Number of early retirements decreased by 7.63% on an annual basis between January and July, After the pension reform comes into effect in 2022, it encourages voluntary early retirement to be delayed for several months and ensures that pension registration is monthly instead of quarterly.
In this context, 57% of voluntary early retirements until July delayed in the quarter, To increase the pension amount according to the previous regulations, according to the Social Security data included in the 2023 budgets.
Between January and July, the total 67,581 new early registrations in the pension system, It is 7.63% less than the same period of the previous year, and 35,683 (3.32% less) of this corresponds to voluntary early retirements with a discount coefficient applied.
early retirement can be requested voluntarily up to two years before reaching legal retirement agehowever, pension reform penalizes those who reach 24 and 23 months before the legal age with larger discount coefficients, while from 22 months the discount is less so it is appropriate to postpone pension plans for two months.
They also get worse coefficients in the three months before reaching the legal retirement age, but less so.
The amount of early retirement benefits traditionally higher than expectedA gap that has widened over the last decade due to the decline in the average amount of unanticipated loans between 2013 and 2018, where the difference has grown from around 200 to about 400 euros per month (1,700 euros versus 1,300 euros).
In this way, unexpected new hires aligned downwards with the average of all available pensions.
Delayed retirement is growing
The delayed retirement method that provides financial incentives for each year of delay, increased by 5% between January and July a total of 10,187 registrations compared to the same period of the previous year.
Of those postponed in 2022, 41.8% are self-employed and 58.2% are employed by others.Although the proportion of self-employed people who defer, depending on their group, is more than double that of employed workers, it represents an increase in the weight of delayed retirement in the general regime.
The weighted average delay for all discharges is 2.6 years.the greater the number of years of contribution, the shorter the delay, thus reducing the average to 3.16 years for contributors of up to 25 years and 2.22 years for careers with more than 37 years of contributions.
From the total delayed retirement caused under the 2021 retirement law, 86.6% chose to increase the percentage of their pension 4% for each overdue year and 13.4% for lump sum payments.
Those who chose the single check received an average of 6,841 euros for a delayed year, €13,957 for two years and €21,897 for three years, What are the most common conditions?
However, in exceptional cases where retirement is compulsory (mostly self-employed), amounts of more than 130,000 Euros have been paid. Delayed between 16 and 29 years.