Social Insurance Institution (ZUS) introduced widow’s pension calculatorwhich will aid rightholders choose the most advantageous option of benefits. This modern solution takes into account various combinations of benefits, income limits and changes in regulations that come into force in 2025.
ZUS Calculator – how does it work?
ZUS created a tool that automatically analyses the financial capabilities of applicants widow’s pension or linking it to another benefits specified as pensions. The calculator shall include:
- full household pension and a percent of the pension,
- current income limits,
- Amendment of the provisions since 2025, including a gradual increase in the percent of own benefits (from 15% to 25% in 2027).
This allows the user to get precise data on his financial situation and make the optimal decision.
How to usage the calculator?
To usage the calculator, you request to have an account for ZUS Electronic Services Platform (EUZUS). Users who do not yet have it can easy make an account with the aid of ZUS consultants. The calculator is available free of charge on the ZUS website, allowing for fast and convenient access.
ZUS emphasizes that this tool will be especially useful for people who have the right to many different benefits, but are not certain which 1 to choose to get the best financial option.
What changes the fresh regulations?
Changes in the Polish social safety strategy introduced since 2025 enable widows and widowers to join family pension with his own pension. There are 2 options:
- Full survivor’s pension and 15% of your own pension.
- Full retirement and 15% household pension.
This change allows greater flexibility and adjustment of benefits to individual needs. In addition, since 2027, the percent of own benefit will increase to 25%which will further improve the financial situation of the eligible.
Conditions for obtaining a widow’s pension
In order to be entitled to a widow’s pension in 2025, certain conditions must be met:
- Appropriate age or inability to work.
- No fresh marriage.
- Submission of an ERR application and a EYD form at the latest by June 30, 2025.
The submission of papers from January 2025 will let the payment of benefits to begin from July of the same year.
Why is the ZUS calculator so important?
The fresh tool of ZUS is simply a consequence to changing needs of Poles, especially in the context of rising cost of living. The anticipation of precise calculation of the most advantageous benefit option avoids errors and failure of part of your money.
Experts point out that the calculator is besides a large facilitation for seniors who frequently have difficulty moving in complicated regulations. ZUS ensures that the tool is easy to usage and available besides for people little acquainted with technology.
Will the calculator fulfill its task?
The first opinions on the fresh tool are positive. Users praise its intuitiveness and accuracy in data analysis. The introduction of the calculator is besides another step in the digitalisation of ZUS services, which can aid to increase the efficiency of the full system.
However, any experts indicate that the success of the calculator depends on the quality of its promotion. "Many people who could usage this tool inactive do not know about its existence," says economist Jan Kowalski.
New ZUS widow pension calculator is simply a applicable tool that can importantly facilitate the lives of thousands of Poles. By precise calculation and by taking into account the changing rules, it allows the choice of the most favourable benefit option. In conjunction with the amendment of the law, which entered into force in 2025, it gives a real chance to improve the financial situation of persons entitled to widow’s pension.
Continued here:
New ZUS tool: how to calculate the most favorable widow's pension?
