The end of uncertainty for millions of Polish seniors. The Social Insurance Institution confirmed that the alleged fourteenth pension will be paid in September 2025. This is an additional yearly cash benefit to support the home budgets of pensioners and pensioners. However, this year the fresh rules will be crucial to decide on the final amount of the transfer. Although the maximum gross benefit will be PLN 1878.91. . . . . . . . . . . . . . . . . . PLN 1709.81Not everyone gets the full amount. The income threshold was introduced, depending on the amount of the allowance. knowing the “gold for gold” mechanics is crucial to know what amount can be expected. ZUS emphasizes that the process will be full automated and does not require any applications.
Who will receive the 14th retirement in 2025 and under what conditions?
Fourteenth pension is simply a benefit for a wide scope of long-term benefit recipients. Persons who, on 31 August 2025, have the right to a pension, pension (for incapacity for work, training, social, family), teacher compensation, parental supplementary or pre-retirement benefits are entitled to the allowance. Importantly, the benefit includes both subjects ZUS and KRUS and supplies of uniform systems.
The most crucial information for seniors is the fact that the full process of granting and paying the "fourteen" takes place fully automatic. This means that there is no request to fill in or submit any applications. ZUS will verify the rights and pay out together with regular pension.
However, there is simply a crucial exception. The benefit shall not be paid to persons whose entitlement to the basic pension is suspended at the date of verification. This is most frequently the case where a elder exceeds the statutory limits of extra extracurricular income. Therefore, active people should check their position to avoid disappointment.
How much precisely is 14? Key threshold PLN 2900
The amount of fourteenth pension in 2025 is straight linked to the amount of the lowest pension, which is PLN 1878.91 gross. That's the maximum amount of the extra benefit. However, the income threshold, which was set at PLN 2900 gross. It's up to him to see if the elder receives the full amount, or if it is reduced.
The rules are as follows:
- Persons whose pension is gross does not exceed PLN 2900, they will receive a "fourteen" in full, i.e. PLN 1878.91 gross.
- Persons whose benefit exceeds PLN 2900 gross will have a reduced ‘fourteen’ according to the rule ‘gold for gold’.
The “gold for gold” mechanics in practice means that by each gold exceeding the threshold of PLN 2900, the amount of “fourth” will be reduced by the same amount. Example: if the pension is PLN 3100 gross (i.e. by PLN 200 more than the threshold), fourteenth pension will be reduced by PLN 200 and will amount to PLN 1678.91 gross. The benefit will not be paid if the basic pension reaches or exceeds PLN 4728.91 gross (2900 PLN + PLN 1878.91).
Payment agenda in September. erstwhile will the money go into the account?
The Social Insurance Institution makes payments on fixed monthly dates. The fourteenth pension will be transferred to the account or delivered by the postman with regular benefit For September. It won't be a separate transfer. Standard payment dates at ZUS are 1, 5, 6, 10, 15, 20 and 25 days of the month.
It is worth remembering the rule that if the payment deadline falls on a day off from work (Saturday, Sunday or holiday), ZUS makes payment on the preceding working day. In September 2025 this will apply in 2 cases:
- Persons with payment deadline for 6 September (Saturday) will receive money on Friday, September 5.
- Persons with payment deadline for 20 September (Saturday) will receive a benefit on Friday, September 19.
The form of withdrawal remains unchanged – if the elder receives a pension into the bank account, there will besides be a "fourteen". If the service is provided by the mailman, additional money will besides be transferred in cash.
Taxes, contributions and protection against the bailiff. What's worth knowing?
Although the 14th pension is an additional cash injection, it should be remembered that it is not a burden-free amount. She will be deducted from the benefit health insurance premium (9%) and advance on income tax (12%). Therefore, the net amount that will actually affect the account will be lower than the gross amount and in the maximum variant will be about PLN 1709.81.
At the same time, the legislature provided for 2 very crucial protective mechanisms for elder citizens. First, the amount of the 14th pension is not subject to bail execution. This is key information for people with debt – the bailiff will not be able to take these measures. Second, this benefit does not include income erstwhile applying for social assistance, housing allowance, supplemental benefit for dependent persons (so-called 500+) or another forms of income-based support.
In summary, the September 'fourteen' is simply a real support for millions of seniors, but its final amount depends on the individual situation of each pensioner. It is now worth checking the amount of your gross pension to estimation the amount of the allowance you can anticipate and better plan your home budget.
Continued here:
Fourteenth retirement already in September. ZUS reveals who gets little money
