If you retire at 65, you will not upload your pension even if you have quoted for more than 38 years

Retirement has become one of the major concerns for most workers in SpainEspecially with constant changes in laws. Therefore, it is important to know what is needed to collect a full pension. In this line, the Social security It has made it clear what age you can retire with all rights.

The versions in the pension system have created uncertainty because they seek Guarantee your stability In the future. With age and birthday population, It is very complicated to manage the system balance. However, there are a group of workers that can be accessed 100% Your pensionIt can meet certain needs established by law.

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.

How can you increase the retirement pension?

According to current social security regulations in SpainWorkers who retired and quoted at normal age Over 38 years and over 3 months They cannot see beyond their pension 100% Control base. That is, the quote exceeding that period does not increase the amount of pension If you access the retirement in the normal age.

To obtain more than 100% of the regulatory base, Delaying retirement beyond the normal era is required. In these cases, lProvides social security incentives, an additional increase per year is up to 4% Served after the normal age, which is a special payment according to the regulatory base and the years of quoted or two options.

It is important to distinguish between 100% regulatory base and maximum pension. 100% is the total control base calculated according to the bases The price of workersWhile the maximum pension This is a legal limit established It cannot be overcome regardless of the control base. In 2025Maximum pension in Spain 3.267,60 euros Monthly, distributed 14 paid Annual.

Therefore, for workers who want to raise their pension Beyond 100% Of the regulatory base, the choice of delaying retirement Beyond the normal era And accept the incentives established Social security.