Application for deferral of contributions directly to Social Security
The Social Insurance Institution fortunately provides for the possibility of postponing the obligation to pay contributions for social security, health insurance, the Labor Fund, the Guaranteed Employee Benefits Fund or the Bridging Pension Fund. For this purpose, it will be necessary to submit an appropriate application. However, to take advantage of this opportunity, several conditions must be met.
First: the deadline
The application to Social Security must be submitted no later than the due date. However, this is a risky move, as there is no guarantee that we will get a deferral. If the Social Security Administration’s answer is negative, you will have to pay the premiums plus interest due to the delay.
Second: submission of the application
We download the template of the application for deferral of premium payments from the ZUS website . We will need a range of data to fill it out properly:
- NIP, REGON or PESEL number (the latter for individuals);
- address and contact information;
- the desired deferral date and the calculated amount of contributions you want to defer;
- the form of taxation that the company used in the current year and the three previous years.
In addition, a detailed justification will be necessary – this is the most important element of the application, which will determine the decision of the Social Security representative.
Attention!
The RSO’s application should be processed as soon as possible, but the acceptable deadline is no later than 2 months from the date of application.
What do you gain from deferring Social Security payments?
In addition to the obvious possibility of paying Social Security premiums at a later date – the date specified in the agreement with the Social Security Administration – obtaining a positive assessment of the RSO application results in no interest payments. However, there is a catch – a businessman taking advantage of the deferral will have to pay a grace fee. Its amount is 50% of the rate of interest on late payment – the rate in effect on the date of signing the contract counts.
Possible complications
The above scenario was the most optimistic one. However, one must also prepare for a less auspicious course of events. Resubmit the RSO application in a situation where:
- request for deferral was rejected – in such a situation, we can try again, but before challenging the decision of the Social Security Administration, it is necessary to prepare an appropriate argumentation;
- the proposed terms are not satisfactory – deferred contributions for a quarter, while the company requested deferred payments for six months? Appeal the decision – it costs nothing, so it is worth trying;
- you do not keep the terms of the contract – Even from the worst matrix there is a way out – if the situation of your company has deteriorated, so that you are not able to implement the provisions of the agreement with Social Security (you do not pay, so that the agreement is de facto broken), you can apply again to keep its provisions in force (and negotiate a change in the terms).
Second way to defer Social Security payments
In addition to the traditional application for deferral of Social Security contributions directly to the Social Security Administration, there is a second method that may be a bit easier to use. Entrepreneurs who are looking for alternative solutions and want to avoid the complicated procedures involved in filing with the Social Security Administration should consider the tax financing offer from PragmaGO. Under this offer, entrepreneurs have the option of deferring Social Security payments in a flexible and customized manner.
How does tax and Social Security financing work in PragmaGO?
Online application: an entrepreneur can apply for Social Security deferment online by filling out the form https://online.pragmago.pl/finansowanie-podatkow/krok1, and sign the agreement with an SMS code. This is a convenient solution that saves time and eliminates the need to physically visit a Social Security office.
Individualized approach: the entrepreneur can choose in how many installments he wants to repay the obligation. Available options are 3, 6, 9 or 12 monthly installments.
Advantages of the offer
- Flexibility and adaptation to the needs of the entrepreneur.
- Convenient online application.
- No need for complicated procedures at Social Security.
- Quick decision and the ability to defer Social Security payments in a short period of time.
- Advisory support and expert assistance in the deferral process.
Summary
The final choice between a traditional Social Security application and PragmaGO’s Social Security deferral offer should depend on the individual needs and preferences of the entrepreneur. However, it is worth considering that alternative solutions may prove to be more effective and adapted to modern business needs.
