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Small earnings registration in Poland


Jars777 20 | 70
18 Apr 2013 #1
Hello

I have a question in regards to small earnings business in Poland.

If someone has a language school and has a registered business and his wife wants to start teaching too but only a very small scale. Is there some kind of small earnings thing in Poland? I mean something that would not mean that she will have to pay full ZUS etc. Currently she doesn't pay any ZUS has she and their kids get covered by her husband. I know that ZUS is a lot cheaper for the first two years of trading, but she wouldn't earn enough to even cover the discounted ZUS. It's basically just to help her husband's business along.

Can she do something as freelancer or something like this? Surely there must be something that helps people i.e. mothers to work the occasional hours and not pay the full whack of ZUS? I know that in Germany we have the 400€ jobs and neither the employer nor the employee pays the full rates (if at all).

Thanks
J
Monitor 14 | 1,820
18 Apr 2013 #2
Normally black market solves such a problem.
OP Jars777 20 | 70
18 Apr 2013 #3
Well, I am honestly not surprised why there is such a massive black market in Poland. How can you honestly earn a "litte bit on the side" if your ZUS payment will actually make you a loss! That doesn't make sense!
Monitor 14 | 1,820
18 Apr 2013 #4
Why would you want to make a little bit of money on the side if even with whole minimum salary it's hard to survive?
OP Jars777 20 | 70
18 Apr 2013 #5
I think you might need to read my initial post again. The wife just wants to help her husband with the demand of his language school. So just help out with the lessons he cannot teach himself.
Monitor 14 | 1,820
18 Apr 2013 #6
If this is the case then husband can sign with wife "Umowa o dzieło"

wup.opole.pl/ciz/izawodowa/4_swiadczenie_pracy/porownanie_umow/porownanie_umow.htm

This type of "cywilno pranwy" agreement doesn't require ZUS payment. Although wife will have to pay income tax from all earnings in the year above minimum ~3000pln. In this type of agreement the subject is result, so you will have to write there that you will pay 100zł for teaching somebody some aspect of language for example. You cannot specify for how long and where, but should specify what should be proper result of this dzieło = "creation".

--edit
or maybe you can specify time. You should search for samples of Umowa o Dzieło for a teacher.
OP Jars777 20 | 70
18 Apr 2013 #7
Great! That's very helpful. Many thanks.
Grzegorz_ 51 | 6,161
18 Apr 2013 #8
I know that ZUS is a lot cheaper for the first two years of trading, but she wouldn't earn enough to even cover the discounted ZUS.

You mean If she set up a 1 person company... ? But she doesn't have to do that... he can just... employ her... on umowa zlecenia or some other form...
OP Jars777 20 | 70
18 Apr 2013 #9
Put then she would still have to pay around 600zl per month ZUS as she would then not be covered by his ZUS, right?
Grzegorz_ 51 | 6,161
18 Apr 2013 #10
she would still have to pay around 600zl per month ZUS

In case of umowa o dzieło I think there's no ZUS (only income tax and NFZ), ZUS need to be paid in case of umowa zlecenia (unless It is already paid in some other way) however fixed ZUS payment is only for people running a company, ZUS of those employed by someone is a fraction of their income, so it's not possible to be employed and pay more in ZUS than the income...
Monitor 14 | 1,820
18 Apr 2013 #11
One more thing concerning "Umowa o Dzieło". There is no obligation to pay for NFZ when working with this agreement, but if wife is insured by husbands depending health insurance for unemployed people, then from start of employment she loses it. In other words, no free health insurance when working with Umowa o Dzieło. Free for over 26 years old is only for unemployed:

a) registered in PUP
b) from social help
c) from employed spouse.
OP Jars777 20 | 70
18 Apr 2013 #12
So just to clarify. On this "Umowa o Dzieło" she would only have to pay ZUS 52 (Ubezpieczenie zdrowotne (Składka 52) – 254,55 zł) and not 51 and 53? Or am I getting confused with everything now?
Monitor 14 | 1,820
18 Apr 2013 #13
ZUS - is retirement insurance
NFZ - is health insurance
When working with Umowa o Dzieło this 2 payment are optional (can be payed separately from this agreement), but then employee cannot go to hostpial or doktor for free or retire after age of 60/65.

I don't know to which numbers are you relating above. Probably PIT, but I don't remember what is the number of each field in PIT.
Grzegorz_ 51 | 6,161
18 Apr 2013 #14
Personally I'm not an accountant, they better ask their accountant to explain details... but you seem to be still confusing being self-employed (running 1 person company) with other forms in regard to ZUS, when one is not a company owner, there is no fixed ZUS payment... It's then x % of the earnings...
OP Jars777 20 | 70
18 Apr 2013 #15
Ok. Yep, sorry.. I did get confused. They will definitely check with their accountant. I just wanted to try and find out.

Thank you for your help all!


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