The method of calculating social security pensions suggests that the employee has the right to certain percentages of the regulatory base based on the years. In order to get this regulatory framework, the employee’s deposit base must be made, and in this sense, changes occur in just a few months.
Since 2026 Social Security Change the method of calculating the regulatory baseThe field is the first step that gradually applied, the second stage in the reform of the Pensions of Esipiva. The purpose of this measure is to take into account more years in preparing to calculate the number of pension pensions.
Everything is collected in the royal decree 2/2023 of March 16 (you can consult this link), which changes the general law on social security to revise the calculation of pension pensions. As in other areas of previous reforms (increasing the retirement age or increasing the necessary time to collect 100% of the regulatory framework), This increase becomes graduallyMoving Every year To the ultimate goal, which in this case will be in 2044.
By 2026, according to the Law on Social Support in her article 209 and its quadraigeso -transformation (you can consult with them at this link), the regulatory framework will be the most favorable for the employee between these two options:
- The amount of the grounds for contributions over the past 25 years (total 300 grounds) is divided by 350. This is the existing calculation until 2025.
- The amount of 302 of the base of contributions in a larger amount over the past 304 months is divided by 352.33.
In this calculation, as always, social security will apply coefficients to the bases of the deposit of all years, with the exception of the bases of the last two, which reflect the influence of inflation in them. In addition, this will integrate lagons (fill in fictional bases from 100% to 50% of the minimum basic periods without citation) of workers, with the exception of household workers and freelancers.
Since 2026, the period of changes will come, which will not stop until the same year of 2044, when the reform, with the exception of subsequent changes, will be completely completed. There are several milestones in this progressive calendar.
This calculates the regulatory base of the pension from 2027 to 2040
During these years, social security will choose A formula that is more useful for a pensioner: The one that is currently applied (the last 300 bases between 350) or corresponding to each year:
- In 2027, the regulatory base will become the result of adding contributions of 304 with the largest number of the last 308 bases and division by 354.67.
- In 2028, the regulatory base will become the result of adding bases 306 of contributions with the largest number of the last 312 bases and their division by 357.
- In 2029, the regulatory base will become the result of adding contributions of 308 with the largest number of the last 316 bases and division by 359.33.
- In 2030, the regulatory base will be the result of the addition of 310 deposits with the largest number of the last 320 bases and dividing by 361.67.
- In 2031, the regulatory base will become the result of adding 312 deposits with the largest number of the last 324 bases and their division by 364.
- In 2032, the regulatory base will become the result of adding contributions 314 with the largest number of the last 328 bases and dividing them into 366.33.
- In 2033, the regulatory base will become the result of adding the bases of contributions 316 with the largest number of the last 332 bases and their division by 368.67.
- In 2034, the regulatory base will become the result of adding contributions of 318 contributions with the largest number of the last 336 bases and their division by 371.
- In 2035, the regulatory base will become the result of the addition of bases 320 contributions with the largest number of the last 340 bases and their division by 373.33.
- In 2036, the regulatory base will become the result of the addition of 322 contributions with the largest number of the last 344 bases and their division by 375.67.
- From 2037 to 2040, the regulatory base will become the result of adding 324 deposits of more than 348 bases and divisions by 354.67.
This will calculate the regulatory base of the pension from 2041 to 2043
During this period, the operation is similar: it is chosen Regulatory framework that is most useful for an employeeA field or one that will be in force since 2044 (the best 324 foundations of the last 348, divided into 378) or the one that is used for each of these three years:
- In 2041, the regulatory base will become the result of adding the last 306 quotes bases and dividing them into 357.
- In 2042, the regulatory base will become the result of adding the last 312 basic bases and dividing them by 364.
- In 2043, the regulatory base will become the result of adding the last 318 basic bases and dividing them by 371.
This calculates the regulatory base of pension production since 2044
We finally reach the end of the reform. From this year, the regulatory framework of the pension pension will be calculated in accordance with the provisions of Article 209.1 of the General Legislation on Social Security, which appear that the regulatory framework in “The coefficient that comes from division by 378, the amount of interest bases of the interested party 324 months earlier up to a month before the causal fact. “
For the calculation, as the law is explained, the last 348 months will be taken into account before the causal fact is chosen and the best. “Of the 348 bases calculated in accordance with the previous letters 324 Bases of a larger amount of the largest amount will be selected ex Officio“
