– From January 1 this year have changed the provisions of the law on social insurance system in determining the obligation of the pension and disability insurance contractors. In line with these changes, the contractor, the basis of contributions to the pension scheme in a given month does not reach the amount of the minimum wage, or 1,850 zł, is subject to compulsory social insurance of all titles. This principle does not apply if the aggregate basis of the contributions will reach the amount of the minimum wage – explained in an interview with the agency Newseria Business Urszula Białkowska from the Department of Insurance and Premiums in the Department of Social Security.
In the case of contracts-orders the customer has a duty report so employed person to the compulsory insurance, or pension, disability and accident. It must also pay the health insurance contribution. Contractor and may join the voluntary health insurance. As a rule, mandatory oskładkowaniu under contract-order is subject to compensation to the amount of the minimum salary. To determine the obligation to pay contributions in the case of a person who has several contracts-orders, it is necessary to identify the title, which was created as the first. If the yield from such a contract is lower than 1850 zł, taking into account the new contracts.
– The change in legislation primarily benefit contractors who perform work on the basis of at least two contracts-orders. Until the end of 2015 payer was obliged to submit to the compulsory social security contractor in respect of the first or selected under the agreement, the proceeds usually was low. While on the other, from which the revenue was higher, it was only compulsory health insurance. As a result, contributions have been discharged from a lower base, which was reflected in the amount of the benefit or in the future on the amount of pension – says expert ZUS.
The minimum wage is not the amount limit – if the contractor wants, contributions may be discharged from all contracts-orders. However, if the employee decides that another employer does not have to pay premiums, shall provide proof that the other agreements contributions have already been paid. It is estimated that the contracts-commissioned works of almost one million Poles.
– Poland Alliance of Trade Unions for many years appealed to all income from work were ozusowane. We have agreed with employers that in the first step of the agreement was oskładkowana at least the minimum wage. And it is very important for the staff – they are gaining thereby securing pension because the contribution affects account the social security system. Secondly, if the employee has oskładkowane to the minimum wage provision, may benefit from unemployment benefits – indicates Wieslaw Taranowska, Vice-Poland Alliance of Trade Unions.
So far, as indicated Taranowska, the problem employed under such contracts have been contributions discharged from the contract, which only amounted to 100 zł. From the second, far higher, there were no longer any contribution calculated. Oskładkowanie contracts-orders means that the worker accumulates contributions to retirement, the amount of which depends on the time and the amount of collected premiums. This saves on including the state budget, which pays a minimum pension.
As the Vice-President of OPZZ, ozusowanie civil contracts is a step in the right direction, but oskładkować all civil contracts.
– wanted to ozusowane they were also contract work. This is not so simple, because it is the result of an agreement and it is difficult to indicate when someone eg. Write a book – indicates Taranowska. – All the time in the OPZZ intention is that all income from work were oskładkowane, we also want it to be oskładkowanie equal.
Alignment obligation oskładkowania means that higher premiums will pay self-employed. Currently, businesses pay contributions to social insurance from the base constituting 60 per cent. the average wage. They can of course pay higher premiums, so as to ensure a higher pension, choosing to do this, but very few of them.
– There is a problem with the craft, because here it is declared contribution, and after many years of paying very low contributions have very low pensions. It involves the problem of maintaining the low benefits, and yet the reconstruction of our pension system meant that every year paid pensions will be lower and lower. We already know that the pension paid according to the old rules is a thousand zlotys higher than the paid and calculated under the new rules – emphasized Wieslaw Taranowska.
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