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Direcção-Geral da Segurança Social
__________________________________
SUPPLEMENTARY PROTECTION - RETIREMENT CERTIFICATES
SUPPLEMENTARY PROTECTION
According to the Law nº 4/2007, of 16 January – Social Security Basic Law, Supplementary protection System includes:
- a public funded scheme
- supplementary schemes set up on individual and on collective initiative
Supplementary schemes are considered to be important means of social protection and solidarity, achieved through shared social responsibilities. The State should encourage the development of supplementary schemes through appropriate incentives.
PUBLIC FUNDED SCHEME
SUPPLEMENTARY SCHEMES SET UP ON INDIVIDUAL AND ON COLLECTIVE INITIATIVE
Supplementary schemes set up on collective initiative are optional schemes, established on behalf of a designated group of people, and include supplementary professional schemes.
Persons covered:
- Employed persons in a company or groups of companies or other employers belonging to the same profession or trade
- Self-employed persons
These schemes are financed by the employers, without prejudice of the eventual payment of contributions made by employees or self-employed persons.
Supplementary schemes set up on individual initiative are optional schemes, generally taking the form of Retirement Savings Plans, Life Insurances, Capitalization Funds and Mutual Benefits.
Administration
Supplementary schemes management may be responsibility of public entities, cooperative or private, namely mutual associations, created to this purpose, according to the law.
If any doubts arise concerning the granting of invalidity, old-age and death benefits within the scope of a supplementary professional scheme, the management of those benefits should be responsibility of a juridical entity different from the one that has established the scheme.
Creation and Supervision
The creation and changing of supplementary schemes set up on individual and on collective initiative and their linkage with the Insurance Subsystem are defined by law that regulates namely the material scope, the technical and financial conditions of the benefits and the guarantee of the respective rights.
The regulation of the supplementary schemes set up on collective initiative also shall:
- implement the principle of equal treatment between men and women and the juridical protection of the vested rights
- lay down rules on the portability of those rights, the equal treatment between schemes concerning fiscal affairs and the right to information.
The regulation, careful supervision and inspection of the supplementary schemes set up on individual and on collective initiative are carried out by legally defined entities, according to the law, which also foresees safeguard mechanisms to guarantee those schemes.
Law nº 4/2007, of 16 January – Social Security Basic Law
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Supplementary Protection - Retirement certificates
Direcção-Geral da Segurança Social
__________________________________
SUPPLEMENTARY PROTECTION - RETIREMENT CERTIFICATES
SUPPLEMENTARY PROTECTION
According to the Law nº 4/2007, of 16 January – Social Security Basic Law, Supplementary protection System includes:
- a public funded scheme
- supplementary schemes set up on individual and on collective initiative
Supplementary schemes are considered to be important means of social protection and solidarity, achieved through shared social responsibilities. The State should encourage the development of supplementary schemes through appropriate incentives.
PUBLIC FUNDED SCHEME
SUPPLEMENTARY SCHEMES SET UP ON INDIVIDUAL AND ON COLLECTIVE INITIATIVE
Supplementary schemes set up on collective initiative are optional schemes, established on behalf of a designated group of people, and include supplementary professional schemes.
Persons covered:
- Employed persons in a company or groups of companies or other employers belonging to the same profession or trade
- Self-employed persons
These schemes are financed by the employers, without prejudice of the eventual payment of contributions made by employees or self-employed persons.
Supplementary schemes set up on individual initiative are optional schemes, generally taking the form of Retirement Savings Plans, Life Insurances, Capitalization Funds and Mutual Benefits.
Administration
Supplementary schemes management may be responsibility of public entities, cooperative or private, namely mutual associations, created to this purpose, according to the law.
If any doubts arise concerning the granting of invalidity, old-age and death benefits within the scope of a supplementary professional scheme, the management of those benefits should be responsibility of a juridical entity different from the one that has established the scheme.
Creation and Supervision
The creation and changing of supplementary schemes set up on individual and on collective initiative and their linkage with the Insurance Subsystem are defined by law that regulates namely the material scope, the technical and financial conditions of the benefits and the guarantee of the respective rights.
The regulation of the supplementary schemes set up on collective initiative also shall:
- implement the principle of equal treatment between men and women and the juridical protection of the vested rights
- lay down rules on the portability of those rights, the equal treatment between schemes concerning fiscal affairs and the right to information.
The regulation, careful supervision and inspection of the supplementary schemes set up on individual and on collective initiative are carried out by legally defined entities, according to the law, which also foresees safeguard mechanisms to guarantee those schemes.
Law nº 4/2007, of 16 January – Social Security Basic Law
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Rights and Obligations
Social Protection
