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Polish private pension - is it obligatory to join?

hapika7 2 | 2
25 Nov 2013 #1

I will soon start working in Poland and so far everything seemed to be clear except one thing. Can someone tell me if it's obligatory to join a private pension fund or is it optional? I've heard there was a change in the regulation recently.

smurf 39 | 1,952
25 Nov 2013 #2
If you will be self-employed or you set up your own business then yea you'll have to pay money to Zus.
For the first 2 years, it's not so expensive, I think it's around 550zl....I don't remember exactly, but after those two years it around 1000zl and you have to pay it every single month.

And your taxes too.
Poland's a bit of a rip off.....but if you're going to be employed by a company then they pay your tax and your tax.
OP hapika7 2 | 2
25 Nov 2013 #3
I will be employed, so I don't need to care about the taxes. But my question is, if I need to join a public pension fund or all my contribution goes to the state?
Monitor 13 | 1,816
25 Nov 2013 #4
you have no choice.
smurf 39 | 1,952
25 Nov 2013 #5
You need to join it, work will do it for you.
And then when you're 67 (!), the Polish government will give you one of the worst pensions in Europe.
Harry84 2 | 81
11 Jul 2016 #6
Is it mandatory to pay pension by foreigner who are working in private sector(like sp.z.o.o.) in poland ?

cms 9 | 1,254
11 Jul 2016 #7
If you mean is it mandatory to contribute to ZUS then yes, if you are employed by a Sp z o.o.

There might be an exception if you are paid as a director - I am not up to speed on those rules, but I think they closed that loophole several years ago. In any case it made no sense to the individual - your Sp z o.o saved money but you had no contributing service which means that if you go back to another EU country then it might have been an interruption to your pensionable service.
polishinvestor 1 | 361
11 Jul 2016 #8
Recently the current government have been talking about moving part of the burden onto the private sector by forcing employers to set up private pensions for employees. This would go in hand with state pensions. Details are sketchy, they are at this stage just throwing out ideas looking for feedback. While debt to GDP is a very respectable 51%, if you include pension liabilities then its somewhere in the region of 200%. I dont think there will be quite as many pensions to pay out in the future and size of packets might be overestimated (thats my own personal view), but something needs to be done to bring the pensions black hole back in line.
15 Jan 2018 #9
Hi guys!
I work for a polish company (Sp Z o.o.), but I don't live in Poland. How can I find out if my employer pays the contributions to the pension fund (ZUS)? Is that mandatory, or the employer can just pay only for the health insurance?

Thank you!
gumishu 14 | 6,288
15 Jan 2018 #10
I'm not sure about now as I am on disability - but in the past employers often evaded paying ZUS contributions for their employees - but a lot of has changed since then so I don't know now - I think you should have a Polish PESEL (national idetnification number) to be able to check the amounts that has been paid into ZUS on your name
18 Jan 2018 #11
I have a PESEL, but I can't find anything on-line to check at ZUS...
gumishu 14 | 6,288
18 Jan 2018 #12
just checked it - you cannot check if your employer pays ZUS contribution for you online - you can do it either in person in a ZUS branch or through (snail) mail - i'll try to figure out addresses you can send your request to (I guess you need to use Polish in the letter)
delphiandomine 87 | 18,086
19 Jan 2018 #13
Of course you can, Gumishu.

You can even just register/log in using your banking details. I've just checked mine, and it shows everything for the entire time that I've been in Poland.

PiS have done a very good job of continuing what PO started with the digitalisation of services, and the last minister for digitalisation was the one who had the fantastic idea of allowing users to authorise themselves through online banking.

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