The Social Insurance Institution has launched a peculiar mechanism, which for thousands of Poles can mean a real revolution in planning the future. Born between 1949 and 1969 they have been given the chance to quit before the general rules laid down this. This is simply a unique chance aimed first of all at those who have been doing work for years in conditions that endanger wellness or require superior psychophysical performance. However, this program is not for everyone – ZUS sets clear and strict conditions, and their failure, even by the slightest omission, can close the way for the earlier service. Not only the papers we have, but besides the cognition of strict deadlines that are unforgivable, prove crucial. Many people may not realize that 1 day of hold in submitting an application is giving up the full opportunity.
Who can benefit from early retirement? Key conditions
The right to early retirement, frequently called a bridge, is granted to a narrow but specifically defined group of people. The basic criterion is the date of birth – the programme covers only persons born 1949-1969. But this is only the beginning of the requirements. The most crucial condition is to paper work in circumstantial conditions or of a circumstantial nature. What does this mean in practice? It's about professions that affect above average body burden and risk.
ZUS precisely lists the industries and positions that qualify for the programme. These include:
- Mining and metallurgy: working underground, in large furnaces and in another utmost conditions.
- Chemical industry: vulnerability to harmful substances.
- Transport: professional truck and bus drivers.
- Uniform service: any positions in police, military or fire department.
- Artistic work: dancers, acrobatics and another artists whose profession requires exceptional physical performance.
It is crucial that the duration of specified work be determined by time before 1 January 2009. In addition, the candidate must show an appropriate traineeship, including contribution and non-contributory periods, which is individually verified by the Social safety Office. Without a set of work certificates and certificates confirming the nature of the employment, the application will be rejected.
Key condition: What about the money at OFE?
One of the most overlooked and at the same time absolutely crucial conditions is the position in the Open Pension Funds. In order to be able to apply for early retirement from the Social Insurance Institution, the candidate cannot be a associate of the OFE. If a individual has joined the second pillar in the past and inactive has the funds collected there, he must apply for all transfers to the ZUS subaccount. This is an absolute and non-negotiable condition.
In practice, this means making an informed decision not to invest funds by the Open Pension Fund. This process is simply a formality, but requires an appropriate declaration. ZUS verifies this position very thoroughly. An effort to apply for early retirement while remaining at the OFE will end with an automatic refusal decision. Therefore, it is worth checking your position in the strategy before the procedure begins and, if necessary, completing the formalities for the transfer of capital. It is 1 of those “hooks” that many ignorant candidates stumble over.
The word is simply a trap. erstwhile do you apply so you don't lose your chance?
The biggest trap in the full process is the deadline for submitting the application. ZUS defined it in an highly precise and impenetrable way. An application for early retirement must be submitted no later than the day before the general retirement age. That means women gotta do it before their 60th birthday and men gotta do it before their 65th birthday. Submission of papers on a birthday or later is tantamount to losing the right to this benefit forever.
This rigorous request makes prior preparation of all the documentation essential. The process of collecting work certificates, employment certificates under circumstantial conditions and another essential writings may take weeks or even months. Waiting for the last minute is simply a immense risk. Experts advise you to start filing papers at least a fewer months before the scheduled deadline. The application (ZUS Form Rp-1E) shall be accompanied by all papers confirming the contribution and non-contributory periods and, most importantly, work certificates certifying employment under peculiar conditions. Each day of hold shall be detrimental to the applicant.
What can be gained and who will be left with nothing?
Taking advantage of this chance is primarily an chance for early termination of professional activity and deserved rest. For those whose wellness has been strained by years of hard work, it is simply a priceless chance to avoid further effort. Although the amount of the benefit is calculated on the basis of the capital raised and may be lower than the pension obtained at the general age, the benefit is time and health.
Unfortunately, not everyone will be able to benefit. Those who:
- They'll be late to file the application. - Not even a day.
- They will not paper the required traineeship under peculiar conditions.
- They're not going to donate money from OFE to the ZUS subaccount.
- They do not meet the age criterion (born before 1949 or after 1969).
ZUS calls for all persons afraid from eligible years to verify their employment past and position at OFE. This is simply a one-time chance that missing may mean working a fewer years longer in hard conditions. Careful preparation and monitoring of deadlines is the key to success.
Read more:
Were you born in those years? ZUS gives the gate to early retirement. 1 mistake and he's gone.
