Starting in January 2025, self-employed workers will see significant changes in the requirements for accessing 100% of their retirement pension. This change is part of a gradual reform that began in 2013, and which seeks to adjust both the retirement age and the years of contributions required.
In 2025, the ordinary retirement age to obtain a full pension will be between 65 and 66 and a half years, depending on the years of contributions, which must be between 36 and 38 and a half years. For those who have worked in activities considered “dangerous” for at least 15 years, there is the possibility of early retirement before the age of 63.
These adjustments, which will continue until 2027, are part of a strategy to ensure the sustainability of pensions, progressively increasing the age and years of contributions. Thus, self-employed workers must plan their retirement in advance, taking into account the new Social Security requirements.
