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Let’s assume for a moment that the the next 25 years in Poland, there would be increases and decreases in inflation, wages, GDP, etc. In other words, full of constants. And now let’s take a worker who, throughout this period is employed under a service contract and full-time jobs with a salary of minimum (1750 zł gross). For a quarter century, reliably pays contributions, and ending their professional activity, receives … 492 zł gross pension, which is only 28 percent. wages (compared to current minimum pension is 880 zł). It is true that in such a situation, the state will have to pay extra for the lowest benefit him, but then the same thing will be in serious financial trouble.
This is the exact calculation taking into account not only the present rules and the amount of contributions, but also a new way of several agreements ozusowania -zleceń one person, which is to take effect from 1 January 2016. At that time limit will be introduced oskładkowania amount equal to the minimum wage.
– This solution will increase the effects on future pensions – says the government. But – as shown by our calculations – it is not enough to provide a large number of Poles lowest benefits. How large? “From 25 to as much as 50 per cent. In 2060. There they gather in their accounts in Social Security funds sufficient to obtain the minimum pension and the state will have to pay extra to benefit them,” – writes in his report, “How to mobilize additional retirement savings,” Stefan Kawalec, former deputy finance minister, now president of consulting firm Capital Strategy. Agree with the other experts.
– If you do not radically change the way we save, we will have to enter the civil pensions – says prof. Leocadia Oręziak from the Department of Finance for International School.
And what about all the Ministry of Finance, who would have to pay extra for seniors? – The government is aware that the pension system is not finished – equivalent to Deputy Minister Izabela Hazel. On the other hand, according to Stefan Kawalec payments can be reduced to the minimum pension, developing the third pillar.
Bozena Wiktorowska
January 22, 2015
Source of information: DGP
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