Every year in June, ZUS makes a capital index, which leads to an increase in the value of the donations collected in ZUS accounts. As a result, it is worth waiting to retire until the second half of the year, when the increase is already credited to the account. The indexation of pensions only applies to benefits that have not yet been paid.
Pension index. From July, benefits will be higher
The cash balance accumulated in retirement accounts will be increased by ZUS in June, so it is worth delaying retirement at least until July. The more we have accumulated in ZUS and the older we are, the better the index of the capital accumulated in the ZUS account is for us.
In 2024, up to 300,000 people are eligible for retirement benefits. people. Even if you can resign in the first half of the year, it is better to submit your application in the second half of the year. This year, the pension capital index can be extremely high – according to “Dziennik Gazeta Prawna” forecasts, it may be up to 14.8 or 14.9 percent. values.
From July, the elderly will be able to count on higher pensions
Pension index. Up to PLN 500 extra for seniors
In practice, pensions will be higher, at least several dozen zlotys, and in some cases even by PLN 500 or more. For example, a senior who collected PLN 600,000. PLN in his ZUS account, before the capital index he can count on a pension of PLN 3,389. After the June index, the capital of his individual retirement account will increase to PLN 686,000. PLN, which means that his profit will amount to PLN 3,875, ie almost PLN 500 more.
An index pension is not for everyone
Unfortunately, not everyone has the opportunity to receive a higher pension from July. Capital indexation only applies to those who are not yet receiving a pension. If we are already receiving the benefit, from July it will be in the same amount as before. The March index, in turn, increases the benefits already received and older retirees can count.
2024-05-09 07:56:20
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