¿Puedo seguir trabajando y cobrar mi plan de pensiones?
Can I work and take my pension scheme at the same time?
When we consider planning our savings to improve our future and we analyse our expected retirement thoroughly, we have to analyse the pension we’ll be entitled to as well as the fixed expenses we’ll have and how much we can save. Working while taking your pension scheme after retiring is also an option. There are different ways to do this and we’ll show you all the options.
A Espanya hi ha 10 milions de pensionistes. El 63% són jubilats, el 23,6% són pensions de viduïtat, el 9,5% d’invalidesa i el 3,4% per orfandat, segons dades del mateix Ministeri. El nombre de pensionistes ha crescut i només un 5% cobra la pensió màxima.
Però a la resposta de si es pot seguir treballant i cobrar el pla de pensions, la resposta és sí, quan es donen les situacions següents:
1. Early retirement
It’s also possible to take the money from your pension scheme when you retire early and combine it with a job.
2. Standard retirement
This is when you reach the statutory retirement age (67 years in 2027) and you combine the government retirement benefit with an occupational activity.
3. Flexible retirement
This is for pensioners who have fully retired and wish to go back to work. In other words, they go back to working as usual, back to the employment status they’d abandoned. In this case, a new employment contract is signed for full-time or part-time work. It’s important to remember that the new employer of the pensioner taking up flexible retirement can’t be the same employer as before taking their retirement.
4. Partial retirement
This is for workers who have reached the legal retirement age but continue to work part time (25%-50% of the time). They must have a part-time employment contract with a company. They should meet all the requirements to get a contributive retirement pension. In other words, prove they have been paying contributions to the Social Security institution for at least 15 years, two of which must be included within the 15 years leading up to the retirement.
5. Active retirement
Active pensioners –who retire at the standard age and contribute to receive 100% of the benefit– may work full time or part time and receive up to 50% of the pension as long as the contract remains in force (when the contract ends, they will receive 100% of the pension). Granted by a body other than the Social Security institution: Workers who are members of another body (e.g. a professional association) and reach the standard retirement age but still wish to combine their retirement with a part-time or full-time job.
6. Deferred retirement
As for deferred retirement, where the person hasn’t effectively retired, they can’t take the retirement benefit from the pension scheme. There has to be a specific clause to be able to take the money from the pension scheme if they continue to work after retiring.