“In the end, all decisions that we make during our professional life are important,” he explains.
According to ZUS data, in February 2025 the highest pension was 48.7 thousand. zloty. After valorisation in March, it increased to 51.4 thousand. PLN gross. Bartosz Gaca explains that the man receiving the service performed primarily managerial and scientific functions.
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“He retired at the age of 86, today he is 91 years old. He documented over 67 years of internship, including 62 years of contributory periods, during which he accumulated retirement capital, which exceeded PLN 2.4 million” – explains the expert. He adds that among the record holders there is also Górnik from the province. Lublin, who has a pension of nearly 33 thousand. PLN per month.
Bartosz Gaca emphasizes, however, that women can also count on high benefits. He gives an example of a lady who, after 61 years of mental work, retired at the age of 82. Now she gets 40,000. PLN pension per month.
The deadline when we retire can be of key importance. It turns out that a woman who retires at the age of 65 instead of 60, you can count on a benefit up to several dozen percent.
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The expert explains that if a man born in 1957 with insurance experience 49 years old retired in 2022 at the age of 65, he would get 9.4 thousand. zloty. Today, after valorisations, this amount would already be 12.7 thousand. PLN, and taking into account that this person worked three years longer, could count on 16 thousand. zloty.
“Pure mathematics! Delaying the moment of retirement always pays off,” says Ekpsert. He also realizes that you can not work longer in all professions.
“Penny pensions”. You have to be careful
There is also a second pole, or “penny pensions”. As an example, Bartosz Gaca gives a woman running a company for 21 years – she paid preferential contributions and the activity was not registered. “When her insurance internship was converted in an amount proportional to the basis for calculating contributions, it turned out that she did not meet the requirement of 20 contributory years,” says the expert. In such a situation, the benefit cannot be increased to the lowest pension.
People working full -time must also be attentive – especially those who often take on free holidays or not guarded whether the employer reported them for compulsory insurance. Gaca emphasizes that “in the end all decisions we make during our professional life are important.” It reassures, however, that now everyone has their own individual ZUS account with insurance history. We can also check it ourselves through PUE ZUS or E-ZUS.
