First, unofficial information appeared that the new deal prepared by the government of Mateusz Morawiecki provides for the introduction in Poland of pensions for people who have not yet reached the retirement age, the so-called training pensions. Now, the income tax exemption project for people who, after reaching retirement age, will not convert to ZUS payments, but will continue their professional work, and postponement of the deadline for submitting a pension application – part of the National Reconstruction Plan, is widely commented.
Both of these solutions have strong objective foundations and support from large social groups.
Most importantly, pension reforms—whether for tax cuts, exemptions, or those for a flexible retirement age—are planned in the first phase. Prime Minister Mateusz Morawiecki has announced that the relevant laws will be adopted within the first 100 days of the implementation of the Polish New Deal.
The fight for internship pensions
The introduction of the Polish legal system for internship pensions was pledged in the election campaign by President Andrzej Duda, who ran for the presidency. Unfortunately, as concerned parties complain, they were only election promises Because neither Andrei Duda himself nor his office did anything about this, but rather washed his hands – the social draft of the Pension Law, noting “By specialization” To the Cabinet (and let’s not forget that one of the presidential powers in Poland is the legislative initiative).
Frustrated voters interested in pensions internship do not quit, for now they are uniting and planning joint actions to come up with favorable solutions in the form of pensions by applying pressure.
Disadvantages of a low retirement age
A return to the retirement age of 60 for women and 65 for men from the retirement age previously raised by PO-PSL governments to 67 has gained universal acceptance for Poles, or at least strong enough to allow PiS to take over the government. Combined with strong acceptance for the Family 500+ program.
But over time, most of them realized the fact that this means even less than the already low pensions guaranteed by the system based on the Social Insurance Fund.
Thus, we have two phenomena. Long-Term: Retire after retirement age and continue to work to obtain both retirement and salary. This usually happens with one day’s dismissal from work, and after submitting a pension application, signing a new employment contract for the same job from a retired position. This phenomenon has been around for a long time, and officially employed retirees no longer pay pension insurance contributions (mostly, some pay under the assumption that thanks to this, after the conversion allowed by regulations, they will receive a slightly higher pension in the past ).
A new phenomenon – people who have reached retirement age are late in submitting an application for a pension, knowing that each longer working month means a higher pension for the rest of the months of life, because it will be calculated on a higher basis and divided by the number of fewer months of virtual life.
Needless to say, the latter model of behavior is more suitable for the pension system.
to punish or reward
There have been projects for a long time – and not just in a period of high unemployment – to limit the economic activity of pensioners by setting earnings limits (applicable to people receiving benefit before reaching legal retirement age). There were also suggestions that working retirees should continue to pay their contribution to pensions not voluntarily, but on a mandatory basis.
On the other hand, projects were discussed – for example, the famous 10000+, which by paying money, once or in installments per year, will stop the mass retirement process at the legal retirement age. In particular, this was true of people aged 65-67 at the time of the change and could retire en masse, which would burden the funds managed by ZUS,
Meanwhile, for economists, even with negative attitudes towards liberalism, it is clear that apart from legal injunctions, prohibitions and even abandonment on the basis of principle “equality for all” However, solutions based on natural mechanisms are more effective and sustainable (and even cheaper!).
The planned personal income tax exemption from personal income tax for people who postpone retirement despite reaching retirement age is just a solution based on a natural mechanism.
Righteous, this is solidarity, but it is also resilient
How should a fair retirement system be? Certainly based on the principle of social solidarity. Even if someone for very liberal reasons questioned this principle, he certainly belongs to a very limited minority.
The principle of social solidarity is the basis of the pension system currently in force in Poland, so what is the problem. The fact that this principle is also dealt with fundamentally and must be flexible. The pension system covers all workers, and their situation may differ radically.
On the other hand, I have people who, while studying in vocational schools, often start working hard at the age of 15 (in addition, their wages, even a small one, are covered by ZUS contributions) and these people often after 40 years of work, At the age of 55 he no longer had the power to work.
On the other hand, we have people who started working after graduation, do not require physical exertion, and who are currently 65 years old, are still at the peak of their career potential.
The current system makes them wait many years to reach retirement age – no mercy because they no longer have the strength to do so, and after age 60 or 65, health will not allow them to enjoy retirement comfort for long. On the other hand, strong 65-year-olds are encouraged to retire by the system.
In any case, it is absurd not only from the point of view of the principle of social solidarity, but also from an economic point of view. In Poland, there is a shortage of workers, and the greatest shortage of positions for specialists is observed, especially among people with higher education, who still have a lot of strength to work. Their extended professional activity, which led to with a longer period to pay contributions to them, means a higher pension, but also supports the pension system, giving, for example, the opportunity to benefit from training pensions, for example to people who worked (ZUS contributions paid) 35-40 years old but they cannot retire due to not reaching retirement age.
What is currently known about pensions?
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