Martin Šimák
University of South Bohemia, Faculty of Health and Social Studies, Department of Legal Branches, Management and Economy, České Budějovice, Czech Republic

Korespondenční autor: Martin Šimák (

ISSN 1804-7181 (On-line)

Full verze:
Full version

Submitted:19. 1. 2010
Accepted: 26. 4. 2010
Published online: 11. 6. 2010


The article deals with selected issues of the valid legal regulation of the pension insurance of the Czech Republic, with focus on the security of seniors. Pension insurance is one of the key systems of social security. Its purpose is the material security of persons in old age, on the base of fulfilment of conditions defined by law. It is usual that with increasing age, the persons gradually lose the ability to achieve the work performance they commonly did at a productive age. But as they procure funds to ensure living, housing and other needs by working, such income decreases or disappears with reduced or terminated working activity. The decrease of funds must be compensated. Provision of substitutive income from several sources is optimum. But an indispensable minimum is at least one stable income, typically represented in European circumstances by the old-age pension guaranteed by the state and provided from the system of pension insurance. This system has undergone numerous changes from its inception till the present; the changes are related to a number of factors – particularly to the political and economic situation, but also e.g. to the demographic development in the country. The need of essential changes to the Czech pension system has been discussed for many years. The changes should concern particularly the funding of a system that can soon get into serious problems because of adverse demographic development. The first hints of such problems are emerging already, particularly with regard to the fall of income from the insurance premiums collected for the year 2009. Some so called parametric changes to the system have already been approved and became effective as from 1/1/2010. Therefore the article deals also with the system changes already approved or considered for the future within the reform of pension insurance.

Keywords: pension insurance;senior; old-age pension; reform


1. Loužek M (2008): Důchodová reforma – revoluce nebo evoluce? [The Pension Reform – Revolution or Evolution?] [on-line]. Last updated: 20. 5. 2008. [cit. 2009–03–27]. Available at URL: http://virtually. cz/clanek_tis­k.php3?art=16212 (Czech).

2. Ministerstvo práce a soc. věcí ČR [Ministry of Labour and Social Affairs CR] (2007): Výši své penze budeme moci více ovlivňovat [We Will Be Able to Influence Our Pensions More] [on-line]. Last updated: 17. 10. 2007. [cit. 2009–03–27]. Available at URL: (Czech).

3. Ministerstvo práce a soc. věcí ČR [Ministry of Labour and Social Affairs CR] (2009): Důchodová reforma [The Pension Reform] [on-line]. Last updated: 31. 1. 2009. [cit. 2009–03–27]. Available at URL: http://www.mpsv.vz/cs/cs/4782 (Czech).

4. Molek J (2008): Stát a sociální politika [Government and Social Policy]. AUSPICIA No. 1, Vysoká škola evropských a regionálních studií, České Budějovice, p. 14–17, ISSN 1214–4967 (Czech).

5. Molek J (2009): Marketing sociálních služeb [Marketing in Social Services]. Prague, Research Institute for Labour and Social Affairs, 163 p., ISBN 978–80–7416–026–4 (Czech).

6. Prouza D (2006): Trestný čin neodvedení daně, pojistného na sociální zabezpečení, na zdravotní pojištění a příspěvku na státní politiku zaměstnanosti podle § 147 trestního zákona – poznámky z aplikační praxe [Tax and Levy Crime pursuant to Sec. 147 of the Criminal Law – notes from application practice]. Trestní právo, 7/8:51–61. ISSN 1213–2860 (Czech).

7. Tröster P. a kol. (2005): Právo sociálního zabezpečení [Social Security Law], 3rd ed., Prague, C. H. Beck (Czech).

8. Vopátek J (2008): Vláda schválila důchodovou reformu [Government Consensus on the Pension Reform]. Národní pojištění, 39/5:3–4. ISSN: 0323–2395 (Czech).

9. Vostatek J (2002): Modely pro důchodovou reformu [Models for the Pension Scheme Reform]. [online]. Last updated: 14. 2. 2002. [cit. 2009–04–20]. Available at URL: prednaska.php?ID=91 (Czech).

10. Vostatek J (2009): Penzijní připojištění je bez státních dotací neprodejné [The Private Pension Insurance is Unmarketable without Support by the Government]. In: Fórum sociální politiky, 3/2:23– 27. ISSN 1802–5854 (Czech).

11. Zákon č. 42/1994 Sb., o penzijním připojištění se státním příspěvkem, v platném znění [Act No. 42/1994 Coll., on private pension insurance, as amended] (Czech). 12. Zákon č. 155/1995 Sb., o důchodovém pojištění, v platném znění [Act No. 155/1995 Coll., on pension insurance, as amended] (Czech).

Warning: readfile( [function.readfile]: failed to open stream: HTTP request failed! HTTP/1.1 403 Forbidden in /var/www/journal-of-nursing-social-studies-public-health-and-rehabilitation/templates/templates.php on line 206