before retirement This is one of the options that many workers decide to choose when it comes time to end their working lives. Most people want to have the maximum pension this corresponds to them and for this They need to extend the retirement age to the fullestbecause if you shorten it, you will lose this much money. Moreover, depending on your personal situation and years of contributionThe final amount will also change
At this time, you can stop working while maintaining the maximum pension. 66 years and four months. To detect this you will also need prove that you meet the mandatory requirements Establishes Social Security. If you decide to retire before the age determined by law, as long as you meet the conditions, You’ll keep your subsidy, even if it’s a smaller amount.
Another key to determining the amount you will receive is whether you will retire early or not. done willingly or unintentionally. Firstly, Maximum advance is two yearsYou can stop working at 65, the second can extend up to fourWhen you turn 62.
Ordinary retirement from 2027 He will pass at the age of 67For workers who have paid premiums for less than 38 and a half years, and for those who have paid premiums for longer than this period, up to 65 years. This date will also be the limit for pensions that will be updated according to the new reform of Minister José Luis Escrivá.
How does early retirement affect my retirement?
If you choose to retire earlier than management says, this is clear: You will stop investing money and everything will depend on when you take the step.. It is also important to state the reasons as this will be the main reason for determining the pension.
If you retire against your will and do so 4 years before the age of 66 years and 9 months, A 30% deduction will be made on each monthly payment.. On the other hand, If this is optional it will drop by 21%. Social Security creates different sections based on age and hours worked to determine the monthly payment you receive.
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People Those who have contributed less than 38 years and six months: The discount is between 21% if one retires two years before the normal age and 3.26% if one retires one month earlier.
- Between 38 years 6 months and 41 years 6 months contributions: range from 19% if withdrawn two years ago to 3.11% if withdrawn one month ago.
- Between 41 years 6 months and 44 years 6 months contributions: between 17% if they retire two years ago and 2.86% if they retire one month ago.
- When they contribute more than 44 years and six months: Between 13% if they retired two years ago and 2.81% if they retired one month ago.
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When they quote 44 years and more than six months: It varies between 24% if produced four years in advance, 18% if produced three years in advance, 12% if produced two years in advance and 4.75% if produced one year in advance.
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When they quote 38 years and less than six months: The advance varies between 30% for four years, 22.50% for three years, 15% for two years, and 5.50% for one year.
- Between 38 years 6 months and 41 years 6 months: The advance payment varies between 28% for four years, 21% for three years, 14% for two years and 5.25% for one year.
- Between 41 years 6 months and 44 years 6 months: If the advance is for four years, it is 26% of the pension, if it is three years, it is 19.50%, if it is two years, it is 13% and if it is one year, it is 5%.
The final amount of the pension is also depends on other factors such as the salary each employee receives, whether he or she is salaried or self-employed, and the contribution base he or she contributes to Social Security in the final years of his or her professional career.