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When the retirement date of any worker is approaching, one of the main doubts that may arise is whether it is possible to retire early. The problem of making a early retirement is that he will not be able to collect the full pension, but rather A series of coefficients will be applied that acts as a penalty on the regulatory basis that would be charged according to the number of months that have been advanced.
This type of reductions are applied to involuntary retirements, since although it occurs mainly in those people who have been laid off close to their retirement ageIn the end, it is the citizen who makes the decision to retire. And in some cases we can see very significant reduction coefficients.
An ideal table to know how much you will receive for early retirement
To be able to access early retirement it is necessary to have 33 years of contributions, and as long as two years are within 15 years prior to requesting retirement. Retirement must also derive from a dismissal through an ERE, having been an objective dismissal, due to the death of the employer, extinction of the company, having broken the contract due to force majeure or a termination at will of the work for just causes such as non-payment. of the salary.
Something to also keep in mind is that in the year 2025 The ordinary retirement age is established at 66 years and 8 months. However, when you have contributed for 38 years and 3 months, you can retire at 65 years of age. In this way, early retirement will be available for people aged 61 if they have at least 38 years and three months of contributions.
In this way, depending on the months that the retirement is going to be brought forward and the number of years that one has contributed, there will be different coefficients. This is something that can be seen in the following table:
Months ahead of retirement |
Less than 38 years and 6 months |
Less than 41 years and 6 months |
Less than 44 years and 6 months |
44 years and 6 months or more |
---|---|---|---|---|
4 years – 48 months |
30% |
28% |
26% |
24% |
47 |
29.4% |
27.4% |
25.5% |
23.5% |
46 |
28.8% |
26.8% |
24.9% |
23% |
45 |
28.1% |
26.3% |
24.4% |
22.5% |
44 |
27.5% |
25.7% |
23.8% |
22% |
43 |
26.9% |
25.1% |
23.3% |
21.5% |
42 |
26.25% |
24.5% |
22.8% |
21% |
41 |
25.6% |
23.9% |
22.2% |
20.5% |
40 |
25% |
23.3% |
21.7% |
20% |
39 |
24.4% |
22.8% |
21.1% |
19.5% |
38 |
23.8% |
22.2% |
21.1% |
19.5% |
37 |
23.1% |
21.6% |
20% |
18.5% |
3 years – 36 |
22.5% |
21% |
19.5% |
18% |
35 |
21.9% |
20.4% |
19% |
17.5% |
34 |
21.3% |
19.8% |
18.4% |
17% |
33 |
20.6% |
19.3% |
17.9% |
16.5% |
32 |
20% |
18.7% |
17.3% |
16% |
31 |
19.4% |
18.1% |
16.8% |
15.5% |
30 |
18.8% |
17.5% |
16.3% |
15% |
29 |
18.1% |
16.9% |
15.7% |
14.4% |
28 |
17.5% |
16.3% |
15.2% |
14% |
27 |
16.9% |
15.8% |
14.6% |
13.5% |
26 |
16.3% |
15.2% |
14.1% |
13% |
25 |
15.6% |
14.6% |
13.5% |
12.5% |
24 |
15% |
14% |
13% |
12% |
23 |
14.4% |
13.4% |
12.5% |
11.5% |
22 |
13.8% |
12.8% |
11.9% |
11% |
21 |
12.6% |
12% |
11.4% |
10% |
20 |
11% |
10.5% |
10% |
9.2% |
19 |
9.78% |
9.33% |
8.89% |
8.4% |
18 |
8.8% |
8.4% |
8% |
7.6% |
17 |
8% |
7.64% |
7.27% |
6.91% |
16 |
7.33% |
7% |
6.67% |
6.33% |
15 |
6.77% |
6.46% |
6.15% |
5.85% |
14 |
6.29% |
6% |
5.71% |
5.43% |
13 |
5.87% |
5.6% |
5.33% |
5.07% |
1 year – 12 months |
5.5% |
5.25% |
5% |
4.75% |
11 |
5.18% |
4.94% |
4.71% |
4.47% |
10 |
4.89% |
4.67% |
4.44% |
4.22% |
9 |
4.63% |
4.42% |
4.21% |
4% |
8 |
4.4% |
4.2% |
4% |
3.8% |
7 |
4.19% |
4% |
3.81% |
3.62% |
6 |
3.75% |
3.5% |
3.25% |
3% |
5 |
3.13% |
2.92% |
2.71% |
2.5% |
4 |
2.5% |
2.33% |
2.17% |
2% |
3 |
1.88% |
1.75% |
1.63% |
1.5% |
2 |
1.25% |
1.17% |
1.08% |
1% |
1 |
0.63% |
0.58% |
0.54% |
0.50% |
These percentages are important to apply on the regulatory basis obtained from the last 300 payrolls that you have collected. As you can see, we are going to have a reduction that ranges from 30% to 0.5% in the event that retirement is accessed a month before.
Images | Towfiqu barbhuiya
Via | Newswork
In Genbeta | This table tells you the maximum pension you will receive based on your salary and years of contributions.
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