Old-age pension – reaching retirement age in Poland has general conditions, as in most countries, which include length of service and the amount of paid contributions for pension insurance, as well as the duration of their payment.

The retirement age in Poland is 60 years for women and 65 years for men.

The right to a pension depends on the conditions:

• reaching the general retirement age, which is 60 years for women and 65 years for men,
• confirmation of participation / payment of social security or pension insurance contributions.

The amount of the pension depends on the amount of participation / payment of pension insurance contributions. Indexed pension insurance contributions, recorded in the account and sub-account at the Social Insurance Institute (ZUS) are the basis for calculating the pension. Indexed pension insurance contributions as personal pension capital are divided by the average life expectancy indicator (the expected number of months during which the pension will be paid), which determines the monthly pension amount.

The amounts of pension contributions recorded in the Social Insurance Institution (ZUS) account and sub-account, including the initial capital, are subject to annual indexation (increase).

The minimum pension is paid upon earning 20 years of service for women and 25 years for men. The minimum pension from 1 March 2024 is 1780.96 zł.

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