Women, who often receive lower pensions than men due to lower earnings during their working life and career breaks to care for children or other family members, are increasingly faced with the need to find an additional source of income. Why work is crucial for them at the protection and retirement age. The answer can be found in the statistics.
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See also: A way to get a higher pension. Expert: giving up ZUS is a mistake
Women’s pensions are lower. This encourages them to work
The Central Statistical Office data are clear – The average pension for women has been at least 30% lower for years. lower than the average men’s pension. The average gross pension paid by ZUS was PLN 3,311.61, with the average men’s pension being PLN 4,103.07 gross, while the average women’s pension was PLN 2,792.86 gross.
Moreover, 42.5 percent women entitled to receive a pension receive an amount of up to PLN 2.4 thousand. PLN per month. Pension over PLN 3,000 PLN is collected by approximately 34.5 percent. In the range of up to 3 thousand PLN, the percentage of men receiving pensions is lower than in the female population. However, from 3 thousand PLN up to PLN 3.2 thousand PLN and in each subsequent interval the percentage of men receiving a pension is higher than in the female population. The largest percentage of men receives a pension of PLN 4,000 to PLN 4,500. zloty.
Women work more often already during the protection period
Lower pensions are one of the reasons for the trends visible in the study conducted by OLX. It follows that “both during the protected period and at retirement age, women are more often professionally active than men. This situation is influenced by age (men retire at a later age, so after the age of 65 they are less likely to work) and the professions performed, which predispose to earlier retirement, and are dominated by men (e.g. uniformed services, miners). – we read in the study.
More detailed data is also interesting. “Yes, I work” answered 67 percent. respondents, “no” – 33 percent Of which, before the protection period, this proportion is even more pronounced – it is 83 to 27. And during the protection period, 71 to 29.
70 percent women answer the question “do I work” affirmatively – 30 percent. denies. In the case of men, the ratio is 64 to 36 – research shows.
Retired women often find employment in sectors with flexible working hours, such as retail, health care and social assistance, as well as education and services. Employment in these areas allows them to better adapt their professional duties to individual needs and preferences, which is particularly important in the context of possible health restrictions.
It is clearly visible that silvers want to rest and find time for other activities outside of work or travel. Interestingly, these needs are very similar to those declared by Generation Z. However, this desire to breathe does not have to eliminate professional work. Flexibility of both parties is important: both the employer and the employee-silvers. Part-time work, more vacation days, possibility of taking unpaid leave. There are many ways to encourage cooperation among those silvers who, on the one hand, were looking forward to retirement and, on the other hand, knew that they would miss work. – says Piotr Chwiedziewicz Growth Manager at OLX Praca
Women have less pension capital
Maintaining professional activity is crucial for women. The gender pay gap means that women have, on average, up to 30% less less retirement savings. Staying active longer professionalism helps to eliminate this difference at least partially.
The main reasons for greater professional activity in retirement include not only economic issues, but also the desire to maintain social contacts, a sense of purpose and active participation in social life. Professional work not only allows you to improve your financial situation, but also contributes to better mental and physical well-being.
All over the world, people have to work more
There are also other reasons for higher professional activity. They are described in the OECD report. The authors of the study emphasize that in many countries, real wages are falling in all industries, but to a lesser extent in low-wage industries.
Of the 31 countries where data is available, in the first quarter of 2023 real wages in low-wage industries performed better than in middle-wage industries in 18 countries and better than in high-wage industries in 22 countries. Real wages in low-wage industries were worse than real wages in both medium- and high-wage industries in only six countries, according to the Employment Outlook 2023 report. The reasons are clear – the rising costs of living, health care and medicines mean that almost everyone has to work more – including people of protection and retirement age.
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2024-02-04 19:31:28
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