Old-age pensions under the old scheme

The right to an old-age pension under the old scheme is acquired after reaching the statutory retirement age.

  • by women who have completed at least a 20-year contributory and non-contributory period,
  • by men who have completed at least a 25-year contributory and non-contributory period.

That scheme provides for pensions with a shorter period of coverage at the statutory retirement age for

  • women who have completed at least a 15-year contributory and non-contributory period,
  • men who have completed at least a 20-year contributory and non-contributory period.

The old-age pension with a shorter period of coverage is not subject to any increase to bring its amount up to the level of the minimum old-age pension.

Some groups of persons employed in special conditions or in a special character (for example miners, teachers) have the right to retire before the statutory retirement age.

In 2014 the actual average retirement age for men was 61 years and for women 59.8.

The average number of years worked for those retiring in December 2014 was 32.8 for women and 37.5 for men.

A retirement pension calculated according to the old system is:
24% of the base amount
+ 1.3% of the basic amount for each year of contribution payments
+ 0.7% of the basic amount for each non-contribution year1

The benefit is assessed based on the average assessment basis of a contribution to pension insurance or to social insurance, from the period of 10 consecutive calendar years that the person concerned has selected from the most recent 20 calendar years or from 20 calendar years chosen from the whole insurance period.
The assessment basis is increased by the following amounts to which the person insured was entitled in a given calendar year: remuneration for the period of incapacity for work and sickness, maternity, care allowances, rehabilitation benefits, compensatory allowances, benefits or supplements, as well as the value of monetary compensation due to a temporary non-increase of salaries in the public sector.

To establish the assessment basis, first the amounts of the assessment bases for contributions and the amounts of the aforementioned benefits are aggregated for each year from those selected, and then the ratio of each of these total amounts to the annual amount of the average salary announced for a given calendar year is calculated. The result is expressed in percentages. Then the arithmetic mean of these percentages is calculated, which is the assessment basis index (which can amount to a maximum of 250%), by which the base amount is multiplied.
The base amount equals 100% of the average salary from the preceding calendar year, reduced by the compulsory social insurance contribution deducted from the earnings of the persons insured. This is fixed from 1 March of each year.

As from 1 March 2014 to 28 February 2015 the base amount equalled PLN 3,191.93, and from 1 March 2015 it amounts to PLN 3,308.63.

1 Non-contributory periods can account for no more than 1/3 of documented contributory periods.

(Note: 1 EUR = ca 4.32 PLN)