The particular pension regulations in our country mean that every year there are different changes in access to retirement pensions, the most paid by the State. We must therefore prepare for the arrival of 2025, which is gradually approaching.
¿Why the retirement age is changing in 2025? We have to go back to 2011, when a pension reform which, in the midst of the financial crisis, delayed the retirement age in its various modalities, keeping the worker longer in the labor market and, consequently, extending his contributions to the system. The objective was to help the State finance the cost of paying pensions.
However, this increase in the retirement age did not happen suddenly and different timetables were established to design annual increases so that the delay is not so drastic. These timetables have been reflected in Law 27/2011 of August 1, which can be consulted at this link in the Official State Gazette.
The changes leave different retirement ages depending on the corresponding retirement modality.
Table with the ordinary retirement age in 2025
In 2025, the ordinary retirement age will be 66 years and eight months. Of course, if the worker accesses this retirement after having accumulated contributions of 38 years and three months or more, the age will be lowered to 65 years, which existed before the reform.
Table with the voluntary early retirement age in 2025
Voluntary early retirement is that which arises from the exclusive will of the worker and allows to advance up to two years with respect to the ordinary age, so by 2025 the age of voluntary early retirement will be 64 years and eight months for people under 38 years and three months of contributions and 63 years for people who reach this contribution.
Table with the age of involuntary early retirement in 2025
Involuntary early retirement, on the other hand, arises from the non-voluntary termination of the employment contract and allows for advancement of up to four years compared to the ordinary retirement age. This is why, in 2025, the retirement age will be 62 years and eight months for people with less than 38 years and three months of contributions and 61 years for those who reach this contribution.
Table with the partial retirement age in 2025
This partial retirement allows people to combine work and a retirement pension (whether or not linked to a support contract) and has another progressive timetable for postponing the retirement age, which brings it to 64 years and four months in 2025 for people with 33 years of contributions at the time of retirement and 62 years and eight months for workers with 36 years and three months of contributions.
