As a result of this situation, the life expectancy of Poles aged 60 and 65 has decreased by nearly two years over the past two years. This has a significant impact on the amount of pensions awarded.
The amount of the monthly pension is determined at the time it is granted as a result of the total division Amounts Transferred to ZUS and Indexed Contributions By additional life expectancy expressed in months. This information ZUS Depends on GUS declaration. If life expectancy decreases, the degree of division automatically increases, which means higher pensions. However, only new.
Some pensioners did not read the information about it, and as a result, many older people came to ZUS who wanted to recalculate the amount of their benefits. But most of them left with nothing.
– The new tables do not in any way affect the amount of benefits for people who already receive a pension, and do not allow them to be recalculated. Only retirees who are still employed, but more favorable terms will apply only to contributions already earned in retirement – says Oskar Sobolevsky, an expert at the Pension Institute, in an interview with BI Polska. At the same time, remember that from the beginning of 2022, working pensioners can apply to recalculate the amount of the old-age pension once a year. Previously, it was once every quarter.
ZUS spokesman Pawe Żebrowski, in the reply sent to us, also emphasized that recalculation of the pension can only be done in the case of pensioners with contributions. “Once a year or after a job has been terminated, he can add to his credit. The new scoreboard will only be used for additional contributions, not all.” – Explains Bowie Chebrowski.
How much can a retired worker earn?
We have calculated the amount of money we are talking about so that retirees whose health allows them to get a job should consider whether it is profitable to resume their careers.
A working pensioner who earns the equivalent of the minimum wage, i.e. PLN 3010 per month, will transfer to the ZUS about PLN 7,050 during the year (payments of both the employee and the employer). Assuming that we are dealing with a pensioner who is 67 years old (at the time of application), a year of such work will increase the monthly pension by about PLN 40.
In the case of the gross salary 4.5 thousand. A person described 67 years old or 67 years old increases his pension by 60 PLN per month, that is, 720 PLN per year. On the other hand, a working pensioner, whose contract is equal to the average wage in the national economy in 2021, that is PLN 5662, increases his benefit by PLN 73 per month after one year of work.
The older a person is at the time of application, the higher the amounts. If the application is submitted by a 71-year-old pensioner, his benefit increases by:
- 47 PLN per month with a salary of 3010 PLN;
- 70 PLN per month with a salary of 4500 PLN;
- PLN 88 per month with a salary of PLN 5562.
Impact of schedules on new pensions
We are also ready Calculations of the amount that future retirees who are just planning to end their career will receive and report to the Social Insurance Institution after April 1 this year. For this purpose, we calculated the amount of the total pension for such a person in three variables: when their capital in ZUS is 300,000 PLN. Polish zlotys, 400 thousand. Polish zlotys and 500 thousand. zloty. We made the same calculation of pensions awarded for the same amounts based on last year’s schedules. The difference shows how much a higher monthly pension a new ZUS customer will receive due to the reduction in life expectancy caused by the pandemic.
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