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2021 m. rugsėjo 26 d., sekmadienis

The main system of protection in old age in Lithuania is social insurance. The second-tier system does not even claim to provide any more significant income in old age and even politicians no longer promise it

 

So why then did the Lithuanian elite create that second-tier system? For Scandinavian banks, so that banks can earn money from our savings:

"If a person gets 600-800 euros from Sodra, 60 euros from the second tier, 67 euros from an annuity, then it is known that that annuity is insignificant. There could be much more flexibility here. Many people are now unhappy that they are not given the full amount, especially in certain cases where a person is ill and needs money now instead of distributing it over a long period of time - Why is there such a practice? "This is simply a political decision made for them by bureaucrats and various stakeholders that pension system is structured in such a way that old age it is not significant,  it is a consideration only of business, profits, customers.

It is therefore difficult to find a clear explanation as to why this makes sense for us. This is a business area, which is carried out by subsidiaries of three banks. 

For customers, meanwhile, this is not and will not be significant. On the other hand, there are state subsidies - about 150 million euros are subsidized annually.  Periodic benefits and annuities are given to those who have earned more, which means that those who earn less are more important to them - of course, their contributions are also subsidized, but they usually do not accumulate enough to receive annuities, and then receive a lump sum of 3-4 thousand, which is not significant. So we can find more logic here by looking at business positions and interests, but not from a social security perspective.”

 


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