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☢Managing your account• My colleague called ZUS and asked about the pension entitlement in case I leave Poland, and surprisingly, he was told I will not get any pension even if I retire in Poland because I am from a country which is neither EU member state nor has a bilateral agreement with Poland I am from China, btw. cease of statutory joint property of spouses during marriage• Top queries• Top queries• Flexibility• DANE IDENTYFIKACYJNE — I dentification data 01. Device help• The second form, and old-age pension savings inheritance and distribution rules deserve their own article. In practice that means that your OFE account capital will be changed into Individual Old-age Pension Protection Account IKZE capital. Hi Iulia, thank you for your feedback 🙂 There will be some articles for B2B contractors but probably none of them will answer all your questions. The second pillar now has two parts:• There is no real money in ZUS There is no real money in your ZUS account and sub-account. Hi Maciek, I got an urgent question regarding the pension benefits. You can find the second, voluntary form and fill it out with your Polish friends or ask the clerks in ZUS for help. Currently a ZUS account and ZUS sub-account are obligatory, but people who start working in Poland for the first time may choose whether they want to send some part of their contributions 2. Zapraszamy do kontaktu z nami, napisz na adres aplikacje-poczta o2. Dear Sir or Madam After the recent changes in the law on the affiliation of the second old-age pension pillar you can decide if part of your social pension contribution in the amount of 2. Please check this chart presenting the rate of return from the beginning of OFE to 2. As many expats might not stay in Poland until retirement. Phones• If your gross salary is 4,000 PLN, you get 2,853. This is one of the biggest public institutions in Poland, established in 1934. Thank you for still being here. I will explain why it works like this later on. or divided:• Politicians did their best to make sure that in both cases your pension based on two obligatory pillars would be comparable. They will send you a letter in which they will mention three things: Open Pension Funds, property relationships with your spouse and your pension sub-account. DANE ADRESOWE 1 — Address 01. Better financial results Depending on your choice, the seize of the part of your future pension will depend either on the level of valorisation of your virtual money in ZUS or on the investment performance of OFE. 2017 The ZUS sub-account is reassessed on the basis of the nominal GDP growth for the last 5 years. However, if you can still make a choice and you would like to send some of your money to OFE, you should sign a contract with one of the companies and send a special form to ZUS after that. Perhaps you could elaborate further on the possibility of transfering this pension contribution to another country. Everything that ZUS gets from you is spent on current old-age pensions. There are too few working people to pay current pensions and there are going to be fewer. 60 PLN of the employment total cost. Very useful for the expats the way you have detailed. 48 PLN directly and you cost your employer 2,412. What will be happen with their Polish Pension ZUS, disappear or they can claim later• Perks• The prospects are that from this year to 2021 the system will have a 50 billion deficit annually. You already know the differences between your net and gross salary. Please send me a message to if that interests you. Right now there are 12 such companies that you will find later in this article. via post sent to the address of any ZUS branch addresses are available on www. The third pillar is voluntary and managed only by private companies Polish pension: Criteria for classification of three old-age pension pillars Source: Social Security in Poland, edit. Individual Old-age Pension Protection Account Indywidualne Konto Zabezpieczenia Emerytalnego, IKZE. There are many pension schemes for people of different ages, but we will focus only on the current system — for people born after 1968 — after its modification in 2014. It should be pointed out that funds recorded on the sub-account can be distributed — in the event of divorce or marriage annulment, or be inherited by those closest to a person in case of death of a person who has a sub-account in ZUS — on equal terms with the financial means deposited in the open pension funds. In the public one their future pensions would be paid by the next generations, so the risk was that the system would eventually collapse because of demography. — If the actual address of residence is different than the registered address of residence — please write the actual address of residence, but if the correspondence address is different than actual or registered address of residence — please write the correspondence address. 96 PLN net and your work costs 4,824. What options do they have to transfer this money to another pension fund? The letter Before I start explaining the system, please let me translate the letter that you receive from ZUS within half a year after you start working in Poland for the first time. Out of sight, out of mind — how much does your work cost? I would like to ask you if you plan in the future to write about taxes for self-employed people. Most of my readers are employed under an employment contract. Perks• divorce• However, I also offer paid research reports for my concierge clients tailored to their needs and specific situation. Flexibility• Third pillar The third pillar is voluntary and administered by private institutions. Both forms are used for the proper division of your money. There is no official description of projected changes but is pretty sure that OFE will finally end in January 2018. Numer telefonu 2 — Phone number 09. Now all insured people have ZUS accounts and sub-accounts. Employee Employer old-age pension insurance 9. I definitely suggest that you read it, as it describes the entire Polish social security system, including all forms of financial support that you can expect from the government. According to this idea people were meant to get their pensions from two obligatory systems: a public one and a private one. First pillar — the easiest one The first pillar is managed by ZUS only. Most likely your retirement conditions will be much worse in these 20-40 years. Individual Old-age Pension Account Indywidualne Konto Emerytalne, IKE• Accessories and more• Services• 10 years before you reach retirement age your OFE money will be slowly transferred to ZUS once per six months until all your money becomes virtual. — Indication of the phone number and e-mail address is not mandatory. I also would like to know about this pension contribution for expats non EU citizen who might not living in Poland on their old-age pensions example if they back to their origin country non EU countries. I recently read a article on your FB regarding the residence application for non-EU residence. If you started working in Poland before July 2014, or if you were born before 1968 you should consult your case with ZUS clerks. Guaranteed pensions Polish pensions located in ZUS are guaranteed by the Treasury, whereas no one will guarantee that you will get the part of your money from OFE which are private institutions. Open Pension Funds — OFE managed by private companies• Connected• directly in the customer service center at any ZUS branch;• Why you need to decide between OFE and the ZUS sub-account Back in 1999-2010 there was no ZUS sub-account and people had only ZUS and OFE. In view of the above the Social Insurance Institution kindly requests the following documents:• Numer lokalu — Flat number 08. In a nutshell Monthly old-age pension insurance contribution equals 19. Other ways to get help• Services• The point is that ZUS sends their letters after this 4 months period at least in my case they did it. Sims and Tariffs• special sub-account in ZUS public• OFE companies will be automatically moved to the third pillar. Many say that capital in OFE is subject to market risk so falls in stock-markets will result in your losses. Update on: 2020-04-03 App uploaded by: Martin Almonacid Requires Android: Android 4. Conclusion The final answer depends on your individual situation. Which option will secure you a bigger pension? 20 PLN That means that if you work in Poland for 5 years and earn 4,000 PLN gross, you will invest 46,848 PLN in your future old-age pension. I had this letter for a long time with me and not knowing what to do with it. Hello Marelke, thank you for your comment and for suggesting me an important topic. Update on: 2020-01-06 App uploaded by: Gavin Sookhbarow Requires Android: Android 4. The brochure is very informative, clear and translated to perfect English by Mr. Kod pocztowy — Postal code 02. Device help• Still, Polish demographic situation makes people skeptical about their guarantees. either sent only to the ZUS sub-account• It was a huge public debate and a very controversial political action processed in a terrible manner. Zagraniczny kod pocztowy 3 — Foreign post code 1 1. Update on: 2019-11-09 App uploaded by: Martin Almonacid Requires Android: Android 4. First in 2011 and then in 2014 the government changed the system and introduced ZUS sub-accounts. They did this because they needed some quick solution for a ZUS deficit without introducing unpopular pension reforms. It plays a major role in the entire Polish social security system since the reform of 1999. The operation is scheduled to start on Monday, the 22nd of January, but the magazine admits that it may be rescheduled. The documents can be submitted:• Second pillar — you need to choose between private and public funds The second pillar is made up of two parts: Open Pension Funds and a sub-account in ZUS. Hi Maciek Thanks a lot you post this useful article! The project is still being determined. The Open Pension Funds OFE are managed by private institutions — General Pension Societies PTE. Unfortunately in both cases it will be very low. — By completing this declaration the insured person confirms that the declared information is honest and complete, and takes the responsibility of effects deriving from giving false or incomplete data. Their decision can be changed within the next transfer window that will be open in 2020, from April to June, and then again and again every four years — except for the fact that the current government wants to finally close the second pillar in 2018 you will find more information on it later in this article. Young Poles are said to not rely on their future pensions. marriage annulment• Back in 2014 OFE companies were banned from advertising their services in order to keep them quiet when the government urged people to choose ZUS only. Declaration on property relationships between the insured person and their spouse — if the insured person is married;• decide whether you want to send all your contributions from the second pillar only to the ZUS sub-account, or if you want to divide it between OFE and the ZUS sub-account;• OFE comparison at the rate of return from the beginning as of 2. This will enable the indicated persons to inherit the funds recorded on the sub-account. Other ways to get help• If you can manage to put together some info on this in the future, I would very much appreciate it:• provide them with the data of the person entitled to inherit your ZUS sub-account money if you want to choose anyone. I will do my best to publish an article about this in September at the latest. Hi Maciek, This is a wonderfully written article. This gives great clarity on the Polish system. Update on: 2021-01-18 App uploaded by: Gajender Singh Requires Android: Android 4. Hi Maciek, once again thank you for the article, very well written! Go straight to sections: Sources: Thank you very much for this article. According to Gazeta Prawna, this money will be taken care of in February. In fact the more and longer you pay, the higher your pension should be. You can also participate in the third pillar on a voluntary basis. Connected• Would you be okay if I write to you for some clarifications? That is quite important, because money from IKZE can be taken of, contrary to money in OFE. Money recorded on your ZUS sub-account can be divided in the event of:• Additional explanations and help with filling out the forms can be obtained in any ZUS branch and through the Phone Support Center, tel. The first pillar is managed by a public institution — ZUS• Do you know anything about this? Polish pension system: What is ZUS? If you have time, you should contact OFE companies and look for further information that could convince you to sign a contract with them and send a form to ZUS. Accessories and more• The difference was that ZUS was public and kept virtual deposits, and OFE were managed by private companies that really kept the money of their members in the form of investment capital. In the private one pensions were meant to come from the collected capital and investment profits, but the risk was that the company would take losses in investment. Update on: 2020-11-09 App uploaded by: Gajender Singh Requires Android: Android 4. You can either send the full amount of 7. For 6,000 PLN gross it will be 4,247. Take a look at your gross salary and please check what percentage of it goes to public institutions. Managing your account• Imagine being in Poland when they introduced this reform and did everything to convince people to choose ZUS sub-accounts only. Sims and Tariffs• Ok, so what do they want from you in the letter? I imagine that within your followers, this might be a very small percentage though. The system is already inefficient. Update on: 2020-06-02 App uploaded by: Gavin Sookhbarow Requires Android: Android 4. However, participation in the system is obligatory. Phones• 40a of this act in the event of death. Occupational Pension Programmes Pracownicze Programy Emerytalne, PPEs• OFE will end soon I also need to add that the system has been destabilized by the projects of the current government once again. Hopefully one day JAP will grow big enough to cover all these topics. Both forms are available online on www. In the letter they ask you to do three things:• Old-age pensions cost the most Excluding personal income tax, the biggest part of your income goes to old-age pension insurance contributions. How does the Polish pension system work? You can read about all of them in the excellent prepared by ZUS itself a year ago.。

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