How long does Social Security take to give a retirement pension: from when can you collect it

Going from a job to retirement is not done automatically: the pension application process goes through a series of procedures that depend on the worker but also on Social Security. Thus, at the moment in which the person requests the pension, the time it takes for Social Security is added as another of the variables that will determine possible interruptions in the perception of income in the transition from active working life to retirement.

Measuring time is important: if the worker lives up to date with the money from his salary and asks for his retirement pension later than he should, he could be left economically uncovered for a short time. A stretch of time that, in addition, would depend on how long it took Social Security to respond to his request.

Although, in defense of the organism, the certain thing is that the answers of the Social Security do not wait too long. According to the agency’s data, in the last months of 2021 (specifically, in October), the average resolution time was only 19.97 days. Less than three weeks from the submission of the application.

This is an average period in which there will be requests that require further verification (data consultation, requests for additional information from applicants) and others that are easy to resolve. With everything, in the worst case the response from Social Security may arrive in a period of 90 days.

If a worker requests a retirement pension and the response from Social Security arrives in that average period of time, they will hardly have an interruption in their income as long as they request the pension just when they reach ordinary retirement age (or the age they need to take advantage of to any of the forms of early retirement).

When do you generate the right to collect the retirement pension?

The when you apply for pension is also important because determines the date on which you are entitled to start collecting said pension. If the worker gets confused and forgets to request it until some time later, he could lose certain pending amounts of the pension. Everything depends on the situation from which the worker accesses retirement and the time it takes for him to request the benefit, as explained by Social Security on its website:

Workers who request a retirement pension while they are registered with Social Security and within the first three months from the cessation of work, they will be entitled to receive the pension from the day of that cessation. If the worker asks for the pension in February and, for example, is accepted in April, he would collect his pension from April but also receive the amounts generated from the day of cessation of work.

In the event that the worker requests the retirement pension while being registered with Social Security but taking more time from the cessation of work, it will have a maximum retroactivity of three months. In other words, the pending amounts generated in the previous three months would be paid, but nothing from the periods that are most delayed in time.

If the worker requests the pension from a situation of high assimilated, Social Security explains that the effects of retirement will be “from the day following the request or when the causal event occurs, depending on the assimilated situation in question.” In these cases, the citizen should consult previously with the body, which has two telephone numbers for pensions: 901 16 65 65 and 91 542 11 76.

If the worker requests the retirement pension from a situation of not registered with Social Security You will only be entitled to the amounts generated from the moment you requested it. You will not be entitled to any retroactivity.