June 19, 2021

Biology Reporter

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Now there will be a real pension revolution: May 24, 2021. For some, pensions are below retirement age, for others there is exemption from personal income tax.

Now there will be a real pension revolution: May 24, 2021. For some, pensions are below retirement age, for others there is exemption from personal income tax.

First, unofficial information emerged that the New Deal prepared by the Mathews Murawiecki government provides for the introduction of pensions in Poland 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 the postponement of the pension application deadline – part of the National Reconstruction Plan, is widely suspended.

Both of these solutions have strong objective foundations and support from large social groups.

The fight for internship pensions

The introduction of the Polish legal system for internship pensions into the election campaign has been pledged by President Andrzej Duda, who is running for the presidency. Unfortunately, as interested parties complain, they were only Electoral promises Because neither Andrzej Duda himself nor his office has done anything about it, rather he was washing his hands – the social draft of the Pension Law, referring “according to terms of reference” to the Cabinet (and let’s not forget that one of the presidential powers in Poland is the legislative initiative).
Frustrated voters interested in internship pensions do not quit, at the moment they are challenging and planning joint actions in order to come up with favorable solutions in the form of pensions by applying pressure.

The downsides of a low retirement age

The return to the retirement age of 60 for women and 65 for men from the retirement age previously raised by the governments of PO-PSL to 67 has gained universal acceptance for the Poles, or at least strong enough to allow Law and Justice to take over the government. Coupled with strong acceptance of the Family 500 + program.
But over time, most of them realized the fact that this meant even less than the already low pensions guaranteed by the existing Social Insurance Fund system.

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Hence, we have two phenomena. Long-term: retirement after retirement age and continuing to work for retirement and salary. This usually occurs with a one-day dismissal from work, and after submitting the pension application, signing a new work contract for the same job from a retired position. This phenomenon has existed for a long time, and formally employed retirees no longer pay their pension insurance contributions (mostly, some pay on the assumption that thanks to this, after the calculation permitted by the regulations, they will receive a slightly higher pension in the country). past).
A new phenomenon – people who have reached retirement age are late in submitting a pension claim, knowing that every month longer work means a higher pension for the rest of the months of life, because it will be calculated on a higher basis and divided by fewer months of virtual life.
Needless to say, the latter model of behavior is more appropriate 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 pensioners’ economic activity by setting earnings limits (that apply to people receiving benefits before reaching the statutory retirement age). There have also been suggestions that working retirees should continue to pay their pension contributions not voluntarily, but on a mandatory basis.
On the other hand, projects were discussed – for example, the famous 10,000+, which by paying money, once or in installments per year, would halt the group retirement process at statutory retirement age. In particular, this was true of people between the ages of 65 and 67 at the time of the change and could retire en masse, burdening the money ZUS managed.

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Meanwhile, for economists, even with a negative attitude towards liberalism, it is clear that other than legal orders, prohibitions, and even abandonment based on the principle of “equality for all,” solutions based on natural mechanisms are more effective and sustainable (and even cheaper!).

The planned government exemption from personal income tax for people who postpone retirement despite reaching retirement age is just a natural mechanism solution.

Fair, this is solidarity, but it is also flexible

How should a fair retirement system be? Emphasis on the principle of social solidarity. Even if someone, for very liberal reasons, doubts 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 mainly addressed and it has to be flexible. All workers are covered by the pension system, and their situation may differ drastically.

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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 if small, 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 one hand, we have people who start working after graduation, who are not physically exertionated, and who are currently 65 years old, are still at the peak of their professional potential.
The current system makes them wait many years to reach retirement age – there is 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 the comfort of retirement for long. On the other hand, 65-year-old strong people are encouraged to retire by the system.
In any case, it is absurd not only from the standpoint 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 professional positions is noticed, especially among people with higher education, who still have a lot of strength to work. Their prolonged professional activity has led, among other things, to having a longer period to pay contributions to them, it means a higher pension, but it also supports the pension system, giving, for example, the opportunity to benefit from internship pensions, for example for people. Those who have worked (paid ZUS subscriptions) for 35-40 years but cannot retire because they have not reached retirement age.

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