil slediti glavnim ciljem, to je varstvu pravic članov in upravičencev ter stabilnosti in trdnosti institucij za poklicno pokojninsko zavarovanje.
This is particularly important when a significant level of investment risk is borne by beneficiaries in the pay-out phase.
Obseg bonitetnega nadzora se med državami članicami razlikuje.
Beneficiaries should also be informed of any reduction in the level of benefits due, prior to the application of any such reduction, after a decision which will result in a reduction has been taken.
To je lahko vir težav, kadar mora ena institucija za poklicno pokojninsko zavarovanje izpolnjevati bonitetne predpise svoje matične države članice, hkrati pa spoštovati socialno in delovno pravo svoje države članice gostiteljice.
As a matter of best practice, IORPs are recommended to consult beneficiaries in advance of any such decision.
Pojasnitev, katera področja se štejejo za del bonitetnega nadzora za namene te direktive, zmanjšuje pravno negotovost in s tem povezane transakcijske stroške.
The competent authority should exercise its powers having as its prime objectives the protection of the rights of members and beneficiaries and the stability and soundness of IORPs.
Notranji trg za institucije za poklicno pokojninsko zavarovanje zahteva medsebojno priznavanje standardov skrbnega in varnega poslovanja.
The scope of prudential supervision differs between Member States.
Pristojni organi matične države članice posamezne institucije za poklicno pokojninsko zavarovanje bi morali nadzirati, ali institucija te standarde upošteva.
This can cause problems where an IORP needs to comply with the prudential regulation of its home Member State whilst simultaneously complying with the social and labour law of its host Member State.
Države članice bi morale pristojnim organom podeliti ustrezna pooblastila za uporabo preventivnih ali popravnih ukrepov, če institucija za poklicno pokojninsko zavarovanje krši katero koli od zahtev iz te direktive.
Clarifying which areas are considered to be part of prudential supervision for the purpose of this Directive reduces legal uncertainty and the associated transaction costs.
Da se zagotovi učinkovit nadzor dejavnosti, oddanih v zunanje izvajanje, vključno z vsem nadaljnjim oddajanjem v zunanje podizvajanje, je nujno, da imajo pristojni organi dostop do vseh relevantnih podatkov, s katerimi razpolagajo ponudniki storitev, ki so jim bile dejavnosti oddane v izvajanje, ne glede na to, ali so slednji regulirane ali neregulirane osebe, ter imajo pristojni organi pravico izvajati preverjanja na kraju samem.
An internal market for IORPs requires mutual recognition of prudential standards.
Da se upošteva razvoj trga in zagotovi neprekinjeno izpolnjevanje pogojev za zunanje izvajanje, bi morali pristojni organi imeti potrebna pooblastila, da od institucij za poklicno in pokojninsko zavarovanje in ponudnikov storitev zahtevajo informacije o vseh dejavnostih, oddanih v zunanje izvajanje.
An IORP's adherence to those standards should be supervised by the competent authorities of the IORP's home Member State.
Treba bi bilo omogočiti izmenjavo informacij med nadzornimi organi ter organi ali telesi, katerih naloga je krepiti stabilnost finančnega sistema.
Member States should assign to competent authorities the necessary powers to use preventive or corrective measures if an IORP breaches any of the requirements of this Directive.
Zato je treba opredeliti pogoje, pod katerimi bi bile te izmenjave informacij mogoče.
In order to ensure effective supervision of outsourced activities, including all subsequent re-outsourcing activities, it is essential that the competent authorities have access to all relevant data held by the service providers to whom activities have been outsourced, regardless of whether the latter is a regulated or unregulated entity, and have the right to conduct on-site inspections.
Kadar je informacije dovoljeno razkriti samo z izrecnim soglasjem pristojnih organov, bi bilo treba tem organom omogočiti, da, kadar je primerno, svoje soglasje pogojujejo z izpolnjevanjem strogih pogojev.
In order to take account of market developments and to ensure continuous compliance with the conditions for outsourcing, competent authorities should have the necessary powers to request information from IORPs and service providers about any outsourced activities.
Vsaka obdelava osebnih podatkov, ki se izvede na podlagi te direktive, kot je izmenjava ali prenos osebnih podatkov, ki ga izvedejo pristojni organi, bi morala biti v skladu z Uredbo (EU) 2016/679 Evropskega Parlamenta in Sveta [7], vsaka izmenjava ali prenos informacij, ki ga izvedejo evropski nadzorni organi, pa bi morala biti v skladu z Uredbo (ES) št. 45/2001 Evropskega Parlamenta in Sveta [8].
Provision should be made for exchanges of information between the competent authorities, other authorities and bodies tasked with strengthening of financial stability and the termination of pension schemes.
Da se zagotovi nemoteno delovanje notranjega trga za zagotavljanje poklicnega pokojninskega zavarovanja, organiziranega v merilu Unije, bi morala Komisija po posvetovanju z EIOPA pregledati njeno uporabo in o tem poročati, navedeno poročilo pa predložiti Evropskemu parlamentu in Svetu do 13. januarja 2023.
It is therefore necessary to specify the conditions under which those exchanges of information should be possible.
Nadaljnji razvoj ureditev solventnosti na ravni Unije, kot je na primer model celotne bilance stanja (HBS – Holistic Balance Sheet), v praktičnem smislu ni realističen, v smislu razmerja med stroški in koristmi pa ni učinkovit, predvsem zaradi raznolikosti institucij za poklicno pokojninsko zavarovanje znotraj držav članic in med njimi.
Moreover, where information may be disclosed only with the express agreement of the competent authorities, those authorities should be able, where appropriate, to make their agreement subject to compliance with strict conditions.
Zato za institucije za poklicno pokojninsko zavarovanje na ravni Unije ne bi smeli določati količinskih kapitalskih zahtev, kot na primer v direktivi Solventnost II ali v modelih celotne bilance stanja, izpeljanih iz nje, saj bi te zahteve lahko zmanjšale pripravljenost delodajalcev za zagotavljanje pokojninskih načrtov poklicnega zavarovanja.
Any processing of personal data carried out pursuant to this Directive, such as the exchange or transmission of personal data by the competent authorities, should be in accordance with Regulation (EU) 2016/679 of the European Parliament and of the Council [7], and any exchange or transmission of information by the European Supervisory Authorities pursuant to this Directive should be in accordance with Regulation (EC) No 45/2001 of the European Parliament and of the Council [8].
Ker cilja te direktive, namreč oblikovanja pravnega okvira Unije za institucije za poklicno pokojninsko zavarovanje, ni mogoče zadovoljivo doseči na ravni držav članic, temveč se zaradi obsega in učinka ukrepov lažje doseže na ravni Unije, lahko Unija sprejme ukrepe v skladu z načelom subsidiarnosti iz člena 5 Pogodbe o Evropski uniji.
In order to ensure fair competition between institutions, the transitional period allowing insurance undertakings falling within the scope of Directive 2009/138/EC to operate their occupational retirement provision business under the rules referred to in Article 4 of this Directive should be extended until 31 December 2022.
Države članice so se v skladu s Skupno politično izjavo držav članic in Komisije z dne 28. septembra 2011 o obrazložitvenih dokumentih zavezale, da bodo uradnemu obvestilu o ukrepih za prenos v upravičenih primerih priložile enega ali več dokumentov, v katerih bo pojasnjeno razmerje med sestavnimi elementi direktive in ustreznimi deli nacionalnih instrumentov za prenos.
Directive 2009/138/EC should therefore be amended accordingly.
Zakonodajalec meni, da je predložitev takšnih dokumentov v primeru te direktive upravičena.
The further development at Union level of solvency models, such as the holistic balance sheet (HBS), is not realistic in practical terms and not effective in terms of costs and benefits, particularly given the diversity of IORPs within and across Member States.
Obveznost prenosa te direktive v nacionalno pravo bi morala biti omejena na tiste določbe, ki pomenijo vsebinsko spremembo v primerjavi s predhodnimi direktivami.
No quantitative capital requirements, such as Solvency II or HBS models derived therefrom, should therefore be developed at the Union level with regard to IORPs, as they could potentially decrease the willingness of employers to provide occupational pension schemes.
Obveznost prenosa določb, ki so nespremenjene, izhaja iz predhodnih direktiv.
Since the objective of this Directive, namely to create a Union legal framework covering IORPs, cannot be sufficiently achieved by the Member States, but can rather, by reason of the scale or effects of the action, be better achieved at Union level, the Union may adopt measures, in accordance with the principle of subsidiarity as set out in Article 5 of the Treaty on European Union.
Ta direktiva ne bi smela posegati v obveznosti držav članic glede rokov za prenos v nacionalno pravo in začetka uporabe direktiv, ki so določeni v delu B Priloge I –
In accordance with the principle of proportionality as set out in that Article, this Directive does not go beyond what is necessary in order to achieve that objective.
SPREJELA NASLEDNJO DIREKTIVO:
In accordance with the Joint Political Declaration of 28 September 2011 of Member States and the Commission on explanatory documents, Member States have undertaken to accompany, in justified cases, the notification of their transposition measures with one or more documents explaining the relationship between the components of a directive and the corresponding parts of national transposition instruments.
NASLOV I
With regard to this Directive, the legislator considers the transmission of such documents to be justified.
SPLOŠNE DOLOČBE
The obligation to transpose this Directive into national law should be confined to those provisions which represent a substantive amendment as compared to the earlier Directives.
Člen 1
The obligation to transpose the provisions which are unchanged arises under the earlier Directives.
Predmet urejanja
This Directive should be without prejudice to the obligations of the Member States relating to the time-limits for transposition into national law and application of the Directives set out in Annex I, Part B,
V tej direktivi so določena pravila za ustanovitev in začetek izvajanja dejavnosti institucij za poklicno pokojninsko zavarovanje.
HAVE ADOPTED THIS DIRECTIVE:
Člen 2
TITLE I
Področje uporabe
GENERAL PROVISIONS
Ta direktiva se uporablja za institucije za poklicno pokojninsko zavarovanje.
Article 1
Kadar v skladu z nacionalnim pravom institucije za poklicno pokojninsko zavarovanje nimajo statusa pravne osebe, države članice to direktivo uporabljajo bodisi za te institucije za poklicno pokojninsko zavarovanje bodisi, ob upoštevanju odstavka 2, za tiste pooblaščene subjekte, ki so odgovorni za njihovo upravljanje in ki delujejo v njihovem imenu.
Subject matter
Ta direktiva se ne uporablja za:
This Directive lays down rules for the taking-up and pursuit of activities carried out by institutions for occupational retirement provision (IORPs).
institucije, ki upravljajo sisteme socialne varnosti iz uredb (ES) št. 883/2004 [9] in (ES) št. 987/2009 [10] Evropskega parlamenta in Sveta;
Article 2
institucije, za katere se uporabljajo direktive 2009/65/ES [11], 2009/138/ES, 2011/61/EU [12], 2013/36/EU [13] in 2014/65/EU [14] Evropskega parlamenta in Sveta;
Scope
institucije, ki poslujejo na podlagi sprotnega prispevnega kritja (dokladnega sistema);
This Directive shall apply to IORPs.
institucije, v katerih uslužbenci ustanoviteljskega podjetja nimajo zakonskih pravic do prejemkov in v katerih lahko ustanoviteljsko podjetje kadar koli odkupi sredstva in mu ni nujno treba izpolniti svojih obveznosti plačevanja pokojnin;
Where, in accordance with national law, IORPs do not have legal personality, Member States shall apply this Directive either to those IORPs or, subject to paragraph 2, to those authorised entities responsible for operating them and acting on their behalf.
družbe, ki zaradi izplačila pokojnin svojim uslužbencem uporabljajo sistem pokojninskih rezervacij.
This Directive shall not apply to:
Člen 3
institutions operating social security schemes which are covered by Regulations (EC) No 883/2004 [9] and (EC) No 987/2009 [10] of the European Parliament and of the Council;
Uporaba za institucije za poklicno pokojninsko zavarovanje, ki upravljajo sisteme socialne varnosti
institutions which are covered by Directives 2009/65/EC [11], 2009/138/EC, 2011/61/EU [12], 2013/36/EU [13] and 2014/65/EU [14] of the European Parliament and of the Council;
Pri institucijah za poklicno pokojninsko zavarovanje, ki istočasno upravljajo tudi sisteme obveznega pokojninskega zavarovanja iz zaposlitve, ki se v smislu uredb (ES) št. 883/2004 in (ES) št. 987/2009 obravnavajo kot sistemi socialne varnosti, se ta direktiva uporablja le za njihovo dejavnost neobveznega poklicnega pokojninskega zavarovanja.
institutions which operate on a pay-as-you-go basis;
V tem primeru se za obveznosti in ustrezno premoženje vzpostavi ločena obračunska enota in jih ni mogoče prenesti na obvezne pokojninske sisteme, ki se obravnavajo kot sistemi socialne varnosti, ali obratno.
institutions where employees of the sponsoring undertaking have no legal rights to benefits and where the sponsoring undertaking can redeem the assets at any time and not necessarily meet its obligations for payment of retirement benefits;
Člen 4
companies using book-reserve schemes with a view to paying out retirement benefits to their employees.
Izbirna uporaba za institucije iz Direktive 2009/138/ES
Article 3
Matične države članice se lahko odločijo uporabljati določbe členov 9 do 14, členov 19 do 22, člena 23(1) in (2) ter členov 24 do 58 te direktive za dejavnosti poklicnega pokojninskega zavarovanja, ki ga zagotavljajo življenjske zavarovalnice v skladu s točkami (a)(i) do (iii) člena 2(3) in točkami (b)(ii) do (iv) člena 2(3) Direktive 2009/138/ES.
Application to IORPs operating social security schemes
V tem primeru se za celotno premoženje in vse obveznosti, ki ustrezajo dejavnostim poklicnega pokojninskega zavarovanja, vzpostavi ločena obračunska enota, ki se upravlja in organizira ločeno od drugih dejavnosti življenjskih zavarovalnic brez možnosti prenosa.
IORPs which also operate compulsory employment-related pension schemes which are considered to be social security schemes covered by Regulations (EC) No 883/2004 and (EC) No 987/2009 shall be covered by this Directive in respect of their non-compulsory occupational retirement provision business.
V primeru iz prvega odstavka tega člena, in le kolikor se to nanaša na njihovo dejavnost poklicnih pokojninskih zavarovanj, se členi 76 do 86, člen 132, člen 134(2), člen 173, člen 185(5), člen 185(7) in (8) ter člen 209 Direktive 2009/138/ES ne uporabljajo za življenjske zavarovalnice.
In that case, the liabilities and corresponding assets shall be ring-fenced and it shall not be possible to transfer them to the compulsory pension schemes which are considered as social security schemes or vice versa.
Matična država članica zagotovi, da pristojni organi ali organi, ki so odgovorni za nadziranje življenjskih zavarovalnic, zajetih v Direktivi 2009/138/ES, kot del njihovih nadzornih dolžnosti preverijo strogo ločenost dejavnosti poklicnega pokojninskega zavarovanja.
Optional application to institutions covered by Directive 2009/138/EC
Majhne institucije za poklicno pokojninsko zavarovanje in zakonsko predpisani načrti
Home Member States may choose to apply the provisions of Articles 9 to 14, Articles 19 to 22, Article 23(1) and (2), and Articles 24 to 58 of this Directive to the occupational retirement provision business of life insurance undertakings in accordance with points (a)(i) to (iii) of Article 2(3) and points (b)(ii) to (iv) of Article 2(3) of Directive 2009/138/EC.
Z izjemo členov 32 do 35, se lahko države članice odločijo, da v celoti ali delno ne uporabljajo te direktive za institucije za poklicno pokojninsko zavarovanje, registrirane ali pooblaščene na njihovem ozemlju, ki upravljajo pokojninske načrte s skupno manj kot 100 člani.
In that case, all assets and liabilities corresponding to the occupational retirement provision business shall be ring-fenced, managed and organised separately from the other activities of the life insurance undertakings, without any possibility of transfer.
Ob upoštevanju člena 2(2), imajo takšne institucije za poklicno pokojninsko zavarovanje kljub temu pravico do uporabe te direktive na prostovoljni podlagi.
In the case referred to in the first paragraph of this Article, and only insofar as their occupational retirement provision business is concerned, life insurance undertakings shall not be subject to Articles 76 to 86, Article 132, Article 134(2), Article 173, Article 185(5), Article 185(7) and (8) and Article 209 of Directive 2009/138/EC.
Člen 11 se lahko uporablja le ob uporabi vseh drugih določb te direktive.
The home Member State shall ensure that either the competent authorities, or the authorities responsible for supervision of life insurance undertakings covered by Directive 2009/138/EC, as part of their supervisory work, verify the strict separation of the relevant occupational retirement provision business.
Države članice uporabljajo člen 19(1) ter člen 21(1) in (2) za vsako institucijo za poklicno pokojninsko zavarovanje, registrirano ali pooblaščeno na njihovem ozemlju, ki upravlja pokojninske načrte s skupno več kot 15 člani.
Article 5
Države članice lahko uporabljajo katerega koli od členov 1 do 8, člen 19 in členov 32 do 35 za institucije, pri katerih je v skladu z nacionalnim pravom poklicno pokojninsko zavarovanje zakonsko predpisano in zanj jamči javni organ.
Small IORPs and statutory schemes
Člen 6
With the exception of Articles 32 to 35, Member States may choose not to apply this Directive, in whole or in part, to any IORP registered or authorised in their territories which operates pension schemes which together have less than 100 members in total.
Opredelitev pojmov
Subject to Article 2(2), such IORPs shall nevertheless be given the right to apply this Directive on a voluntary basis.
V tej direktivi:
Article 11 may be applied only if all the other provisions of this Directive apply.
„institucija za poklicno pokojninsko zavarovanje“ pomeni institucijo, ne glede na njeno pravno obliko, ki posluje na podlagi kapitalskega kritja in je ustanovljena ločeno od kakršnega koli ustanoviteljskega podjetja ali poklicnega združenja z namenom zagotavljati pokojnine v okviru poklicne dejavnosti na podlagi sporazuma ali pogodbe, sklenjenima: