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The Government has ruled out eliminating the penalty applied to workers who access the early retirement with 40 or more years of contributions, before reaching the ordinary retirement age. In a parliamentary response, Sánchez’s Executive has indicated that eliminating these reducing coefficients would mean a cost of 3,358 million euros per year borne by the public pension system.
The measure has been claimed by formations such as Canwho have defended that people who have long careers can retire early without having to see your pension reduced. The BNG (Galician Nationalist Bloc) has also asked the Government for explanations for the delay in eliminating these coefficients, through a battery of questions recorded by deputy Néstor Rego.
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Workers who retire before the normal age see their pension reduced through the application of reducing coefficients. These cuts change depending on the months in advance of retirement, the years of contributions and whether early retirement is voluntary or involuntary.
A heavy expense for the pension system
The Government has made it clear that eliminating the coefficients reducing the initial pension for current early retirees with contribution careers equal to and greater than 40 years would have a cost for the pension system of 3,358 million euros annually.
Of this amount, 1,354 are for beneficiaries of voluntary early retirement pensions while another 2,013 million euros affect cases of involuntary early retirement.
The involuntary early retirement It is one that occurs due to causes beyond the control of the worker, such as a collective dismissal, the termination of the contract due to force majeure, situations of gender violence or serious breaches by the employer, in accordance with the provisions of the General Social Security Law (LGSS).
Retirees who earn more than 2,000 euros on average
In its response, the Executive has also defended that pensioners affected by these reducing coefficients receive average pensions greater than 2,000 euros per month.
In the case of voluntary early retirement, beneficiaries with 40 or more years of contributions bear an average reduction coefficient of 11.36% and receive an average pension of 2,002.58 euros per month. Furthermore, they have an average of 43 years and six months of contributions and retired, also on average, at 63 years and two months.
For their part, those who agreed to involuntary early retirement have an average reduction coefficient of 18.9% and receive an average pension of 2,100.42 euros per month. In this case, the average contribution period is 42 years and 11 months, while the average age of access to retirement was 61 years and ten months.
BNG and Podemos demand the elimination of these cuts
Podemos has been demanding for some time that workers with 40 or more years of contributions be able to access early retirement without penalty. In fact, in November 2025, Congress approved a motion calling for promoting the necessary reforms to eliminate the reducing coefficients in these cases.
The BNG also defends eliminating these cuts and has asked the Executive to explain why it continues to delay a reform that would benefit workers with long careers. But the Government maintains that any modification of the Social Security legal regime must be analyzed within the monitoring bodies of the public pension system. Specifically, it refers this issue to the Permanent Commission for Monitoring and Evaluation of the Agreements of the Toledo Pact and to the Social Dialogue Table.