Dodatkowe źródła dochodu na emeryturze

Seniorzy na emeryturze otrzymują odpowiednie świadczenia z budżetu państwa. Czasem jednak zdarza się, że te świadczenia nie spełniają ich oczekiwań. Pozostaje wtedy jedynie dorobić sobie do emeryturę. Ale jak to wygląda – czy to takie proste? Jakie są ograniczenia?

Przede wszystkim emeryt, który podejmuje pracę zarobkową powinien o tym fakcie powiadomić ZUS. Powinien zgłosić sam fakt, jak również wysokość pobieranego dochodu. To bardzo ważne. Jeżeli nie powiadomimy ZUS to będziemy musieli zwrócić pieniądze. I to za okres trzech lat kalendarzowych, które poprzedzają rok wydania decyzji o rozliczeniu emerytury.

Pamiętajmy – konieczne poinformować ZUS. Ale jeżeli już pracujemy – jaki ma to wpływ na wysokość pobieranej przez nas emerytury? Jeżeli pobieramy dochód w wysokości nie większej niż 70 procent przeciętnego miesięcznego wynagrodzenia to nie ma obaw. Emerytura będzie bez zmian.

A co jeżeli zarabiamy więcej niż te 70 procent przeciętnego miesięcznego wynagrodzenia, ale nie więcej niż 130 procent tej kwoty? Wtedy nasza emerytura ulegnie zmniejszeniu. O ile? O kwotę o jaką przekroczyliśmy te 70 procent przeciętnego wynagrodzenia. A co jeżeli zarabiamy ponad 130 procent przeciętnego miesięcznego wynagrodzenia? Niedobrze, ZUS nam może wtedy wstrzymać wypłacanie emerytury. ZUS co kwartał ogłasza kwoty przychodów emerytów i rencistów.

O tym również należy pamiętać. I sprawdzać. Jeżeli zaś emeryci, którzy osiągnęli wiek emerytalny przed przejściem na emeryturę lub przed podjęciem pracy zarobkowej mogą dorabiać bez ograniczeń.

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