A common concern of workers is to know what resources they will have when they retire, that is, the money that will remain with the retirement pension. And, furthermore, how to get the largest amount possible to live with greater solvency and comfort said retirement. Issues that do not escape the self-employed.
It is always commented that the particularities of these self-employed professionals (who are part of the Special Scheme for Self-Employed Workers) make their arrival at retirement different, but the truth is that, as explained by Social Security, it occurs “under the same terms and conditions” as those of employed workers.
Thus, and following the , the self-employed worker will have to work a minimum of 15 years to be entitled to the minimum pension or 50% of their regulatory base. It is the first milestone that he must reach to guarantee the benefit when he retires, but it is not the only one.
The reason is that, after those 15 years, the self-employed person must continue working (and contributing) to be entitled to a greater part of the regulatory base: for each of the following 106 months they will earn 0.21% of said regulatory base and For each of the following 146 months, you will be entitled to 0.19% of the regulatory base. With these scales, the self-employed person will be entitled to 100% after working for 36 years.
One of the differences with employed workers is that, to achieve this contribution objective, you cannot use the gap integration that allows these workers (with the minimum base for 48 months and 50% of said base thereafter). onwards) the periods in which you did not contribute.
This is the first drawback, since it not only subtracts from the accumulation of years to be entitled to 100% of the pension: it also prevents the self-employed from maintaining a certain amount of the regulatory base because, to calculate it, they are taken into account. counts the last 24 years of his career (the last 288 contribution bases). If the self-employed person, for whatever reason, does not contribute during that time, he will see how his regulatory base (and the amount of his pension) will decrease.
The contribution base is another problem for the self-employed. Most of these workers make contributions for the minimum base (which is currently 944.40 euros), so this can generate pensions of a lower amount than desired or expected, even with 100% of the pension. In order to modify this, the self-employed worker must be entitled to up to , although after a certain age, the choice of bases is restricted:
-Workers who were 48 years of age or older at the beginning of 2021 and a contribution base of more than 2,052 euros per month may only have a base between the minimum and said base. Otherwise, they can only choose a base between 1,018.50 and 2,077.80 euros.
-Workers aged 48 or over at the start of 2021, at least five years of contributions and a contribution base of more than 2,052 euros may choose any base between the minimum base and the base they had. If not, they will have a base between the minimum base and 2,077.80 euros.
All in all, the self-employed person has an extra bullet left if, once he reaches retirement age, he is left with a pension that does not convince him. The , which is nothing more than continuing to work despite reaching retirement age, appears so that the self-employed add percentages of between 2% and 4% each year (depending on their previous contribution) beyond that age of retirement.
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