Pension plans in Warsaw


Poland has a modern and relatively efficient pension system. Pensions are entitled to individuals who reached retirement age. The retirement age in Poland is currently 60 years for women and 65 years for men.

The pension payout is dependant on the cash balance that a person accumulated throughout total employment period. Retirement insurance is diverted from the salary and make up for 19.52% of remuneration (equal employer and employee contribution of 9.76%).

The Polish pension system is composed of 3 pillars:

  • 1st pillar (obligatory) - a superannuation (12,22% of remuneration) is paid to ZUS (Zaklad Ubezpieczen Spolecznych), a state owned, national insurance;
  • 2nd pillar (quasimandatory) - a superannuation (7.3% of remuneration) is paid to an insurance fund, chosen by an employee; this contribution is exempted from income tax and is heritable
  • 3rd pillar (mandatory) - individual retirement programmes including Employee Retirement Programmes (PPE) paid by employer and Individual Pension Schemes (IKE) paid by employee


Update 17/04/2008


Facebook Twitter LinkedIn Pinterest Addthis

Recommended Partners

When you move internationally you are taking a big step. Lots of things are changing and you have a million things to think about and take care of. If you are able to select a top of the line moving company that moves for a modest price, it can take a big weight of your shoulders in busy times.

Our network of international removal companies can move your furniture & possessions to Poland and anywhere overseas.

Filling in the form at the bottom will allow you to request up to 5 quotes from various moving companies. This service is free of charge and will help you select an international moving company that suits your needs and budget.

Do you have comments or personal information to communicate about this article? Add your comment.

Find more definitions and general answers on expatriation issues in the Expat FAQ (Frequently Asked Questions).

Go to the Forum to talk more about pension plans in Warsaw, at work.