Poland Statutory and Private Employee Benefits, 2023 Update

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Poland Statutory and Private Employee Benefits Report Overview

Poland has a well-developed social security system that covers the risks of employees, self-employed persons, and their family members. ZUS is the Polish state organization responsible for the social insurance benefits of employees, and KRUS is the Polish social insurance fund that provides benefits to farmers. ZUS is supervised by the Ministry of Family and Social Policy and is responsible for sickness and maternity cash benefits, as well as pensions for retirement, invalidity, survivors, accidents at work, and occupational diseases.

The Poland employee benefits market research report provides in-depth industry analysis, information, and insights into employee benefits in Poland, including an overview of the state and compulsory benefits in Poland, detailed information about the private benefits in Poland, insights on various central institutions responsible for the administration of the different branches of social security and the regulatory framework of the employee benefits in Poland.

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Regulations Guiding Employee Benefits Market in Poland

Some of the key regulations guiding the employee benefits market in Poland are Law on the Social Insurance System was enforced on January 1, 1999, Law on Social Insurance Cash Benefits was enforced on September 1, 1999, Law on Social Insurance Fund Pensions was enforced on January 1, 1999, Law on Family Benefits was enforced on May 1, 2004, Law on Employment Promotion and Labor Market Institutions was enforced on June 1, 2004, and Law on Social Assistance was enforced on May 1, 2004.

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Poland Employee Benefits Market Segmentation by State and Compulsory Benefits

The key state and compulsory benefits offered by employers in Poland are retirement benefits, death in service, long-term disability benefits, short-term sickness benefits, medical benefits, workers’ compensation insurance, maternity and paternity benefits, and other benefits.

Medical Benefits: Medical benefits come under health insurance and are managed by the National Health Fund (NFZ). Doctors, private and public hospitals, and other healthcare providers are contracted by the NFZ. The reimbursement of medical costs and benefits-in-kind are also paid by the NFZ from its budget. All employed persons in Poland, including foreigners, will be provided with compulsory health insurance.

Short-Term Sickness Benefits: The short-term sickness benefit is part of the compulsory social insurance scheme for employees, contractors, and self-employed persons. If an insured individual, or a family member, becomes sick or pregnant then they are eligible for sickness benefits.

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Poland Employee Benefits Market Segmentation by Private Benefits

The key private benefits offered by employers in Poland are retirement benefits, death benefits, medical benefits, disability benefits, accidental death and dismemberment benefits, and other benefits.

Death Benefits: In Poland, generally, larger companies provide voluntary group life insurance to their employees to supplement compulsory life cover provided under the social insurance scheme. Employers purchase customized group cover for their employees, including protection for survivors of critical illness, loss of income resulting from disability, and medical costs.

Medical Benefits: In Poland, health insurance is compulsory, and employers contribute to the National Health Fund with a percentage of the employee’s salary every month. All the employed persons in the country, including foreigners, are covered under the compulsory health insurance system. The health benefits are also available to the family members of the insured.

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Poland Statutory and Private Employee Benefits Market Report Overview

Key Regulations Law on the Social Insurance System was enforced on January 1, 1999, Law on Social Insurance Cash Benefits was enforced on September 1, 1999, Law on Social Insurance Fund Pensions was enforced on January 1, 1999, Law on Family Benefits was enforced on May 1, 2004, Law on Employment Promotion and Labor Market Institutions was enforced on June 1, 2004, and Law on Social Assistance was enforced on May 1, 2004
Key State and Compulsory Benefits Retirement Benefits, Death in Service, Long-Term Disability Benefits, Short-Term Sickness Benefits, Medical Benefits, Workers’ Compensation Insurance, Maternity and Paternity Benefits, and Other Benefits
Key Private Benefits Retirement Benefits, Death Benefits, Medical Benefits, Disability Benefits, Accidental Death and Dismemberment Benefits, and Other Benefits

Scope

This report provides a detailed analysis of employee benefits in Poland –

  • It offers a detailed analysis of the key government-sponsored employee benefits, along with private benefits.
  • It covers an exhaustive list of employee benefits, including retirement benefits, death in service, long-term disability benefits, medical benefits, workmen’s compensation insurance, maternity and paternity benefits, family benefits, unemployment benefits, Long-term care benefits, leaves and holidays, and private benefits.
  • It highlights the economic and regulatory situations relating to employee benefits in Poland.

Key Highlights

• The Social Insurance Institution (Zakład Ubezpieczeń Społecznych—ZUS), Open Pension Funds, Regional Health Funds, Social Welfare Institutions, Voivodeship and poviat Labor offices, The State Fund for the Rehabilitation of Disabled Persons(Państwowy Fundusz Rehabilitacji Osób Niepełnosprawnych–PFRON), National Health Fund (NFZ), The Agricultural Social Insurance Fund, Polish Financial Supervision Authority (KNF) organizations are responsible for the functioning of the overall social security system.

• A person’s national insurance contribution is determined based on their income.

• An insured person who is unemployed or unable to work and whose benefits have been exhausted is entitled to a credited contribution.

• In Poland, employers provide voluntary retirement benefits to their employees through occupational pension schemes, Individual Pension Plans (IKE), and Individual Retirement Security Accounts (IKZE).

Reasons to Buy

  • Make strategic decisions using in-depth information related to employee benefits in the country.
  • Assess employee benefits of the market, including state and compulsory benefits and private benefits.
  • Gain insights into the key employee benefit schemes offered by private employers in the country.
  • Gain insights into key organizations governing the employee benefits market, and their impact on companies.

Table of Contents

  • 1. Executive Summary
  • 2. Introduction
  • 2.1 What is this Report about?
  • 2.2 Definitions
  • 3. Country Statistics
  • 4. Overview of Employee Benefits in Poland
  • 5. Regulations
  • 6. State and Compulsory Benefits
  • 6.1 Retirement Benefits
  • – Introduction
  • – Eligibility
  • – Benefits
  • – Payment options
  • – Contribution

  • 6.2 Death in Service
  • – Introduction
  • – Eligibility
  • – Benefits
  • – Payment options
  • – Contribution

  • 6.3 Long-Term Disability Benefits
  • – Introduction
  • – Eligibility
  • – Benefits
  • – Payment options
  • – Contribution

  • 6.4 Short-Term Sickness Benefits
  • – Introduction
  • – Eligibility
  • – Benefits
  • – Payment options
  • – Contribution

  • 6.5 Medical Benefits
  • – Introduction
  • – Eligibility
  • – Benefits
  • – Payment options
  • – Contribution

  • 6.6 Workers’ Compensation Insurance
  • – Introduction
  • – Eligibility
  • – Benefits
  • – Payment options
  • – Contribution

  • 6.7 Maternity and Paternity Benefits
  • – Introduction
  • – Eligibility
  • – Benefits
  • – Payment options
  • – Contribution

  • 6.8 Other Benefits
  • – Family Benefits
  • – Long-Term Care benefits
  • – Minimum Resources Benefits
  • – Unemployment Benefits
  • – Leave and Holidays

  • 7. Private Benefits
  • 7.1 Retirement Benefits
  • 7.2 Death Benefits
  • 7.3 Medical Benefits
  • 7.4 Disability Benefits
  • 7.5 Accidental Death and Dismemberment Benefits
  • 7.6 Other Benefits
  • 8. About GlobalData
  • 9. Contact Us

Table

Table 1: Poland – Insurance Industry Definitions

Table 2: Poland – Country Statistics, 2022

Table 3: Poland – Qualifying Benefit for Long-term Disability Benefit

Table 4: Poland – Duration of Leaves

Table 5: Poland – Amount of Benefits

Table 6: Poland – Unemployment Benefits

Table 7: Poland – Long-Term Care Benefits in Kind

Table 8: Poland – Fixed National and Public Holidays 2023

Table 9: Poland – Compensation in the Case of Total Disability

Figures

List of Figures

Figure 1: Poland – Main Institutions of Social Security System

Frequently asked questions

  • What are the key regulations guiding the employee benefits market in Poland?

    The key regulations guiding the employee benefits market in Poland are Law on the Social Insurance System was enforced on January 1, 1999, Law on Social Insurance Cash Benefits was enforced on September 1, 1999, Law on Social Insurance Fund Pensions was enforced on January 1, 1999, Law on Family Benefits was enforced on May 1, 2004, Law on Employment Promotion and Labor Market Institutions was enforced on June 1, 2004, and Law on Social Assistance was enforced on May 1, 2004.

  • What are the key state and compulsory benefits in the Poland employee benefits market?

    The key state and compulsory benefits in the Poland employee benefits market are retirement benefits, death in service, long-term disability benefits, short-term sickness benefits, medical benefits, workers’ compensation insurance, maternity and paternity benefits, and other benefits.

  • What are the key private benefits in the Poland employee benefits market?

    The key private benefits in the Poland employee benefits market are retirement benefits, death benefits, medical benefits, disability benefits, accidental death and dismemberment benefits, and other benefits.

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