Social Security will retire at 65 years of workers under 15 years quoted through the non -contributory retirement pension

Workers who have less than 15 years quoted or who had more, but without the right to the retirement tax pension, lack sufficient income may retire at 65 through the non -contributing retirement pension. Social Security offers this benefit to those who have never quoted or enough to access a contributory pension and with a amount of up to 7,905.80 euros per year.

This benefit is regulated in the General Law of Social Security, specifically in the articles ranging from 369 to 372 (can be consulted in this BOE). This law establishes that, unlike the contributory pension, the age of access to non -contributory retirement remains fixed in the 65 years and is not affected by the progressive increase in the legal retirement age.

Instead of a minimum of quoted years, access to this modality depends on the situation of the applicant, demanding to lack sufficient income or income and meet a requirement of legal residence in Spain. That is, this pension acts as a care aid so that those most vulnerable people have a minimum income.

Retirement from 65 years

As explained by the General Law of Social Security and Royal Decree-Law 1/2025, the non-contributing pension can be accessed without having contributed a single day to Social Security. Now, Social Security will ask for other types of requirements.

On the one hand, prove to have resided in Spain for 10 years, counted from the age of 16, of which at least two of those years must be consecutive and immediately prior to the date of the application. On the other hand, it is necessary to demonstrate a lack of income, which changes every year. For this 2025, it is set at 7,905.80 euros per year, but in the case of living with more family this threshold it will be increased, as explained Imserso website. Finally, it can be accessed from 65 years.

Amount based on income

The amount of the non -contributory pension depends on the income of the applicant and its economic unit of coexistence, that is, it is not a fixed amount. Thus, for this year 2025, the full amount is located at 7,905.80 euros per year, which are 564.70 euros per month, since it is paid in fourteen payments by having the right to two extraordinary. As the income increases, the amount can be reduced to the minimum, which is 25% of said amount, which are 141.18 euros per month.

There are specific calculation rules when several beneficiaries live in the same family. If the pensioner has income, the pension is reduced in the amount that exceeds 35% of the annual amount, but the payment will never be lower than the minimum guaranteed amount of 25%.

Practical example about retirement at 65

To understand it better, we put the example of Luisa, who, having 12 years quoted to Social Security and not be entitled to the retirement tax pension, decides to opt for the non -contributory pension and retire at 65 (in the event that he met the requirements of the contributory, but at 66 years and 8 months).

Social Security verifies that it meets the residence status, since it has lived in Spain during the last 20 years uninterrupted and that it lives alone and its only income is a small family aid of 200 euros per month, which represents 2,400 euros a year. As this amount is lower than the income limit by 2025, set at 7,905.80 euros per year, Luisa also meets this requirement.

The result is that Luisa is granted the non -contributory pension in her full amount, which as we have said the amount will be 7,905.80 euros per year, distributed in 14 payments of 564.70 euros. Thus, it must be clear that this benefit is not based on what it contributed, but that it is a care assistance of the State to ensure minimal income to those who, as Luisa, meet the conditions of residence and economic vulnerability.