The earning limits apply to pensioners and early retirees who have not reached the common retirement age of 60 for women and 65 for men. These people must settle the income earned in 2025 by the end of February.
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ZUS settles them on the basis of a certificate from the employer regarding the amount of earnings and a declaration of a person running a business (with a declaration of the basis for calculating contributions), information on income from work abroad and data on remuneration for sitting on the supervisory board.
In order for ZUS to choose the most advantageous settlement method (monthly or annual), it is worth submitting a certificate detailing your earnings in individual months.
Even if your limit is exceeded in some months and not in others, annual settlement may avoid a reduction or suspension of your benefit.
ZUS has set limits on additional income for retirees. These are the thresholds
In 2025 the allowable annual amount of revenue was PLN 72,562.00 gross (70% of average salary), a the limit annual amount of revenue was PLN 134,757.80 gross (130% of average salary).
Exceeding the first threshold may result in a reduction of the benefit, and the second – its suspension.
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As a rule, people who have reached the general retirement age, they can earn extra money without restrictions and do not have to inform ZUS about their earnings.
The exception are people who reached retirement age in 2024 but received an early retirement pension earlier – they must settle income earned before the month of reaching retirement age.
The limits also do not apply to:
- persons receiving a survivor's pension and at the same time entitled to a pension upon reaching the general retirement age,
- people receiving a partial pension,
- war and military invalids whose incapacity for work is related to service,
- people receiving survivors' pensions after such disabilities,
- secondary school students and students up to 26 years of age receiving a survivor's pension and working under a mandate or agency contract.
Failure to settle on time may result in the need to return unduly received benefits.
