Vem aí a Previdência Complementar dos servidores da união

Tramita na Câmara dos Deputados, desde 2007, o Projeto de Lei nº 1992, de iniciativa do Poder Executivo, que institui a Previdência Complementar do Servidor Público, conforme determina os parágrafos 14 e 15 do artigo 40 da Constituição, com a redação dada pela Emenda Constitucional nº 41, de 19 de dezembro de 2003.

O projeto, sob exame da Comissão de Trabalho, Administração e Serviço Público da Câmara, institui o regime de previdência complementar para os servidores públicos titulares de cargos efetivos da União e de suas autarquias e fundações públicas, inclusive para os membros do Poder Judiciário, do Ministério Público e do Tribunal de Contas da União”, e também cria a “Fundação de Previdência Complementar do Servidor Público Federal – Funpresp”, o fundo de pensão do funcionalismo.

O objetivo da proposição é limitar a cobertura do regime próprio, que atualmente equivale à totalidade da remuneração do servidor, ao mesmo teto praticado pelo regime geral do INSS, atualmente fixado em R$ 3.689,66. Isto significa que, uma vez criada a previdência complementar, ao servidor admitido a partir dessa data aplica-se, obrigatoriamente, esse novo limite máximo no regime próprio, sendo-lhe facultado complementar sua aposentadoria mediante adesão à Funpresp, o fundo de pensão dos servidores.

As mudanças são significativas entre o regime próprio e o complementar. O primeiro, que ficará limitado ao teto do INSS, é de repartição, enquanto o segundo, que será facultativo para a parcela da remuneração que exceda ao teto do INSS, é de capitalização. Os planos de benefícios, que no regime próprio são de benefício definido, ou seja, o servidor sabe previamente quanto terá de aposentadoria, na previdência complementar, são de contribuição definida, isto é, o servidor sabe com quanto contribui, mas não tem idéia de quanto terá de aposentadoria ou pensão, o que depende da gestão do fundo e do montante capitalizado.

A contribuição para o regime próprio continuará de 11% e a da previdência complementar será de no máximo 7,5%. Além disto, no regime próprio da União, o governo deve contribuir com o dobro do que contribui o servidor, enquanto no regime complementar a contribuição máxima do empregador, no caso o Governo Federal, será equivalente à contribuição do servidor.
Os atuais servidores que tenham ingressado no serviço público até o dia anterior ao funcionamento da entidade de previdência complementar poderão, mediante prévia e expressa opção, aderir ao novo regime. Terão o prazo de 180 dias após a instalação do fundo de pensão dos servidores. Quem optar pelo novo regime passará a contribuir para o regime próprio (11%) até o teto do INSS e, na parcela que exceder ao valor de R$ 3.689,66, contribuirá para a previdência complementar (7,5%).

Ao atual servidor que optar pela previdência complementar será assegurado um benefício diferido ou especial, calculado com base nas parcelas das contribuições recolhidas ao regime próprio de previdência acima do teto do regime geral, que será atualizado pelo Índice de Preços ao Consumidor Amplo – IPCA. Isto significa que o servidor nessa condição terá três benefícios na aposentadoria: i) no regime próprio, limitado ao teto do INSS, ii) um complementar, equivalente às reservas que acumular no fundo de pensão, e iii) o benefício diferido ou especial, relativo ao tempo em que contribuiu para o regime próprio pela totalidade da remuneração.

A entidade fechada de previdência complementar, o fundo de pensão do servidor, será estruturada na forma de fundação com personalidade jurídica de direito privado, com autonomia administrativa, financeira e gerencial. A Fundação de Previdência Complementar do Servidor Público – Funpresp terá sede em Brasília e contará com um Conselho Deliberativo, uma Diretoria-Executiva e um Conselho Fiscal. Os conselhos deliberativo e fiscal terão participação do patrocinador (a União) e dos servidores.

(*) Jornalista, analista político, diretor de Documentação do Diap e autor dos livros “Por dentro do processo decisório – como se fazem as leis” e “Por dentro do Governo – como funciona a máquina pública”.

Ascom: Rezende

Fonte: Blog do Servidor/Antônio Augusto de Queiroz*
Agência  Diap

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  236. If you’re still on the fence: grab your favorite earphones, head down to a Best Buy and ask to plug them into a Zune then an iPod and see which one sounds better to you, and which interface makes you smile more. Then you’ll know which is right for you.

  237. I’ll gear this review to 2 types of people: current Zune owners who are considering an upgrade, and people trying to decide between a Zune and an iPod. (There are other players worth considering out there, like the Sony Walkman X, but I hope this gives you enough info to make an informed decision of the Zune vs players other than the iPod line as well.)

  238. I’ll gear this review to 2 types of people: current Zune owners who are considering an upgrade, and people trying to decide between a Zune and an iPod. (There are other players worth considering out there, like the Sony Walkman X, but I hope this gives you enough info to make an informed decision of the Zune vs players other than the iPod line as well.)

  239. The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

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  241. Hands down, Apple’s app store wins by a mile. It’s a huge selection of all sorts of apps vs a rather sad selection of a handful for Zune. Microsoft has plans, especially in the realm of games, but I’m not sure I’d want to bet on the future if this aspect is important to you. The iPod is a much better choice in that case.

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  243. The new Zune browser is surprisingly good, but not as good as the iPod’s. It works well, but isn’t as fast as Safari, and has a clunkier interface. If you occasionally plan on using the web browser that’s not an issue, but if you’re planning to browse the web alot from your PMP then the iPod’s larger screen and better browser may be important.

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