PLN 5,626.90 can be added to your pension without any consequences

Extra cash earning limits for retirees and pensioners

The supplement limits for early retirees (who have not yet reached retirement age – 60 years for women and 65 years for men) and pensioners change quarterly. They are influenced by changes in the average monthly salary. We learn how much extra money you can earn during your retirement or disability pension from the announcements of the President of the ZUS. He predicts two amounts because there are two limits for earning extra money – 70% of the average monthly salary and 130% of the average monthly salary. You can earn extra money up to the first limit without any consequences for the benefit received from the ZUS. The second limit is the threshold for the suspension of a pension or disability pension.

Furthermore, if the first limit is exceeded, the so-called maximum reduction amount is applied. This amount is set once a year, on March 1. From March 1, 2024, the maximum reduction amount is PLN 890.63. Therefore, if the pensioner exceeds the first limit by more than PLN 890.63, the ZUS will reduce the pension or disability pension by a maximum of PLN 890.63. Only exceeding the next limit (130% of the average monthly salary) will result in the suspension of the benefit.

How much can you currently earn in addition to your pension?

In 2024, without a reduction in benefits, you could earn PLN 5,036.50 (January-February), PLN 5,278.30 (March-May), PLN 5,703.20 (June-August). How much can you earn in retirement from September to November 2024? There is already a Statement from the President of ZUS dated August 12, 2024 on the amounts of income corresponding to 70% and 130% of the average monthly earnings announced for the second quarter of 2024 used in the reduction or suspension of pensions and annuities. According to this message the first limit is PLN 5,626.90 (70% of the average monthly salary announced for the second quarter of 2024), and the second limit is PLN 10,450.00 (130% of the average monthly salary announced for the second quarter of 2024).

In line with the above, income limits for retirees and pensioners are decreasing. From September 1 to November 30, 2024, you can earn a maximum of PLN 5,626.90 without reducing your pension or disability pension. The maximum reduction is still PLN 890.63. However, the second limit that triggers the suspension of the pension or disability pension has also been reduced – PLN 10,450.00.