Many in our country are interested in what kind of retirement age in Poland, therefore this is the issue we will consider further in the article. It should be noted that the amount of pension in Poland is decent, and local pensioners have enough money paid by the state in order to live not poorly.
In 1999, a pension reform was carried out in this country , which turned out to be very successful and its results can be observed today.
So, any citizen of Poland is allowed to open an individual pension account in a bank and add about 20% of his salary there, but this is not the only interesting moment in calculating a pension, so we will consider them in more detail.
How are pension savings arranged?
As mentioned above, each working Pole has the opportunity to take care of his pension in the future, for this he needs to make 20% of the deductions to the fund from his salary every month. All this money can be distributed as follows:
- about 12% goes to insurance;
- the remaining 8% - to the account in a pension fund.
In addition, citizens have the opportunity to open their own account, which can ensure normal old age. About 85% of the total population of the state participate in the individual pension system.
What time do they retire in Poland
An important role is played by the retirement age in Poland. The fact is that since 2012, a resolution was adopted according to which the retirement age in the state will gradually increase.
So, for men it will increase until 2020, and for women until 2040. Thus, one could retire at the age of 67.
But in 2016, this bill was revised and the retirement age was lowered in Poland, so men can be considered full-fledged pensioners at the age of 65, and women at 60. It is still unknown whether new laws will be passed, as the EU was extremely dissatisfied with such a turn of events, because because of it there is a risk of high budget expenditures, which is undesirable in the current conditions.
The decrease in the retirement age in Poland caused a lot of controversy. On this basis, trade unions decided to propose taking into account the length of service of citizens, and today it is 35 years for women and 40 for men.
What is the pension in Poland?
It should be noted that pensions in Poland are much smaller than, for example, in Germany or England, but more than in Ukraine.
In 2017, a law was passed which reduced the retirement age in Poland, but a certain number of working years of service is a prerequisite.
So far, a decision has been made, according to which men should have 20 years of experience, and women - 15. Now the pension in Poland is 2,000 zlotys.
What is the size of the pension and retirement age for teachers and the military
Teachers in this country can expect a rather large pension, because it makes up half of their salary. On average, a teacher earns 800 euros, and if you divide this amount in half, then, having retired, a person will be able to receive 400 euros a month.
Unlike other countries, it is unlikely that a Pole will be able to retire early ahead of schedule, since the main condition for her accrual is the existence of a 30-year experience. In general, the retirement age in Poland is 60 years for female teachers and 65 for men.
By the way, the largest pensions here are received by military personnel, while the conditions for this are a little simpler than that of teachers. Even a simple soldier can retire if he has at least 15 years of work experience. In Poland, the retirement age of women associated with the military profession reaches 50 years, for men - 55.
What is a senior citizen card
Citizens residing in Poland can safely receive their pension and work additionally at the enterprise or in any other organization. As a rule, they try to get a relatively easy job.
An important role for a Polish pensioner is the presence of a Pole card. It is issued in certain departments, and for this a citizen must live in the country for about 1 year. Despite the retirement age in Poland, on this card its holder can receive a monthly allowance from the state, which is 140 dollars. Women who have twenty years of experience and men of 65, with experience of 25 years, can apply for it to the department.
How the state helps its retirees
Interestingly, if citizens receive a pension of 1,500 zlotys, then they are also provided with additional benefits:
- Such people can be served free of charge in paid clinics.
- For housing and communal services they pay only half of the total amount.
- If a pensioner is already 75 years old, then he can count on free medications or get an excellent discount on them.
- The benefits also apply to payment for travel, for example, you can travel for free in public transport throughout the country.
- And twice a year, you can get a train ticket for free and go on a tour in any direction.
There are some categories of pensioners who need additional care, in which case they have the opportunity to contact a special service. But then it will be necessary to prove that this person is really lonely and that he has no relatives.
How to calculate the minimum and average pension in Poland
Most pensioners in this country are quite happy with everything. And the retirement age in Poland is not the most important thing, since you can count on normal payments with a sufficient amount of seniority. There are people in the state who receive almost 2,500 zlotys, which amounts to 40,000 Russian rubles, but only 5% of the total population can expect such a pension.
And some pensioners can achieve additional payments assigned in such cases:
- Upon reaching the age of 75 years and determination of disability.
- In the presence of the title "Veteran of Labor" or status of a participant in the war.
- With existing state ranks.
- Orphans who were left without parents.
- Former prisoners in the camps.
If there is not enough pension, then you can get an easy job, while you can work completely officially, as this will not affect pension payments.
How do Polish pensioners live?
As you have already seen, the retirement age in Poland for men and women is different, as, in fact, the size of pensions, but this does not affect the standard of living of senior citizens, since the money paid is enough for them. For a comfortable existence, there are many auxiliary factors:
- Inexpensive food products can save a large amount of money per month, while you can buy products that are of normal quality.
- Pensioners have the opportunity to make good money, even the easiest work is adequately paid.
- If a pensioner cannot pay for housing and communal services, then the state helps him in this.
- Upon retirement, many pensioners in Poland begin to travel more, since a Schengen visa is valid for citizens of this country. For example, an elderly Pole could very well buy a plane ticket for only twenty euros.
- For a pensioner, any leisure can be affordable, for example, you can safely visit exhibitions in museums or performances in the theater at half price.
Having carefully studied all the benefits, we can confidently say that when they retire, people begin to live in a completely different way. Citizens who have reached the age of 75 are provided with many services completely free of charge, including medical care.
Despite the fact that both the length of service and the retirement age are gradually increasing in the country, now Poland has every right to be called a developed state, which takes care of the elderly. There are a number of countries that should take the experience of their neighbors and take care of their citizens in the same way. The retirement of a Polish citizen in no case can be accompanied by prolonged stress and panic, how to live on, because in this case, life is just beginning.
Also, Polish pensioners receive enough free time and money to travel a lot and see other countries at an affordable cost. As you can see, to retire in Poland means not to lose yourself, but rather to find.