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I heard wrong information
His daughter shared on Facebook the situation in which the bank’s client was. Later Delphi She clarified that the woman in 2019, after going to the bank, wanted to stop accumulating her pension so that later, once she reached retirement age, she could withdraw her accumulated pension at the same time. To receive a lump sum pension, you must have accumulated no more than 5,000. EUR.
“Mom saved her pension with Swedbank, she saved about 3,000 euros in a few years. When she went to the bank in 2019, she heard that she had saved this amount, and a bank employee urged her not to withdraw it and to wait another year because she would definitely not save more than 5,000. EUR. Mom quietly waited for him to accumulate a little more, until he was about 4,000. Eur ”, says Carolina.
Last November. The woman reached retirement age and went to Swedbank to withdraw her accumulated pension, but it turned out that she could no longer do so as a lump sum as she had accumulated more than 6 thousand. EUR. Under current provisions, you are entitled to periodic payments until you turn 85.
The bank orders to blame the state
“Now they pay him 23 euros a month until he is 85 years old. The bank said that he could get a new bank card and transfer those euros there. When he turns 85, he will be able to take them all out. The bank does not want to hear anything, he explains that these they are the laws of the state, so we can complain to the state, “says the client’s daughter.
The woman is most outraged by the next 5,000. the bank did not warn of the limit, so the mother did not have the right to choose whether to accumulate more or not.
“A representative from Swedbank gave my mother false information, now the bank says that to blame the state for such a Level II law, the bank does not want to know anything. But the bottom line is that no one has warned about the next 5,000. Why did a person not have the right to choose whether to continue accumulating or withdrawing money? ”, Points out Karolina.
What options do residents have?
In accordance with the Personal Data Protection Regulation, Swedbank does not disclose or comment on the details of specific customer cases. However, Saulius Abraškevičius, a representative of the bank, explains that he has generally reached retirement age and has accumulated more than 5,000. The person has the following options in the amount of EUR: postpone the start of the benefit payment and accumulate it more, receive only a periodic benefit or, if desired, but not mandatory, buy a pension. annuity in Sodra.
A representative of Swedbank explains the first possibility: to receive a benefit from the accumulated funds in the Swedbank pension fund.
“If you choose to receive the benefit, the accumulated funds are paid in one of the following ways. When the accumulated amount is up to 5,000. Eur, it is paid to the accumulator as a lump sum. When the accumulated amount ranges between 5,000. Eur up to 10 thousand. Eur, the accumulated amount is paid in benefit of periodic pension (in installments). When accumulated are 10 thousand. Eur and more, the accumulated amount is paid in the form of pension annuity, that is, the person receives monthly benefits until the end of life ”, he explains.
If the receipt of the accrued cash benefit is not yet relevant, residents can postpone the start of benefit payment.
“In this case, the accumulation continues in the Swedbank pension fund: if 30 days after reaching retirement age, the accumulator has not concluded a pension benefit agreement, the pension fund manager transfers the accumulated assets of the client to Swedbank Asset Preservation Pension Fund free of charge. Funds accumulated in this way are invested more. If you change your mind about postponing benefit payment, you can apply to sign the pension benefit agreement at any time, ”says the bank representative.
Swedbank: the bank warns of opportunities
According to him, the bank informs clients about the possibilities of paying the pension a few months before retirement.
“3 months before retirement age, accumulators in the pension funds of the second pillar of Swedbank receive notifications indicating the possibilities of disbursement of the accumulated amount and other details.
The accumulation of pensions is regulated in detail, so all actions of the bank are based on legal acts. Notices about future benefit options are planned. The Asset Conservation Fund is transferred in accordance with the requirements of the Pension Accumulation Law. Furthermore, the types of benefits are specified in the Pension Accumulation Law, it must be complied with ”, comments S. Abraškevičius.
It is true that it is worth noting that in 2019. During the implementation of the pension accumulation reform, a lower was set at 3 thousand. Eur: the limit up to which the accumulated money is paid in a lump sum. Last April, the Seimas approved amendments to the Pension Accumulation Law, which introduced a new threshold.
The approved amendments to the law stipulate that the property accumulated in a lump sum can be paid if the person has not accumulated more than 5 thousand in the second stage. euros.
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