ZUS warns: In these cases the application for conversion of the pension will be rejected

More and more Polish pensioners are trying to increase their benefits by submitting Recalculation applications. However, Social Insurance Institution (ZUS) clearly indicates the situations in which specified an application will be rejected. The latest informing from the institutions clearly underlines that the efforts of elder citizens will end in disappointment without gathering certain requirements. Check erstwhile it is actually worth applying for a higher pension, and erstwhile filing an application makes no sense.

The function of ZUS in the pension system

Social Insurance Institution plays a fundamental function in the Polish pension system. The institution shall be liable for:

• Collection of pension contributions employees, entrepreneurs and another persons covered by social security.
• Keeping individual insured accountswhere detailed information on the payments is recorded.
• Establishment of the right to a pension and to calculate its amount on the basis of accumulated capital and traineeship.
• Annual value of benefits in March, protecting pensioners from the effects of inflation.

Today, in the face of an ageing population and a declining number of active people, ZUS faces challenges that may affect the stableness of future pensions.

When can you apply for a pension conversion?

In accordance with the applicable provisions, Recalculation request may be submitted where:

• The pension will present fresh documents certifying employment or the amount of earnings.
• Reveal fresh contribution or non-contributory periodswhich were not previously included.
• Additional contributions will be added obtained from professional work performed after the granting of a pension.

The procedure shall include the completion of the form ERPO, available in ZUS and online branches. Complete application can be submitted in person, by post or by electronic means, and ZUS has 60 days to make a decision.

When will ZUS reject the application?

Iwona Kowalska-Matis, regional press spokesperson ZUS in Lower Silesia, clearly points out: ZUS He's not doing his own research. missing documents. This means that the application for conversion of a pension will be rejected if:

• Pension will not present fresh documents on earnings or premium periods.
• I won't paper New revenue achieved after the granting of the pension.

No fresh data means that filing an application is pointless and results in negative decision.

Common misunderstandings: Military book and another documents

Many seniors apply based on supporting papers Military service. ZUS emphasizes that only previously unpaid service period may be included. If this time has already been taken into account in the first calculation of the pension, the fresh proposals will not work.

The importance of 1999 for the anticipation of conversion

The difference between:

• Before 1999 – erstwhile ZUS did not keep individual accounts insured. Then there is simply a better chance of uncovering missing premium periods and obtaining a higher pension.
• After 1999 – all contributions are scrupulously recorded in insured accounts, which importantly limits the anticipation of uncovering undocumented periods.

For those who worked mainly after 1999 and did not proceed to work after retiring, the chances of an effective conversion of the benefit are low.

Risk of simplification of benefits

Please note that the recalculation of the pension does not always lead to a raise. In complex cases, e.g. in the case of early collection of benefits before reaching retirement age, fresh calculations may consequence in reduction of pension amount. Therefore, prior to submitting the application, consultation with the ZUS advisor or independent specialist is recommended.

For many pensioners, especially those receiving the lowest benefits, the anticipation of recalculating a pension is an chance to improve the financial situation. However, awareness of conditionsWhat needs to be met to successfully apply for a rise is crucial. Submission without fresh papers or evidence is an unnecessary waste of time and a origin of disappointment. The pension strategy in Poland faces serious challenges, so it is worth making informed decisions about its benefits.