Social Insurance Institution (ZUS).

Slides:



Advertisements
Similar presentations
1 A Swedish Pyramid. 2 3 Loss of income principle Basic compensation principle statutory insurance and pension schemes collective insurance and pension.
Advertisements

The Making of Welfare States Post world war 2 settlements.
Farmers` Social Insurance in Poland Functional bases System organization.
Finnish Social Security System The Finnish Social Security system is very open and two faceted. Some benefits are residence-based, some employment-based.
Farmers` Social Insurance in Poland Basic information.
THE ROMANIAN THE ROMANIAN SOCIAL SECURITY SYSTEM SOCIAL SECURITY SYSTEM IN THE GLOBAL CONTEXT IN THE GLOBAL CONTEXT Doina Domnica Pârc ă labu General Director.
OVERVIEW OF COMPULSORY INSURANCE (Social, Health & Unemployment Insurance) - HR Dept.-
Social Security & Employees Benefits Administration
1.  Social security means any kind of collective measures or activities designed to ensure that members of society meet their basic needs and are protected.
REPUBLIC OF SLOVENIA MINISTRY OF LABOUR, FAMILY AND SOCIAL AFFAIRS LONG - TERM CARE INSURANCE THE CASE OF SLOVENIA November 2012.
Selwyn Jehoma Q: What’s the definition of optimism? A: A financial planner ironing five shirts on a Sunday evening. It took me quite a long time to fully.
© Family Economics & Financial Education – Updated May 2012 – Types of Insurance – Slide 1 Funded by a grant from Take Charge America, Inc. to the Norton.
Social Security Looking beyond Employment. What is Social Security? Lord Beveridge: …it’s an attack on five giants, viz., Want, Disease, Ignorance, Squalor.
Priority policy directions for Ministry of Labour, Social Protection and Family.
SOCIAL SECURITY. It is a program of protection provided by society against the contingencies of modern life, sickness, unemployment, old age, dependency,
New Pension System in Poland - How to Classify in Accordance with SNA 93 and ESA 95 Krzysztof Pater Undersecretary of State Ministry of Economy, Labour.
TCI-NHIP/HEU 10 th Caribbean Conference on National Health Financing Initiatives Turks and Caicos Islands October 28—30, 2015 TCI-NHIP/HEU 10 th Caribbean.
ADVISORY ROLE OF THE LABOUR INSPECTORATE Borut Brezovar, MSc, Chief Labour Inspector of the RS.
1 Company registration and obligations of an entrepreneur.
Established in 1971 under the Ministry of Human Resources (formerly known as Ministry of Labor) benefitting employees under the Employment Injury Insurance.
1 SocialInsurance Institution (ZUS). 2 Social insurance Their main objective is to provide financial security for the elderly, incapable of work persons,
1 What are we entitled to when we pay contributions?
DG Employment, Social Affairs and Equal Opportunities Modernised Social Security Coordination Zagreb, June 2010 Coordination in the field of sickness,
REPUBLIC OF SLOVENIA MINISTRY OF LABOUR, FAMILY AND SOCIAL AFFAIRS LONG - TERM CARE INSURANCE THE CASE OF SLOVENIA November 2012.
The Compensation Policy of Work Injury Insurance in China Mr. ZHANG HAN Division Chief Department of Work Injury Insurance Ministry of Human Resources.
CHALLENGES OF THE PENSION SCHEME IN VIETNAM. 1. Social Insurance Law adopted in 2006 Compulsory SI schemes including: Sickness, Maternity, Employment.
11 Old-age pensions and the insurance system. 22 OLD-AGE PENSION is a cash benefit intended as the old-age security for persons who due to their age no.
13-1. P A R T P A R T Compensating Human Resources Establishing a Pay Structure Recognizing Employee Contributions with Pay Providing Employee Benefits.
Financing pension system in a country in transition - Poland Zofia Rutkowska Polish Social Insurance Institution - ZUS.
M O N T E N E G R O Negotiating Team for the Accession of Montenegro to the European Union Working Group for Chapter 19 – Social Policy and Employment.
Looking beyond Employment
What is The Health Insurance?
Social Welfare Policymaking
Social security measures in India
The Effects of the Crisis in Social Security Systems ACTRAV – ETUI Torino 03/09/2009 Fabio Durán Valverde Jesús García Jiménez.
How to provide health insurance for unemployed person?
Lecture number 3 Thread: Insurance Medicine.
social protection systems
HEALTH CARE POLICY.
Government Programs designed to improve quality of life.
Social security system
of a Self-employed Person Adriana Járošiová & Marianna Csetnekyová
Lecture 2 Introduction to Employee Benefits
UEMS – Dietrich Bornemann
UEMS – Dietrich Bornemann
Measures to promote the social security of the self-employed
Pension reform and private pension funds in Poland: Goals and Facts.
The German Health Care System and the Federal Joint Committee (G-BA)
Social Welfare Policymaking
Old-age pensions in Poland and worldwide
Lithuanian pension system and reforms MISSOC Network Meeting Vilnius, October Ministry of Social protection and Labour.
Social Welfare Policymaking
PENSION SYSTEM IN REPUBLIC OF MACEDONIA.
What are we entitled to when we pay contributions?
Types of Insurance Advanced Level.
Can government regulation help extend worker voice to the self-employed? CASE STUDY: POLAND.
“Take Charge of Your Finances” Advanced Level
“Take Charge of Your Finances” Advanced Level
“Take Charge of Your Finances” Advanced Level
Social protection of self-employed
“Take Charge of Your Finances” Advanced Level
The Effects of the Crisis in Social Security Systems ACTRAV Torino 15/07/2010 Fabio Durán Valverde Jesús García Jiménez.
Component 1: Introduction to Health Care and Public Health in the U.S.
The Effects of the Crisis in Social Security Systems ACTRAV Torino 15/07/2010 Fabio Durán Valverde Jesús García Jiménez.
“Take Charge of Your Finances” Advanced Level
Freedom of movement of workers in the EU
SOCIAL SECURITY INTRODUCTION
Component 1 Study Visit The Ministry of Labour and Social Affairs, its responsibilities and subordinate authorities Pavel Janeček, Head of the International.
China's Basic Pension Gap
Presentation transcript:

Social Insurance Institution (ZUS)

Social insurance provides money to people who cannot work, due to, among others, poor health or old age. ZUS pays either short-term or lifelong benefits. 2

Social Insurance in Europe The idea of social insurance emerged at the end of the 19th century in Germany. It was the period of the industrial revolution in Europe. The author of the changes was the Chancellor of the Second Reich Otto von Bismarck. The years 1880-1930 were the times of experiment and exploration in social policy, focusing on the search for the best methods of state interference in social affairs. Otto von Bismarck, the Chancellor of the Second Reich, has played an important role in shaping the contemporary social policy. He introduced three types of compulsory insurance: sickness insurance (1883), accidents insurance (1884), old age and disability insurance (1889). The German laws triggered the search for the best ways to solve social problems by other European countries. Many of these countries have considered the German solutions worth following. 3 3

Polish social insurance system – 28 March 1933 the Social Insurance Act, which consolidated the social security system in Poland 24 October 1934 the regulation of the President of the Republic of Poland, Ignacy Mościcki, which established the Social Insurance Institution When Poland regained its independence, it was necessary to create a unified and modern social insurance system. In the reborn country, the legislation of the partitioning powers was in force. The unification of the insurance system in the Second Polish Republic lasted for several years. The Social Insurance Act, adopted on 28 March 1933, has consolidated the social insurance. This is why it is referred to as the Consolidating Act. It covered all types of social insurance: sickness and maternity, in the event of an insured person's incapacity for work or in the event of death, work accident and occupational disease insurance, "all causes" insurance, old-age insurance for blue-collar and white-collar workers. By the Ordinance of the President of the Republic of Poland of 24 October 1934 on the amendment of the Social Insurance Act five separate institutions merged into one (under the name Social Insurance Institution – ZUS, based in Warsaw): Social Insurance Chamber, Sickness Insurance Institution, Accident Insurance Institution, Non-Manual Workers' Insurance Institution, Manual Workers' Insurance Institution. ZUS managed five insurance funds whicht were administratively connected but financially separated. 4

ZUS: grants and pays, among others: old-age pensions, sickness and maternity allowances; collects and keeps a record of contributions to: Social Insurance Fund, Labour Fund, Fund of Guaranteed Employee Benefits, Bridging Old-Age Pensions Fund; collects health insurance contributions and transfers them to the National Health Fund; maintains individual accounts of the insured and accounts of contribution payers (entrepreneurs); carries out tasks in the field of disability and accident prevention. Old-age pension: a benefit for a person who can no longer work due to his age and who paid contributions during his professional performance. Pension: a benefit for: a person who is incapable of work (disability pension), for a family member (including a child) after the death of an insured person, an old-age pensioner or a pensioner (survivor's pension), for a person whose incapacity for work appeared before completing: 18 years of age – during school or university education 25 years of age – during doctoral studies or scientific aspirant (social pension). Sickness allowance: a benefit for a person who cannot work because he/she is sick, paid on the basis of a doctor's certificate. Maternity allowance: a benefit for a person who cannot work because he or she looks after a new-born or adopted child. Care allowance: a benefit for a person who cannot work because he or she looks after a sick member of his/her close family. Funeral grant: a benefit for a person who covered the costs of a funeral. Labour Fund (FP): labour offices manage its resources and finance: unemployment benefits, intervention works, public works, trainings for the unemployed. Fund of Guaranteed Employee Benefits (Fundusz Gwarantowanych Świadczeń Pracowniczych FGŚP): provides, among others, payment of outstanding remuneration to employees whose employer is insolvent. Bridging Old-Age Pension Fund (FEP): bridging old-age pensions. National Health Fund (Narodowy Fundusz Zdrowia NFZ): finances health services and reimburses medicines. Individual account of the insured person: account in which ZUS records all contributions paid for the insured. Contribution payer's account: account in which ZUS records all contributions paid by an entrepreneur and information about his employees. Social Insurance Institution performs tasks in the field of: disability prevention, including referring to medical rehabilitation (for example the insured who have problems with the vocal organs) accident prevention, including: spreading knowledge about the risks that accidents at work and occupational diseases entail and how to counteract them; co-finances those activities of contribution payers which are supposed to prevent accidents at work and occupational diseases, and maintain the ability to work throughout the whole period of employees' professional activity.

Participants of the universal social insurance system: CONTRIBUTION PAYERS INSURED PERSONS CLAIMANTS over 24 million employees, contractors and others over 7,3 million pensioners on average 1,8 million people who receive benefits, for example: sickness, maternity or care allowances about 2,5 million employers and entrepreneurs There are also other social security systems in Poland, which cover: farmers (Agricultural Social Insurance Fund - Kasa Rolniczego Ubezpieczenia Społecznego KRUS), uniformed services, prosecutors and judges. ZUS does not insure them. 6

ZUS manages the SOCIAL INSURANCE FUND (FUS) Social insurance contributions go to the special fund – Social Insurance Fund (FUS), which is managed by ZUS. It is from FUS that benefits are paid. ZUS manages the SOCIAL INSURANCE FUND (FUS) NOTE: ZUS ≠ FUS Social Insurance Fund (Fundusz Ubezpieczeń Społecznych FUS) – its budget includes social security contributions and subsidies from the state budget. The Social Insurance Fund may also take out loans. FUS is managed by ZUS. ZUS pays out: old-age pensions, disability pensions, sickness, care and maternity allowances. Why is the difference between ZUS and FUS so important? Because ZUS is only an institution that the Polish state has set up to collect contributions to the Social Insurance Fund and to pay benefits. ZUS is an institution that implements state policy in the field of social insurance.

The amount of contributions and the rules for calculating benefits are determined by the parliament.

Legal basis

Expenditure of the Social Insurance Fund (plan for 2018) is at the level of 59% of the state’s budget expenditure EXPENDITURE in 2018 r. State budget PLN 397.2 billion FUS resources PLN 233 billion

ZUS does not create the law nor establishes rules governing the social insurance system, including the old-age pension system. What does it mean? ZUS is obliged to correctly calculate and pay these benefits ZUS does not have any impact on the level of granted benefits but Here we may use the pupils' knowledge acquired during the Civic Education Classes (Wiedza o społeczeństwie, WOS) on the legislative power. ZUS is obliged to collect and keep a record of contributions ZUS does not have any impact on the level of social security contributions but