Pension indexation in 2025 will surprise seniors. How much will they receive after the increase? [TABELA]

The published list of government legislative work includes information on the draft regulation on the indicator indexation of pensions and annuities for 2025. The government has proposed to keep this indicator at the minimum level provided for by law. This means that next year’s indexation of pension and disability benefits may be far from that of 2024.

Social security indexation 2025 – benefit increase forecasts

According to preliminary assumptions, the indicator the indexation of pensions and annuities in 2025 will be 6.78%.. The government has planned this amount at the legal minimum, which means that the indexation costs for the state budget will amount to approximately PLN 28.1 billion. For senior citizens this means:

• increase of the minimum pension from PLN 1,781 gross to PLN 1,901.75 gross;
• an increase in the average pension from approximately PLN 3,500 gross to PLN 3,737 gross;
• increase of higher benefits, for example, pensions worth PLN 5,000 gross to PLN 5,339 gross.

How much was the indexation in 2024 and why will it be lower in 2025?

In 2024 pension indexation was 12.12%, as a result of high inflation, which significantly influenced the increase in benefits. The minimum pension then increased from PLN 1,588.44 to PLN 1,780.96 gross. However, in 2025 the indexation rate will be much lower (6.78%), which is due to the lower level of inflation and the government’s decision to include the real increase in average wages only in the statutory minimum level.

Pension indexation 2025. How will it be calculated?

Pensioner appreciationr is calculated based on the average annual consumer price index of the previous year, plus at least a 20% real increase in the average wage. In 2025, due to the reduction in inflation and government decisions regarding real wage increases, the indexation rate was set at 106.78%, a lower value than in previous years.

According to government estimates, the indexation of pensions and annuities in 2025 will cost the state budget approximately PLN 28.1 billion.

How much will the 2025 pension be after indexation? [TABELA]

Below are the predictions pensions after indexing in 2025. The table shows the gross and net amounts that seniors will receive after the March increases:

Pension indexation 2025. From when will higher benefits be introduced? [TERMIN]

Higher retirement benefits after indexing in 2025 year will be available for seniors of… March 2025. Pensions and annuities are indexed annually in this month. This means that retirees and disability pensioners will receive higher amounts of their benefits along with the March payment, i.e.:

• the first payments of indexed pensions will be transferred to retirees’ accounts between 1 and 28 March 2025, depending on the agreed payment date;
• retirees who receive benefits at the beginning of March will have higher amounts at the beginning of the month;
• People whose pensions are paid at the end of the month can expect an increase at the end of March.

ElderlyThose whose payment date is set for the last day of the month will be able to count on their indexed pension until March 28, 2025.

Pension indexation 2025. Who is entitled to higher benefits?

Indexation of pensions and annuities is available to all people who currently have February 28, 2025 was entitled to receive retirement and disability benefits. This means that:

• retirees who retired before February 28, 2025;
• people receiving survivors benefits;
• people receiving disability benefits;
• people receiving social pensions.

There is no need to submit applications because indexing will be done automatically.

Indexation of pensions and annuities 2025. Summary

Pension indexation in 2025 will be lower than in previous years, which is mainly due to lower inflation and the government’s decision to apply a minimum wage increase rate. Elderly can expect increases in their benefits, but they will not be as high as in 2024. Despite this, indexing will bring additional resources that can help retirees with day-to-day expenses.