The "thirteenth pension" has become a crucial financial support system for Poland's elderly population since its introduction in 2019. Designed to assist retirees receiving the lowest pensions, this one-time cash benefit aims to reduce social and economic inequalities among senior citizens. As of 2024, approximately 8.5 million pensioners and retirees benefitted from this initiative, receiving a financial boost that many consider invaluable.
However, not all pensioners are eligible to keep this additional financial support. According to the Social Insurance Institution (ZUS), those who exceed certain income thresholds may be required to return their thirteenth pension. Specifically, if a retiree's total income exceeds 130% of the average salary by the end of August, and their pension has been suspended, they will need to repay the benefit.
To avoid having to return the thirteenth pension, retirees are encouraged to monitor their income levels regularly. If their annual income does not surpass 30,000 PLN, they can apply to ZUS using the EPD-21 form to avoid income tax advances, potentially increasing the amount of their thirteenth pension.
As of March 1, 2025, pensions and annuities in Poland underwent a 5.5% indexation, marking the lowest increase in several years. This adjustment raised the minimum pension from 1780.96 PLN gross (approximately 1620.67 PLN net) to 1878.41 PLN gross. Consequently, the thirteenth pension for 2025 will match this amount, providing additional financial support to eligible seniors.
Despite the positive impact of the thirteenth pension, there are specific professional groups that are ineligible to receive it. This includes judges, retired prosecutors, and athletes collecting Olympic pensions. Furthermore, retirees who are still working and receiving early retirement benefits must adhere to new income limits established on March 1, 2025. For instance, earning up to 5934.10 PLN gross (70% of the average salary) will result in a reduction of benefits, while earnings exceeding 11020.40 PLN gross (130% of the average salary) will lead to suspension of the pension.
For those who have already received their thirteenth pension, the first payment date for 2025 is set for April 1. Payments were dispatched to postal services on March 27, with transfers to banks occurring on March 31. While many retirees eagerly await these payments, it is imperative for them to be aware of the income limits that could affect their eligibility.
In summary, the thirteenth pension serves as a vital financial lifeline for millions of Polish retirees, helping to alleviate some of the economic pressures faced by the elderly. However, understanding the eligibility criteria and income limits is essential for retirees to avoid any potential financial setbacks. As the program continues to evolve, it remains a focal point in discussions about social welfare and support for Poland's aging population.
