Many workers live with the idea of early retirement and thus give way to a well-deserved rest after many years of work activity. For some, this decision may be possible and they will anticipate their retirement, for others, it remains.
However, for the first group and, according to the requirements of the pension regulations, only some people meet the appropriate requirements to obtain it.
In this context, the requirements to access any of the early retirement modalities change every year in most cases due to the ordinary retirement age, which since the 2011 pension reform has been increasing progressively (and thus it will continue to be at least until 2027, the date on which that schedule of staggered increases ends).
In some cases, the requirements do not depend on the year, but in the types of early retirement that affect more people, the ordinary retirement age is key.
Retirement age during 2022
First of all, you have to take into account what the retirement age is during 2022:
-66 years and two months for people who have not reached 37 years and six months of contribution.
-Of 65 years for people who have a contribution of 37 years and six months.
Retirement age during 2023
In 2023 the age to retire will be 66 years and 4 months if the workers prove less than 37 years and 9 months of contributions. For their part, those workers who have contributed for 37 years and 9 months or more may retire this year at 65 years of age. In the last year, the required contribution period will increase by three months (from 37 years and 6 months to 37 years and 9 months). In addition, the retirement age rises by 2 months (from 66 years and 2 months to 66 years and 4 months).
Voluntary early retirement
In this modality, advances of a maximum of two years are allowed with respect to the ordinary retirement age, so that only workers who are 63 years old or 64 years old can execute it for two months, depending on their contribution level. In addition, these workers must have a minimum of 35 years of contributions, of which two must occur among the 15 prior to the retirement request (for the global calculation, one of the ‘mili’ or substitute social benefit is used).
Along with these requirements, access to retirement is also requested from a situation of registration (or assimilated) in Social Security and that the resulting pension has a higher than the minimum amount of pensions.
Involuntary early retirement
This retirement modality allows advances of up to four years with respect to the ordinary age, so it is possible for workers with at least 61 years or 62 years and two months. Your accreditation, in any case, cannot be less than 33 years (here, one year of the ‘military’ or substitute social benefit also serves), of which two must take place in the 15 prior to the request for retirement.
In parallel, these workers must carry out an involuntary cessation of work and be registered as job seekers six months before applying for retirement.
Early retirement due to profession
These workers may retire early under specific terms if they belong to any of the professions that, due to their danger, toxicity or hardship, may present higher mortality rates. Each of them has specific regulations that are included in this , but the retirement age cannot be brought forward below 52 years.
Among the professions to highlight, that of mining workers, railway workers, aerial work flight personnel, artists, bullfighters, railway workers, local police, workers of the Sea…
Early retirement in the Passive Classes
Citizens who belong to the Passive Class regime (career officials and interns of the General Administration, of the Administration of Justice, staff of the Cortes Generales…) may retire early from the age of 60, but with one condition: that they have accredited at least 30 years of effective service to the State.
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