Implementação aberta
Autor | Wladimir Novaes Martinez |
Ocupação do Autor | Advogado especialista em Direito Previdenciário |
Páginas | 165-165 |
Page 165
A despeito da existência dos benefícios do RPPS, potenciais ou efetivados, sem falar na previdência social fechada pública, nada obsta que o servidor desfrute das prestações de uma entidade de previdência aberta.
Trata-se de um benefício previdenciário particular, do tipo por tempo de contribuição, que admite cobertura securitária supletiva como qualquer outra.
O plano de benefícios das entidades abertas tem por escopo prestações que aduzam o valor dos direitos propiciados pelo RGPS ou por um RPPS (LC n. 109/01).
De regra, os principais benefícios programados que podem propiciar acréscimo pecuniário são a aposentadoria por idade, a aposentadoria por tempo de contribuição, do professor e também da pessoa com deiciência (LC n. 142/13).
No comum dos casos, se o ente federado tem uma estrutura produtiva em que presente os agentes nocivos e subsistir interesse do servidor de implementar a concessão de uma aposentadoria especial particular poderá obter esse direito via complementação aberta.
Em face do período contributivo, um dos aspectos particulares do custeio dessa implementação é o seu alto custo. Ela poderia ser chamada de mau risco ao ser comparada com as outras prestações programadas.
A determinação do quantum da contribuição é atribuição do matemático assistente do plano de benefícios da companhia seguradora. Em face do risco ambiental estudado ele estabelecerá a alíquota adequada do prêmio.
Vale lembrar que a mesma prestação do RGPS não é inanciada tão somente com os percentuais da Lei n. 9.732/98. Esse aporte iscal surgido em 1°.4.99 é um adicional da contribuição prevista no art. 28 do PCSS.
Evidentemente o elaborador dessa modalidade de verdadeiro seguro privado terá de permitir a importação de institutos técnicos do RGPS e dos...
Para continuar a ler
PEÇA SUA AVALIAÇÃO- Servidor público: Transposição
- Previdência privada
- Previdência fechada
- Implementação aberta
- Seguro privado
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