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El Gobierno propone que la pension se calcule con los ultimos 25 anos cotizados o con 29, excluyendo los dos peores
Summary
El Gobierno ha propuesto a los agentes sociales cambios al periodo de cálculo de la pensión para que se calcule con los últimos 25 años cotizados o con 29, excluyendo los dos peores años. Esta reforma de las pensiones pretende asegurar su sostenibilidad y dar respuesta a los requerimientos de la Comisión Europea. Los cambios incluyen la opción de elegir entre un período de calculo de 25 años o de 29 años, con la posibilidad de excluir los dos años de menor cotización. Además, se aumentan las pensiones mínimas contributivas hasta el 60% de la renta mediana, se establece una cuota de solidaridad para los salarios más altos y se mejoran las lagunas de cotización para las mujeres trabajadoras. El acuerdo cuenta con el aval de Bruselas y de Unidas Podemos.
Q&As
What is the proposed reform to the pension system?
The proposed reform to the pension system is that the pension will be calculated with either 25 years of contributions or 29 years of contributions, excluding the two worst years.
What are the main changes to the current system?
The main changes to the current system are that the pensioners will be able to choose the most beneficial option from a dual system of calculation, the gaps in contributions will be covered with 100% of the minimum base for the first 48 months (4 years) and 50% of the minimum base from the 49th month, the minimum contributory pensions will converge to 60% of the median income, the maximum contributions will be increased annually with the inflation rate plus an additional increase of 0.0115 percentage points each year until 2050, a solidarity fee will be established for the part of the salary that currently does not contribute due to exceeding the maximum contribution limit, the gender gap supplement of the pensions will increase by 10%, and an intergenerational equity mechanism will be established.
How will the reform protect lower pensions?
The reform will protect lower pensions by increasing the minimum contributory pensions to converge to 60% of the median income, increasing the gender gap supplement of the pensions by 10%, and establishing an intergenerational equity mechanism.
How will the reform help workers with irregular careers?
The reform will help workers with irregular careers by allowing them to choose the most beneficial option from a dual system of calculation, and by compensating for gaps in contributions with 100% of the minimum base for the first 48 months (4 years) and 50% of the minimum base from the 49th month.
What is the government's objective in reformulating the pension system?
The government's objective in reformulating the pension system is to ensure its sustainability and to respond to the requirements of the European Commission, to guarantee the purchasing power of pensioners, to ensure the equity of the system, and to guarantee present and future pensions.
AI Comments
👍 El Gobierno propone una reforma de pensiones que garantizará el poder adquisitivo de los pensionistas y la sostenibilidad del sistema para las próximas décadas.
👎 Esta reforma no garantiza un ahorro neto, ya que las pensiones se hacen cada vez menos justas cuando se destopan las bases sin reconocer derechos equivalentes.
AI Discussion
Me: It's about the Spanish government proposing changes to the pension system. They're proposing to calculate pensions based on either the last 25 years of contributions or 29 years, excluding the two worst years. They also want to increase contributions from those with higher salaries and address gaps in contributions for women.
Friend: That's interesting. What are the implications of this?
Me: Well, it could mean more money for those with higher salaries and improved pensions for those with irregular careers. It could also help reduce the gender gap by increasing pensions for women. However, some people are concerned that this could reduce the equity of the system because the two worst years of contributions would not be counted, which could benefit those with higher salaries more than those with lower salaries.
Action items
- Research the current pension system in Spain and compare it to the proposed reform.
- Reach out to local representatives to learn more about the proposed reform and how it will affect citizens.
- Follow news outlets and social media accounts to stay up to date on the progress of the reform.
Technical terms
- Gobierno
- Government
- Pension
- Retirement benefits
- Cotizados
- Contributions
- Agentes sociales
- Social partners
- Reforma
- Reform
- Comision Europea
- European Commission
- UP
- Unidas Podemos (political party in Spain)
- Diaz
- Yolanda Diaz (Spanish politician)
- Regimen dual
- Dual system
- Base minima
- Minimum base
- Renta mediana
- Median income
- Destope
- Removal of the cap
- IPC
- Consumer Price Index
- Cuota de solidaridad
- Solidarity fee
- Brecha de genero
- Gender gap
- Mecanismo de equidad intergeneracional
- Intergenerational equity mechanism
- Baby boom
- Baby boom (post-WWII population surge)