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Paying too much ZUS (social/health insurance)
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simon_porter00



Joined: 09 Nov 2005
Posts: 505
Location: Warsaw, Poland

PostPosted: Sun Oct 28, 2012 11:08 am    Post subject: Reply with quote

hrvatski wrote:
Simon - do you plan on going for Polish citizenship at any stage? Do 3 years married get you there?


Nope and don't know. I've been meaning to get one of these 10 year residency cards, but never have found a good moment to pop along to długa 5 (is there ever a good moment?)
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sparks



Joined: 20 Feb 2008
Posts: 632

PostPosted: Sun Oct 28, 2012 3:02 pm    Post subject: Reply with quote

I could be wrong but I vaguely recall reading somewhere once that you can't really get citizenship in Poland unless you do something drastic like give up your own citizenship, are a refugee of some sort, or play really good soccer for Legia. I believe that they consider permanent residency good enough for foreigners, making the Polish passport almost impossible to get.
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scottie1113



Joined: 25 Oct 2004
Posts: 375
Location: Gdansk

PostPosted: Sun Oct 28, 2012 3:55 pm    Post subject: Reply with quote

The only benefit to me, an American, of getting Polish citizenship would be a Polish passport. That would enable me to more easily find legal work in countries like France, Spain or Italy. But since I have no intention of leaving Poland, it's a moot point.
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hrvatski



Joined: 16 Nov 2008
Posts: 270

PostPosted: Mon Oct 29, 2012 9:29 am    Post subject: Reply with quote

I looked into citizenship it in 2009 and from what I remember reading, it was theoretically something like 3 years from marriage and you're entitled. Dual citizenship not a problem provided your own country is cool with it. I realise what happens in practice might be wildly different. I also recall some theoretical benefits at the time but have long since forgotten!

Is there any disadvantage to getting Polish citizenship, apart from bureaucratic hassles? What if Poland went into lockdown one day and only Poles could stay / leave? Stranger things have happened in Poland!
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Master Shake



Joined: 03 Nov 2006
Posts: 1202
Location: Colorado, USA

PostPosted: Tue Oct 30, 2012 9:17 pm    Post subject: Reply with quote

simon_porter00 wrote:
I've been meaning to get one of these 10 year residency cards, but never have found a good moment to pop along to długa 5 (is there ever a good moment?)

I'm sure you'll eventually have one of those 'waiting in a long line in a weird smelling building with bunch of Ugandan refugees' mood one of these days.

But I'd rather sit through four masses IN POLISH than go there again...
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delphian-domine



Joined: 11 Mar 2011
Posts: 674

PostPosted: Thu Nov 01, 2012 12:02 pm    Post subject: Reply with quote

sparks wrote:
I could be wrong but I vaguely recall reading somewhere once that you can't really get citizenship in Poland unless you do something drastic like give up your own citizenship, are a refugee of some sort, or play really good soccer for Legia. I believe that they consider permanent residency good enough for foreigners, making the Polish passport almost impossible to get.


Nothing so complicated - you just need to get the permanent residency card, then from there, you can apply for citizenship after a certain amount of time.

The biggest stumbling block these days is that obtaining Polish citizenship through this method requires you to pass the State Examination in Polish - which is offered at B1 at the lowest.

As for disadvantages - one of the biggest disadvantages is that you can't play the "I'm a foreigner" card to get out of trouble...
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delphian-domine



Joined: 11 Mar 2011
Posts: 674

PostPosted: Thu Nov 01, 2012 12:19 pm    Post subject: Reply with quote

dynow wrote:
delphian-domine wrote:
dynow wrote:
delphian-domine wrote:


Here's a hint - I can think of at least three ways that he could avoid paying the 1000zl entirely legally.


and he's still waiting for at least one of them from you.


Some of us have things called "real life" to get on with.


You have demonstrated plenty of spare time to post on this forum, as well as saying that you can already "think of at least three ways," so why not take an extra 15 seconds and provide Shake with just ONE? It is the whole point of the thread, is it not? Why would you intentionally withhold that information if it's precisely what Shake is looking for? Rolling Eyes

What a joker. You got caught bull$hitting, plain and simple.


The thing is that none of these ways help him due to the need for a Karta Pobytu. If he gets permanent residency, then they can work for him.
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Master Shake



Joined: 03 Nov 2006
Posts: 1202
Location: Colorado, USA

PostPosted: Thu Nov 01, 2012 5:59 pm    Post subject: Reply with quote

If all these 'tax optimization' methods are 100% legal, Delph, then why would Polish immigration have any problem with them?

As long as I'm able to prove to immigration that I am paying tax and have health insurance, my situation shouldn't be any different from an EU national.
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the_roads_of_poland



Joined: 22 Oct 2012
Posts: 24

PostPosted: Thu Nov 01, 2012 7:59 pm    Post subject: Reply with quote

hrvatski wrote:

Is there any disadvantage to getting Polish citizenship, apart from bureaucratic hassles? What if Poland went into lockdown one day and only Poles could stay / leave? Stranger things have happened in Poland!


Whatever disadvantages you could come up would be considerably outweighed by the advantages, esp. being a EU citizen.

Master Shake wrote:
So the honeymoon is over.

1) I know some people who've closed their Polish company and opened a company in the UK to avoid paying this hefty sum. Perhaps this is do-able in other countries as well (e.g the USA by filing a DBA)?

2) I've also heard rhumors that you can re-open the Polish company again (under a new name, of course) and start fresh with two years of lower ZUS.

Any other ideas or explaination appreciated. Aside from the two long-shots above, people are basically telling me to just suck it up and pay. But it's worth a shot.


1. Technically yes. However, if you were to hire a firm to do the legwork and paperwork for you, I found I'd only save about 100-200zl a month. And the US and ZUS are well aware of this loophole will come at you if you ever fall within their sights. Not worth it IMHO.

2. Many people do this. However, there are quite a lot of personal technicalities that need to be taken into consdieration. Such as... then employing yourself and how. When I did the math a few years ago I found, again, that I'd save maybe 100-200zl. Again it wasn't worth it for me.

And now here at the end: I frequently use a great way of avoiding ZUS payments in an entirely legal and easy way, but out of spite for getting banned from the forums I'm gonna keep my mouth shut.
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delphian-domine



Joined: 11 Mar 2011
Posts: 674

PostPosted: Fri Nov 02, 2012 5:46 pm    Post subject: Reply with quote

Master Shake wrote:
If all these 'tax optimization' methods are 100% legal, Delph, then why would Polish immigration have any problem with them?

As long as I'm able to prove to immigration that I am paying tax and have health insurance, my situation shouldn't be any different from an EU national.


The problem is that they are almost certainly going to be funny about someone who earns their income through share dividends alone. You won't have a purpose to being here, so it's an instant red flag - the relevant law surrounding the granting (or not) of residence permit doesn't envisage such an scenario. Normally - the only grounds for granting such a permit is that you are a student, working, with family or for medical grounds.

Quote:
And now here at the end: I frequently use a great way of avoiding ZUS payments in an entirely legal and easy way, but out of spite for getting banned from the forums I'm gonna keep my mouth shut.


Nothing is "entirely legal" when it comes to ZUS. They have the power to determine as to whether it is or not - and they have the power to chase you for backpayments.

There are ways, of course - such as paying social insurance contributions in another EU country. But that relies on the other country not catching up with you...
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the_roads_of_poland



Joined: 22 Oct 2012
Posts: 24

PostPosted: Fri Nov 02, 2012 10:05 pm    Post subject: Reply with quote

delphian-domine wrote:

Nothing is "entirely legal" when it comes to ZUS. They have the power to determine as to whether it is or not - and they have the power to chase you for backpayments.

There are ways, of course - such as paying social insurance contributions in another EU country. But that relies on the other country not catching up with you...


My way is 100% entirely legal, acceptable and I would even say common knowledge. Nothing fancy. But it does has one major drawback.
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Master Shake



Joined: 03 Nov 2006
Posts: 1202
Location: Colorado, USA

PostPosted: Sun Nov 04, 2012 5:21 pm    Post subject: Reply with quote

the_roads_of_poland wrote:
My way is 100% entirely legal, acceptable and I would even say common knowledge. Nothing fancy. But it does has one major drawback.
So out with it then. I don't think ZUS is planning a raid on Dave's anytime soon. We're all talking hypothetically here anyway.
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