Președintele Nicușor Dan a promulgat legea care stabilește modul de plată a pensiilor private, după ce Parlamentul a revizuit actul normativ în urma unei decizii a Curții Constituționale. Noua formă elimină prevederile considerate discriminatorii și definește cadrul complet de funcționare a sistemului.
CITEȘTE TOATĂ REVISTA VIVA DE NOIEMBRIE, GRATIS, AICI
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Cuprins
Legea privind plata pensiilor private a fost promulgată luni, după un parcurs legislativ marcat de intervenția Curții Constituționale. Actul normativ fusese contestat în toamna anului trecut, iar CCR a decis că una dintre prevederi – care permitea retragerea integrală a activului de pensie privată în cazul unor afecțiuni oncologice – încalcă principiul egalității în drepturi, întrucât introducea o diferențiere bazată pe un criteriu subiectiv. În urma deciziei Curții, Parlamentul a reanalizat legea și a eliminat articolul declarat neconstituțional, punând astfel actul normativ în acord cu exigențele constituționale. După această corectare, legea a fost transmisă spre promulgare și a primit semnătura șefului statului, urmând să intre în vigoare.
Nicușor Dan a promulgat legea privind plata pensiilor private, după modificările impuse de CCR
Actul normativ stabilește cadrul legal pentru autorizarea, organizarea, funcționarea, supravegherea și controlul furnizorilor de pensii private, precum și al fondurilor de plată a pensiilor private. Sunt incluse, de asemenea, reglementări privind activitatea instituțiilor de credit care asigură depozitarea și custodia activelor acestor fonduri, precum și a activelor destinate acoperirii provizioanelor tehnice ale furnizorilor.
Legea introduce și reguli privind avizarea auditorilor financiari care efectuează auditul furnizorilor și fondurilor de plată, precum și proceduri de autorizare și control pentru agenții de marketing care activează în domeniul pensiilor private. Prevederile se aplică tuturor entităților implicate în sistem: fonduri de plată, furnizori, agenți de marketing, depozitari, auditori financiari, Fondul de garantare a drepturilor din sistemul de pensii private și administratorii fondurilor de pensii private.
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Cum vor fi plătite pensiile private
Noua lege definește clar mecanismul de plată a pensiilor private și principiile prudențiale care guvernează acest sistem. Plata se va realiza prin intermediul unor fonduri special constituite, denumite fonduri de plată a pensiilor private, administrate de societăți specializate și autorizate de Autoritatea de Supraveghere Financiară.
Sunt stabilite și condițiile minime pentru dobândirea unei pensii private, inclusiv pragul necesar pentru transferul activului personal al participantului către un fond de plată. Conform legii, există două tipuri de fonduri: fondurile de tip retragere programată, care funcționează pe baza unor conturi individuale și oferă pensii pentru o perioadă determinată, și fondurile de pensii viagere, care asigură plata unei pensii pe întreaga durată de viață a beneficiarului sau, după caz, a supraviețuitorului acestuia.
Legea fusese contestată la Curtea Constituțională în octombrie 2025 de Înalta Curte de Casație și Justiție, precum și de parlamentari ai Alianței pentru Unirea Românilor. După admiterea sesizărilor și eliminarea prevederilor neconstituționale, actul normativ a fost promulgat și urmează să producă efecte.
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