The worker will be able to contribute up to 1,500 euros in the new employment pension plans by himself, even if his company decides not to make disbursements of this type. As confirmed by Social Security sources and it appears from the text of the new law, to which eE has had access, this individual income can be made even in the case of a zero contribution from the company, as long as that amount is not allocate to the third pillar of saving for retirement: individual plans. These 1,500 euros will be deductible in the worker’s personal income tax.
Another condition for the worker to benefit at his own expense from the new employment plans, promoted by the Ministry led by José Luis Escrivá, is the obligation for the company to form part of an employment pension plan. Thus, an investment door is opened for the worker as an alternative to the individual plans themselves, whose maximum tax deduction is limited to 1,500 euros per year, after a cut from 8,000 euros per year.
The new law, the text of which eE has had access to, sets the maximum limit for joint contributions at 8,500 euros, which can go up to 10,000 euros by adding contributions of 1,500 euros that fluctuate between the possibility of going to their own employment plans or individual ones. , they explain from the Ministry. Those 1,500 euros, therefore, can be added at any time to the new public employment fund, also when the company does not contribute.
Taking as a reference the example offered by , with an annual contribution of 250 euros per worker, calculations can be made on contributions for the worker. The law establishes that the increase in contributions by the employee or the company will follow a series of multiplier coefficients. For the most common, equal to or less than 500 euros per year, the coefficient is multiplied by 2.5.
Thus, a worker for whom his company contributes 500 euros could contribute up to 2,750 euros to his employment plan, adding 1,250 euros of the increase with its corresponding coefficient and the extra 1,500 euros. All this taking into account that you do not have an individual plan, which would exclude the possibility.
In the particular case of workers in the construction sector who have already signed a preliminary agreement, the calculation remains at 2,125 euros, for the lowest annual amount contributed by the company. 250 would be multiplied by 2.5, which adds up to 625 euros, and could reach 2,125 euros with the possibility of incorporating the 1,500 euros into this type of plan.
The tables included in the text approved after the plenary session held on June 9 apply a multiplying coefficient of 2 in annual contributions between 500.01 and 1,000 euros, of 1.5 between 1,000.01 and 1,500 euros and of 1 from 1,500 euro per year.
In the case of self-employed workers, this increase in simplified employment plans is capped at 4,250 euros per year and would rise to 6,750 euros with the aforementioned 1,500 euros. 3,250 euros remain below the possibilities offered to salaried workers employed by others.
Savings for boosting
The objective of this law, by recommendation of the Pact of Toledo, is . In Spain, the employed active population covered by the second savings pillar adds up to one in ten workers, when the European environment is between 25% and 90%.
Since the 1990s, the weight of pension plans has gone from 50% of the total complementary social security to 25% today. The assets of the plans have grown in the last decade, totaling 40,000 million, although the data provided by Inverco reveals a drop in participants, both for individual plans and employment plans, falling by 1.3 million people.
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