Tuesday , August 3 2021

Retirement age changes again: 06/12/2020. Retirement pension before the age of sixty – what will be the minimum amount of the retirement pension?



It is time for the presidential bill to go to the Sejm. What are the options for this? The premise of the presidential project is simple: you’ve worked for 35 years, you’ve worked for 40 years – you retire whenever you want, regardless of age. It is important that for so many years it has been compulsorily – or voluntarily – paid for by ZUS. The last contribution has been received, you have reached 35 or 40 years of service, you can apply for a pension. If this regulation were introduced before 1 March 2021, the lowest retirement pension would probably be PLN 1,560.

We are still waiting for the president to turn his promise into a draft that will go to the Sejm and be quickly accepted. As time went on and the draft disappeared, a draft social law on retirement pensions was prepared and forwarded to the President along with a request on the subject. They are all waiting for President Andrzej Duda to present it to the Sejm as his project.

Switching to a denomination would be a privilege pension for internships, which would be voluntary. Since the amount of the old-age pension depends on the accumulated capital, anyone wishing to have a higher pension should consider not only their age but also the capital accumulated from contributions, according to which the ZUS will calculate the amount of the monthly pension. Each additional month of work, no matter the year, is a higher pension – not only because the employee’s retirement account will receive additional contributions, but also when calculating the amount of the pension, ZUS will divide the accumulated money by less than the hypothetical age of a man or woman. from the current death tables.

They have just rebuilt the government. The changed composition of the Council of Ministers will work on next year’s budget, and one of the most important issues for ordinary people and dependent on the form of the budget is pension regulations, final settlement of the OFE, indexation of pensions and, of course, other possible changes to the pension system. . may be included in the internship pension organization.

This solution is being taken as a complement to the current pension system. Nowadays, as we know, in order to retire – for example, apart from uniformed services – you must be at least 60 years old for a woman, 65 for a man.

Today, in the case of early-stage employees, the duration of service is closer to fifty years than to forty years.

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The founder is President Andrzej Duda, who is backed by the union “Solidarność”, but adding to his situation – the capital accumulated in the account of the retired pensioner must allow the payment of a pension of at least 120 percent. the lowest pension currently in force.

Minimum seniority pension: 120 percent of the lowest retirement pension

It is feared that the money raised from the pension contributions of people who retire before the age of 60 will be small and as a result the pension will be a penny.
Low pensions in the ZUS are a new pension law and the main reason they are looking for solutions that would improve their financial situation, especially in the case of people receiving the lowest pensions. Meanwhile, the state of public finances does not allow for an increase in subsidies from the state budget to pensions. COVID is almost skeptical of what will be paid in almost the thirteenth and fourteenth pensions mandated and enrolled – the law – but we do not know if there will be enough money in the budget next year to fund such social programs and their suspension is being considered.

Pensions in 2021: Many strangers

Moreover, it is not the only unknown – the work of liquidating open pension funds has not yet been completed, from which the money, according to the law initially approved by the Sejm, was to be transferred to private private retirement accounts in June this year.

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It is known how much the indexation of pensions will be from March 2021 – a rate of 3.84 percent. it is included in the draft budget act submitted by the government. If it weren’t for inflation at the 3-4 percent level. It would look good, but in practice there are a lot of key prices in the pensioners ’portfolio, such as energy, garbage collection and other housing-related fees, not to mention drugs – which are much higher than inflation and projected indexation rates.

It is also not known whether money will be found to increase the minimum pensions above the indexation index, as has happened in recent years. Currently, the lowest pension is 1,200 PLN. G.As promised, if it were possible to raise another 100 PLN from 1 March, it would be PLN 1,300.

Retirement pensions in 2021 – at least PLN 1,560

Returning to the new seniority pension project, if applied today, the lowest retirement pension for a woman who has worked for 35 years would be PLN 1,440, for a man who has worked for 40 years, regardless of age.

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On the other hand, if the lowest retirement pension were to rise to PLN 1,300 from 1 March 2021, the lowest retirement pension would be PLN 1,560 (after 35 years of service for women and after 40 years for men).

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