ZUS can take your 14th retirement from your account! Watch those limits

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The Social Insurance Institution began paying the alleged "fourteens", or fourteen pensions. In 2026 the full amount of the additional benefit is PLN 1978.49 gross, i.e. the equivalent of the minimum benefit. However, ZUS warns that not all elder citizens will be eligible to receive an additional pension – in peculiar those who moonlight their earlier benefits. These people should pay attention to income limits, as in any cases the 14th pension paid can be considered to be unpaid and to be reimbursed!

A full "fourteen" is automatically entitled to persons whose basic benefit does not exceed PLN 2900 gross. For higher benefits, the “gold for gold” rule applies. The minimum amount of the fourteenth pension is PLN 50, while persons charging more than PLN 4828.49 gross basic benefit will not receive the allowance at all.

Special attention should be paid to earners on early (!) retirement or pension. From 1 June 2026, the monthly income to PLN 6694.10, or 70% of the average salary, may consequence in a simplification in the benefit. After exceeding PLN 12,431.80, corresponding to 130 percent of the average salary, the benefit may be suspended. This applies, among others, to persons working on contract or work contracts and conducting economical activity.

Watch out for the profit limits! If you lose the right to a basic benefit, you will gotta return the ‘fourteen’

How's that for your 14th retirement? This only applies to persons who have the right to a basic benefit and who lose them due to an excess of the limit of extra money, which, for example, results in its suspension, the right to a "fourth" is besides lost.

If, after payment, the Social safety Office determines that the fourteenth pension was not due, it may call for reimbursement. In certain cases interest shall besides be charged and the charge may be deducted from the current benefit. The 14th pension, on the another hand, is free of deductions and executions.

Payments are made on 1, 6, 10, 15, 20 and 25 September, together with pension. Those collecting pre-retirement benefits will receive money on 1 October. The right to 14th retirement is fixed at 31 August 2026. Persons whose pension rights were suspended on that day will not receive an additional benefit. In order to receive a ‘fourteen’, no application is required.

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