To retire in Spain, Social Security asks for several requirements, among which is at least 15 years quoted and comply with the ordinary age of legal retirement. Even so, the public pension system is so dynamic and flexible that it allows to advance the retirement age depending on the situation of each worker, so many wonder if they are They can retire with 60 years and 15 years quoted.
To answer, it is necessary to consult the Law 27/2011which includes the requirements to retire both ordinary and in advance. This rule, in force since 2013, establishes that the retirement age has been gradually delayed and that has increased the number of years that must be quoted to be able to retire. This process will end in 2027, when the ordinary retirement age will be at 67, except for those who have at least 38 years and 6 months quoted, in which case they can retire at 65.
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How many years must be quoted to access retirement with 61 years in Spain?
Can I retire at age 60 if I have 15 years quoted to Social Security?
Under normal conditions, no. Article 205 of the Social Security Law as well as the twentieth transitory provision of Law 27/2011 establishes that, to retire ordinaryly In 2025, it is necessary to be 66 years and 8 months old and having quoted at least 15 years to Social Security, of which at least two must be within the last 15 years (which is known as specific lack). However, the norm also allows to retire the 65 years if at least 38 years and 3 months have been quoted.
It is true that social security allows the ordinary age of retirement through voluntary and involuntary early retirement. In the case of voluntary retirement, the Maximum advance is 24 months Regarding the ordinary age. Therefore, in 2025, the minimum age of access will be 64 years and 8 months or 63 years, depending on the quoted time, and it will be necessary to have quoted at least 35 years.
In the case of involuntary early retirement, it is allowed advance age up to 48 months Regarding the ordinary age, so the minimum age will be 62 years and 8 months or 61 years, depending on the quoted years. In this case, it will be necessary to prove a minimum of 33 years quoted.
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What is the greatest cut on the voluntary anticipated retirement pension in 2025
So, knowing this and as we have already said, with 60 years and 15 years it will not be possible to retire, at least under normal conditions. Now, as we have said, the Social Security System is flexible and allows access to this age, but only in specific cases, such as workers included in the passive class regime, some mutualists or people with recognized disabilities equal to or greater than 45% , the retirement age could be advanced under certain conditions.
Retire at age 60 and with 15 years quoted through passive classes
Retire at 60 years and with 15 years quoted through the passive classes regime it is not possiblesince at least 30 years of state services are required. In the case of mutualists, retirement at 60 is possible under certain conditions, but a number of quoted years greater than 15 years is also required.
Disability retirement with 60 years and 15 years quoted
He Royal Decree 370/2023 Regulates early retirement for workers with recognized disability equal to or greater than 45%. In this case, it allows advance retirement until 60 years, provided that at least 15 years quoted are accredited, of which at least 5 years must have been with the disability Recognized and derived from one of the pathologies included in the Annex of the Decree. In addition, disability must imply a generalized and appreciable reduction of life expectancy.
Early retirement for workers with a DIscapacity of 65% or higher allows to reduce retirement age to a maximum of 9 years With respect to ordinary age. In 2025, this would be able to retire at approximately 57 years, depending on the ordinary age applicable in each case.
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