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Dr hab. Monika Domańska
ORCID: 0000-0002-3790-2548

Adiunkt na Wydziale Administracji i Nauk Społecznych Politechniki Warszawskiej, wcześniej na WPiA UW; były Członek Biura Studiów i Analiz Sądu Najwyższego; współautor „Białej Księgi przeglądu emerytalnego 2016: bezpieczeństwo dzięki różnorodności”; były członek Komitetu ds. Interpretacji, Stanowisk i Wyjaśnień Zakładu Ubezpieczeń Społecznych.

Assistant Professor at the Faculty of Administration and Social Sciences at the Warsaw University of Technology. Former Assistant Professor at the Faculty of Law and Administration at the University of Warsaw; former Member of the Supreme Court's Office of Studies and Analysis; co-author of the 2016 Pension Review White Paper: Safety through Diversity; former member of the Committee on Interpretation, Positions and Explanations of the Social Insurance Institution.

 
DOI: 10.33226/0032-6186.2025.2.5
JEL: J81

The study addresses the issue of the existence of a recalculation of women's pension upon reaching the age of 65. This paper characterises in detail the mechanism of recalculation and its impact on the benefit. The factors influencing the enormous scale of the benefit of recalculation in many situations are described in detail. It also identifies an exceptional situation where the recalculation will disadvantage the beneficiary and could lead to the disregard of pension contributions made by the beneficiary to the scheme after retirement. The latter situation was identified as constitutionally impermissible. This section concludes that the mechanism contradicts the fundamental values on which the system is based, being the most significant incentive to retire quickly. In the conclusions, demands are made to reduce the randomness inherent in the current pension formula. The next article will consider the rationale for the application of the described mechanism, which will lead to an allegation of discrimination against some insured persons by omitting them from the recalculation of the pension.

Keywords: pension calculation; women's pension; subaccount; pension insurance