In recent months The viability of the pension system From our country, this was the subject of several meetings. Drownings and defenders took up their position at a time when the government made an obvious Your intention to reward the deferred pensions And it is too early to punish those who decide to leave the labor market in order to guarantee their correct work in the coming years.
In fact, since 2013 A Gradual increase in the age of access to a pension To protect the gain of benefits at a time when life expectancy becomes more and higher, and, therefore, it is understood that those who can get to it, CThey will work as a pension for a longer time.
In 2025, the usual retirement age is created For 65 years for those who have quoted 38 years and 3 months or more For social security for both 66 years and 8 months for those who have made it less, a figure that will increase to 67 over two years. And although from the leader They intend to encourage retirement delay, The truth is that not all employees are ready to postpone their departure from the labor market, although this means that it is charged later.
Taking this into account, it is convenient to know that social security establishes Some reducing coefficients for those who decided to retire early.
Reduction of coefficients to 21%
Current rules allow employees who wantDelaint up to two years of departure from the labor market, Well, because they have already reached 40 years, or because they want to access the voluntary regime of early retirement. However, this can significantly reduce the amount of your pension.
Although these years are taken into account for calculating benefits, the agency is also recorded For the number of months that retires and sets a table of reducing the coefficients that, as its name indicates, They can reduce the final amount of pensions between 2.81% to 21%:
From this picture it has been extracted that an employee who decides to leave in advance at the age of 63 years (24 months before the fact that he will correspond) You will see that your pension is reduced by 21% As a fine, since the government rewards those who decide to leave the labor market later. However, if you are more than 44 years and 6 months old, work The decline will be 13%.
However, if you decide to advance your pension for only one year, up to 64, The decrease will be only 5.55%, Significantly lower percentage, which is always used after a calculated regulatory base.
Because?
The purpose of this measure is Motivate employees choose retirement delay And it is not expected, since an increase in life expectancy means that an employee can enjoy a pension for a longer time. If you decide to leave earlier, you will charge your position for a longer period, significantly jeopardized the stability of the systemTherefore, the amount should be reduced.
