Just as happened this year in 2024, when 2025 returns there will be a reassessment of the contributory pensionsincluding permanent disability. These benefits, essential to guarantee the well-being of those who have seen their work capacity limited or canceled, will experience an increase which, although moderate compared to previous years, meets the commitment of the Government protect purchasing power against inflation.
The key to this increase in the permanent disability pension lies in the Interannual consumer price index (CPI), which serves as a reference for updating pensions. This measure not only maintains the purchasing power of retirees, but also ensures adaptation in line with price developments. Thus, from January 1, 2025, permanent disability pensions and other contributory terms will be modulated according to this indicator. Although the final percentage depends on inflation data through November 2024, current estimates indicate an increase close to 3%, similar to this year. This adjustment will be particularly relevant for those who rely on these benefits as their main source of income.
This is how much the permanent disability pension will increase in 2025
The adjustment system based on the CPI has a clear objective: to prevent inflation from eroding the purchasing power of contributory pensions. This method ensures that benefits reflect the true cost of living, providing stability to retirees. To calculate the increase in 2025, we will take into account the interannual average of the CPI on the dates that go from December 2023 to November 2024.
Taking this into account in the current economic context, marked by moderation in inflation levels compared to previous years,s, suggests a more contained increase than that recorded in 2023 (3.8%) or 2022 (8.5%). However, this adjustment remains important, ensuring that pensions do not lose their purchasing power.
Additionally, the government has implemented a long-term strategic plan to reduce the gap between minimum pensions and the poverty line by 2027. This effort includes both permanent disability and disability pensions. other modalities, with incremental increases that seek to equalize these benefits to the basic needs of beneficiaries.
Key factors that determine the amount of permanent disability pension
Permanent disability pensions are designed to compensate for lost income for people who have suffered injuries or illnesses that limit or eliminate their ability to work. The amount of these benefits depends on several factors:
- The degree of permanent disability recognized: From partial disability to severe disability, each level involves a specific percentage of the regulatory base.
- The regulatory basis: This is calculated from the salary prior to the triggering event, adapting to the applicable percentage depending on the degree of disability.
- The annual revaluation: Based on the CPI, the pension amount is updated to maintain purchasing power.
In the case of pIn the event of common accidents, such as a common illness or a non-occupational accident, 14 annual compensations are paid, including two extraordinary ones. For their part, pensions resulting from occupational hazards, such as a work accident or an occupational illness, are divided into 12 payments, with extras calculated on a pro rata basis.
Planned increase in permanent disability pensions in 2025
According to provisional CPI data provided by the National Institute of Statistics (INE), it is expected that the Permanent disability pensions are revalued by around 3% for next year. This figure could vary slightly depending on the final inflation data for November 2024, which will be confirmed at the end of the month.
Concretely, a 3% increase would imply the following:
- For a current pension of 12,000 euros per year, the increase would be around 360 euros per year.
- In the case of minimum pensions, such as those of gin the event of a disability, the increase could exceed 600 euros per year.
It is important to emphasize that, although the increase is lower than in previous years, it remains relevant measure to protect purchasing power retirees facing moderate inflation.
Schedule of first payment re-evaluated
Even if the increase will be effective from January 1, 2025, The first adjusted payment will be reflected on payroll at the end of January. This delay is due to the fact that pensions are paid late. Generally, banks advance payment of benefits between the 23rd and 25th of each month, beneficiaries will therefore be able to see the increase on this date.
In conclusion, the increase in permanent disability pensions will occur again in 2025, although the increase will not be as significant as in previous years. However, represents a new step towards reducing economic inequalities and the guarantee of a decent standard of living for retirees. Additionally, this adjustment is part of a broader effort to minimum benefits equivalent to the poverty threshold, ensure that people who rely on these pensions can cover their basic needs without financial hardship.
