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RENTA DOŻYWOTNIA W NOWEJ ODSŁONIE W Polsce oferuje się hipotekę odwróconą w dwóch modelach. Pierwszy to renta dożywotnia oferowana m.in. przez fundusze hipoteczne, z która jako profesjonalna usługa pojawiła się 2008 roku. Drugi to odwrócony kredyt hipoteczny, czyli usługa, którą mogłyby oferować banki, gdyby zdecydowały się wprowadzić to rozwiązanie. Jak informuje portal biznes.interia.pl największy i najstarszy fundusz hipoteczny w Polsce chce iść tropem zagranicy i zróżnicować oferowaną rentę dożywotnią pod kątem potrzeb senioralnych. Na razie zaczyna szereg badań konsumenckich. Z badań wyciągnięto już takie wnioski jak: po pierwsze – seniorzy chcieliby otrzymywać świadczenia w wysokości…Więcej...
ZMIANY W EMERYTURACH, RENTACH I ZASIŁKACH Celem projektu Ministerstwa Rodziny i Polityki Społecznej jest uporządkowanie systemu ubezpieczeń społecznych i wprowadzenie jednolitych rozwiązań w zakresie przyznawania i wypłaty świadczeń, a także usprawnienie funkcjonowania ZUS. W tym celu przygotowano projekt nowelizacji ustawy o systemie ubezpieczeń społecznych przewiduje wprowadzenie od 1 stycznia 2022 r. bezgotówkowej formy wypłaty emerytur i rent, rowiązanie problemu tzw. emerytur czerwcowych oraz zmiany w zasadach pobierania zasiłków. Osoby, które uzyskały świadczenia wcześniej, będą mogły korzystać z dotychczasowej formy przekazywania świadczenia – np. za pośrednictwem Poczty Polskiej. W przypadku osób, które świadczenia uzyskają po 31 grudnia…Więcej...
31 MAJA – WAŻNA DATA DLA SENIORÓW, KTÓRZY DORABIAJĄ o 31 maja dorabiający do zasiłku przedemerytalnego maja czas na złożenie deklaracji o przychodach. Ci, którzy zapomną o złożeniu deklaracji, ZUS potrąci pieniądze, albo wstrzyma wypłatę. Do końca maja osoby dorabiające do zasiłku lub świadczenia przedemerytalnego muszą powiadomić o przychodach osiągniętych między1 marca 2020 r. a 28 lutego 2021 r. – przypomina Zakład Ubezpieczeń Społecznych (ZUS). Pobierając świadczenie przedemerytalne można dodatkowo pracować, trzeba jednak pamiętać o limitach dorabiania i rozliczaniu tych przychodów. Jeśli przychód nie przekracza 25 proc. średniej krajowej (wyliczanej na 2020 rok, tj. 5167,47 zł), to świadczenie lub…Więcej...
ZUS STAWIA NA CYFRYZACJĘ Zakład Ubezpieczeń Społecznych w celu unowocześnienia sposobu swojego funkcjonowania nawiązał współpracę z Chmurą Krajową. Według Zakładu ma to być kolejny krok do „cyfrowej przyszłości”. Zdaniem serwisu wirtualnemedia.pl współpraca ZUS-u z Chmurą Krajową ma być pomocna w analizie „procesów i architektury technicznej”, by umożliwić pracownikom realizowanie większej liczby działań zdalnie. Można się więc spodziewać, że docelowo działania Zakładu Ubezpieczeń Społecznych będą coraz częściej dostępne przez Internet, a sami pracownicy – niekoniecznie fizycznie obecni w biurach. „Nawiązanie współpracy to kolejny krok w kierunku unowocześnienia Zakładu Ubezpieczeń Społecznych” – tłumaczy prezes ZUS Gertruda Uścińska, cytowana przez wirtualnemedia.pl.„Chcemy, żeby…
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BONY TURYSTYCZNE DO KOŃCA MARCA 2022 ROKU Prezes ZUS, Gertruda Uścińska przypomina, że bony turystyczne są ważne do końca marca przyszłego roku.Do tej chwili wydano na nie 1,3 mld zł. „Przed okresem urlopowym i wakacjami widzimy rosnące zainteresowaniem bonem. Na jego realizację jest bardzo dużo czasu. Bon jest ważny do 31 marca 2022 r. Co istotne, nie podlega wymianie na gotówkę, ani inne środki płatnicze” – mówi Uścińska. Do tej pory wystawiono ponad 1,5 mln bonów o łącznej wartości ponad 1,3 mld zł. Przy pomocy bonów wykonano ok. 470 tys. płatności na łączną kwotę ponad 340 mln…Więcej...
„LINIOWA” SKŁADKA ZDROWOTNA BEZ MOŻLIWOŚCI ODLICZENIA Brak możliwości odliczenia składki zdrowotnej od podatku to fundamentalna zmiana. „To w praktyce oznacza podwyższenie stawek podatku” – komentuje Małgorzata Samborska, ekspertka ds. podatków w Grant Thornton. Według ekonomistów może to wpłynąć na realne wynagrodzenia Polaków bardziej niż inne rozwiązania proponowane w Polskim Ładzie. „Zmianą zdecydowanie niekorzystną, a jednocześnie taką, która nie wybrzmiała, gdyż została wpleciona w wypowiedź premiera o systemie zdrowotnym, jest brak możliwości odliczenia składki zdrowotnej. (…) W uproszczeniu można powiedzieć, że to właśnie podwyższenie podatku o 7,75 proc. – komentuje propozycje Polskiego Ładu Małgorzata Samborska, doradczyni podatkowa…Więcej...
ZUS SZYKUJE SIĘ DO KONTROLI SAMOZATRUDNIONYCH Prowadzący działalność gospodarczą zaraportują urzędnikom, jaki wykonują zawód. To przymiarka do testu przedsiębiorcy – alarmują prawnicy – pisze „Rzeczpospolita”. Jak czytamy, od 16 maja zmieniają się druki zgłoszeniowe do ZUS, w których przedsiębiorcy mają podawać kod zawodu zatrudnionych u siebie etatowych pracowników czy zleceniobiorców. Z informacji, jakie „Rz” uzyskała w ZUS, wynika jednak, że informacje o wykonywanym zawodzie będą musiały podać także prawie dwa miliony prowadzących działalność gospodarczą. ZUS tłumaczy nowy obowiązek potrzebami statystycznymi.„Informacja o wykonywanym zawodzie jest kluczowa przy prowadzeniu monitoringu zawodów deficytowych i nadwyżkowych, analiz czy prognoz dotyczących…Więcej...
PODWYŻKI W ZUS
Obowiązek opłacania składek ZUS dotyczy wszystkich przedsiębiorców. Opłaty te obejmują składkę emerytalną, rentową, chorobową (ta niekiedy jest dobrowolna), wypadkową i zdrowotną. Poszczególne wpłaty umożliwiają otrzymywanie określonych świadczeń z tytułu choroby, macierzyństwa, niezdolności do pracy czy przejścia na emeryturę. Podwyżki ZUS wprowadzane są co jakiś czas, a ich wysokość może być różna. W związku z odnotowaną na początku 2021 roku podwyżką ZUS wszystkie składki opłacane przez osobę prowadząca działalność gospodarczą wyniosły 1 457,49 zł. Była to niewielka zmiana w porównaniu do 2020 — jedynie 26,01 zł (1,8 proc.). Wysokość składki emerytalnej,…Więcej...
ZMIANY W SYSTEMIE UBEZPIECZEŃ SPOŁECZNYCH Rząd ma zająć się projektem nowelizacji ustawy o systemie ubezpieczeń społecznych. Projekt ten zapowiada wprowadzenie od 1 stycznia 2022 r. bezgotówkowej formy wypłaty emerytur i rent, rozwiązanie problemu tzw. emerytur czerwcowych, a także zmiany zasad pobierania zasiłków. Celem projektu przygotowanego przez Ministerstwo Rodziny i Polityki Społecznej jest uporządkowanie systemu ubezpieczeń społecznych i wprowadzenie jednolitych rozwiązań w zakresie przyznawania i wypłaty świadczeń, a także usprawnienie funkcjonowania ZUS. Osoby, które uzyskały świadczenia wcześniej będą mogły korzystać z dotychczasowej formy przekazywania świadczenia – np. za pośrednictwem Poczty Polskiej. W przypadku osób, które świadczenia…Więcej...
NADCHODZĄCA ZMIANA W ZUS W dokumentach zgłoszeniowych do ubezpieczeń od 16 maja będzie obowiązek wykazać kod wykonywanego zawodu. Jak zapewnia szefowa Zakładu chodzi o statystykę. „Pozwoli nam to oszacować, w których zawodach występuje największa zachorowalność i w jakich okresach” – wyjaśnia prof. Gertruda Uścińska. Zmiana będzie dotyczyć formularzy zgłoszeniowych ZUS ZUA i ZUS ZZA dojdzie kolejna rubryka, w której trzeba będzie przekazać informacje o wykonywanym zawodzie.„Pragnę uspokoić przedsiębiorców, że dane będą wykorzystywane głównie do celów statystycznych” – zapewnia prezes ZUS prof. Gertruda Uścińska. „Pozyskiwanie informacji o zawodzie ubezpieczonego to ważny instrument tworzenia lepszychpolityk…
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