Those who retire at the beginning will be fined with 21% less pension

Planning Retirement is one of the main concerns of Spanish workers Now they have a permit at the beginning. At the moment, If at least 38 years and 3 months quoted the normal retirement age 65 yearsBut if the period is not reached, we have to wait for up to 66 years and 8 months.

Everyone does not want to wait until that age. The Social security Allows some workers with long cooperative races They can advance their retirement age with pre -retirement. This method allows the normal age to be retired for up to two years.

But using this option will have consequences and Reduction in the amount of pensionIt may be more or less depending on the years quoted Forward in the months after retirement.

In addition, the result pension, the pensioner received is great The minimum pension amount that is in line with the beneficiary Depending on their family situation at 65.

There is a question Why do people with long cooperation accessThat is, the more contributed to the system?

But by enjoying social security, pension before, therefore, for a long time, it has to do Cut off the public pension system without harming.

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The latest versions are applied The Pedro Sanchez government has definitely sought: discouraging and delaying early retirementsReaching as much as possible in the actual retirement age.

But the fact of voluntary initial retirement causes an app that reduces the coefficients Depending on the years quoted and the retirement months they can reduce the pension between 2.81% and 21%.

This is “Penalty” is applied after the pension regulatory base is calculatedAnd controlled by the new monthly coefficient system introduced The pension version of 2022 is in effect in 2025.