1.0LeasingTeamhttps://leasingteam.pl/enk.wilgahttps://leasingteam.pl/en/blog/author/k-wilgarich600338<blockquote class="wp-embedded-content" data-secret="BIi20ptwup"><a href="https://leasingteam.pl/en/blog/employee-capital-plans">Employee Capital Plans</a></blockquote><iframe sandbox="allow-scripts" security="restricted" src="https://leasingteam.pl/en/blog/employee-capital-plans/embed#?secret=BIi20ptwup" width="600" height="338" title="“Employee Capital Plans” — LeasingTeam" data-secret="BIi20ptwup" frameborder="0" marginwidth="0" marginheight="0" scrolling="no" class="wp-embedded-content"></iframe><script type="text/javascript"> /* <![CDATA[ */ /*! This file is auto-generated */ !function(d,l){"use strict";l.querySelector&&d.addEventListener&&"undefined"!=typeof URL&&(d.wp=d.wp||{},d.wp.receiveEmbedMessage||(d.wp.receiveEmbedMessage=function(e){var t=e.data;if((t||t.secret||t.message||t.value)&&!/[^a-zA-Z0-9]/.test(t.secret)){for(var s,r,n,a=l.querySelectorAll('iframe[data-secret="'+t.secret+'"]'),o=l.querySelectorAll('blockquote[data-secret="'+t.secret+'"]'),c=new RegExp("^https?:$","i"),i=0;i<o.length;i++)o[i].style.display="none";for(i=0;i<a.length;i++)s=a[i],e.source===s.contentWindow&&(s.removeAttribute("style"),"height"===t.message?(1e3<(r=parseInt(t.value,10))?r=1e3:~~r<200&&(r=200),s.height=r):"link"===t.message&&(r=new URL(s.getAttribute("src")),n=new URL(t.value),c.test(n.protocol))&&n.host===r.host&&l.activeElement===s&&(d.top.location.href=t.value))}},d.addEventListener("message",d.wp.receiveEmbedMessage,!1),l.addEventListener("DOMContentLoaded",function(){for(var e,t,s=l.querySelectorAll("iframe.wp-embedded-content"),r=0;r<s.length;r++)(t=(e=s[r]).getAttribute("data-secret"))||(t=Math.random().toString(36).substring(2,12),e.src+="#?secret="+t,e.setAttribute("data-secret",t)),e.contentWindow.postMessage({message:"ready",secret:t},"*")},!1)))}(window,document); /* ]]> */ </script> https://leasingteam.pl/content/uploads/2026/07/Employee-Capital-Plans.png988546Employee Capital Plans (ECPs) are a savings program that aims to support the financial security of employees after the end of their professional careers. Thanks to the cooperation of the employee, the employer and the state, the ECP allows for the systematic accumulation of funds, which are an additional form of retirement savings after reaching the age of 60. What are the benefits of participating in the ECP, and what are the challenges faced by employers and employees?