Many people decide to carry out a early retirements. These are the things that must be given for a discharge situation. The first thing you should do is find yourself in a status of discharge or assimilated discharge.
You must be at least 61 years old and not have any type of age bonus. In addition, only workers in some particular sectors can benefit, such as jobs in some professional sectors such as performing toxic or painful activities for health or self-esteem or even people with a disability greater than 65%.
In addition, to be able to access this option you must have a maximum contribution period in the following:
They must be at least 30 years of work computed in social security and have performed compulsory military service or some type of social benefit, failing that. In this, any type of proportional payment is not taken into account for this purpose. Nor will it be taken into account the payment of days or years of contributions prior to 1-1-1967.
Of this listing period. You must have at least 2 years within the previous 15 years at the time of claiming this pension for early retirement. If this is not fulfilled, you can access the pension process, but without the obligation to contribute anything.
In this type of case, all workers who pray within system for workers employed in the special regime, it must be necessary that during the last period of 10 years of contributions they must have a minimum of 6 years with this special system.
To this will also be added all the periods of receipt of benefits that are given for unemployment at the contributory level.
What about part-time workers?
In the case of workers who have been hired part-time, what must be done is to prove the minimum contribution of 30 years.
They must also be registered as jobseekers. This is carried out in the offices of the Spanish public employment service for a period of 6 months, just after the retirement date stated on the person's papers. This requirement should not be simultaneous with the registration of any project or activity that is taken on its own account once the retirement has been processed.
The termination of the person who wants to obtain the early retirement in the employment contract, it must be as a consequence of the termination of the employment contract. No type of event should be produced that can be attributed to the worker.
In this case, what is achieved is the expire of the job contract with the manifestation of the will to stop working of the person who appears as the owner and not, for a reason that prevents the person from continuing to work in said company.
In the latter case, what is understood is that the dismissal was given involuntarily and not in order to request the early retirement.
For people who have a business job, said people must have a maximum of 6 months and also, the cessation of said work must not be paid by the worker or at least that said causes are not enforceable in his position as employer.
Entrepreneurs must also have the early retirement contract and the monthly amount that is given each month, is not less than the amount that really would have corresponded.
In this case, early retirement can also be accessed if all the requirements set forth in sections 1, 2 and 3 in relation to termination of employment can be met, and these are:
- Once the benefit period has expired, the beneficiaries of said unemployment benefit will become retirement pensioners.
- All beneficiaries of this subsidy must be over 52 years of age.
- It will be given to workers who are over 55 years old and cannot qualify for this amount of unemployment money once their unemployment benefit has been exhausted but remain registered with the public service office.
In this case, the worker will not be required to meet requirements 3 and 4 as long as they are workers who are in the same company. It must also be expected that you have paid at least two years before the date of the retirement application and that said result is not less than the result of multiplying by 24 the sum of the following points that we are going to give you.
The total amount of the benefit that corresponds to the worker or that it would have corresponded in case of having a tax benefit for unemployment, in case you had accessed it due to any type of legal situation when the contract expired.
In the monthly amount of the fee paid by the worker through an agreement.
For this requirement, a certificate must be issued stating all the amounts that the worker has paid. They must be delivered at least during the 2 years prior to the retirement date. The contribution bases for unemployment of the 180 days before the job was terminated.
Said worker, with the application for retirement pension In order to obtain the retirement pension, the company certificate must be presented to the corresponding entity.
Some points to keep in mind in special cases
If contributions credited to the different social security regimes must be computed:
- The benefit must be recognized by putting the scheme in which the worker was registered. The moment in which it has been made public and meet all the requirements through which you have access to a pension and that are established therein.
- If this is not possible, the pension must be recognized in the social security scheme in which the worker is not registered, but for this the appropriate requirements must be met based on the scheme that said person has.
- In the event that retirement cannot be carried out by this means either, the scheme where the worker can accredit the greatest number of contributions he can must be decided.
How to calculate the anticipated pension
To calculate the pension for early retirement, the first thing we must know are the days of registration that we have had in social security. In addition to that, all the situations assimilated to registration and the contribution bases in days or months in each registration period.
The basis for regularization. The regulatory base must have an arithmetic mean of the general contribution bases that have been updated in the last 15 years. In this case, extra payments are eliminated and are also updated based on the oldest accumulated CPI.
Then you must know the number of years that it has been listed. This is something that should be reviewed every year, since the% changes depending on the years that they are listed.
More than 65 years
For people who have worked more than 65 years, there is a 2% pension for each year that it is contributed, however, as in this case, we are seeing an anticipated pension, this would not be valid in any case.
Once you have all the above information, you can enter the social security page and use the retirement pension tool. This calculation is made by a program of the same social security and it is possible to know in a few minutes what is the amount to be charged for the anticipated pension.
What is needed for this calculation
To make this calculation, it is completely essential that the person has an updated working life report and also the contribution bases of recent years.
If you are lucky enough to have an electronic signature, this will suffice. In a few minutes you can have all the data using your form.
How to get a high amount in the pension
To obtain a high amount of payments during our pension, a high amount of contribution is required and payments throughout our life only with more than 30 years, the contribution bases are already high, so this time must be taken into account with which in the anticipated pension is not counted.
Check your information every year
Keep in mind that social security changes its% constantly, so the recommendation is to see every year which is the amount that does not correspond, since this changes from year to year for the same social security.