Mixed Retirement: What Is and What Conditions Must Be Fulfilled to Get It?

Retirement is simply a earned reward after years of work, but for any it may have a somewhat different character. Mixed pension is 1 of the options to be granted under peculiar conditions. Do you know if you're in this group? Find out what criteria you request to meet in order to benefit from this kind of benefit.

Who Can Get Mixed Pensions?

A mixed pension is granted only to a certain group of persons. In order to be able to receive it, the following conditions must be met:

1. Pension Age: Persons who were born after 31 December 1948 and reached an adequate retirement age between 2009 and 2014.
2. Absence of membership in the Pension Fund: Mixed pension candidates must not be members of any pension fund. If they were, they had to apply for the funds from this fund for the gross of the state budget through the Social Insurance Institution (ZUS).
3. Non-retirement: Mixed pensioners could not previously collect pension granted under the current rules.

What does the Calculation of Mixed Retirement look like?

The process of calculating a mixed pension is complicated and depends on the year of reaching retirement age. According to the data of the portal newspaperprrawna.pl, the percent of pension calculated according to old and fresh rules varied over the years:

• 2009: Old rules – 80%, fresh rules – 20%.
• 2010: Old rules – 70%, fresh rules – 30%.
• 2011: Old rules – 55%, fresh rules – 45%.
• 2012: Old rules – 35%, fresh rules – 65%.
• 2013 and 2014: Old rules – 20%, fresh rules – 80%.

The applicant may have indicated in his application the preferred option of calculating the benefit, i.e. mixed or capital. The choice of mixed pension was peculiarly beneficial for those who made little money.

How do I apply for a Mixed Pension?

The process of applying for a mixed pension is comparatively simple, but requires attention. The applicant should submit to the nearest ZUS branch or usage the IKO application or the iPKO service. It is besides possible to handle the substance by telephone via the bank hotline.

Why Retirement Mixed?

Mixed pensions are peculiarly attractive for those who want to get more favourable financial conditions after retirement. Differences in calculations between old and fresh rules can importantly affect the amount of monthly benefit.

Mixed pension is simply a form of benefit that can be obtained by selected persons who meet certain age and organisational conditions. If you were born after 31 December 1948 and reached the appropriate retirement age between 2009 and 2014, you could have had the right to this kind of pension. The application process is rather simple, but it is crucial to comply with all the criteria required.

The mixed pension can benefit from better financial conditions after retirement. Before deciding whether specified a kind of benefit is suitable for you, it is worth consulting an expert or pension counselor to learn more about all the options available on the market.