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(88"i3"  i32  a  .3  0    eftirorWinu?lyfsluleyfishfum 5.mgr.kemur:Wrumlyfjaheildslum.i3)݌ Ќ  "i3"  i32  b  .3  0    eftir6.mgr.kemurnUmlsgreinsemorWastsvo:i3L݌  Ќ  0      LyfjaheildslumerheimillsamhliWainnflutningurlyfsaWundangenginnitgfumark  X aWsleyfishrlandi.MeWsamhliWainnfluttulyfierttviWsrlyfsemhefurmarkaWsleyfi K #  Wrulandi,semeraWiliaWEES-samningnum,ogerfluttYaWantil0slands,enviWkomandi    lyferYegarskrWoghefurmarkaWsleyfihrlandi.   @;;!8.gr. wO    FyrirsgnXII.kaflalagannaverWur: Innflutningurogheildsalalyfja.SamhliWainnflutt B  lyf.     @;;!9.gr. {    0staWorWsins?LyfjaverWsnefnd 2.mlsl.42.gr.lagannakemur:LyfjagreiWslunefnd. nF @!10.gr.    43.gr.lagannaorWastsvo:    RWherraskiparfimmmannanefnd,lyfjagreiWslunefnd,tilfjgurrarasenn.Nefndin r skalskipuWfagmnnumsviWilknisfrWi,lyfjafrWiogfjrmla.Fj;rirnefndarmenn e= skuluskipaWireftirtilnefninguTryggingastofnunarrkisins,fjrmlarWuneytis,landlknis 0 ogLyfjastofnunar.FormaWurskalskipaWurafrWherrantilnefningar.Varamennskuluskip  aWirsamahtt.LyfjagreiWslunefndskalviWkvarWanirsnahafahugaYaWmarkmiWlag  annaaWhaldalyfjakostnaWilgmarki. i   LyfjagreiWslunefndskalkveWa: \4 ! ! 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Ќ  "i3"  i3$2U  4  .3  0    GreiWsluYtttkulyfjumsemveitthefurveriWundanYgafyrirskv.7.mgr.7.gr.Nefndin " geturvsaWafgreiWsluums;knavegnalyfjasemveitthefurveriWundanYgasamkvmt # YvkvWitilTryggingastofnunar.i3$$݌ $ Ќ    LyfjagreiWslunefndskalfylgjastmeWverWlagningulyfjaheildsluogsmsluog !W% greiWsluYtttkuverWilndumEvr;pskaefnahagssvWinuogtakamiWafYeimathugunum J""& viWverWkvarWanirsnarskv.1.og3.tlul.2.mgr.RWherraerheimiltaWkveWameWreglu #' gerWaWverWkvarWanirnefndarinnarskulibyggWarverWinnartilteknumlndumEvr #( ;pskaefnahagssvWinu.XegarumsamhliWainnfluttlyferaWrWaskallyfjagreiWslunefnd $ ) hafahliWsj;nafverWiYesstflutningslandinuviWverWkvrWunsna.ViWkvrWunverWi v%N!* oggreiWsluYtttkuverWisamheitalyfja(lyfjameWsamavirkainnihaldsefniW)skalnefndin A&"+ hafahliWsj;nafverWiviWkomandisamheitalyfjaEvr;pskaefnahagssvWinu.  '",   LyfjagreiWslunefndkvarWarflokkunsamheitalyfjaoglyfjameWsambrilegmeWferWar '#- hriftilviWmiWunargreiWsluYtttkuverWsalmannatrygginga.kvarWanirnefndarinnarskv. (z$. 2.,3.og4.tlul.2.mgr.skulubyggWarannarsvegarmatigagnsemilyfsoghinsvegar ( kostnaWiviWgreiWsluYtttku.    XegarfjallaWerumhmarksverWlyfjaheildslutekurfulltrisamtakalyfjaheildsalasti  nefndinniogYegarfjallaWerumhmarksverWsmslutekurfulltrisamtakalyfjasmsala a stinefndinni.XegarfjallaWerumhmarksverWdUralyfjumsmslutekurfulltrisam T, takadUralknastinefndinniogjafnframtskalnefndinYleitalitsyfirdUralknis.Falli  atkvWijfnviWafgreiWslumlahjnefndinniskeratkvWiformannsr.    LyfjagreiWslunefndannasttgfulyfjaverWskrrYarsembirterhmarksverWoggreiWslu   YtttkuverWlyfseWilsskyldralyfjaogallradUralyfja.LyfjagreiWslunefnderheimiltaWinn  X heimtagjaldfyrirlyfjaverWskrsamkvmtgjaldskrsemrWherraseturaWfengnumtillgum K #  lyfjagreiWslunefndar.GjaldiWskalstandaundirkostnaWiviWgerWskrrinnar.      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LyfjagreiWslunefnderheimiltaWsetjasrverklagsreglur.  @!11.gr. e=   44.gr.lagannaorWastsvo: 0   Innflytjendurlyfja,lyfjaframleiWendurogumboWsmennYeirraskuluskjaumhmarks  verWheildslu,greiWsluYtttkualmannatryggingaogallarverWbreytingarlyfseWilsskyld  umlyfjumogdUralyfjumtillyfjagreiWslunefndarogskuluums;knumfylgjaupplUsingarum i heildsluverWviWkomandilyfsYeimlndumsemtiltekinerureglugerW,sbr.3.mgr.43.gr. \4   kvrWunlyfjagreiWslunefndarumlyfjaverWskalliggjafyriroghafaveriWkynntumskj ' andaeigisWaren90dgumeftiraWums;knhefurborist.HafiumskjandiekkiltiWnauW  synlegarupplUsingarfylgjameWums;knskalnefndinntafarltaumskjandavitahvaWa  upplUsingarvantar.SkalrkstuddkvrWunlyfjagreiWslunefndarYliggjafyriroghafaveriW `  kynntumskjandaeigisWaren90dgumeftiraWnauWsynlegarviWb;tarupplUsingarbrust S+! nefndinni.EfkvrWunliggurekkifyririnnanYessaratmamarkaerumskjandaheimiltaW " markaWssetjalyfiWYvverWisems;tterum. #   HafieinnigveriW;skaWkvrWunarumYtttkusjkratryggingalyfjakostnaWisjkra  $ tryggWraskalhnkynntinnan180dagafrm;ttkuums;knarumkvrWunlyfjaverWs.Hafi !W% umskjandiekkiltiWnauWsynlegarupplUsingarfylgjameWums;knskalltaumskjanda J""& vita&  hvaWaupplUsingarvantar.SkalrkstuddkvrWunYliggjafyriroghafaveriWkynnt #' umskjandaeigisWaren90dgumeftiraWnauWsynlegarviWb;tarupplUsingarbrust.'#X< #(   kvrWunlyfjagreiWslunefndarumhkkunlyfjaverWsskalliggjafyriroghafaveriWkynnt $ ) umskjandaeigisWaren90dgumeftiraWums;knhefurborist.Umskjandiskallta v%N!* nefndinnitfullngjandiupplUsingar,YarmeWaltarlegarupplUsingarumYauatriWisem A&"+ hanntelurrttltahkkunWurkveWnuverWi.HafiumskjandiekkiltiWnauWsynlegar  '", upplUsingarfylgjameWums;knskallyfjagreiWslunefndltaumskjandavitahvaWaupp '#- lUsingarvantar.SkalkvrWunlyfjagreiWslunefndarYliggjafyriroghafaveriWkynntum (z$. skjandaeigisWaren90dgumeftiraWnauWsynlegarviWb;tarupplUsingarbrusthenni.Ef ( ;venjulegamargarums;knirhafaboristnefndinnigeturhntilviWb;tarframlengtfrestinn  einusinnium60daga.SkaltilkynnaumskjandaumslkaframlenginguWurenfresturinn  semlyfjagreiWslunefndhefurtilkvarWanatkuerliWinn.EfkvrWunliggurekkifyririnnan a YessaratmamarkaerumskjandaheimiltaWhkkaverWiWsamkvmtums;kninni. T, @!12.gr.    eftir44.gr.lagannakomatvrnUjargreinarogbreytistgreinatalaannarragreinasam   kvmtYv:  X   a.(45.gr.)      LyfjagreiWslunefnderheimiltaWbeitaverWstWvun.EfverWstWvunerbeittlllyfeWa    lyfsrstkumflokkiskalendurskoWakvrWuninaa.m.k.einusinniri.HeimilteraW   veitaundanYgufrverWstWvunsamkvmtums;knsrstkumtilvikum.:skiumskjandi wO  eftirundanYguskalhannltatfullngjandiupplUsingarumstWurbeiWninnar.Rk B  studdkvrWunlyfjagreiWslunefndarskalliggjafyriroghafaveriWkynntumskjandainnan    90daga.HafiumskjandiekkiltiWnauWsynlegarupplUsingarfylgjameWums;knskal   nefndinltaumskjandavitahvaWaupplUsingarvantar.SkalkvrWunlyfjagreiWslunefndar {  YliggjafyriroghafaveriWkynntumskjandaeigisWaren90dgumeftiraWnauWsynlegar nF viWb;tarupplUsingarbrusthenni.Ef;venjulegamargarums;knirumundanYgurhafaborist 9 nefndinnigeturhntilviWb;tarframlengtfrestinneinusinnium60daga.Skaltilkynnaum  skjandaumslkaframlenginguWurenfresturinnsemnefndinhefurtilkvarWanatkuer  liWinn. r   b.(46.gr.) 0   LyfjagreiWslunefndskalendurmetaforsendurlyfjaverWshrlandi,samanboriWviWsmu  lyfEvr;pskaefnahagssvWinu,reglulegaogeigisjaldnarentveggjarafrestioggera  tillgurumbreytingargefimatiWtilefnitilYess. i @!13.gr. '   LgYessiWlastYegargildi.  @ #dggAthugasemdirviWlagafrumvarpYetta.#ggd#KԈ `    FrumvarpYettaersamiWheilbrigWis-ogtryggingamlarWuneytinu.EfniYesshefurveriW S+! boriWundirfulltralyfjaverWsnefndar,greiWsluYtttkunefndar,Tryggingastofnunarrkisins " ogLyfjastofnunar. #   HelstabreytinginsemfrumvarpiWfelursrvarWarkvrWunlyfjaverWsoggreiWsluYtt  $ tkualmannatrygginga.SaukinnlyfjakostnaWurlandsmannahefurbeintsj;nummannaaW !W% YvfyrirkomulagisemhrerviWlUWisamkvmtgildandilgum.LyfjaverWsnefndkvarWar J""& hmarksverWlyfjaengreiWsluYtttkunefndkveWurgreiWsluYtttkualmannatrygginga #' nUjumlyfjum.BenthefurveriWaWYessarnefndirsuekkingjanlegatengdarhvorannarri #( ognokkuWskortisamrmingustrfumYeirra.XverlagttilaWumrddarnefndirverWi $ ) sameinaWareinanefnd,svokallaWalyfjagreiWslunefnd.MarkmiWiWmeWYessumbreytingum v%N!* eraWsameinaverkefniogfkkaaWilumsemfjallaumverWkvarWanirlyfjaogaukameWYv A&"+ samhfinguYeirraogskilvirknimeWYaWfyriraugumaWbetriheildarsUnfistYessum  '", mlaflokki. '#-   kvWi9.!12.gr.frumvarpsinserubyggWkvWumngildandilagasemfjallaum (z$. hlutverkogskipanlyfjaverWsnefndaroggreiWsluYtttkunefndar.XrbreytingarfelastY; ( frumvarpinuaWlyfjagreiWslunefndertlaWaWfjallaumgreiWsluYtttkullumlyfjumen  ekkieingngunUjumlyfjumeinsoggreiWsluYtttkunefndgerirdagogeinnigernefnd  innitlaWYaWnUjahlutverkaWfjallaumsvokallaWgreiWsluYtttkuverW,Y.e.YaWverWsem a almannatryggingarmiWagreiWsluYtttkusnaviW.FrumvarpiWgerirrWfyriraWstarfsmaWur T, lyfjaverWsnefndarogstarfsmaWurgreiWsluYtttkunefndarverWistarfsmennhinnarnUjulyfja  greiWslunefndarogaWYaWfsemnervariWtilgreiWslunefndarlaunanefndunumtveimur  verWinUttstarfsemihinnarnUjunefndar.AukYessertaliWnauWsynlegtaWstyrkjastarfsemi   nefndarinnarennfrekarmeWYvaWbtaviWeinumstarfsmanniogergertrWfyriraWaukiW  X fverWiveitttilnefndinnarYeimtilgangi. K #    LyfjagreiWslunefndskaleinsogWursegirfjallaumverWallralyfseWilsskyldralyfja,    greiWsluYtttkualmannatryggingalyfjakostnaWioggreiWsluYtttkuverW.XannigverWa    kvarWanirannarsvegarumverWlyfjaoghinsvegarumgreiWsluYtttkuteknarsamtmisen   samkvmtngildandilgumtekurgreiWsluYtttkunefndekkikvrWunumgreiWsluYtttku wO  fyrrenkvrWunlyfjaverWsnefndarumverWliggurfyrir,sbr.3.mgr.44.gr.laganna.Xer B  lagttilaWnefndinkveWigreiWsluYtttkuverWogaWrWherragetireglugerWkveWiWum    aWverWkvarWanirnefndarinnarskulibyggWarverWitilteknumlndumEvr;pskaefna   hagssvWinu.RttYykiraWbindalgheimildlyfjagreiWslunefndartilaWfelaTrygginga {  stofnunafgreiWsluums;knavegnalyfjasemveitthefurveriWundanYgaskv.7.mgr.7.gr. nF lyfjalagaennerkveWiWumslkaheimild7.gr.reglugerWarnr.128/2002umgreiWslu 9 Ytttkunefnd.    AWrarbreytingarsemframkomafrumvarpinuerueftirfarandi:    02.gr.frumvarpsinsaWfinnagjaldtkuheimildfyrirLyfjastofnunvegnamatsstWluWum r forskriftumenhanahefurskortlgintilYessa. e=   Xer5.gr.frumvarpsinsaWfinnanUmlisemfelursrheimildtilhandaLyfjastofnun 0 grundvelliheilbrigWissj;narmiWaaWgefatmarkaWsleyfiYegarlyfhefurveriWafskrW.    07.gr.erlagttilaWskUrtverWikveWiWumheimildlyfjaheildsalatilaWflytjainnsam  hliWainnfluttlyfensheimildhefurveriWleiddafkvWumlyfjalaga.RttYykiraWkveWa i srstaklegaumYessaheimildlgum. \4   nnurkvWifrumvarpsinsfelasrbreytingareinstkumkvWumlagannasemtl ' aWarerutilaWgeraYauskUrari.  @ AthugasemdirviWeinstakargreinarfrumvarpsins. `  @ Um1.gr. S+!   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A&"+   FramleiWslastaWlaWraforskriftarlyfjahefurnnastlagstafeftirgildistkulyfjalaganna  '", 1994,enstWluWforskriftarlyfvoruframleiddap;tekumoghjLyfjaverslunrkisins.Fram '#- leiWslaap;tekumhefurstWugtdregistsamanogekkierlengurlgWherslaframleiWslu (z$. forskriftarlyfjaY;ttennsnokkurYrffyrirYau.NgildandikvWiumstWluWforskriftar ( lyfgerarWfyriraWslklyfsuframleiddlyfjabW.    0a-liWerYvlgWtilsbreytingkvWinuaWframleiWslastaWlaWraforskriftarlyfjageti  einnigfariWframlyfjagerW.kvWiWfelureinnigsraWLyfjastofnunleggimatstaWlaWar a forskriftirannarraframleiWsluaWilaenap;tekaogaWhenniverWiheimiltaWinnheimtagjald T, fyrirslktmatsbr.2.gr.frumvarpsins.XessirframleiWsluaWilarltaeftirlitiLyfjastofnunar  oggerterrWfyriraWstofnuninstaWfestiframleiWsluforskriftirYeirra,endaerslkumfor  skriftumekkihaldiWviWlengureinsoggertvarNorrnulyfjaskrnni.0Evr;pskulyfja   skrnni,semt;kviWafhinninorrnuoglgleidderhrlandi,ereinungisaWfinnarfor  X skriftir(m;n;grafur)hrefna. 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B  0Yvskyniskalbirtalistaumvtamnogsteinefnisamtmarkgildi.Innihaldinttruvara    vtamnog/eWasteinefnimeiramagnienmarkgildiWsegirtilumtelsthnlyf.Umrdd   markgildisemframaWYessuhefurveriWstuWstviWhafaUmistveriWkvrWuWafmanneldis {  rWieinueWasamstarfiviWLyfjastofnunoglandlkni.MunstuWstviWYaufyrstuengera nF mrWfyriraWYautakibreytingumsWarlj;sivntanlegrarkvrWunarESBumlgmarks 9 oghmarksmarkgildivtamnaogsteinefnameWtillititilfWub;tarefna.  @ Um4.gr. r   BtterviW7.gr.lagannaaWrWherrasetjireglugerWumsamhliWainnfluttlyf.stWa e= YykirtilaWtakaYaWsrstaklegaframlgunumY;ttngildandi7.gr.takitilsamhliWainn 0 fluttralyfja.  @ Um5.gr. i   kvWiWfelursrheimildtilhandayfirvldumtilaWgefatmarkaWsleyfilyfja \4 kveWnumtilvikumogaWuppfylltumkveWnumskilyrWumsemtilgreinderu2.mgr.kvW ' isins.BoriWhefurYvhrlandiaWfullgildeldrilyfsuafskrW.XgeristYaWeinnigaf  markaWsstWumaWekkiers;ttummarkaWsleyfifyrireinstknauWsynleglyf.Xettaer  samrmiviWvntanlegabreytingutilskipun2001/83/EECentilskipuninerYegarhlutiaf `  EES-samningnum,sbr.kvrWunsameiginleguEES-nefndarinnarnr.82/2002fr25.jn S+! 2002. " @ Um6.gr.  $   Xarsemstj;rnirheilsugslustWvavorulagWarniWurmeWlgumnr.78/2003,umbreyt !W% ingulgumumheilbrigWisYj;nustu,nr.97/1990,erlagttilaWheimildstj;rnatilaWreka J""& lyfjabWsfrWtilframkvmdastj;rafyrirhndheilsugslustWvar. #' @ Um7.gr. $ )   0a-liWerlagttilaWsrstaklegaverWitiltekiWaWlyfjaheildslumsheimiltaWseljaWrum v%N!* lyfjaheildslumlyf. A&"+   0b-liWerframkvmdsamhliWainnflutningslyfjalUstnnar,enngildandilgum.MeW  '", samhliWainnflutningiersvigrmaukiWtilinnflutningssmulyfjaogmarkaWieruenfr '#- Wruog;dUraramarkaWssvWi.VonirerubundnarviWaWsamhliWainnflutningurleiWitil (z$. lgrainnkaupsverWsogYarmeWlkkunarlyfjakostnaWar. ( @ Um8.gr.    HrersamhliWainnfluttumlyfjumbttinnkaflafyrirsgn. a @ Um9.gr.    HrerlagttilaWstaWorWsins?lyfjaverWsnefndar komilyfjagreiWslunefnd,sbr.umfjll  unum10.gr.frumvarpsinsYarsemgerterrWfyriraWlyfjaverWsnefndoggreiWsluYtttku   nefndverWisameinaWarlyfjagreiWslunefnd.  X @rrUm10.gr.      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'   7.mgr.eraWsamhlj;Wangildandi9.mgr.43.gr.lagannaog8.mgr.ersamhlj;Wangild  andi5.mgr.43.gr.ogYrYarfnastekkisrstakraskUringa.    &  09.mgr.segiraWkvarWanirnefndarinnarstiekkiendurskoWunrWherra.Samsetning `  nefndarinnaraWtryggjaaWhnbiyfirnauWsynlegrisrfrWiYekkingutilaWtakak'lvarWan S+! irgrundvellifaglegraogfjrhagslegrasj;narmiWa.Nefndinskalhinsvegargeraumskj " andagreinfyriralmennummlskotsheimildum. #   010.mgr.erkveWiWumheimildrWherratilaWsetjareglugerWumstrflyfjagreiWslu  $ nefndarogheimildnefndarinnartilaWsetjasrverklagsreglur. !W% @rrUm11.gr. #'   kvWiWfjallarummlsmeWferWnefndarinnarogtmafresti.FyrstuYrjrmlsgreinar #( YessarargreinareruaWmestuteknar;breyttarr43.og44.gr.gildandilaga. $ )   1.mgr.kvWisinssvarartil2.mgr.43.gr.ngildandilaga.XarerY;YaWnUmliaWum v%N!* s;knumskulufylgjaupplUsingarumheildsluverWviWkomandilyfsYeimviWmiWunar A&"+ lndumsemtiltekinverWareglugerW,sbr.3.mgr.43.gr.  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