Kamila Součková
27. 1. 2025
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3 minutes
He’s not a pensioner, like a pensioner. Some people think that they have been working all their lives, and therefore they retire early, thinking that they will finally read the books that they did not have time for in their entire productive life. Some have joint replacements all over their bodies and die in retirement. But there are also chippers among the pensioners, who are full of energy at retirement age and continue to work.
According to the Ministry of Labor and Social Affairs, we have 270,000 smart, meaning working pensioners. And starting this year, all of them will improve by up to thousands of crowns a month, whether they are employed or self-employed. How is that possible?
You need to be active yourself
As part of the pension reform, the government came up with the news that from January they do not have to pay social insurance, which is 6.5 percent of the gross salary. But it would be hell if it didn’t have a hook. Social administrations do not have data on the amount of income in a given month available, and therefore the reduction of contributions cannot be automatic. It is necessary for workers to get an old-age pension they themselves applied to the employer for a discount on the insurance premium.
How to ask for thousands of extra crowns – retired employees
According to František Boháček, the central director of the Czech Social Security Administration, the following two steps will suffice. First, write the following text: “I am requesting a discount on the insurance premium for working pensioners”. Second, write an affidavit about receiving an old-age pension, or request a pension payment confirmation from the CSSA. Both must be documented by the employer.
How to ask for thousands of crowns extra – self-employed pensioners
The procedure is different for self-employed people. For those who do not have a flat rate tax, in order to apply for a tax discount, it is necessary to fill out a form on the reduction of advance payments on the insurance premium. It means they will pay 22.7 percent instead of the previous 29.2 percent.
If self-employed people send regular advances throughout this year, they will be entitled to the discount for 2025 next year. If the self-employed person has a lump sum, after the end of the year next year, he will ask the social administration to return the overpayment.
He will get better now in January
In order for employed pensioners to receive more money for their January salary, they must not delay. It is necessary to apply for remission of levies now until the end of January. But even if they do it later, they will not lose the amount forgiven for the previous time. But it’s more complicated and you have to go around the authorities – i.e. apply to the social administration for a refund of the overpayment on the insurance premium, and at the same time you have to provide the authority with a certificate of earnings from the employer.
Hook number two
Attention! For the sake of completeness, we would like to add that the remission of pension contributions replaces the previous slight increase in the old-age pension for extra time worked. In 360 days, it was 0.4 percent. However, we will now give an example so that working pensioners are aware of how much the monthly deduction is worth to them.
With a gross income of 20,000 crowns, they should have about 1,300 crowns more per month in their account. For a gross salary of 40,000 crowns, it should amount to 2,600 crowns per month. That’s more than 30,000 crowns a year, and it’s already worth actively asking your employer about a tax discount. The money can be used, for example, to buy new books, or to support grandchildren, for example, to a children’s camp or outdoor school.
Source: www.ČSSZ.cz, www.denikn.cz
