{"id":310,"date":"2019-03-19T19:28:36","date_gmt":"2019-03-19T18:28:36","guid":{"rendered":"http:\/\/loanstar.com\/dk\/?p=310"},"modified":"2019-05-16T13:15:33","modified_gmt":"2019-05-16T11:15:33","slug":"arbejdsmarkedspensioner","status":"publish","type":"post","link":"https:\/\/loanstar.com\/dk\/arbejdsmarkedspensioner\/","title":{"rendered":"Arbejdsmarkedspensioner"},"content":{"rendered":"<h1 class=\"p1\"><b>Arbejdsmarkedspensioner:<\/b><\/h1>\n<p class=\"p3\">En arbejdsmarkedspension er pensionsordning, der er knyttet til og oprettes i forbindelse med dine<span class=\"Apple-converted-space\">\u00a0 <\/span>ans\u00e6ttelsesforhold. Arbejdsmarkedspensionen udg\u00f8r 1 af tre typer af pensionsordninger sammen med <a href=\"http:\/\/loanstar.com\/dk\/private-pensionsordninger\/\">private pensionsordninger<\/a> og folkepensionen. Ordningen best\u00e5r ofte i at arbejdstageren og arbejdsgiveren begge indbetaler et bidrag til en pensionskasse \u2013 og er ikke, som de private pensionsordninger, noget du finder i dit pengeinstitut (<a href=\"http:\/\/loanstar.com\/dk\/selskab\/alm-brand\/\">Alm. Brand<\/a>, <a href=\"http:\/\/loanstar.com\/dk\/selskab\/jyske-bank\/\">Jyske Bank<\/a> osv.). Arbejdsmarkedspensionen kommer oveni folkepensionen og <a href=\"https:\/\/www.atp.dk\/\">ATP<\/a>.<\/p>\n<p class=\"p3\">Der findes tre slags arbejdsmarkedspensioner:<\/p>\n<ul>\n<li class=\"p3\"><strong>Overenskomstbaserede pensioner<\/strong><\/li>\n<li class=\"p3\"><strong>Firmapensioner<\/strong><\/li>\n<li class=\"p3\"><strong>Tjenestemandspensioner<\/strong><\/li>\n<\/ul>\n<h2 class=\"p3\">Overenskomstbaserede pensioner<\/h2>\n<p class=\"p3\"><img decoding=\"async\" loading=\"lazy\" class=\"size-medium wp-image-359 alignleft\" src=\"http:\/\/loanstar.com\/dk\/wp-content\/uploads\/sites\/13\/2019\/03\/hands-300x199.jpg\" alt=\"Overenskomstbaserede pensioner er blandt arbejdsmarkedspensionerne\" width=\"300\" height=\"199\" srcset=\"https:\/\/loanstar.com\/dk\/wp-content\/uploads\/sites\/13\/2019\/03\/hands-300x199.jpg 300w, https:\/\/loanstar.com\/dk\/wp-content\/uploads\/sites\/13\/2019\/03\/hands-768x510.jpg 768w, https:\/\/loanstar.com\/dk\/wp-content\/uploads\/sites\/13\/2019\/03\/hands-196x130.jpg 196w, https:\/\/loanstar.com\/dk\/wp-content\/uploads\/sites\/13\/2019\/03\/hands-392x260.jpg 392w, https:\/\/loanstar.com\/dk\/wp-content\/uploads\/sites\/13\/2019\/03\/hands-152x101.jpg 152w, https:\/\/loanstar.com\/dk\/wp-content\/uploads\/sites\/13\/2019\/03\/hands-304x202.jpg 304w, https:\/\/loanstar.com\/dk\/wp-content\/uploads\/sites\/13\/2019\/03\/hands-165x109.jpg 165w, https:\/\/loanstar.com\/dk\/wp-content\/uploads\/sites\/13\/2019\/03\/hands-151x100.jpg 151w, https:\/\/loanstar.com\/dk\/wp-content\/uploads\/sites\/13\/2019\/03\/hands-168x111.jpg 168w, https:\/\/loanstar.com\/dk\/wp-content\/uploads\/sites\/13\/2019\/03\/hands.jpg 960w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>Langt de fleste arbejdsmarkedspensioner er af denne slags. En overenskomstbaseret pensionsordning g\u00e6lder som oftest for en gruppe af l\u00f8nmodtagere, der har samme uddannelsem\u00e6ssige baggrund eller driver det samme erhverv. L\u00f8nmodtagerorganisationerne og arbejdsgiverne bliver enige om ens overenskomst, der g\u00e6lder for alle ansatte i den specifikke l\u00f8nmodtagergruppe, og bestemmer henholdsvis l\u00f8n og pension.<\/p>\n<h2 class=\"p3\">Firmapensioner<\/h2>\n<p class=\"p3\">Denne pensionsordning g\u00e5r ikke p\u00e5 tv\u00e6rs af en l\u00f8nmodtagergruppe men g\u00f8r sig derimod g\u00e6ldende for alle ansatte i en virksomhed. Det tilfalder den arbejdsgiveren at v\u00e6lge, hvilket pensionsselskab, der skal st\u00e5 for ordningen. Aftalen, der ligger til grund for pensionen, indg\u00e5s mellem arbejdsgiveren og arbejdstagerne og involverer s\u00e5ledes <i>ikke<\/i> en l\u00f8nmodtagerorganisation.<\/p>\n<h2 class=\"p3\">Tjenestemandspensioner<\/h2>\n<p class=\"p3\">Denne type pensionsordning g\u00e6lder for tjenestem\u00e6nd og baseres p\u00e5 tjenestemandens ans\u00e6ttelsesforhold og finansieret gennem finansloven. Udbetalingsbel\u00f8bet afh\u00e6nger af, hvor lang tid man har fungeret som tjenestemand. Jo l\u00e6ngere du har v\u00e6ret tjenestemand, desto st\u00f8rre ret har du til pensionen.<\/p>\n<p>Foruden din folkepension har du m\u00e5ske en arbejdsmarkedspension. Med arbejdsmarkedspensioner bliver livet efter tiden p\u00e5 arbejdsmarkedet lidt s\u00f8dere. Langt de f\u00e6rreste danskere stopper her og stiller sig tilfreds med en eller flere af de pensionsydelser, vi hidtil har kigget p\u00e5.<\/p>\n<p>Men der er ogs\u00e5 dem, der v\u00e6lger at lave en privat pensionsordning. Og g\u00f8r man det rigtigt \u2013 og det er helt afg\u00f8rende \u2013 g\u00f8r s\u00e5dan en ordning kun alderdommen endnu s\u00f8dere; men man skal stadig t\u00e6nke sig om og grundigt unders\u00f8ge, hvilken privat pension, man skal tegne, for der er nogle privat pensioner, der p\u00e5virker folkepensionen.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Anden del af vores serie af artikler om pensionsordninger behandler arbejdsmarkedspensionerne. Her redeg\u00f8res for de forskellige typer af arbejdsmarkedspensioner.<\/p>\n","protected":false},"author":11,"featured_media":358,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Arbejdsmarkedspension | Pensioninfo. 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