A 60-year-old woman with 40 years of work gets around PLN 3,500 pension from ZUS

A 60-year-old woman with 40 years of contributions can expect a ZUS pension of roughly PLN 3,500 gross per month, depending on her earnings history. A study titled "Preparing for Old Age" found that 90% of Polish women retire as soon as they reach retirement age, often without first checking the amount they will receive. Retiring early reduces the pension because it shortens the contribution period.

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