It should be noted that this is not about the indexing of pensions, which is carried out each year in March, allowing beneficiaries to expect a higher monthly pension payment. This time it concerns the indexing of money accumulated in pension accounts. Although it is important, as it will allow future retirees to receive a higher benefit future retirees, it currently does not mean any change for them, except for the change in the balance of their pension account, which they can only view.
Future retirees will see more money in their accounts
Many working people do not even know the balance of their pension account. You can check it, for example, by logging into the website zus.pl. Thanks to the annual indexing carried out by the Social Insurance Institution, their balance will change. Funds recorded on accounts insured with ZUS will increase by 9.81%, and on sub-accounts by 10.61%. Note that sub-accounts belong to people who were members of OFE, to which contributions for retirement were paid since 2011.
Although the increase in pension account balances will not be record-breaking this year, a significant amount will still arrive in some. Recall that the record increase occurred in 2025 and was 14.41%. This time it will be less, but for those who have enough capital, the change will be significant. For people who have accumulated, for example, 450,000 PLN so far, the change will be over 44,000 PLN, which, after retirement, will translate into a monthly benefit higher by about 200 PLN. Even more will be gained by those who have larger amounts on their account. For insured persons who have 850,000 PLN on their pension account, the change is over 83,000 PLN. This will allow after retirement to receive 400 PLN more per month than it would be without the indexing carried out by ZUS.
Access to information on the Internet
In previous years, indexing the money accumulated in pension accounts was associated with the fact that after it was carried out, ZUS sent all insured persons a postal notice about the change in account balance. That is now the past. If a person paying contributions would like to find out how their pension account balance looks, they must go to ZUS or log into the individual account on the website zus.pl. That is where, in electronic form, ZUS sends information about indexing. This is mainly a big savings, because this type of information was sent each year to about 21-22 million Poles, which involved postal costs that ZUS had to bear.
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