There are people who, due to besides short a time to pay contributions, receive a pension lower than the minimum. The alleged fresh mediocre pensioners are about 430 1000 in Poland, and the vast majority of the group are women – the investigation of experts of the Institute of Labour and Social Affairs indicates. In their case, a shorter contribution period usually results from the request to care for children or another persons in the family. Among another reasons, mentioned by both ladies and gentlemen, are work abroad or black and mediocre health.
The pension strategy in force since the late 1990s provides for a close link between the amount of the benefit and the amount of contributions paid and the age of retirement. fresh mediocre pensioners (NBE) are those who reached statutory retirement age but have low pension capital and paid contributions to the Social Insurance Institution for little than 20 years (women) or 25 years (men).
– New mediocre pensioners are people who receive a pension lower than the minimum, which is presently at a level of just over PLN 1.8 thousand. Looking at the statistics, we see that they are primarily women who took care of children, this care lasted for more than 5 years and limited the work. Women account for almost 80% of all fresh mediocre pensioners – says Newseria agency Dr. Justyna Wiktorowicz, prof. UŁ, co-author of the report.
As indicated by the IPSS report, prepared with backing under the Ministerial discipline for Society programme, among the low benefits the vast majority are pensions of PLN 700–1200 gross. The data presented during the 5th legislature of Polish statistic show that in December 2024 over 433 1000 fresh strategy pensions were paid in the amount of little than a minimum pension. This is more than 9% more than in December 2023. The NBE group includes all 10th pensioner who retires from the fresh system. Over the last 10 years, the number of specified benefits paid at a lower rate than the lowest pension has increased 15 times. Although the majority are women, the share of men increases rapidly.
– They have been around 20% of the full population since 2020. In their case, the reason that they are in this group is primarily due to mediocre health, as well as the reluctance to work or due to the fact that they worked abroad, worked black, or are already discouraged by the ineffective search for work – mentions the expert of the Institute of Labour and Social Affairs.
Males, although little affected by this problem, if they are already in the NBE population, collect lower benefits compared to pensioners. This is despite 5 years of higher retirement age. The authors of the study indicate that men can more frequently experience long-term, strong obstacles, specified as mediocre wellness and disability or low qualifications, which prevent them from developing benefits.
The report's authors, analyzing ZUS statistics, concluded that there was no apparent readiness to extend the period of payment of insurance premiums in order to increase the amount of the benefit. The majority of NBE retires immediately after being entitled, which indicates either that there is no financial request (and so that most people in this group have access to another sources of income, specified as the provision of a spouse), or that they feel compelled to resign even if they are not satisfied with their financial needs.
– Given the situation in fresh years, erstwhile this group is increasing from year to year, it is expected that fresh mediocre pensioners will besides arrive in subsequent years – forecast by Prof. Justyna Wiktorowicz.
As he emphasises, the form of employment plays a crucial function in membership of the NBE group, namely whether contributions to wellness insurance on wages were paid.
The survey shows that about 1 in 3 people in retirement or just before it admitted that at least erstwhile she did work without a formal contract, characterized by a deficiency of payment of contributions to the Social safety Office (this includes 35 percent NBE and 31 percent PNBE, or possible fresh mediocre pensioners). For little than all 10 respondents, the dominant form of employment was civilian law contracts (11 percent NBE and 6% GNPE) and the business without contract and the absence of paid contributions to wellness and pension insurance (10 percent NBE versus 8% GNPE). In the case of persons who have identified as dominant employment in civilian law contracts, it is useful to find whether they have been paid pension contributions. More than half of the respondents employed in this way (51%) experienced non-retirement insurance contributions, and a large group is not certain (9%) of NBE compared to 15% of GNPE.
– About all 10th individual in this group besides worked abroad. Most of this was a occupation that lasted longer than a year and in most cases no wellness insurance contributions were paid from this job. These people, erstwhile they return to Poland, are feeding the category of fresh mediocre pensioners – This is an IPSS expert. – In the case of fresh mediocre pensioners, of course, it is besides late for recommendations. What you can advise [future pensioners – ed]. in specified a situation, is to avoid already contracts that do not affect shelling, but besides to avoid various exemptions that lead to the fact that pension capital is simply low.
According to the authors of the report, pension recipients below the minimum will be a crucial burden on the social assistance system, especially as 80% of them will be the main origin of livelihood. Therefore, the improvement of solutions limiting the scale of this problem is an crucial task and an crucial challenge for institutions to do so.
For: newseria.pl
