The death of a loved 1 is simply a hard time, but it is worth knowing that the funds collected in ZUS can be paid to eligible persons. Many people in Poland do not realize that this money does not go distant and can supply crucial financial support to the family. Find out what steps to take to recover these measures and what papers are essential to get them.
What happens to the money gathered in ZUS after the death of a loved one?
In the event of the death of the insured person, the funds collected in his account in ZUS do not pass. They are inherited under the rules of law. This peculiarly applies to those born after 31 December 1968, who were obliged to pay contributions to the Open Pension Funds (OFE). The funds may be paid to persons designated by the deceased or included in the inheritance.
According to ZUS spokesperson Iwona Kowalska-Matis:
‘The funds collected on the sub-account at the Social Insurance Institution or at the OFE shall be inherited. If no circumstantial beneficiaries are identified by the insured person, the money becomes part of the inheritance and is inherited in accordance with the rules of the civilian Code.’
Even after the death of a loved one, the household can number on financial support. However, it is worth taking appropriate measures to recover these measures.
How do I apply for payment from the Social Insurance Institution?
The process of recovering money collected in a ZUS account or in OFE is comparatively simple, but requires respective conditions to be met and adequate papers to be provided. Here is simply a list of steps to take:
- Check whether the deceased had funds on the sub-account at ZUS or at OFE.
If the individual who died was a associate of OFE or had a sub-account at the Social Insurance Institution, it is worth contacting the nearest branch of the Social Insurance Institution to confirm the presence of funds. - Prepare the required documents.
The application shall be accompanied by:
- death certificate of the deceased,
- the applicant's identity card (e.g. identity card),
- a message of property union in the case of spouses.
- Apply to ZUS.
The application for payment of funds may be submitted in individual to the ZUS facility, by post or via the net via the PUE ZUS platform. - Wait for the decision and pay.
Following the application, ZUS is required to carry out the verification procedure. If everything is confirmed, the funds will be paid legally.
Who can inherit money from ZUS?
In accordance with the provisions, the funds collected in the Social safety Office or in the OFE may be transferred:
- spouse – half of the funds go automatically to its sub-account, if there was a common interest,
- indicated by the deceased – if the insured individual has made specified a record,
- heirs – erstwhile there are no another indications, the funds are inherited in accordance with the provisions of the civilian Code.
How much can you inherit?
The average amount paid by ZUS after the death of a loved 1 is about PLN 30,000. Depending on the contributions collected, this amount may be higher or lower. It is crucial to remember that the recovery procedure does not require the engagement of intermediaries – this can be done alone, without additional fees.
Why is it worth checking the funds collected?
In Poland, awareness about the anticipation of recovering money from ZUS is inactive low. In the meantime, these measures can supply crucial financial support to the family. It is besides worth knowing that the money collected on the subaccount in ZUS is indexed and protected from inflation, which makes its value not decrease over time.
The funds collected in the ZUS account and in OFE do not vanish after the death of the insured person. The recovery process is simple and accessible to anyone who meets certain conditions. It is worth taking action to safe the financial future of the household and to exercise their rights.
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The money can be recovered after the deceased from ZUS. Simple step-by-step procedure
