natgillin/translations-raw huggingface dataset:
15. ugotavlja, da sedanja terminologija o večstebrnem sistemu ne ustreza dejanskemu stanju v različnih državah članicah; zato poziva Komisijo, naj stori vse potrebno za oblikovanje tipologije pokojninskih sistemov v državah članicah ter skupnih opredelitev, tako da bodo sistemi primerljivi, s tem pa tudi precej izboljša sodelovanje na tem političnem področju na evropski ravni;
Notes that the current terminology referring to the multi-pillar system does not correspond to the reality in various Member States; calls, therefore, on the Commission to make the necessary efforts to come up with a typology of pension systems in Member States, as well as a common set of definitions, in order to make systems comparable and thus substantially improve policy cooperation at European level;
20. meni, da lahko daljša delovna doba pomeni več pokojninskih prispevkov, ter ugotavlja, da delavci na splošno ne delajo do teoretične upokojitvene starosti; ugotavlja, da se delojemalci v najtežavnejših poklicnih skupinah pogosteje kot drugi upokojujejo predčasno; meni, da je glede na demografski trend in potrebo po zagotovitvi plačevanja pokojnin potrebna številčnejša in dolgoročnejša udeležba na trgu dela; poudarja, da je ena pomembna prednostna naloga pri doseganju vzdržnosti zagotovitev, da bodo delavci zmožni delati do upokojitvene starosti, in sicer z izvajanjem ustreznih politik za krepitev zaposlitve in socialnega varstva, kot so odvračanje od zgodnje upokojitve, uvajanje finančnih spodbud, zagotavljanje vseživljenjskega učenja in ustrezno zdravstveno varstvo;
Notes the contribution that may be made by working longer and, at the same time, realises that workers generally do not work until the age at which they are entitled to draw full pension; takes note of the fact that employees in the most onerous occupational categories tend to retire earlier than others; considers that, in view of demographic trends and the need to ensure that pensions can be paid for, it is necessary for more people to participate in the labour market on a long-term basis; stresses that one of the important priorities for achieving sustainability is to enable people to work until retirement age without discrimination, by implementing adequate enhancing policies with regard to employment and social provision – e.g. discouraging early retirement, introducing financial incentives and securing lifelong learning and adequate healthcare;
22. meni, da je določitev upokojitvene starosti vprašanje, ki ga je treba glede na različne nacionalne in demografske razmere in razmere na področju delovne sile obravnavati v skladu z načelom subsidiarnosti, pri tem pa med drugim upoštevati pričakovano življenjsko dobo, zdravje in delovne razmere; kljub temu meni, da bi morale države članice z odprto metodo usklajevanja uskladiti svoje strategije pokojninske politike; podpira politiko jasnega obveščanja državljanov za zagotovitev, da so povsem seznanjeni z ravnijo pokojnine, ki jo lahko pričakujejo;
Considers that setting the retirement age is an issue to be addressed according to the subsidiarity principle, considering the variety of national, demographic and labour-force situations, and taking into account life expectancy, health and working conditions, among other factors; is of the opinion, however, that Member States should coordinate their pension policy strategies, using the open method of coordination (OMC); supports a policy of clear communication with citizens to ensure that people fully understand the level of pension they can expect;
27. se strinja, da bi morala biti cilj visoka stopnja varnosti za bodoče upokojence ob sprejemljivih stroških pokroviteljskih podjetij ter v okviru vzdržnih pokojninskih sistemov;
Agrees that a high degree of security for future pensioners, at a reasonable cost for the sponsoring undertakings and in the context of sustainable pension systems, should be the goal;
29. poudarja, da so delavci, ki se selijo prek meja znotraj EU še vedno v veliko slabšem položaju kar zadeva dodatno pokojninsko zavarovanje, saj lahko dobijo razdrobljene poklicne pokojnine ter izgubijo davčne in socialne ugodnosti, povezane z nacionalnimi poklicnimi zavarovanji;
Points to the fact that workers who move across borders in the EU still suffer major disadvantages as regards supplementary pension schemes, since their occupational pensions may be fragmented and they may lose tax and social security benefits related to national occupational schemes;
31. poziva Komisijo, naj pred revizijo direktive IORP opravi oceno učinka in upošteva trend povečevanja števila sistemov z določenimi prispevki in zmanjševanja števila sistemov z določenimi pravicami;
Calls on the Commission to carry out an impact assessment before revising the IORP Directive and to take account of the trend towards more defined-contribution schemes and fewer defined-benefit schemes;
KAPITALSKE ZAHTEVE
CAPITAL REQUIREMENTS
46. meni, da bi morali pokojninski skladi v upravne odbore vključiti predstavnike socialnih partnerjev in upravičencev skladov, da bi se tako povečala preglednost in odgovornost;
Believes that, in order to increase transparency and accountability, pension funds should include on their management boards representatives of the social partners and of the fund beneficiaries;
49. poudarja, da so vprašanja o režimu kapitalskih zahtev za pokojninske sklade tesno povezana z ustrezno rešitvijo vprašanj, povezanih s členom 8 direktive o plačilni nesposobnosti;
Stresses that addressing the questions related to a capital requirements regime for pension funds is closely linked to adequate resolution of the issues concerning Article 8 of the Insolvency Directive;
52. ugotavlja, da je v mnogih državah članicah v drugem in tretjem stebru zelo velika izbira; poudarja, da je izbira glede pokojnine za delavce in zasebnike zelo zapletena; meni, da bi morale biti na voljo standardne možnosti in ustrezne informacije o razlikah med privzeto možnostjo in drugimi;
Notes that, in many Member States, there is huge choice in the second and third pillars; emphasises that pension choice is very complex for employees and private individuals; is of the opinion that default options should be available and that adequate information must be available concerning the differences between the default option and the alternatives;
Burkhard Balz, Sharon Bowles, Udo Bullmann, Pascal Canfin, Huntis Nikolaos (Nikolaos Chountis), George Sabin Cutaş, Rachida Dati, Leonardo Domenici, Derk Jan Eppink, Diogo Feio, Markus Ferber, Elisa Ferreira, Vicky Ford, Ildikó Gáll-Pelcz, José Manuel García-Margallo y Marfil, Jean-Paul Gauzès, Sven Giegold, Sylvie Goulard, Liem Hoang Ngoc, Gunnar Hökmark, Othmar Karas, Wolf Klinz, Jürgen Klute, Philippe Lamberts, Werner Langen, Astrid Lulling, Hans-Peter Martin, Arlene McCarthy, Sławomir Witold Nitras, Ivari Padar, Ani Podimata (Anni Podimata), Antolín Sánchez Presedo, Olle Schmidt, Edward Scicluna, Peter Simon, Peter Skinner, Theodor Dumitru Stolojan, Ivo Strejček, Kay Swinburne, Ramon Tremosa i Balcells
Burkhard Balz, Sharon Bowles, Udo Bullmann, Pascal Canfin, Nikolaos Chountis, George Sabin Cutaş, Rachida Dati, Leonardo Domenici, Derk Jan Eppink, Diogo Feio, Markus Ferber, Elisa Ferreira, Vicky Ford, Ildikó Gáll-Pelcz, José Manuel García-Margallo y Marfil, Jean-Paul Gauzès, Sven Giegold, Sylvie Goulard, Liem Hoang Ngoc, Gunnar Hökmark, Othmar Karas, Wolf Klinz, Jürgen Klute, Philippe Lamberts, Werner Langen, Astrid Lulling, Hans-Peter Martin, Arlene McCarthy, Sławomir Witold Nitras, Ivari Padar, Anni Podimata, Antolín Sánchez Presedo, Olle Schmidt, Edward Scicluna, Peter Simon, Peter Skinner, Theodor Dumitru Stolojan, Ivo Strejček, Kay Swinburne, Ramon Tremosa i Balcells
o zeleni knjigi za ustrezne, vzdržne in varne evropske pokojninske sisteme
on ‘Towards adequate, sustainable and safe European pension systems’
Pripravljavec mnenja: Cornelis de Jong
Rapporteur: Cornelis de Jong
Odbor za notranji trg in varstvo potrošnikov poziva Odbor za zaposlovanje in socialne zadeve kot pristojni odbor, naj v svoj predlog resolucije vključi naslednje pobude:
The Committee on the Internal Market and Consumer Protection calls on the Committee on Employment and Social Affairs, as the committee responsible, to incorporate the following suggestions in its motion for a resolution:
1. poudarja, da morajo biti pokojninski sistemi univerzalni, ustrezni in vzdržni, zagotavljati dostojne pokojninske pravice in ustrezne ravni pokojnin za vse ter upoštevati raznolikost poklicnih okoliščin in poti;
Stresses that pensions have to be universal, adequate and sustainable, guaranteeing decent pension entitlements and levels for all, and have to take account of the diversity of professional circumstances and careers;
3. ugotavlja, da sistem sprotnega prispevnega kritja ostaja glavni steber pokojninskega zavarovanja za delavce kljub različnim sistemom financiranja pokojninskega zavarovanja v državah članicah;
Asserts that, despite the differences between Member States as to the funding of pension insurance systems, contributory and redistributive schemes remain the main pillar for workers’ pension insurance;
5. opominja, da imajo posamezne države članice različne tradicije, gospodarske in demografske razmere ali celo posebnosti trga dela ter da je treba spoštovati načelo subsidiarnosti in solidarnosti, v skladu s katerima države članice ohranjajo polno odgovornost za ureditev svojega pokojninskega sistema;
Points out that traditions, economic and demographic situations and specific labour market features differ from Member State to Member State and that the principles of subsidiarity and solidarity, under which Member States retain full responsibility for the organisational set-up of their pension systems, have to be respected;
10. ugotavlja, da je še vedno veliko pokojninskih sistemov, ki niso pregledni glede prispevkov in pričakovanih zneskov pokojnin, tako (kjer to drži) v fazi pred sklenitvijo pogodbe kot po sklenitvi dogovora; poudarja, da je to pomanjkanje preglednosti problematično zlasti v primeru zasebnih pokojninskih sistemov, v katerih morajo državljani imeti zanesljive in natančne informacije o tveganjih, zadevnih stroških in pričakovanih zneskih pokojnin;
Notes that many pension systems still lack transparency concerning amounts and expected pension levels, where applicable both at a pre-contractual stage and when the pension agreement is concluded; stresses that this lack of transparency is particularly problematic in the case of private pension schemes, in connection with which citizens must have reliable information available to them as to the risks incurred, relevant costs and expected pension level;
11 spodbuja države članice, naj vprašanja preglednosti v zvezi s pokojninami rešujejo s pristopom najboljše prakse; zahteva učinkovito zakonsko ureditev in nadzor pokojninskih sistemov, pri čemer je treba uporabiti tudi odprto metodo usklajevanja, da se zagotovi varovanje pravic in interesov državljanov, saj je velik delež državljanov za svoje preživljanje močno odvisen od svojega pokojninskega sistema;
11 Urges the Member States to overcome transparency issues regarding pensions by taking a ‘best practices’ approach; asks for effective regulation and supervision of pension schemes while also taking into account the Open Method of Coordination, which is needed to ascertain that citizens’ rights and interests are safeguarded, given that a large percentage of citizens are highly dependent on pension schemes for their livelihood;
16. pozdravlja uvedbo nacionalnih sistemov sledenja za pokojninske pravice iz različnih virov v vseh državah članicah, ter poziva Komisijo, naj pripravi predloge za evropski sistem sledenja;
Welcomes the establishment of national tracing systems for pension rights from different sources in all Member States, and calls upon the Commission to submit proposals for a European tracing system;
19. poudarja, da bi bilo za uresničitev pričakovanj državljanov glede notranjega trga Unije najbolje, da bi bile v EU vse pokojninske pravice prenosljive; opominja, da je sedaj prenosljivost zakonsko predpisanih pokojnin določena v evropski zakonodaji, vendar jo je treba izboljšati, in da še nič ni storjeno v zvezi z drugim stebrom;
Emphasises that to meet citizens’ expectations as regards the Union’s internal market, ideally all pension rights should be portable within the EU; points out that, currently, the portability of statutory pensions is established in European law, but needs to be improved, and that nothing has yet been done with regard to the second pillar;
22. zato meni, da je treba, če je v največjo korist Evropske unije in držav članic, da povečajo mobilnost delavcev, odstraniti ovire za notranjo in čezmejno mobilnost ter obravnavati vprašanja, kot so pomanjkanje prenosljivosti, dolga doba za pridobitev pravic, ohranjanje mirujočih pravic, nenazadovanje in razlike v davčni obravnavi ter zavarovalno-tehničnih načelih;
Considers therefore that, as it is in the best interests of the European Union and the Member States to increase workers’ mobility, obstacles to internal and cross-border mobility must be removed and issues such as lack of transferability, long vesting periods, preservation of dormant rights, non-regression and differences in tax treatment and actuarial principles must be addressed;
24. priznava, da še vedno obstajajo ovire za čezmejne sisteme individualnih pokojninskih zavarovanj (tretji steber), kot so čezmejna življenjska zavarovanja; poziva Komisijo, naj pripravi predloge za odpravo teh ovir in splošni okvir za ureditev teh dejavnosti.
Acknowledges that for (third-pillar) individual pension insurance schemes being offered across borders, such as life insurance policies, obstacles remain; requests suggestions from the Commission as to how these might be overcome, as well as a framework for regulating these activities.
Pablo Arias Echeverría, Cristian Silviu Buşoi, Lara Comi, Anna Maria Corazza Bildt, António Fernando Correia De Campos, Jürgen Creutzmann, Christian Engström, Evelyne Gebhardt, Louis Grech, Małgorzata Handzlik, Malcolm Harbour, Iliana Ivanova Sandra Kalniete, Eija-Riitta Korhola, Edvard Kožušník, Kurt Lechner, Toine Manders, Hans-Peter Mayer, Gianni Pittella, Mitro Repo, Zuzana Roithová, Heide Rühle, Matteo Salvini, Christel Schaldemose, Andreas Schwab, Laurence J.A.J. Stassen, Catherine Stihler, Róża, grofica Thun Und Hohenstein (Róża Gräfin von Thun und Hohenstein), Kiriakos Triantafilidis (Kyriacos Triantaphyllides), Emilie Turunen, Bernadette Vergnaud, Barbara Weiler
Pablo Arias Echeverría, Cristian Silviu Buşoi, Lara Comi, Anna Maria Corazza Bildt, António Fernando Correia De Campos, Jürgen Creutzmann, Christian Engström, Evelyne Gebhardt, Louis Grech, Małgorzata Handzlik, Malcolm Harbour, Iliana Ivanova, Sandra Kalniete, Eija-Riitta Korhola, Edvard Kožušník, Kurt Lechner, Toine Manders, Hans-Peter Mayer, Gianni Pittella, Mitro Repo, Zuzana Roithová, Heide Rühle, Matteo Salvini, Christel Schaldemose, Andreas Schwab, Laurence J.A.J. Stassen, Catherine Stihler, Róża Gräfin von Thun und Hohenstein, Kyriacos Triantaphyllides, Emilie Turunen, Bernadette Vergnaud, Barbara Weiler
Cornelis de Jong, Frank Engel, Ashley Fox, Liem Hoang Ngoc, Morten Løkkegaard, Konstantinos Pupakis (Konstantinos Poupakis)
Cornelis de Jong, Frank Engel, Ashley Fox, Liem Hoang Ngoc, Morten Løkkegaard, Konstantinos Poupakis
o Zeleni knjigi za ustrezne, vzdržne in varne evropske pokojninske sisteme
on Towards adequate, sustainable and safe European pension systems
– ob upoštevanju sklepa Evropskega sveta v Laeknu leta 2001 o skupnih ciljih za pokojnine, v katerem je poudarjeno, da morajo ti biti ustrezni, vzdržni in prilagodljivi,
– having regard to the 2001 Laeken European Council decision on common objectives for pensions emphasising the need to make them adequate, sustainable and adaptable,
– ob upoštevanju Zelene knjige: Za ustrezne, vzdržne in varne evropske pokojninske sisteme,
– having regard to the Green Paper: Towards adequate, sustainable and safe European pension systems,
A. ker izračuni pokojnin temeljijo na zagotovljenih plačah in delovnem obdobju ter ker obstajajo znatne neugodnosti za ženske pri znesku, prejetem ob upokojitvi, zaradi prekinitev dela in pogosto neprostovoljnega dela s krajšim delovnim časom ter različnega plačila glede na spol, kar ovira zagotovitev potrebnih pravic in prihrankov za zagotavljanje varnosti v starosti; ker to vpliva na njihov zaslužek v celotni življenjski dobi, socialno varnost in pokojnino, kar pa povečuje stopnjo tveganja revščine, predvsem po upokojitvi,
A. whereas pension calculations are based on insured salaries and on work period and whereas there is a significant disadvantage for women in the retirement amount received due to work interruptions and often involuntary part-time work on one side and the gender pay gap, hindering the necessary rights and savings to enjoy security in the old age, whereas this leads to repercussions on their lifetime earnings, social security protection and pensions, resulting in higher at-risk-of-poverty rates, especially once in retirement,
B. ker so države članice pristojne za pokojnine in je treba spoštovati njihovo pristojnost na tem področju,
B. whereas the Member States are responsible for pensions and whereas their competence in this field should be respected,
C. ker bi morala družba priznati delo oseb, ki svoj čas posvečajo vzgoji otrok ali skrbijo za starejše osebe, in ker bi lahko to dosegli tako, da bi jim zagotovili pravice, zlasti pokojninske,
C. whereas people who devote their time and skills to bringing up children or caring for the elderly should receive social recognition and whereas this could be done by giving such persons individual rights, particularly regarding pensions,
D. ker je enakost med ženskami in moškimi v Uniji vrednota, cilj in temeljna pravica, institucije EU pa morajo enakost med spoloma vključiti v svoje delovanje,
D. whereas equality between women and men is a value, an objective and a fundamental right in the Union and EU institutions have the duty to include gender equality in all their actions,
E. ker se ženske v Evropski uniji pri različnih vidikih, povezanih s pokojnino, soočajo z neposredno in posredno diskriminacijo,
E. whereas women face direct and indirect discrimination in different pensions-related aspects the European Union,
F. ker predviden učinek pokojninskih reform ponavadi temelji na profilu moškega s povprečno plačo, ki je zaposlen za polni delovni čas in ima polno delovno dobo, in ker aktuarske tabele glede na spol negativno vplivajo na izračun pokojnin za ženske in jim zagotavljajo nižjo nadomestitveno stopnjo,
F. whereas the projected impact of pension reforms is usually based on a male, full-time, full career, average earner profile and actuarial gender-based life tables have a negative impact on women pension calculations and provide a lower replacement rate for women,
G. ker ženske pogosteje prekinejo svojo poklicno pot za varstvo otrok, vzdrževanih oseb oziroma bolnih ali starejših članov družine in ker pogosteje kot moški prekinejo ali celo prenehajo opravljati poklicno dejavnost ali delajo s skrajšanim delovnim časom, da bi se posvetile družinskim obveznostim,
G. whereas, during their career, women are more often interrupting their career to take care of children, dependent persons or ill or elderly family members and tend to interrupt their work or to work part-time more often than men in order to devote themselves to their family obligations,
H. ker upokojencem grozi obubožanje, pri čemer so starejše ženske ena izmed skupin, ki so najbolj izpostavljene revščini; ker je bila leta 2007 stopnja tveganja revščine višja za ženske (17 %) kot za moške (15 %), vrzel pa je posebej velika pri starejših osebah (22 % žensk in 17 % moških) in samohranilcih (34 %),
H. whereas retired people are at risk of pauperisation and whereas elderly women are one of the most vulnerable groups at risk of poverty, whereas in 2007, the at-risk-of-poverty rate was higher for women (17%) than men (15%) and this gap was especially high for older persons (22% for women compared to 17% for men) and single parents (34%),
I. ker so skrbniki na domu še vedno diskriminirani glede upoštevanja njihove delovne dobe pri pokojnini in drugih pravicah,
I. whereas home caregivers remain discriminated against in terms of the failure to count their years of work towards pensions and other entitlements,
J. ker so starejše ženske še posebej ogrožene, kadar njihova pravica do pokojnine izhaja iz njihovega zakonskega stanu (zakonske pravice ali pravice preživelih oseb) in kadar nimajo ustreznih pokojninskih pravic zaradi prekinitev poklicne poti,
J. whereas older women are in a particularly precarious position when their right to a pension income is derived from their marital status (spousal or survivor benefits) and when they do not have adequate pension rights of their own due to career breaks,
K. ker je bila enakost pokojnin moških in žensk, tudi glede upokojitvene starosti, določena kot cilj in ker obstaja razlika med moškimi in ženskami kot nadaljevanje in posledica stalne razlike v plačilu glede na spol, ki je trenutno povprečno 18-odstotno v EU in do 30,3-odstotno v nekaterih državah članicah, kar povzroča neenakost na trgu dela in tveganje revščine v starosti,
K. whereas equality in male and female pensions, including as regards the retirement age, has been set as a goal and whereas there is a pension gap between women and men as a continuation and consequence of the persisting gender pay gap, which is currently 18% on average in the EU and up to 30.3% in some Member States, leading to inequalities in the labour market and risk for poverty at older age,
L. ker je bila v večini evropskih sistemov zakonsko določena upokojitvena starost povišana ali še bo, med drugim na podlagi pričakovane življenjske dobe,
L. whereas most European systems have raised the legal retirement age, or are preparing to do so, based inter alia on life expectancy,
M. ker starejši ljudje težko najdejo svoje mesto na trgu dela in so navadno prvi odpuščeni, ko pa se to zgodi, ne morejo več prispevati k ustrezni pokojnini,
M. whereas elderly people have difficulties in finding their place in labour market and often are first to be made redundant and when laid off, they do not have the possibility to contribute to an adequate pension,
N. ker večina držav članic predlaga, da bi vedno večjo vlogo imele zasebne pokojninske sheme, s čimer bi zagotovili ustrezno nadomestitveno stopnjo, kar pomeni, da je treba obravnavati široko paleto neugodnosti, s katerimi se srečujejo ženske pri dostopu do teh shem, kot na primer prekinitve poklicne poti na podlagi spola, neplačane prekinitve delovne dobe ali poklicna segregacija, zaradi katere imajo ženske slabši dostop do kakovostnih poklicnih pokojninskih shem,
N. whereas most Member States propose to rely increasingly on privately funded pension schemes to ensure an adequate replacement rate, which means that the broad spread of disadvantages faced by women in gaining access to these schemes must be tackled - the gender career gap, unpaid carer’s breaks or occupational segregation which result in women having less access to good quality occupational pension schemes,
O. ker ženske pogosto delajo na slabše plačanih delovnih mestih in zato težje varčujejo v pokojninskih shemah,
O. whereas women often work in lower-paid jobs, making it more difficult to save for pension schemes,
3. meni, da bi bilo treba obdobje, v katerem ženske ali moški skrbijo za otroke ali druge odvisne družinske člane, upoštevati kot efektivno obdobje zavarovanja, ki jim daje pravico do pokojnine in se upošteva pri njenem izračunu;
Considers that periods spent by women or men in taking care of children or other dependent family members should be taken into account as effective insured periods counting towards their pension entitlement and for the calculation thereof;
5. poziva države članice, naj v izračun pokojnin vključijo čas in delo, vloženo v skrb za odvisne osebe ne glede na njihovo starost ali stopnjo odvisnosti;
Calls on the Member States to include in the pension calculation the time and investment involved in looking after dependents, whatever their age or degree of dependency;