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Pre-Retirement Folder

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Pre-Retirement Folder Preparing for Retirement IAEA, 2 October, 2002 Preparing for Retirement Contents THIS BOOK, THE SEMINAR AND THE WEBSITE............................................................................................... 1 This Book...................................................................................................................1 The Seminar ..............................................................................................................1 The Website...............................................................................................................1 LIFE IN RETIREMENT .................................................................................................................................. 3 A BRIEF GUIDE TO LIFE IN RETIREMENT ............................................................................................. 3 Introduction ..........................................................................................................................3 A basic premise and a new situation.........................................................................3 Possible openings......................................................................................................4 Maintaining contact....................................................................................................4 The preliminaries .......................................................................................................5 Where to live..............................................................................................................5 Residence permits for Austria ...................................................................................6 Tax liabilities ..............................................................................................................6 Your pension..............................................................................................................7 Pension adjustment ...................................................................................................8 Taxation .....................................................................................................................8 Tax exemption on UN pensions ................................................................................9 Health insurance........................................................................................................9 Keep in good health...................................................................................................9 YOUR RETIREMENT BUDGET .......................................................................................................... 11 SEPARATION FORMALITIES ...................................................................................................................... 15 SEPARATION FORMALITIES............................................................................................................. 15 Retirement: Definition and notification.....................................................................15 Travel and shipment entitlements............................................................................15 Clearance form ........................................................................................................16 Repatriation grant ....................................................................................................16 End of service allowance.........................................................................................16 Retiree pass.............................................................................................................17 TIME SCHEDULE ON SEPARATION ................................................................................................... 19 Approximately 2 – 5 months prior to separation:.....................................................19 Staying in Austria:..........................................................................................19 Leaving Austria:.............................................................................................19 One month prior to separation:................................................................................19 At the latest five (eight in UNOV) working days prior to separation: .......................20 Last day of duty: ......................................................................................................20 For P and non-local GS staff only:...........................................................................20 Immediately after arrival at the repatriation destination: ...............................20 Six months after separation:..........................................................................20 One year after separation:.............................................................................20 Two years after separation:...........................................................................20 SEPARATION FROM SERVICE — SOURCES OF INFORMATION............................................................ 21 For IAEA staff.....................................................................................................................21 SEPARATION FROM SERVICE — SOURCES OF INFORMATION............................................................ 23 For UNOV staff...................................................................................................................23 i SEPARATION FROM SERVICE — SOURCES OF INFORMATION............................................................ 25 For UNIDO staff .................................................................................................................25 PENSION ................................................................................................................................................. 27 THE UNITED NATIONS JOINT STAFF PENSION FUND (UNJSPF) ....................................................... 27 Request a pension estimate ....................................................................................27 Consult with your local Pension Fund Secretariat...................................................27 Submission of proof of residence (the two-track system)........................................28 Separation formalities..............................................................................................29 Pension Forms.........................................................................................................31 List of forms available....................................................................................31 AUSTRIAN PENSION INSURANCE ..................................................................................................... 33 HEALTH AND LIFE INSURANCE .................................................................................................................. 35 COVERAGE FOR IAEA STAFF ......................................................................................................... 35 After-service Medical Insurance Plan (AMIP)..........................................................35 Life Insurance ..........................................................................................................37 ‘Paid’ insurance coverage .............................................................................37 ‘Free’ insurance coverage .............................................................................37 COVERAGE FOR UNIDO & UNOV STAFF....................................................................................... 39 After Service Health Insurance (ASHI) ....................................................................39 Eligibility for continued coverage...................................................................39 How to obtain continued coverage................................................................40 ASHI in the UNOV/UNIDO Group Medical Insurance Plan....................................40 ASHI Coverage in the Austrian Sickness Insurance (GKK) ....................................43 After-Service Life Insurance (ASLI) .........................................................................44 GENERAL INFORMATION........................................................................................................................... 45 INFORMATION FOR THOSE WHO STAY IN AUSTRIA AFTER RETIREMENT............................................... 45 Introduction ..............................................................................................................45 Your status vis-à-vis the Austrian law when you cease to be an official .................45 Identity Card (‘Legitimationskarte’) ..........................................................................45 Residence registration (Meldezettel) .......................................................................46 How to obtain a residence permit in Austria............................................................46 Procedures for application of Austrian Residence permit .............................47 Liability for certain taxes and dues ..........................................................................51 (a) Changes due to the Austrian membership in the EU (1 January 1995) ..51 (b) Income tax (‘Einkommensteuer’) .............................................................51 (c) Capital yields tax (‘Kapitalertragssteuer’ - KEST)....................................52 (d) Property tax (‘Vermoegenssteuer’) ..........................................................52
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