State service portal
Happy ageing must start taking care of it from the first day of work. Regular national social security contributions and adequate seniority will allow funds to be raised to provide them. As the principle of intergenerational solidarity works in Latvia, when you work and pay contributions, you care not only about your future, but also about the pensions of Latvian old men today.
Rodapé no estilo do site daApple, qUE usa um truque com checkbox para ter uma solução 100% CSS para mostrar ou recolher um menu. Aqui troquei o checkbox por two e links.
The main factor contributing to old-age pensions is the mandatory state social insurance contributions, so it is important to follow up on whether and to what extent they are made.
Latvia operates a three-tier pension system:
Information on Old-age pension
Regarding the pension system in Latvia, read the Ministry of Welfare more on the website.
Get additional information about the Latvian pension system on the website manapensija.lv.
Using e-service "Information on Tier 1 capital for pensions".
Using e-service "Information on participation at Level 2".
Using e-service “Information on the expected old-age pension" to keep track of how your retirement capital is building.
Mandatory State social security contributions (social security security) shall be a mandatory payment in a special budget account, which gives the right to a socially insured person to receive social insurance services.
The social security security rate, if the worker is insured for all types of social security, shall be 34,09%, of which:
Of the total mandatory contribution rate of 34.09%, 1% is directed towards the financing of healthcare services.
Since the main principle of the functioning of the pension system is that the higher mandatory national social security contributions are made today, the higher the pension will be tomorrow, it is important to follow whether the employer pays social security contributions for you.
Minimum mandatory national social security contributions (minimum contributions) shall be a compulsory payment for each person to be paid by the employer at least from the national minimum monthly salary. The minimum amount of contribution per quarter shall be EUR 1500 or EUR 500 per month and shall be introduced as from 1 July 2021.
Learn more what it is mandatory State Social Insurance Contributions.
Using e-service “Information on social insurance contributions and periods of insurance" to make sure you are subject to mandatory national social security contributions.
The State Social Insurance Agency (SSIA) shall have at its disposal all data relating to the length of the personal insurance (employment) from 1996. Until then, the accumulated periods of work and the same periods must be certified by documents to you. Therefore, it is important to check the information on your length of insurance (employment) by 1996 at the disposal of the SSIA.
The total length of insurance (employment) shall be used to determine the right to a pension. The years of insurance up to 1996 can also have a significant impact on the amount of the pension, so it is important for each person to prove all the insurance periods up to 1996.
If a loophole is identified, you must go to any SSIA customer service centre with your workbook or other evidence of insurance (working time books are no longer in use at the moment, but they are needed in determining the length of insurance (employment) for persons who have worked before 1 January 1996).
If the work book is lost, you must turn to previous jobs or the National Archives of Latvia. If the documents are missing and the archive fails to obtain the information, it shall be possible to refer the matter to the Administrative Court with a request to establish the legal fact of seniority.
Documents certifying the length of insurance (employment) up to 1996:
For advice, go to any SSIA customer service center.
If a working book is lost, look at previous jobs or National Archives of Latvia.
If it is necessary to establish the legal fact of seniority, select the nearest section of the Administrative Court.
Used the e-service “Information on registered service up to 1996” to verify your data.
Level 1 of the State pension system does not have to apply – it is the mandatory state unfunded or non-accruing pension scheme involving all citizens from the age of 15 who themselves pay or are subject to social security contributions. This level means you're saving for your retirement and taking care of today's pensioners. This means that the longer you work and the higher the social contributions you will pay, the higher you will receive in old age.
The projected pension is based on information at the disposal of the SSIA on socially insured persons:
Using e-service "Information on Tier 1 capital for pensions" for information on accrued Tier 1 capital of retirement, from which the amount of old-age pension will be formed.
Using e-service “Information on the expected old-age pension" to get a forecast of the size of a possible old-age pension.
Level 2 of the pension system makes it possible to create additional provisions for the State old-age pension provided by Tier 1 of pensions. It aims to increase your pension capital and the size of your pension by accruing some of the social contributions and investing in financial and capital markets – securities and bank deposits.
Learn more about investment plans.
For more information on the use of capital accumulated at Tier 2 of pensions, please refer to the description available on the SSIA website.
Using e-service "E-provision for selecting or changing pension level 2 investment plan".
Use e-service “Pension Level 2 Member Account Statement Statement'' for information on the total accumulated capital of their pensions at Tier 2.
You can change your investment plan and manager.
Members of Tier 2 of pensions may change the manager of funds once in a calendar year. You can change investment plans managed by the same fund manager twice in the calendar year.
How can I use the capital accumulated in Tier 2 of my pensions?
When applying for an old-age pension, you have to make a choice of how to use the capital accumulated in Tier 2 of pensions. You can:
You can choose what happens to the accumulated capital.
A member of Tier 2 of pensions who has not yet claimed an old-age pension may choose how the capital accumulated at Tier 2 of his pensions will be used in the event that he dies before the old-age pension is awarded:
It is necessary to notify the State Social Insurance Agency (SSIA) of its choice by submitting an application. If the person has not announced his or her choice before death, the accumulated capital shall be transferred to the special budget of the State pension.
How do I submit an application to the State Social Insurance Agency?
Read more information on the SSIA website.
See what the choice of the deceased has been, you can personally by addressing the SSIA customer service centers or at sworn notary.
You can also find out all the vague questions in person SSIA customer service center.
Use e-service “Pension Level 2 Member Account Statement Statement" for information on the total accumulated capital of their pensions at Tier 2.
At Tier 3 of the pension system, it is possible to voluntarily create additional provisions for their pension. This means that, in addition to Tier 1 and 2 of the pension system, you can voluntarily invest some of your income in one of the private pension funds or accrued insurance.
The Law provides that the right to create private funds is for Latvian commercial banks, which have the right to accept deposits of natural persons, insurance companies entitled to life insurance, as well as legal persons.
Private pension funds or insurers invest money in order not only to preserve but also to increase the value of stocks over the long term. In long-term savings instruments offered by life insurers, the retirement provision can be selected with a fixed yield percentage or linked to investment funds.
Over time, the accrual will serve you as a supplement to the state's guaranteed pension.
According to the applicable laws, you have the right to receive, by submitting the annual income statement to the SRS, the overpaid income tax from the amount you have paid into your pension level 3, which does not exceed 10% of your calendar year's gross salary.
How do I make contributions at the 3 rd pension level?
Learn more about Pension Level 3 .
Read more information in the Law on Private Pension Funds .
Here you can submit a Annual Income Statement.
Private pension funds or accruing insurance may receive accruals from the age of 55, but it is possible to continue to build stocks beyond the age of 55 until the desired time.
It can also be received more quickly:
In order to receive a pension accrued at Tier 3, an application for the receipt of accrued pension capital must be submitted to his or her pension fund or to the insurer. The provision may be received in instalments, periodically or in one amount.
The money accumulated at level 3 of pensions may be inherited by a person or heirs of your choice specified in the contract in accordance with the procedures specified in the Civil Law (also not reaching the age of 55 for the stockholder).
For which groups of society are defined faster retirement age?
Learn more about opportunities to accrue money at pension level 3.
Work, Taxes and Salary Tax Book
Unemployment benefit and job search
Employment of foreigners, adolescents and disabled persons
Annual income declaration
When authenticating, I agree and undertake to comply with the rules for the use of the electronic identification solution.
Thank you for using Latvija.lv workplace!Please close this browser window! If you have any comments you can send it to email@example.com.
Your session will expire in