In order to retire, it is necessary to meet the age of 60 for women and 65 for men. People who are already planning such a step next year should know that the best moment will be two months – February and July.
When to retire in 2025?
As we mentioned, a favorable month to submit a pension application will be February. Why? The statutory indexation of pensions and annuities takes place on March 1, so granting the benefit from February means that seniors will receive an increased pension in March. April, May and June are the least favorable months, it is worth waiting until July.
In June each year, the Social Insurance Institution indexes pension contributions collected on individual accounts (this is all the money we have collected on the pension account over the years of work). Submitting an application in July may provide us with a pension benefit that is even PLN 300-400 higher – says “Dziennik Gazeta Prawna“.
People applying for a pension in mid-2024 can also apply for the “fourteenth pension”. It is worth remembering that a pension application can be submitted no earlier than one month before reaching retirement age. There is no point in submitting your application earlier as it will be rejected.
Pension 2025. You can receive your payment and pension at the same time
To retire, you must first terminate your employment contract and wait for your employment certificate. The contract must be terminated two days before the end of the month. Then, by the end of the same month, you must submit a pension application together with an employment certificate. It is worth doing this because then we will receive remuneration from work as well as a retirement benefit.
Everyone who finishes work and retires is entitled to a one-off retirement severance pay. Life expectancy tables published by the Central Statistical Office should also be taken into account. It is on their basis that ZUS determines the amount of the benefit. If life expectancy increases, the amount of the pension decreases.