The end of Penny pensions with ZUS is near. Their expedition costs millions

The lowest pension ZUS currently pays is just four cents. However, providing the beneficiary of such a benefit costs 10 PLN, and the calculation of its amount costs 120 PLN per year. At the national level, it gives high costs of PLN 35 million.

Therefore, as reported by Dziennik Gazeta Prawna, the social insurance institution and the family and labor services want to change the law. They plan to introduce a different method of paying low pensions, especially those not exceeding PLN 100. However, for smaller amounts, they could be paid once. Larger, quarterly or yearly.

More: Joanna Tyrowicz: Request a retirement as soon as possible. Before the government catches and modifies the regulations

Penny's retirement is a relic

And what is the reason for these low benefits? They result from provisions that allow you to get a pension for anyone with the appropriate age – 65 for men, 60 for women. And he would pay the appropriate contribution once.

It is worth pointing out that at present, a penny pension is due to everyone who has paid any contribution. In order to obtain a minimum benefit whose level today is 1000 PLN, a corresponding work period is required – in the case of men, she is 25 years old, women 20 years old.

Instead of a fundraiser in retirement,

the Social Security Office proposes to introduce new rules. The pension would be payable to those who, for at least 10 years, paid social security contributions on wages, not less than the minimum . This would mean that people who, in their professional life, have been short-term and now receive a pension of one hundred, would accumulate their contributions to the account up to the age of 70. ZUS would not divide them into payments calculated in centimes or zlotys. However, it is unclear what the amount of this benefit will be.

According to some experts, the manner of paying pensions can only be decided at the time of payment of contributions, but at their amount. It may be that someone worked very briefly, but for a very high rate. Then the accumulated capital on his account is greater than a dozen or a few hundred zlotys.

Read more: The number of people with a pension lower than the minimum increases. Head ZUS: If we ask for a pension, we break the bank

The problem is not just pennies

Kłopot for ZUS are not just pensions counted in centimes or dozens of zlotys. 234,000 retirees receive benefits below the minimum, in this group there are more and more people working on "garbage contracts". They can count on a monthly payment of about 880 PLN.

Due to demographics, the problem of low profits will increase. This is why there are proposals to introduce the so-called civic pensions. That would be 70%. the current minimum remuneration for gross work – 1470 zlotys. That's what everyone would have guaranteed, including those who did not collect enough or even who never worked.

Also read: The unemployment benefit is very low. That's 867 PLN.

The government does not hide the fact that the benefits of future retirees may be hungry. That's why he's working on employee investment plans. 3.5 to 6% will go to them. salary (part of the employee, part of the employer).

***