Workers belonging to any regime of the work system Social security can opt for the early retirement if they meet certain requirements. First of all, they must be less than two years old in relation to the ordinary retirementnot to mention the bonuses to be achieved dangerous or unhealthy work. In addition, you must be registered or in a similar situation and have a minimum of 35 years of effective contributionsat least two of which must date less than 15 years before the request.
For the agricultural workersit is essential that at least 6 of the last 10 years of contributions correspond to periods of activity effective in your diet. In the case of those who work part-time, specific rules apply for calculating contribution years. There are limits to final amount of pensionwhich cannot exceed a 0.50% off for each planned quarter
Reduction coefficients for early retirement
Early retirement allows workers to access their pension before reaching retirement age. legal retirement agewho in 2024 is 65 years old. This possibility, however, entails an economic penalty which varies depending on the duration of early retirement and the years of contributions accumulated. It is particularly interesting to know how this penalty is applied depending on the years of contribution.
Under 38 years old and 6 months of contributions
For workers who have contributed for less than 38 years and 6 months, the penalty for early retirement is considerably high. For example, if a worker decides to retire 24 months early, he will have a 21% reduction in your pension. The penalty remains high in all cases, decreasing only slightly by reducing the months of advance, but it still remains above 14% if retirement is advanced by 22 months.
Between 38 years and 6 months and 41 years and 6 months of contributions
The group which contributed between 38 years and 6 months and 41 years and 6 months presents a reduction in the penalty. For example, early retirement of 24 months results in a 19% off. As the lead time decreases, the percentages also decrease, reaching 10.50% if retirement is brought forward by 20 months. This implies that workers with longer contributions benefit from a less severe penalty, which may encourage them to retire early if they wish.
Between 41 years and 6 months and 44 years and 6 months of contributions
This group has an even lower penalty. For example, if a worker in this range decides to retire 24 months early, they will face a 17% reduction on your pension. As in the previous groups, the penalty decreases as the delivery time decreases. For example, if you retire 12 months early, the penalty drops to 5%.
44 years and 6 months or more of contributions
Finally, workers who have contributed for 44 years and 6 months or more are those who are least penalized when they opt for early retirement. For example, if they decide to retire 24 months early, they will only see one 13% off. As the months of advance decrease, the penalty decreases in the same way, reaching 2.81% if you opt for early retirement of one month.
Retire at age 52 receiving 100% of the pension
Social Security allows certain workers to request early retirement from 52 years oldprovided that they meet specific requirements related to their profession.
To access this pension, the worker must be registered with Social Security and have contributed a minimum of 15 years. Recently, an agreement was signed that favors professions considered dangerous, allowing these workers to retire early 52 years old and recover the 100% of his pension.
Occupations that can benefit from this scheme include mining workers, who can retire at 52 years old if they meet certain requirements. Reductions in the retirement age for these workers are based on a coefficient which varies between 0.05 and 0.50depending on years worked.
Another privileged group is pilots and cabin crew, who benefit from a reduction in retirement age depending on their professional activity. Likewise, the the railway workers And artists They have similar options, being able to access early retirement under specific conditions.
THE bullfighting professionals They can also take early retirement 55 years oldprovided that a minimum number of celebrations have been accredited. In the case of firefightersthey are allowed to retire 60 years oldeven if, if they contributed at least 35 years oldthey can advance this age until 59 years old.
THE Ertzaintza and the local police have coefficients which allow them to retire before the ordinary age, while sea workers They have coefficients between 0.10 and 0.40also allowing them to retire up to ten years earlier than usual.
