4
INSURED INSURED PERSONPERSON
INSURED INSURED PERSONPERSON
REFORMED SYSTEM (princeples)REFORMED SYSTEM (princeples)
GENERATIONSOLIDARITY
COMPULSORY COMPULSORY CAPITALIZEDCAPITALIZED
SAVINGSAVING
COMPULSORY COMPULSORY CAPITALIZEDCAPITALIZED
SAVINGSAVING
5 %5 %
14,5 %14,5 %
VOLUNTARY VOLUNTARY CAPITALIZED CAPITALIZED
SAVINGSAVING
PENSIONSPENSIONSPENSIONSPENSIONS
5
PENSIONSPENSIONS
REFORMED SYSTEM (in practice)REFORMED SYSTEM (in practice)
REGOSREGOS(transient account)(transient account)
REGOSREGOS(transient account)(transient account)
OMFOMFOMFOMF
HZMOHZMO(State treasury)(State treasury)
HZMOHZMO(State treasury)(State treasury)
PENSION INSURANCE COMPANY
CONTRIBUTIONS CONTRIBUTIONS OF INSURED OF INSURED
PERSONSPERSONS
CONTRIBUTIONS CONTRIBUTIONS OF INSURED OF INSURED
PERSONSPERSONS14,5
%
14,5 % 5 %5 %
PENSIONSPENSIONS
6
CONTRIBUTIONS FOR THE INSURED (UP CONTRIBUTIONS FOR THE INSURED (UP TO 40 YEARS OF AGE)TO 40 YEARS OF AGE)
GROSS SALARYGROSS SALARY
CONTRIBUTIONS FOR CONTRIBUTIONS FOR THE PENSION INSURANCETHE PENSION INSURANCE
19,5 %19,5 %
14,5 %14,5 %
5%5%
I. PILLARI. PILLAR
II. PILLARII. PILLAR
7
UP TO JUNE 30th
2002
VOLUNTARY INTO COMPULSORY PENSION
INSURANCE
DEADLINEDEADLINE
INSURED UP TO 40
YEARS OF AGE
UP TO MARCH31st 2002
BY FORCE OF LAW IN COMPULSORY PENSION
INSURANCE
INSURED BETWEEN 40 AND 50
YEARS OF AGE
9
TASKSTASKS
registration of insured persons in compulsory pension fund and recording of
personal accounts for fund members
collection of contributions and monthly documentation from employers about
contribution payments for II pillar pension insurance
execution of order for contribution transfer, account transfer and assets
transfer
10
TASKSTASKS
control of contribution payment for II pillar pension insurance
(request for compulsory payment)
reporting to fund members about state on their personal account
reporting to pension company about structure of their members
11
STRATEGIESSTRATEGIES
maximum usage of available resources in Republic of Croatia
usage of up-to-date information technology in REGOS
12
ACCOMPLISHMENT OF ACCOMPLISHMENT OF TASKSTASKS
creation of necessary databases relaying to environment
free choice of compulsory pension fund
form and roll personal accounts of insured persons
13
ACCOMPLISHMENT OF ACCOMPLISHMENT OF TASKSTASKS
insured expert-technical support for HAGENA
insured effective flow of data between related subjects in system
insured top protection and privacy of information
15
BUSINESS ENVIRONMENTBUSINESS ENVIRONMENT
REGOSZAPGZAOP
INSURED PERSONS AND PUBLIC
HZMO,HZZO, MFPU,MRSS,HZZ
PERSONS UNDER PAYMENT OBLIGATION AND OMF
HAGENAHAGENA
16
BUSINESS PROCESSESBUSINESS PROCESSES
1. Creation and maintenance of basic and support databases
2. Acceptance of registration forms and change of compulsory pension
fund
17
HZZO
CREATION OF BASESCREATION OF BASES
REGOSREGOSREGOSREGOS
MINISTRY OF INTERNAL
AFFAIRSData for start-up Base of candidates and matching up with other sourcesData for start-up Base of candidates and matching up with other sources
HZMO
Matching data of insured persons and contributors Matching data of insured persons and contributors
TAX ADMINISTRATION
HAGENAData about OMFData about OMF
18
REGISTRATION OF REGISTRATION OF INSURED PERSONSINSURED PERSONS
REGOSBASE
Insured personsPersons under
obligationOMF
FUNDI
FUNDII
FUNDIII
20
REGISTRATION FORM REGISTRATION FORM (JMBG) (JMBG)
1305968330135Personal identification number of insured
person:
21 13.4423.10.2001,
Unos-R-PFPRIJAVA OSIGURANIKA U FOND
Z@P Službenik 237
JMBG osiguranika : 1305968330135
Ime i Prezime :
Adresa stanovanja :
Naziv obveznog mirovinskog fonda :
Naziv (ime i prezime i adresa) obveznika uplate doprinosa :
MB/JMBG obveznika uplate doprinosa :
Naziv prethodnog obveznog mirovinskog fonda :
IVO IVIĆ
ZAGREB, ILICA 117
Osnova osiguranja :
Način pisanog izvještćivanja o stanju na
osobnom računu :
Adresa dostave pisane informacije :
AM - INTERNATIONAL
2409963330134
NESAMOSTALNI RAD
Slanje na adresu stanovanja (3)Slanje na drugu adresu (10)Slanje na E-mail adresu (10)Ne želim pisanu informaciju
768923Broj :
Regos
HRVATSKI FOND
JESENJI FOND
HRVATSKI FOND
PROLJETNI FOND
ZIMSKI FOND
LJETNI FOND
22
REGISTRATION FORMREGISTRATION FORMOBRAZAC R-PF
BROJ _____(otisnut)
PRIJAVA OSIGURANIKA U OBVEZNI MIROVINSKI FOND
1.
JMBG
1305968330135
2.
IME I PREZIME
IVO IVIĆ
3.
ADRESA STANOVANJA (poštanski broj, mjesto, ulica i kućni broj)
ILICA 117
4.
NAZIV OBVEZNOG MIROVINSKOG FONDA
HRVATSKI FOND
5.
NAZIV PRETHODNOG OBVEZNOG MIROVINSKOG FONDA
6.
NAZIV / IME I PREZIME i ADRESA obveznika uplate doprinosa
AM-INTERNATIONAL
7.
MB/JMBG obveznika uplate doprinosa
1234567
8.
OSNOVA OSIGURANJA
RAD KOD POSLODAVCA
9.
NAČIN PISANOG IZVJEŠĆIVANJA O STANJU NA OSOBNOM RAČUNU (zaokružiti jednu od slovnih oznaka ispred ponuđenih načina)
a) slanje na adresu stanovanja (u rubrici 3.) b) slanje na drugu adresu (u rubrici 10.) c) slanje na E-MAIL adresu (u rubrici 10.) d) ne želim pisanu informaciju
10.
ADRESA DOSTAVE PISANE INFORMACIJE (poštanski broj, mjesto, ulica i kućni broj ili E-MAIL adresa)
______________________________
(POTPIS OSIGURANIKA) DATUM PRIJAVE : ________________ POTPIS I OVJERA SLUŽBENE OSOBE : ________________
23
BUSINESS PROCESSESBUSINESS PROCESSES
3. Collection of information, their processing and monitoring, and
sending to interested parties4. Transfering paid contributions into
compulsory pension funds and recording of personal accounts for
fund members
24
REGOS(personal accounts)
IIPILLARFUNDS
TRANSIENTREGOS
ACCOUNT
CONTRIBUTORS – PERSONS UNDER
PAYMENT OBLIGATION
CONTRIBUTION RECORDSCONTRIBUTION RECORDS
25
BUSINESS PROCESSESBUSINESS PROCESSES
5. Regular and periodical (upon request) reporting to members of compulsory
funds, and to other interested subjects, with respect to principle of information
secrecy6. Realization of pension right
26
REPORTINGREPORTING
REGOSREGOSREGOSREGOSREPORTINGREPORTING
HZMOHZMOMFPUMFPU
HZZOHZZO
HZZHZZFUND FUND
MEMBERSMEMBERS
PUBLICPUBLIC
OMFOMF
GOVERNAMENT GOVERNAMENT OF REPUBLIC OF OF REPUBLIC OF
CROATIACROATIA
HAGENAHAGENA
EMPLOYERSEMPLOYERS
27
PENSION
INSURANCE COMPANY
PENSION – SECOND PILLARPENSION – SECOND PILLAR
REGOS
IIPILLARFUNDS
INSURED PERSONS
29
TANGIBLE POINTS EMPLOYER - TANGIBLE POINTS EMPLOYER - REGOS REGOS
reporting on membership in compulsory pension funds
(for the insured from 40–50 years of age)
data on contribution per insured person
payment of contribution for 2nd pillar
control of payment and connecting with data
30
REPORTING ON MEMBERSHIP IN REPORTING ON MEMBERSHIP IN THE SECOND PILLARTHE SECOND PILLAR
REGOSREGOS
STICKER (INFORMATION) GIVEN TO THE
EMPLOYER
INSURED INSURED PERSONPERSON
(between (between 40 and 50 40 and 50
years of age)years of age)
31
DATA ON CONTRIBUTION PER DATA ON CONTRIBUTION PER INSURED PERSONINSURED PERSON
Monthly collecting of data through the
form R-S (Specification on the insured)
Way of delivery of the REGOS form:
electronic way
on magnetic media
paper form
32
EXPANDING EXPANDING SCOPE OF ACTIVITIESSCOPE OF ACTIVITIES
Based on Law REGOS scope of activities will be expand:
collection of data about all compulsory contributions, tax and
surtax on income
transfering data to associated institutions
managing function of central accounting
35
CIRCULATINGCIRCULATING SCHEME OF DATA AND PAYMENTS IN SCHEME OF DATA AND PAYMENTS IN THE SYSTEM OF UNIFIED MONTHLY COLLECTIONTHE SYSTEM OF UNIFIED MONTHLY COLLECTION
PERSON UNDER PAYMENT
OBLIGATION
TREASURY
REGOS
OMF
TRANSIENTACCOUNT
HZZO
HZMO
HZZ
4b2
7
8
9
9
9
COMPETENT INSTITUTION
MATCHING
AUTHORIZEDORGANIZATION FOR PP
34
a
5
MFPU
6
1
36
CONTROL OF PAYMENT AND CONTROL OF PAYMENT AND CONNECTING WITH DATACONNECTING WITH DATA
matching data per insured person and joint payments
recording and monitoring contribution payments
submiting request for compulsory payment