A basement applies to a retirement pension even if you have quoted for over 38 years

Plan Retirement Preferred Most Workers in SpainEspecially for constant changes in the law. Today is the key to knowing what to access full pension. In this sense, the Social security He recently made it clear that he could access retirement with all recognized rights.

Retired pensioner in advance
And that’s the last Reforms in the pension system They aroused doubts among citizens. Growing aging population and noticeable descent at birth, system balance It is very difficult to manage. In spite of everything, there are workers who can collect 100% of your pensionIf they meet certain needs.
Who can access the retirement?
As confirmed Social securityWere, and,, and,, and,, and,.. Those born between 1960 and 1970 They can retire from charging their pension amount if they meet the standards established in terms of age and quoted years.
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Retirement Age per year according to quotation
- In 2025, it is possible to retire at 65 At least if they are quoted 38 years and 3 months. If that period is not reached, it is necessary to wait until 66 years and 8 months.
- In 2026Retirement is also maintained 65 years Con 38 years and 3 months Quoted, but those who do not reach that limit 66 years and 10 months.
- From 2027Demand increases: can retire this 65 years If they are quoted 38 years and 6 monthsHave to wait until those who have been less quoted 67 years old.
However, public entity has been announced Up to 21% of the retirement pension is applied For some workers, even if they quoted Over 38 years. This measure affects those who choose voluntary pre -retirement, that is, those who decide to withdraw before the established legal age.

Retired Pensioner
What is the reduction of coefficients by early retirement?
The Early retirement Allows the volunteer to withdraw workers two years before the normal age, that is, 63 years oldIf they meet some cooperative needs.
The Social security Apply reducing the coefficients to the pension of retirement in advance. These modules will reduce the amount of pension depending on the years of quoted and the retirement forward. For example, if a worker is less than 38 years and 6 months Quoted retirement 24 months before In the normal era, your pension is reduced by A 21%.

Government President, Pedro Sanchez, First Vice President, Maria Jesses Montero and Presidency Minister Felix Balanos
For those who quoted between 38 years and 6 months and 41 years and 6 monthsFrom the reduction 19%; Between 41 years and 6 months and 44 years and 6 monthsOf 17%; And for those who are more than Quoted for 44 years and 6 monthsFrom the reduction 13%. It should be noted that, yes, especially occupations that are considered painful, dangerous or sick Early retirement There is no fine by the app for specific reduced multiplies.
The main reason for applying these discounts Guarantee the stability of the public pension system. When they retire in advance, workers receive a long period of pension, which indicates a The cost of the system. Therefore, these discounts are applied to balance public accounts.