Enrolling in PPK for participation

The condition of participation in PPK is to work in the same entity employing 3 months (90 days) in the previous 12 months, completing 18 years of age, but less than 70 years and subject to compulsory insurance: retirement and disability.

• Contractors aged 18 to 54 are enrolled in PPK automatically, which means that they do not have to perform any action for this purpose. If they do not express their participation in PPK, they have the right to submit a declaration of resignation from participation in PPK according to the pattern available here
• Contractors aged 55 to 70 (who are under 70 years of age) are enrolled in PPK at their request submitted to the client. The model of entering PPK is available here

Contractors who have resigned from participation in PPK may join the program at any time. To this end, you must submit an application for re -making payments to the employee capital plan, which is available here.

Payments to PPK

The basis for calculating payments on PPK is gross remuneration, i.e. the amount of the pension and disability pension contributions. PPK payments consist of:

• Basic payments of the Contractor in the amount of 2% of the abovementioned remuneration
• Basic payments of the client in the amount of 1.5% of the abovementioned remuneration
• State payments: Annual subsidies of PLN 240 and a welcome (one -off) payment in the amount of PLN 250

The PPK participant may declare the payment of additional payments to PPK in the amount of up to 2% of the remuneration. In this situation, the total value of its payments to PPK will be 4%. The model declaration of increasing the funds to PPK is available here .

PPK participants reaching remuneration from various sources not exceeding the equivalent of 1.2 times the minimum wage may reduce the amount of the basic contribution to 0.5% of the remuneration. A model declaration of reducing funds to PPK is available here .

Transfer of declarations and applications

Completed declarations and applications should be sent to the address indicated in the contract or submitted to the guardian of the contract on the part of Poczta Polska.

With detailed information about, among others The rules for using the accumulated savings, the possibility of their payment or return and investing can be read on the official information portal of employee capital plans.