退休年龄-为什么仍在讨论提高退休年龄？

Not many children are being born, there are many people of retirement age, society is aging. Now it is the case that more people are receiving pensions than those who are paying into the system. It is getting worse from generation to generation. They will have to raise the retirement age sooner or later because the pension system will not withstand this.

In order for you to work for them as long as possible, have nothing, and be happy ;) It wouldn't surprise me if they shortened the time of education and at the same time extended the retirement age. You are not supposed to earn money or develop yourself. You are supposed to be an obedient robot who will pay taxes for as long as possible, and it would be best if you lay in a coffin once you retire. They wouldn't have to "support" you then. 🙂

And in sum, higher education is not mandatory, and what's more, even if you graduate with your dream diploma, you often won't end up working in that field. So it's better, from a time perspective, to acquire a profession through work.

Therefore, the current first pillar pension system is based on the capital accumulated by each insured person in ZUS divided by the statistical number of months lived.Since statistically, the number of months lived will increase, the pension benefits in 5, 10, or 20 years will decrease, affecting the so-called replacement rate.A pathology of the current system is the so-called minimum pensions, which cause, for example, a cleaner who has worked for about 42 years with a salary close to the minimum and capital accumulated in ZUS at the level of 1.7 million PLN to receive the same minimum pension as a female entrepreneur running a very profitable business, paying minimum contributions for 20 years, which resulted in accumulating only about 700,000 PLN in ZUS.That's why it's so important to have a second, and above all, a third pillar of the pension system (IKE, IKZE, OIPE, PPK, PPE).

If I were a working woman, I would defend the current retirement age, as the introduction of the so-called senior tax relief in 2022 allows a woman to continue working after reaching the retirement age of 60 while earning a tax-free income of up to about 115,000 PLN in 2024 and at the same time increasing their future pension.There are two advantages:1. Retirement security at the age of 60,2. A very effective incentive for further work for those women who want and can continue their work.For men, this possibility opens up after reaching the age of 65.Therefore, if someone plans to gradually equalize and increase the retirement age, for example, to 67 years old, let them keep these tax benefits as compensation for those workers who will be in the transitional period.

Another important element that makes the first pillar of the Polish pension system (ZUS) paradoxically discriminatory towards men is the averaged way of calculating the average life expectancy, which is the same for men and women.The result is that a woman and a man who have accumulated the same capital in ZUS have the same amount of pension, which contradicts the life expectancy statistics for men and women, who statistically live shorter lives than women.

The next strange element of the first pillar of the Polish pension system is the rule that those who earn the most have their pension contributions deducted up to a certain income level. Above this level, the contribution is not collected.As a result, such individuals will achieve a replacement rate at a level not exceeding about 10-20% of their last salary, and if they want to function in retirement with expenses at the level of their last salary, they must necessarily invest for their retirement on their own.