The usual thing when we talk about pensions is to think about retiring with a pension when the moment of our professional retirement comes, but there are some cases in which workers, if they meet the necessary requirements, can collect two different retirement pensions at the same time.
This is a circumstance allowed and recognized by law. If the worker complies with the Requirements to generate a retirement pension in two different Social Security regimes, you can collect the two pensions, one for each scheme. That is, if a person who has worked as a self-employed person and as an employee in recent years and meets the conditions for pensions required by the General Scheme and the Special Scheme for Self-Employed Workers (Reta), they will receive both benefits.
Thus, in the first place, these workers will have to reach the ordinary retirement age, which in 2021 is 65 years for workers who have at least 37 years and three months of contributions and 66 years for the rest. In this regard, they count all the years of contributions, regardless of the scheme.
Afterwards, everything will depend on the situation in which they request the retirement pension. If they do it while registered with Social SecurityIt will be enough for them to comply with the general and specific contribution periods both in one scheme and in another. That is, to have contributed at least 15 years in each of them and that two of those years took place in the last 15 years.
If, on the contrary, the worker asks for the pension without being discharged (or assimilated situation) to Social Security, you will have to have contributed in a superimposed way, in the two regimes at the same time, for a period of at least 15 years to be able to generate the right to the two pensions, according to the agency explains on its website.
What will be the amount of the pensions
Having two pensions, it will be frankly complicated to generate the right to 100% of the pension (which currently requires a 37-year contribution) in one of the schemes, so it is generally that the amount of each of the two pensions that charge the pensioner is less than 100% of the regulatory base.
For each pension, the calculation will be made according to the Social Security method: the contribution bases of the last 24 years (288 months) will be taken and divided by 336 to obtain the regulatory base. Subsequently, the years worked will be considered to know the percentage of regulatory base to which they are entitled: 50% with 15 years and from there, for each of the following 106 months, 0.21% is added and for each one of the following 146 months, 0.19% of the regulatory base is added.
The amount of these pensions, however, is subject to the limits established by law. The sum of the two pensions cannot exceed the maximum amount established for 2021, which is 2,707.49 euros per month and 37,904.86 euros per year.
Nor may it be less than the minimum amount of retirement pensions, which depend on several variables (if there is a spouse or not, if they are in charge, age or if retirement occurs after a temporary disability) and that in 2021 goes from 609.90 euros to 1,276.50 euros per month.
These are all the changes in workers’ retirement pensions in 2022
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