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From this point of view a freedom in choosing, given insured, Provides not only the reference to this or that it or the insurance company (That provides an effective competition), but also choice possibility Pension mode. Insured can or incur responsibility for

The personal account fund (the programmed removal from the bill) or to pass it

The right of one of the insurance companies, having lost thus possibility To dispose of the fund (life annuity). The variant is provided also, At which the insured selects certain term, during which it Would like to reserve the right to dispose of fund, having passed after

This term risk of an estimation of life expectancy of the insurance company (the time

The rent with the delayed life annuity). At last, as the law Provides that the insured has the right to bring voluntary on the The bill the additional payments exceeding the obligatory established rate, Or to have accumulation on the additional savings bill, the rest with Which it can transfer into account individual capitalisation, is created Such position at which, since the certain minimum, everyone is free To define the sum of the pension.

Thus, the new pension system gives to the insured Possibility to play conducting, instead of a passive role.

_4. The right to a preschedule retirement _

Though in the law it is said that the old-age pension is received by the men who have reached

Age of 65 years, and women - 60 years, are switched on in it the positions allowing

Insured ahead of schedule to receive old-age pensions. A necessary condition

Consists in that the funds which have been saved up on the personal account, granted it the right on

The old-age pension reception, which size would make not less than 50 %

Years and simultaneously would be not less than 110 % of the minimum pension. For these purposes

"The recognition Check" (the basic or additional), as can be used The law allows insured to pass the rights of the insurance company on To the choice when they stop on one of kinds The life annuity (immediate or delayed). The Same right at Intermediary it can be passed another physical or legal To the person.

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