{"id":15403,"date":"2022-04-08T18:34:57","date_gmt":"2022-04-08T16:34:57","guid":{"rendered":"https:\/\/loaniconsulting.es\/que-ocurre-cuando-un-autonomo-no-ha-cotizado-lo-suficiente-para-acceder-al-100-de-la-pension\/"},"modified":"2024-11-08T11:27:55","modified_gmt":"2024-11-08T10:27:55","slug":"changes-in-self-employed-pensionswhat-happens-when-a-self-employed-person-has-not-contributed-enough-to-access-100-of-the-pension-for-self-employed-in-2025","status":"publish","type":"post","link":"https:\/\/loaniconsulting.es\/en\/changes-in-self-employed-pensionswhat-happens-when-a-self-employed-person-has-not-contributed-enough-to-access-100-of-the-pension-for-self-employed-in-2025\/","title":{"rendered":"Changes in Self-Employed PensionsWhat happens when a self-employed person has not contributed enough to access 100% of the pension? for Self-Employed in 2025"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"15403\" class=\"elementor elementor-15403 elementor-288\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bd2a67f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bd2a67f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-70ee394\" data-id=\"70ee394\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0ca6b78 elementor-widget elementor-widget-text-editor\" data-id=\"0ca6b78\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"Apple-converted-space\"><\/span>For self-employed workers, meeting the contribution requirements is key to ensuring 100% of their pension upon retirement. In 2025, those who wish to receive their full regulatory base must have accumulated at least 36 and a half years of contributions. In 2027, this minimum will increase to 37 years. If this contribution period is not reached, the pension will be calculated by applying a reduction percentage based on the years of contributions. <span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p><b>For example: <span class=\"Apple-converted-space\">\u00a0<\/span><\/b><b><\/b><\/p>\n<ul>\n<li>Regulatory base: A self-employed person with a base of \u20ac1,435.3 per month would receive 100% (\u20ac1,435.3) only if they meet the contribution requirements.<\/li>\n<li>Reduction by years: With only 15 years of contributions, 50% of the regulatory base is considered, resulting in a pension of \u20ac717.<\/li>\n<li>Gradual increase: From year 16, each additional month of contributions between months 1 and 49 increases the base by 0.21%. For example, with 16 years of contributions, the pension would be calculated on 52.52% of the base, resulting in \u20ac753.3. <\/li>\n<\/ul>\n<p>This gradual system continues until reaching 100% of the pension after 36 and a half years of contributions. Therefore, it is essential that self-employed people plan their retirement and contribute what is necessary to ensure maximum coverage.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p><b>Conclusion: <\/b><\/p>\n<p>Not reaching the appropriate contribution period significantly reduces the amount of the pension. Knowing these details allows self-employed people to make informed decisions to ensure their financial well-being in retirement.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p> \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1120da7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1120da7\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e5ce535\" data-id=\"e5ce535\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-305b675 elementor-widget elementor-widget-image\" data-id=\"305b675\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/loaniconsulting.es\/wp-content\/uploads\/elementor\/thumbs\/Pension-qx3cf9z80bu0d1rsi4v8w5a7j7wne713je4h1uxu8c.jpg\" title=\"Pensi\u00f3n\" alt=\"Pensi\u00f3n\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Adipiscing elit &#8211; sed do eiusmod tempor incididunt ut labore et dolore magna enim ad minim veniam dolor.<\/p>\n","protected":false},"author":1,"featured_media":14580,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[174],"tags":[],"class_list":["post-15403","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-174"],"_links":{"self":[{"href":"https:\/\/loaniconsulting.es\/en\/wp-json\/wp\/v2\/posts\/15403","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/loaniconsulting.es\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/loaniconsulting.es\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/loaniconsulting.es\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/loaniconsulting.es\/en\/wp-json\/wp\/v2\/comments?post=15403"}],"version-history":[{"count":0,"href":"https:\/\/loaniconsulting.es\/en\/wp-json\/wp\/v2\/posts\/15403\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/loaniconsulting.es\/en\/wp-json\/wp\/v2\/media\/14580"}],"wp:attachment":[{"href":"https:\/\/loaniconsulting.es\/en\/wp-json\/wp\/v2\/media?parent=15403"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/loaniconsulting.es\/en\/wp-json\/wp\/v2\/categories?post=15403"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/loaniconsulting.es\/en\/wp-json\/wp\/v2\/tags?post=15403"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}