Pensioners in Poland must submit the EPD-21 form to ZUS before September to potentially increase their net 14th pension payout by up to 225 PLN by adjusting income tax withholding. <\/p>\n
The 14th pension payments are scheduled to begin in September 2026. For some retirees, this is the final window to submit the EPD-21 form to ZUS. This document does not increase the gross amount of the benefit, but it stops the deduction of income tax advances until the tax-free allowance limit is reached, resulting in a higher net transfer.<\/p>\n
The EPD-21 form is effective only when it matches the taxpayer’s specific financial situation. It is primarily beneficial for those receiving monthly benefits between the minimum pension and approximately 2,490 PLN gross.<\/p>\n
The largest gains are reserved for pensioners whose annual income will not exceed 30,000 PLN. By filing the form, ZUS will cease tax withholding on monthly, 13th, and 14th pensions until the threshold is met. Those who have filed this form in previous years do not need to resubmit it, provided their tax status remains unchanged.<\/p>\n
Calculations show that for a pension of 2,400 PLN gross, the net gain can reach 225 PLN. These figures are estimates based on the cessation of PIT advances.<\/p>\n
A significant caution remains: if a pensioner’s total annual income exceeds 30,000 PLN, opting out of tax withholding may lead to a tax deficit. Pensioners with additional sources of income or those working while retired should carefully verify their projected annual earnings before submitting the form to avoid owing the tax office money during the annual settlement.<\/p>\n
The Ministry of Family has proposed a regulation to start 14th pension disbursements in September 2026. Full payments are granted to those whose basic benefit does not exceed 2,900 PLN gross, with a sliding scale adjustment for higher earners. Submitting the EPD-21 form to ZUS should be completed promptly before the disbursement period commences to ensure the changes are processed in time.<\/p>\n","protected":false},"excerpt":{"rendered":"
Pensioners in Poland must submit the EPD-21 form to ZUS before September to potentially increase their net 14th pension payout by up to 225 PLN by adjusting income tax withholding. The Impact of EPD-21 on Monthly Benefits The 14th pension payments are scheduled to begin in September 2026. For some retirees, this is the final […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"wpai_generated_summary":"","footnotes":""},"categories":[40],"tags":[],"class_list":["post-6283","post","type-post","status-publish","format-standard","hentry","category-business"],"_links":{"self":[{"href":"https:\/\/bizonews.com\/pl\/wp-json\/wp\/v2\/posts\/6283","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bizonews.com\/pl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bizonews.com\/pl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bizonews.com\/pl\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/bizonews.com\/pl\/wp-json\/wp\/v2\/comments?post=6283"}],"version-history":[{"count":0,"href":"https:\/\/bizonews.com\/pl\/wp-json\/wp\/v2\/posts\/6283\/revisions"}],"wp:attachment":[{"href":"https:\/\/bizonews.com\/pl\/wp-json\/wp\/v2\/media?parent=6283"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bizonews.com\/pl\/wp-json\/wp\/v2\/categories?post=6283"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bizonews.com\/pl\/wp-json\/wp\/v2\/tags?post=6283"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}