As of March, pensioners will lose up to PLN 900 a month! All through fresh regulations

From March 1, 2025 will enter into force new limits on extras for early retirement. Overshooting of these amounts means reduction of the benefit by up to PLN 900and in utmost cases total suspension of pension payment by ZUS. This means that thousands of seniors in Poland will gotta carefully defender their earnings in order to avoid financial losses.

Who are the fresh profit limits?

The fresh government will cover all those who collect benefits before reaching the general retirement age. This includes:

• early retirement,
• teachers receiving compensation benefits,
• holders bridge pensions,
• Rencists (including household pension recipients).

Persons who have already achieved retirement age – 60 years for women and 65 years for men – they can moonlight without any restrictions.

New income limits for early pensioners from 1 March 2025

March to May 2025 will apply new earnings thresholdswhich the Social Insurance Institution will reduce or suspend the payment of benefits completely. Here are the current limits:

• PLN 5934.10 gross – exceeding this amount means reduction of pension.
• PLN 11020,40 gross – earnings above this amount origin total suspension of pension payment.

These limits are updated every 3 months (March, June, September, December), so earlier pensioners should monitor changes regularly.

How will ZUS reduce retirement? Check examples!

Not all gold above the limit means automatically reducing the benefit by a full amount of surplus. ZUS applies gradual deduction mechanismwhich operates as follows:

• If you gain PLN 6000 per period (exceeding PLN 66) – pension will fall by precisely PLN 66.
• If you gain PLN 6500 monthly (overshoot by PLN 566) – ZUS will reduce the benefit by approximately PLN 660.
• If you gain 8000 PLN per period – the deduction will scope maximum PLN 900.
• If you gain above PLN 11020.40 – ZUS completely suspends pension payment.

How much can you lose? Maximum deductions from March 2025

ZUS besides established maximum amount of simplification of benefitswhich will enter into force in March 2025:

• PLN 939,61 for pensions for full incapacity for work,
• PLN 704.75 for partial incapacity pensions,
• PLN 798.72 for household pensions (if collected by 1 person).

This means an increase by 5.5% in relation to the erstwhile year, which is precisely what this year's valorisation of pensions.

How to avoid a simplification in pension? Strategies for extracurricular seniors

People who make extra money should carefully monitor your monthly earningsto avoid unpleasant surprises. It is worth considering:

• Limiting working hours in months erstwhile the threshold is likely to be exceeded.
• Distribution of additional orders over timeto not exceed the limit in 1 month.
• Consultation with the employerwhich can aid better plan the remuneration.

It is crucial that ZUS analyses revenue from a circumstantial monthNot their average. This means that even One-time bigger earnings may consequence in a simplification or suspension of the pension for 1 month.

Limits change all 4th – another update already in June!

Income thresholds are updated every 3 months, so in June 2025 limits may be change. The increase in average wages in Poland may rise the thresholds, but if wages fall, the limits of extras may besides be reduced.

What if you don't know how changes will affect your retirement?

If you have doubts, best consult a pension counselor in the ZUS department or call the hotline. Employees can carefully estimation how additional earnings will affect your retirement and aid you plan your work so that avoid financial losses.

The fresh limits will hit thousands of seniors!

For many erstwhile pensioners, it's mowing necessityto keep the standard of surviving in the face of rising prices. New limits can force many seniors to resign or change their form, for example, self-employment, which gives more flexibility in gross management.

One thing is certain – as of March 2025 it will become an early retirement more difficultand those exceeding the limits must face severe financial consequences.