Of all the variables to which a worker must pay attention in the face of his future retirement pension, one of the most important is the regulatory base, a concept that is common to Social Security and unemployment benefits and is crucial in the future amount of said worker’s pension.
The reason is that the regulatory base is the figure that serves as an index to calculate the amount of the pension and that is the average of the worker’s contribution bases in the time taken as a reference. The regulatory base of each worker, therefore, is different and so will be the calculation methods of the regulatory bases of each of the Social Security benefits or unemployment and the subsidies managed by the State Public Employment Service ( SEPE).
In the case of retirement pensioners, the regulatory base has been modified in the last decade due to the effects of the 2011 labor reform in which a progressive calendar was established by which the years of contributions to be taken into account for the calculation of said base. The increase process began in 2013 and has ended in 2022, the last stage (at least for now) of that gradual rise.
Thus, in this year the regulatory base of contributory retirement pensions is calculated by adding the contribution bases of the last 25 years, that is, of the last 300 months prior to the request for the pension. That sum is divided by 350 to obtain the regulatory base.
The Social Security autocalculation program
The Social Security has a system in which the citizen, without the need to have access methods such as the digital certificate () or Cl@ve (), can “make an approximate calculation of the amount of the regulatory base of the future retirement pension “.
It is in the ‘Autocalculation of the Regulatory Base’ service, to which, and in which by entering your contribution bases for the last 25 years (in that sense) you can get an idea of what your regulatory base will be and even make predictions with bases future.
Common doubts with the regulatory base of a pension
When it comes to being more or less clear about what the regulatory basis means to the future retiree, several questions open up: what happens if in those 25 years they have periods without contributing? And what about the years you worked before the last 25 years of your career?
In the first case, the worker must know that he has a little help if he belongs to the General Regime, the integration of gaps that allows him. The first 48 months will be completed with the minimum base in force at any time and from then on up to 50% of the minimum base in force. This is a small aid that also serves to complete the contributions of the sections in which they worked part-time and without reaching the minimum contribution base.
In the second case, the worker must be calm: although for the calculation of the regulatory base the contribution bases of the last 25 years are taken into account, the previous periods are very important, since they also determine the amount of the pension of retirement. Yes, in a different way.
How the retirement pension is calculated with the regulatory base
The explanation is in the , which grants the worker certain percentages of the regulatory base based on the years worked. These scales are also progressively modified by the 2011 pension reform and in 2022 they are structured as follows:
-With a minimum of 15 years of contributions, the right to a pension is generated, which will be 50% of the regulatory base (or the ni does not reach that amount, ).
-From those 15 years, for each of the following 106 months, an extra 0.21% of the regulatory base is granted.
-During the following 146 months, an extra 0.19% of the regulatory base is granted per month quoted.
With these figures, the worker must have a total of 36 years of contributions to be able to access 100% of the regulatory base, which is usually known as . That is why the number of years quoted in the total career of the worker is so important.
But not only that, the number of years worked is also key to another variable: . In these cases, 35 or 33 years of work are required (depending on whether it is voluntary or involuntary), so the amount of contribution, beyond those 25 years used to calculate the regulatory base, is also transcendental.
Facebook Comments
Disqus