Choosing a specific retirement month can significantly affect the amount of your benefit. ZUS has decided to advise in advance what differences await people finishing their jobs in February and July 2026.
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The decision on the date of retirement has a real impact on the amount of future benefits. This is due to the principles of indexation of contributions and benefits, which can increase your pension by up to several hundred zlotys per month. Therefore, it is worth planning this step well so as not to lose on an unfavorable date.
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As explained by the Social Insurance Institution, people who decide to end their professional activity in February 2026 will benefit from the annual indexation of contributions for 2024 and quarterly indexation until the third quarter of 2025.
Additionally, their pensions will be subject to benefit indexation effective from March 1, 2026. This means that their benefit may be higher than in the case of other dates.
Are you planning to retire from 2026? The choice of date matters
For comparison, Polish women and men who will retire in July 2026 will benefit from the annual indexation of contributions for 2025 in June 2026. Contributions written after January 31, 2025 will be subject to indexation for the first quarter of 2026.
This solution may be beneficial for people who plan to work and pay contributions longer.
To make the best decision, it is worth checking your situation on the eZUS platform or consulting a ZUS pension advisor. According to the Social Insurance Institution, you can seek professional help in every facility.
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The advisor is supposed to calculate a projection of your future retirement. This way, you can verify the amount of benefit you will receive if someone decides to retire in six months, a year or even later. Thanks to this, you can not only find out which date will be the most advantageous, but also help answer the question: “When should I apply for retirement?”
