ZUS Plan: Pension and Disability Spending to Reach 471.3 Bln Zł in 2027
Spending on Polish pensions and disability allowances will reach 471.3 billion zlotys in 2027, according to the official financial plan for the Social Insurance Fund released by Zakład Ubezpieczeń Społecznych.
That figure accounts for nearly 88 percent of all costs for the Fund, known as FUS. Social insurance contributions will serve as the primary income source, marking a 24.6 billion zloty increase over 2026, supplemented by 91.7 billion zlotys in state budget subsidies and 15.4 billion zlotys transferred via the safety valve mechanism from open pension funds.
The average monthly number of retirees and disability beneficiaries will climb above 8.7 million people, representing an increase of 113,000 individuals compared to 2026. At the same time, the average monthly pension and disability payment will rise by 6.2 percent to nearly 4,530 zlotys, driven by indexation, volume growth, and regulatory changes to survivor pensions.
Indexation for 2027 is forecast at a rate of 103.96 percent, while the survivor pension framework will see the second component of the benefit increase from 15 percent to 25 percent starting January 1, 2027, guaranteeing higher payouts for eligible widows and widowers provided they stay within the statutory limit capped at three times the lowest pension.
FUS will also allocate 6,7 mld zł to cover Zakład Ubezpieczeń Społecznych operational activities, representing 1.25 percent of all fund expenditures, which the institution notes is the lowest share in over a dozen years. Additional allocations include nearly 5 billion zlotys for the Demographic Reserve Fund, alongside funds for accident prevention.
While the state financial plan moves forward, the Senate is reviewing a separate legislative petition registered as petycja nr P11-269/26 which proposes shifting the annual indexation date from March 1 to January 1 to eliminate the two-month gap where seniors receive unadjusted payments.
That petition also calls for a new indexation formula reflecting actual wage growth and senior inflation, a guarantee that the indexation rate will never drop below zero, quarterly adjustments, and the permanent integration of 13th and 14th pension payouts into the baseline calculation.
Separate proposals submitted to the Sejm parliamentary committee and cited by Rynek Zdrowia suggest tying the minimum pension directly to 90 percent of the minimum wage, which would target a baseline of 4,455 zlotys gross by July 2027 through phased adjustments starting in January. Government macroeconomic assumptions underpinning the official FUS plan project a 3 percent gross domestic product growth, 2.8 percent inflation, and a 5.9 percent increase in average wages for 2027.