ZUS has to give you the money. Thousands of Poles do not know about this 1 payment

Thousands of Poles may unwittingly have frozen funds at the Social Insurance Institution, and the institution will not return them without a clear proposal. It's about what's called the so-called. Overpayment of wellness contributions, which is the direct consequence of complex regulations introduced by Poland's Management Board. Many entrepreneurs as well as people working on another forms of employment, after a year's settlement, learn that their account in ZUS contains a affirmative amount. Unfortunately, deficiency of cognition and complex procedures make this money frequently lost or automatically credited to future liabilities alternatively of being returned to the payer's account.

The problem mainly concerns the yearly settlement of the wellness insurance contribution, which has become compulsory since 2022. Variable income, change in the form of taxation during the year or even temporary suspension of business activity – all factors that could make overpayment. Experts are alerting that awareness is inactive low, and ZUS is not obliged to actively inform the anticipation of submitting a request for reimbursement. Therefore, it is crucial that each payer verifies its accounts and takes appropriate steps to recover the funds due to him. The time for action is limited, and the game is about quite a few money.

Where did the overpayment of wellness pay come from? It's the Polish Deal.

The origin of all the confusion is the provisions introduced in the framework Polish Dealwhich radically changed the way wellness contributions are calculated for entrepreneurs. Prior to the reform, most of them paid a fixed flat-rate amount. Currently, the amount of the contribution depends on income (in the case of taxation scale and linear tax) or income (in the case of a lump sum on recorded revenue). This change, combined with the work of yearly accounting, opened the way for overpayments or underpayments.

Overpayment occurs most frequently erstwhile the sum of contributions paid per period of the year is higher than the contribution due from the yearly assessment base. This is the case, for example, erstwhile an entrepreneur in any months achieved advanced income and paid advanced contributions and in others recorded losses or low income. The strategy of advances does not take into account fluctuations throughout the yearwhich only corrects the yearly accounts. As a result, after summing up 12 months, it may turn out that the full amount paid to ZUS exceeds the amount actually due. It is this difference that constitutes an overpayment which can be paid for, and even necessary, to claim.

Who can number on a refund from ZUS? See if you're on the list.

The possible reimbursement of the overpaid wellness contribution concerns a wide scope of payers, but any situations are peculiarly conducive to the creation of this. It is worth carefully examining your situation if you belonged to 1 of the following groups in the erstwhile taxation year:

• Entrepreneurs with irregular income: If your monthly income varied importantly – there were months with a advanced profit and specified with a failure – there is simply a advanced probability that the advance payments were besides advanced compared to the yearly income.
• Persons who have changed the form of taxation during the year: The transition from a flat rate on a taxation scale, for example, could complicate the calculation and lead to a miscalculation of the sum of contributions.
• Businesses suspending or closing: In this case, the yearly contribution base is lower and the previously paid contributions could be calculated from the higher forecast revenue.
• Payers benefiting from relief: Those benefiting from the start-up allowance or the tiny ZUS Plus, which at the same time achieved income from another sources, should besides carefully verify their settlement.

It's crucial to realize that Overpayment is not something special – is the mathematical consequence of a complex system. If you conduct one-man business and settle on the basis of a taxation scale, a linear taxation or a lump sum, the work to verify the yearly wellness contribution settlement is on your side.

How do you find out if you're overpaid? Step by step on PUE ZUS

The verification of whether an overpayment was created in your ZUS account is simpler than it might seem. All essential information can be found on your profile on the ZUS Electronic Services Platform. You don't should be an accountant to check it out. Just follow the instructions below:

1. Login to your account PUE ZUS utilizing the Trusted Profile, electronic banking or qualified certificate.
2. After logging in, go to the tab [Prayer].
3. In the menu on the left choice section [Documents and News]and then [Working documents] or [Documents sent]to find your yearly settlement.
4 ZUS DRA (for single persons) or ZUS RCA (if you employment employees).
5. In the paper find a block on the yearly settlement of the wellness insurance contribution. The key item will be described as ‘Amount to be returned’. If there's a value greater than zero, that means you're overpaid.

The process takes virtually a fewer minutes and can bring real financial benefits. It is worth doing so as shortly as possible after submitting an yearly declaration, so as not to miss the deadline for submitting a refund application.

A request for a refund is simply a key. ZUS will not return the money automatically!

The specified message of overpayment in the PUE ZUS account is only half the success. This is the most crucial minute in which many people make a mistake, assuming that ZUS will automatically transfer money to them. Nothing more wrong. To recover, it is essential to submit a peculiar request for reimbursement of overpayment (RS-R).

This application is generated automatically on your PUE ZUS profile the day after the deadline for the submission of the yearly settlement (i.e. after 20 May). You have very small time to submit it – the deadline is usually in early June. If you do not submit an application within the prescribed time limit, ZUS will not return the money to your bank account. Instead, the overpaid amount will be automatically credited to future contributions. Although money is not completely lost, you lose the chance to have it freely.

Importantly, you will only receive a refund if you are not behind in paying contributions. If you have any debt, the overpayment will first be allocated to cover it. so don't wait – sign in to the PUE ZUS, check your settlement and if you have an overpayment, apply immediately. This is the only way to get your money back into your account.