The public social security pension system has changed and evolving over the last 15 years and in fact, continues to do so. The reforms have always sought the same thing: to guarantee the public pension system and make it sustainable, even more now when the system lives tensioning. Thus, these changes sought to discourage early retirements through reducing coefficients that would act in the form of penalty, being able to reach up to 30%. But, what happens when those retirement are forced and on top of the worker has a working life in which he has never stopped working, is it fair to punish him for life in the pension?
Manuel Barrera, secretary of the ASJUBI40 Association, explained to news work that this week they held a meeting with the Secretary of State for Social Security, Borja Suárez. Antonio Matinero (President), Santiago Menchero (spokesman) and Kike Román (head of communication) of ASJUBI40, and the central theme was also participated in the meeting, and the central theme was the situation of the reducing coefficients in the early retirement for those who have long contribution races. According to Barrera, the Secretary of State moved them that eliminating these coefficients would mean “a lot of money” and would be “very expensive” for the system.
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The association that represents more than 900,000 pensioners explained that this situation is unfair and accentuates inequality, claiming an “imaginative”, fair and definitive solution, which is naturally integrated into the legislation and avoids future grievances.
In addition, to facilitate the viability of the reform they proposed alternatives for a staggered elimination of these coefficients, in order to distribute the budget impact over time and not turn the economic argument into an excuse not to advance in the correction of this anomaly, but these remained in the inkwell and wait for the return after the holidays.
Eliminate penalties for long contribution races
Manuel explains that ASJUBI40 does not ask the elimination of all reducing coefficients, but for those pensioners who have demonstrated a long contribution career, that is, those with more than 40 years quoted. He understands that he cannot penalize someone who has quoted almost all his work life without having a single stumbling “if we are the ones who have contributed the most to the system, why we must be punished”.
In fact, he explains that “a person who has contributed 52 years, 9 months and 28 days, and decides to retire in advance two years before the ordinary age, suffers a 13%penalty, leaving the same regulatory base as another person with only 29 years quoted.” For Manuel the verdict is clear and thinks that “it is totally unfair and breaks with the basic principle of equity and contributivity.” That is, he works 23 more years, he loses his right to collect the full pension and on top of that he would have worked 29 years.
Not only that, he also explains that he does not understand how “a lot of money” can cost when people who do not reach the minimum pension for lack of quoted years or that their regulatory base is low, social security is encouraged with the “complement to minimums” to ensure that they charge the minimum pension.
In addition, it emphasizes that much of the early retirements occur involuntarily, that is, without the worker’s will. “He thinks that a 61 -year -old worker is fired following an ERE, is left without employment and must choose between looking for another job, collecting unemployment or accessing the subsidy for over 52 years, seeing how his retirement is harmed; or withdrawing before the ordinary age, assuming that his pension will cut up to 30%.” In addition, he adds “many do not retire because we want, we do it because we have no other.”
Finally, he adds that there are professions that do allow to retire before the ordinary age without suffering penalties, those cataloged as “painful professions”, without leaving aside that passive classes can do so at 60, provided they have accumulated 35 years of service, as collect the passive classes portal.
They lose up to 257,590.34 euros despite having worked more years
ASJUBI40 registered in the Congress of Deputies a proposal of law promoted by Unidos Podemos, in which a document of the economic loss of their retirement was attached compared to other workers. In this table (which is shown below), the first corresponds to a worker who accesses retirement at age 65, after contributing 37 years and 9 months in the general regime, and receives 100% of his pension.
The second case is that of a retiree who, with 60 years and 35 years quoted, also receives 100% of the benefit for belonging to the special passive classes regime or certain bodies and security forces.
The third profile reflects the situation of those who, despite accumulating more than 44 years and 6 months of contribution, is forced to retire in advance at age 61 and suffers a 24%penalty. Finally, the case of a 63 -year -old retiree who, after 41 years and 5 months quoted, faces a 19% reduction in his pension for opting for early retirement voluntarily.
| Age | Worker at retired legal age (100%) | Worker b passive classes (60 years) (100%) | Worker C retired 4 years before (24% penalty) | Retired worker 2 years before (19% penalty) |
|---|---|---|---|---|
| 60 years | – | € 21,000.00 | – | – |
| 61 years | – | € 21,630.00 | € 15,960.00 | – |
| 62 years | – | € 22,278.90 | € 16,438.80 | – |
| 63 years | – | € 22.947.27 | € 16,931.96 | € 17,010.00 |
| 64 years | – | € 23,635.69 | € 17,439.92 | € 17,520.30 |
| 65 years | € 21,000.00 | € 24,344.76 | € 17,963.12 | € 18,045.91 |
| 66 years | € 21,630.00 | € 25,075.10 | € 18,502.01 | € 18,587.29 |
| 67 years | € 22,278.90 | € 25,827.35 | € 19,057.07 | € 19,144.90 |
| 68 years | € 22.947.27 | € 26,602.17 | € 19,628.79 | € 19,719.25 |
| 69 years | € 23,635.69 | € 27,400,24 | € 20,217.65 | € 20,310.83 |
| 70 years | € 24,344.76 | € 28,222.24 | € 20,824.18 | € 20,920.15 |
| 71 years | € 25,075.10 | € 29,068.91 | € 21,448.91 | € 21,547.76 |
| 72 years | € 25,827.35 | € 29,940.98 | € 22,092.37 | € 22,194.19 |
| 73 years | € 26,602.17 | € 30,839.21 | € 22,755.14 | € 22,860.02 |
| 74 years | € 27,400,24 | € 31,764.38 | € 23,437.80 | € 23,545.82 |
| 75 years | € 28,222.24 | € 32,717.32 | € 24,140.93 | € 24,252.19 |
| 76 years | € 29,068.91 | € 33,698.84 | € 24,865.16 | € 24,979.76 |
| 77 years | € 29,940.98 | € 34,709.80 | € 25,611.11 | € 25,729.15 |
| 78 years | € 30,839.21 | € 35,751.09 | € 26,379.45 | € 26,501.03 |
| 79 years | € 31,764.38 | € 36,823.63 | € 27,170.83 | € 27,296.06 |
| 80 years | € 32,717.32 | € 37,928.34 | € 27,985.96 | € 28,114.94 |
| 81 years | € 33,698.84 | 39,066.19 | € 28,825.54 | € 28,958.39 |
| 82 years | € 34,709.80 | € 40,238.17 | € 29,690.30 | € 29,827.14 |
| 83 years | € 35,751.09 | € 41.445.32 | € 30,581.01 | € 30,721.95 |
| 84 years | € 36,823.63 | € 42,688.68 | € 31,498.44 | € 31,643.61 |
| 85 years | € 37,928.34 | € 43,969.34 | € 32,443.39 | € 32,592.92 |
| Total years | € 602,206.20 | € 809,613.89 | € 581,889.86 | € 552,023.55 |
The retiree who retires at 61 loses 20,316.34 euros for the one who does it at 65. If retirement is at age 63, the loss amounts to 50,182.65 euros. In the most extreme cases, in front of a 60 -year retiree of the passive classes regime, the difference reaches 227,724.03 euros for the 61 -year -old retiree and 257,590.34 euros for the 63rd.