How much pension is left with 15 years quoted

There is no aspect that matters more to a retired future than that of the amount of your pension. It is not for less: when he becomes a pensioner that benefit will replace his salary and will become, except in exceptions, in his main source of income until the date of his death.

One aspect to keep in mind is that not all workers can collect the retirement tax pension. The General Social Security Law establishes a minimal period of mandatory compliance contribution. Its article 205 (you can consult it in this link) makes it clear so that in order to collect it, it is necessary to “have a minimum quotation period of fifteen years, of which at least two must be included within fifteen years immediately prior to the time of the time of Cause the right. ”

Thus, with 15 years quoted you can already access a retirement tax pension. But what amount of pension will that person charge? The pension regulations of our country links the amount of pensions with the years quoted by the worker in a previous way, so that being the minimum required period, it is normal for a person with 15 years quoted to charge less pension than one with 30.

How much retirement pension is charged with 15 years quoted

The answer is in the method of calculating social security retirement pensions. This method takes into account the quoted years and the base of trading of the worker. The process is as follows:

The first step is to calculate the regulatory base, which is obtained by adding the contribution bases of the last 300 months (25 years) and dividing that amount between 350. In the calculation coefficients apply to the contribution bases of all years except the last two to reflect the effects of inflation and workers (except autonomous and household employees) are allowed quote. The second step is to know the percentage of regulatory base to which he is entitled to the worker, which depends on the quoted time. With the minimum required of 15 years, the case at hand, that percentage is 50% of the regulatory base.

Thus, a person who has quoted 15 years will be entitled to collect a pension equivalent to 50% of his regulatory base.

In the event that this amount is lower than the amount of minimum pensions registered by 2025, Social Security could grant the minimum complement to raise that amount to the minimum that corresponds to it (they are different depending on the composition of their unit familiar).

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How much pension is left with 15 years quoted