NEWS
AUTONOMOUS RETIREMENT
Vélez-Málaga - 04 en 2019
Pension. If you are close to retirement age and have always quoted for the minimum base, the pension that you will have is low.
If you are going to reach the legal age of retirement (65 years if you have contributed 36 years and six months / 65 years and six months if you have not paid for this period), if you have always paid in the self-employed regime for the minimum base, the pension What will remain will be very low.
Since retirement is voluntary, one way to increase your pension is to prolong your work in the company for a year. The advantages you would get would be these:
- Pension increase. If you continue to work without accessing retirement, you will benefit from an increase in your future pension: - You will be recognized an additional percentage of your regulatory base for each full year quoted between the date you reach the legal retirement age and the date in which he retires. This percentage increase is based on the years quoted. Up to 25 years of contribution 2%; between 25 and 37 years, 2.75%; for more than 37 years quoted 4%.
P.e .: If you have been quoted for more than 40 years in the self-employed regime, you can access retirement from the moment you turn 65. If you have always quoted for a base of € 1.000,00 and you retire now you will be charged a monthly pension of € 995,95; but if it prolongs its working life two years more the percentage of increase will be of 8%, so that the final pension will be in € 1.103,38.
- Savings on contribution. If you continue to work once you reach retirement age, you will also be entitled to an incentive in your Social Security contributions. You only have to pay for temporary disability (whose contribution rate is 3.30%, or 2.80% if you are covered by professional contingency or termination of activity) and for professional contingencies (whose type depends on the activity that exercises).
If you access retirement at a higher than usual age, you will be entitled to an additional percentage of your regulatory base for each year that you quote more.