Zakład Ubezpieczeń Społecznych

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Logo ZUS

Zakład Ubezpieczeń Społecznych ( ZUS ; German  Social Insurance Company ) is the state social insurance company in Poland with 45,600 employees, which collects social and health insurance contributions from 15 million employees (as of August 2013) and pays out benefits, e.g. B. for pension, occupational accident, illness, maternity and death.

Social security contributions

  • Pension: 19.52% (of gross wages), of which 7.3% OFE
  • Occupational disability: 6%
  • Illness: 2.45%
  • Accident: 0.67 to 3.60% based on PKD or 1.8% for companies with 9 or more employees

Forwarded Posts

  • Health: 9% (goes to the National Insurance Fund NFZ)
  • Labor fund: 2.45% (goes to labor offices in the district and voivodeship)
  • Fund of guaranteed employee benefits: 0.10% (goes to FGŚP)

Contribution amount

Three examples of the amount of social security contributions in Poland in PLN. For farmers and the self-employed, the contributions do not depend on the size of the farm or on the turnover or profit of the self-employed.

Farmer with 50 ha (KRUS) Self-employed (ZUS) Employee with 3500 PLN gross (ZUS)
Pension, disability 71 481.72 394.10
Illness, accident 36 077.77 085.75
health 17.50 233.32 271.81

management

  • Lech Milewicz, September 1991 - August 1, 1995
  • Anna Bańkowska , August 1, 1995 - January 1998
  • Stanisław Alot, January 1998 - October 8, 1999
  • Lesław Gajek , October 8, 1999 - May 18, 2001
  • Aleksandra Viktorov , May 18, 2001 - June 1, 2007
  • Paweł Wypych , June 1, 2007 - November 26, 2007
  • Sylwester Rypiński, November 26, 2007 - September 8, 2009
  • officiating Elżbieta Łopacińska, September 9, 2009 - October 2, 2009
  • Zbigniew Derdziuk , October 2, 2009 - March 31, 2015
  • incumbent Elżbieta Łopacińska, April 1, 2015 - February 11, 2016
  • Gertruda Uścińska , since February 11, 2016

Financial condition

In 2013, ZUS had PLN 171 billion in its Fundusz Ubezpieczeń Społecznych (FUS) social security fund , which is about half of the Polish state budget. The ZUS maintains the Fund for Demographic Reserve ( Fundusz Rezerwy Demograficznej , FRD), which invests money as a preventive measure against demographic lows and achieved a profit rate of 7.2% in 2013. The maintenance of the ZUS costs over 4 billion zloty or 2.2% of its budget.

The contributions collected are not sufficient to finance the pension benefits. Early retirement alone cost the state 20 billion zloty annually, which is why the governing coalition of Platforma Obywatelska (PO) and the Farmers' Party (PSL) want to remove some professions from the early retirement list and increase the average retirement age. Currently, the average retirement age is 57 years, although women should actually work up to 60 and men up to 65. The estimated 1 million bogus unemployed and the abuse of sick leave are also a burden for the ZUS balance sheet.

The state supports the ZUS annually with PLN 38 billion and the farmers' social insurance KRUS with around PLN 15 billion. According to calculations by the FOR Foundation, 8% of Polish farmers' pensions are financed from contributions and 92% from the state treasury. 70% of the pensions of other occupational groups are financed from contributions.

In 2007 and 2008, the government led by the PiS and then the PO reduced the contribution for occupational disability insurance from 13 to 6%. 1.5% is paid by the employee, 4.5% by the employer. In 2010 alone, however, around 17 billion zlotys are missing from the FUS social security fund ( Fundusz Ubezpieczeń Społecznych ). In the next few years, too, the FUS will have 20 billion zlotys too little to pay the disability pensions. If one were to raise the contribution back to the old level of 13%, there would be a surplus in the FUS fund of 28 billion zlotys. In order for their expenses to be covered, the contribution would have to increase to at least 10.5% of the gross wage.

Unions

There are five trade unions at ZUS who are listed with contacts on the ZUS website:

  • Związek Zawodowy Pracowników ZUS ( Union of ZUS Employees )
  • NSZZ “ Solidarność ” w ZUS
  • NSZZ “Solidarność '80” w ZUS
  • Ogólnopolski Zakładowy Związek Zawodowy Pracowników Zakładu Ubezpieczeń Społecznych "KADRA ZUS"
  • Krajowy Związek Zawodowy Inspektorów Kontroli ZUS ( Union of Inspectors in ZUS )

Web links

Commons : ZUS  - collection of images, videos and audio files

Individual evidence

  1. ↑ Słownik procedur parlamentarnych , Kancelaria Sejmu, ISBN 83-909381-0-3 , p. 402