Do not like – nay, hate! – Many state institutions. We complain to the police and the courts, at the parliament and the IRS, which takes us money. But on this long list of hated are undisputed leaders. The National Health Fund, which according to curse, setting up in queues to doctors. And the Social Insurance Institution. The latter is – Polish paradox – disliked by all. By employers but also employees. By retirees. Sick and convalescent. Even by his employees. And also, what’s pretty funny, by the politicians. Those who are currently in power, as well as those to her followers. They are afraid that it is like a safety catch, getting louder ticking time bomb that will explode at any moment and blow them out of the saddle.
Why NFZ and Social Security? The case is obvious. Health, provision for old age or sickness is the most important existential issues. We are afraid of the future. And that our fears are stoked fuel catastrophically sounding speeches of politicians who skillfully in this feed. Watered gasoline communication flowing everywhere: that they considered able to work, although there is no arm and leg, those after years of work got the 200 zł pension. Nothing that does not click on the network as the texts of the acronym ZUS title. The fact that millions receive a monthly benefit on account ceases to be reckoned with. More important is the chance that one did not get. In this way, instead of rationally change a system where fails, we breed ourselves in their heads zusowskiego monster. Which survived into martyrs.
ZUS worse than the IRS
Grzegorz Sowa, a building contractor from Gorzow, which – as advocates – the company leads from the 1991., three years ago he began to fight for it, to be able to unsubscribe from this institution. – I do not want anything from them. Neither the health benefits or pensions – swears. The only thing we expect is to give him peace of mind and demanded his money. For now, the courts have become the primary insurer, but the owl does not give up. He travels around the country, organizing pickets and zeal of others to battle. – How to come to me bailiff, poszczuję dog – promises. Ensures that it is ready to even go sit. – Top’ll be a martyr in the fight against this institution and debilnym law. Other support me, think the same as I do, but are afraid to talk about it out loud – he added.
In fact, most of my interlocutors wished to remain anonymous. Because what if control falls zusowska to their company, and these controls, they say, are worse than visiting inspectors bills. IRS will sit a week, but not kombinowałeś too, can survive. But those, as they start to dig, you always find something. I let go of the bags. And yet most of the interlocutors – although it claims that nothing counts – this, however, he would like to get used to retirement. While the arguments against the Social Insurance Institution, they fall, they reach the top, constitutional shelf.
– Democracy has its limits. One of them is the freedom of the individual. If I do not want to be insured in ZUS, nobody has the right to challenge this decision – enucleation Wojciech, architect leading company in the eastern Polish. It is believed that compulsory insurance is violation of human rights. – and leftist point of view: I have no right not to be in the grip of the state. In return, I get funny “right” to medical care, for which, if you need, and so I have to pay privately. This is daylight robbery – ends.
Insurance? – This is an ordinary tax – says Krzysztof Wozniak, the author of Analog vlog channel Webcasts, taking economic and social issues. After all, what is the tax: a mandatory tribute, the payer may not demand anything in return. And from ZUS it is the same. – Let the lady goes to the doctor and request that you take it. Immediately, because you will not ever late with contributions. Guests will die with laughter – ironically vloger. And it derives further that the IRS matter is clear: you earn, you pay a fixed percentage of that. Do not you earn, you do not pay. End. In the case of contributions zusowskich no one will ask whether you have in your account at least five dollars. Theoretically, you can suspend activity, but you need to know in advance that a given month business does not work out. And do not kid yourself that you pay arrears for the previous month. Anyone who once ran a company knows (provided that it is not Google or Coca-Cola) that liquidity is sometimes different. Hardly anyone is able to put aside enough money to be able to adjust premiums also in this time when it comes poverty.
Too much they want, for little give
topic that stirs a lot of emotions, is the size of contributions. For those who pay them, too high. For those who are counting, ridiculously low – today is not enough to pay pensions entitlement. But as you can see, no matter from which place to look, the main message remains the same: ZUS bad.
– I do not know what I’ll do when I finish my discount ZUS – worried about Mark, 27-year-old, who founded the company after graduation. Or rather, sole proprietorship, which in his case, like the majority of people appearing in the statistics as a company, is self-employment. In fact, working in corporations, in a call center. He comes every day to the company, reflects a card, no bosses. Entitled to a discount in the cafeteria, you can buy discounted Benefit card. You know that? Such fake. Brands earns between 3 thousand. zł per month, of which approx. 500 zł premiums zusowskie. For this tax. He is so two of the song. But for the moment it snaps into the normal rate, which is more than 1100 zł. So his financial situation changed fundamentally. These 600 zł difference is the rent for an apartment that rents with friends. Therefore already she knows: leaving. To the UK.
Michael, a senior fellow Mark, he left a few years ago. In London, he founded his own business. Contributions to health insurance and pension cost him, as calculated, 21 pounds a month. Pack of cigarettes with a small wrap. And how he fared worse, he could ask for a six-month exemption from the payment of contributions. Now he found work on the contract, earns 23 thousand. pounds per year, or less than 2 thousand. per month. His monthly premium is 166 pounds, of which 36 are private pension fund. Grazing. – And there is a difference in proportions, right? – notes somewhat maliciously.
Of course, you can argue whether in fact the rates of social insurance are deadly, or maybe just for little we earn? And whom, and to what extent to take relief? But Mark, Michael and thousands of others like them do not care. They are, simply put, they are customers of the system and believe that they are not duly served, so they write with him, leaving the country. Therefore, in zusowskiej hand Hula wind grew louder.
Krzysztof Wozniak, this from Analog Vlog, notes that the country loses on his own greed, and a few times. As noted, many of the young people still living with parents who are willing to herself earned on the principle, as it is called the English, the self-employed. They led from the little tax and low insurance premiums. But they can not, so either operate in a gray area, or get on a plane. He also delayed the foundation of the company, scared him the tribute. Sometimes it is difficult to earn money for himself ZUS, and where is the rest?
Also true entrepreneurs, those who give work to others grind their teeth when speaking about the Social Insurance Institution. For them also (and we assumed at the beginning that you are not the type giants Coca-Cola) the amount of mandatory contributions is too cumbersome.
Carolina, bizneswomen leading gym and fitness club in Silesia, evaluates: if its best-paid worker earns 3 thousand. zł gross, that the hand gets approx. 2150 zł. As an employer it this time costing more than 3.6 thousand. Why the difference – nearly 1.5 thousand. zł? These are contributions to the Social Insurance Institution. – I would have gladly given her a higher salary, but I can not afford – he says. And admits that gives its people bonuses in envelopes under the table. As you all.
And as everyone acknowledges that is aware of the fact that the less flows to the common coffers. But matters here and now.
uncertainty and tortuous rules
Pole is Sobiepan, he does not like anyone is forcing him to do something. And yet, as the genetic brawler, he does not like to observe deadlines. Ie. it works one way. If he does not get the money on time, horror. He is late, apparently otherwise you can not. Another thing that some provisions relating to the payment of premiums are sick. Or specially arranged to generate the greatest employment at the plant.
Well it captures a piece found on the network. This entry was beating records of popularity on the site Wykop.pl: “The 10th of each month, like everyone happy and” voluntary “insured in ZUS entrepreneur, I have to pay a premium. As at May 10 (Saturday) I had no means to pay full tribute. So I said I’d pay on Monday.
May 12 (Monday) received funds and immediately I paid the premium.
May 13 ZUS got my money.
In June, while settling my documents through the book, I sent a letter of confirmation of payment transfers of 12 May and administration due to nonpayment of dues in time (lack of resources). He also expressed remorse and asked for bringing me back to insurance. Today, ie. 10.07, I received a letter. In a telephone conversation with a signed letter from an employee of the Social Insurance Institution I learned that I have to accurately describe the situation and prove that on May 9 did not have the full funds in your account and could not pay voluntary tribute. Instead, kuźwa, after receiving my letter to settle the matter in a minute and unhook me in the computer as “so – pay the premium”, ZUS now wants to interfere in my privacy, check my private transfers, transactions and account status. Of course, after submitting my explanation and lifts letter will be sent to the committee that will consider my application. I have a case in ZUS – kuźwa, I’m a criminal !!! I look forward to the development of the situation “. And the case is serious, because even one day of delay means that the insurance lapses by law.
This is also a way of saving, but there is no denying that the institution does good PR . A friend journalist irritated on Facebook: “I had a small overpayment, approx. 120 zł, and somehow I failed to convince them to recognize this fact. But the under-twenties golden enforced without hesitation “. Under his entry immediately appear next and the next. Password ZUS activates more than a plea for help for the homeless mongrel.
Another friend informs that while being self-employed, dared to get pregnant, ZUS przetrzepywał all business documents, trying to prove that its high earnings before pregnancy were a sham aimed at swindling benefits. – I company for six years, not six months, so was fine. But you can abort the stress – sums. She got benefit? She got. But of course too small.
The system is falling apart
Well, this is probably the thing that people most outrageous. The amount of benefits. – I just had the forecasting retirement. How’ll work until the age of 67, it will get 1070 zł. Now I’m paying the lowest premium, because I can not afford more. But I have been working for 25 years and not always the paid – says one of the interviewees. Another person adds: – Given the fact that since 1989. Could instead pay the premiums, invest money eg. In Krugerrands, damn it gets me. Because the Social Insurance Institution after this time sending me staggering pension forecast for today – 167 zł. And I think that we are very naive, thinking that our generation will ever get anything – ends dramatically.
Wozniak on vlogu calculates that it is more profitable to collect bottles beer. – If every evening drank one brewery, and a bottle postpone the basement, then – assuming that bottle costs in buying 30 gr – after decades more profitable to us live from the sale of collected glass packaging than the minimum pension. Which will drop – sums up.
This calculation goes to the people who have been hearing from politicians and experts that cash ZUS is empty, that the state must pay extra for it . They get a disturbing message about the demographic catastrophe, that there will be a dozen years who work on pensions of old. They know that yesterday’s pension (the old portfolio) amounting to some 60 percent. monthly income has decreased after the reform to less than 40 percent. And it will still fall. As people grow so dread: what will be, how will collapse.
– For ZUS is a pyramid scheme – says Jerzy Wasiukiewicz, president of the right-wing Freedom Movement. Explaining that and the system is based solely on the subsequent deposits, so there is only so long as the people on it Loza. And contrary to official assurances that every collects contributions for themselves, money, influence of social insurance payers do not end up on any individual accounts are paid immediately pensioners. And because there are not enough, the pyramid need to support other means from the budget.
– Than a demographic threat to the “normal” functioning of the pyramid. Thus, over the years they continue fitting to the Polish download as much profit immigrants from the East – enucleation Wasiukiewicz. And he adds that the system will not collapse, it would be them, according to various estimates, pull off at least 100 thousand. per year. How many in total? Two, three, five million? And so there is no guarantee that it does not collapse.
Well, it sounds catastrophic. Appeals to the imagination. And it is not true. The stabilization of the pension system is the problem of all the ruling governments. No she can not do, but changing constantly right additionally rozjusza people.
– Chronologically it was: first zajumali one-third of the funeral allowance. Then “verified” pensioners, which received many crippled people the means to live. When it started again missing funds, raised the retirement age. But it is a process spread over time, immediately took premiums from pension funds. And I have them still believe in anything? – asks rhetorically small entrepreneur. And himself answers that do not. They do what they want, without asking the public’s opinion. By changing the rules during the term of the contract, which after in other areas would be unacceptable.
Especially these two issues – open pension funds and retirement age – moving people. The promise it down was one of the important reasons why Andrzej Duda won the presidential race. Another thing, if he can fulfill that promise. And yet, so that does not blow quite unstable system. For despite complaints to this institution and połajanek most people counts, however, that in old age will have some protection. There are indeed some who swear that nothing from the state do not want to. As Grzegorz Sowa, the entrepreneur fighting for the right to unsubscribe from ZUS.
– I do not know if I live to 67 years, when I graciously could retire. If I die earlier, all the money I was putting Molech throat lost. Because premiums zusowskich not inherit – indignant. And he says that during the years of accumulated such capital, anything from anyone that does not need. However, like it is a fraction of a percent. And what they live less than he enterprising and warlike?
– Do not let us do the people weakling and idiots. Poles leaving to work abroad where there are no such idiotic tribute, somehow cope. If someone is working, and yet the state did not rob, do not die of old age – he argues. And he adds that if a whim, that’s all przepije. Then he will die at the fence. Will of it than throwing the inefficient system. And all those zusowskie palaces.
arrogance, which is what stings the eyes
It does not matter that those who demand the closure of ZUS because it gives a small pension, and those who want to liquidate, because state pensions do not need them, really talking about something completely different. The different visions of the state. No matter: in this stream antyzusowskiego hejtu everyone will find something for themselves. And socialist and liberal extreme. Anyone can with a clear conscience shout: ZUS bad!
“Social Insurance in Bilgoraj announced a tender for the organization of trips for their employees to Rome and Vatican City. The itinerary ZUS is very demanding – officials want to have plenty of time to take pictures, visiting all the major attractions of Rome, to meet an audience with Pope Benedict XVI and meals rich in fresh vegetables and fruits, “- reported” Super Express ” in 2012. A portal Bankier.pl last year could read about another tender for the organization of trips for employees ZUS branch in Nowy Sacz and Tarnow, for 568 people.
Similar nuggets of spasms current and future pensioners have been many publications. Here tender for a luxury limousine for prominent officials of this institution, there again, “palace”, which is the seat erected at the expense of many millions of dollars. Someone might notice that a mere populism: officials need somewhere to work, not necessarily in dugouts, belong to them subsidies from the social fund, and how they want to go on a trip to the Vatican, that’s their business. It is also difficult to require that senior managers traveled zdezelowanymi trabantami. Apparently rightly so, but if we compare it with starvation pensions or the decisions which miraculously heal the crippled, the situation becomes complicated, and the atmosphere around the ZUS thickens.
Oh, if only this story, at the end of July this year, touted by the media: single parent 24-year-old Eve Lemankiewicz from the village near Slupsk taken Osowo social pension. Although for cancer amputated her leg, but the predicate decided that Lemankiewicz suitable for the job. Because he has yet both arms and one leg. Internet forums were shaking with indignation. I shook even more when he found someone who expressed their disapproval in a more literal way. “Doctors ZUS, are moral corpses,” “Eve Lemankiewicz, hold on” – wrote on the walls of the headquarters of Slupsk ZUS 38-year-old man. As it turned out, it was an employee of the same insurer, but from a different branch. His nerves gave way.
– Because some things you need to differentiate. The Social Insurance Institution is understood as a system, and so these all, sometimes silly rules set by politicians. ZUS is the institution – ie marbles, limousines, lavish bonuses. And they are finally its employees. Typically, honest, nice, normal people. They work hard. They are not responsible for the sins of the company and the system. A company clerk confided in me that she also hates the Social Insurance – says Krzysztof Wozniak.
Disposal Plant Society
I do not I like, you do not like, they do not like. And we have so many reasons for doing that – to them all written down – run out of cowhide. It is even a question of computerization, which, though goes on and on, took billions of zlotys, it still failed. There is a pile of clutter, which annoys people.
– My wife closed her company, all the papers were, well, sent – says one of the micro-entrepreneurs. He went to Social Security to move her and the kids, insurance for themselves. I found out that my wife was still in the computer system acts as the payer. But unrelated to the company that ran recently, but with another, which closed in the late 90s Entrepreneur filed adequate explanations, it seemed that the matter is settled. But no. – Two months ago came the calculation of outstanding social security contributions, plus interest, for a trifle 50 thousand. zł – he says. Again, the official drudgery, explanation. Adopted. But not really, because for several days at your old address a non-existent company comes “Notification of errors in documents filed to the insured” on that case. – The explanation of the obvious wasted a couple of days, I was not making – irritated caller. Such cases, when social insurance contributions demanded of non-existent companies, gathered a lot. Circulate in the network, the people themselves tell them at the Sunday meetings.
why even try to recover by ZUS social trust are accepted with reluctance. As the last campaign commercials broadcast on television advertising blocks where facility encourages entrepreneurs to apply for funding (to 0.5 million zł) for measures to improve work safety. – Another element of the campaign – decides David bankrupt entrepreneur, who bailiff sits on the property, among other things because of arrears in the payment of contributions. And murmurs that these spots are for pensioners’ money. When he in his case he wanted to squeeze in an amnesty announced some time ago by the insurer, it turned out that it covers only his personal contribution. But not employees, for whom he also did not pay. Because I did not.
– The fruit of thy womb them-ZUS – writes David me on FB as a summary of our conversation and publish smile. Other Internet users are more violent, decrypting name of the institution: Legally Sanctioned Theft, Utilization Plant Society, Pay-Die-Get lost, Zlikwidujmy Smiling old men, a highly successful Fake, always Steal weak …
But that was not that wallow in the Mulch populism, ask at the end of a question: If you believe that ZUS same evil, how else do you care about your retirement?
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