Pensions - Page 2
97 news
French Teacher Retires at 61 with €2,454 Monthly Pension
Joël, a French secondary school teacher, retired at 61 after nearly 30 years in public education. He now receives a net pension of €2,454 per month and volunteers teaching French to foreigners. His case highlights the complexities of early retirement rules in France.
Social Security to Cut Pensions by 14% for Early Retirement After 38 Years of Contributions
Spain’s Social Security will apply a 14% pension cut to those with over 38 years of contributions who retire early. The measure affects both voluntary and involuntary early retirees. No changes to the rule are planned.
Flexible retirement in Spain: new 25% pension bonus for part-time work
From August 2026, Spanish pensioners who take up flexible retirement and work 55–80% of a full schedule will receive a 25% pension supplement. The reform also opens the scheme to self-employed workers.
New Flexible Retirement Law Offers Bonuses for Returning to Work
A major change to Spain’s retirement rules will allow pensioners to return to part-time work with significant financial incentives. The new law, effective August 28, 2026, introduces bonuses of up to 25% for those who meet specific conditions.
One Missed Deadline Cost This Self-Employed Woman Her Pension
A self-employed woman in the Basque Country was denied her pension after 16 years of contributions. The court ruled her registration in the RETA system ended too late to qualify under old rules, forcing her to wait longer for retirement benefits.
Why 15 Years of Social Security Contributions Can Mean a Bigger Pension Than Expected
Spanish Social Security expert Alfonso Muñoz reveals why some retirees with only 15 years of contributions may receive pensions that exceed their total payments. Legal caps, minimum supplements, and early retirement rules all play a role in this surprising outcome.
Spanish Civil Servants Can Now Work Up to Age 70—But It’s Not Automatic
Civil servants in Spain reaching mandatory retirement can apply to extend their service until 70. The decision rests with the administration, which must justify any refusal. The process is not automatic and depends on specific regulations and individual circumstances.
Retired Plumber Faces Life on €500 Pension After 50 Years of Self-Employment
David, a 75-year-old retired plumber, receives just €500 a month after more than five decades as a self-employed worker. His story highlights the financial risks many autónomos face in Spain, where long careers do not always translate into comfortable retirements.
Catalan Court Orders Pensioner to Repay €32,857 After 680 Days Abroad
A woman in Catalonia must return over €32,000 after Social Security found she spent nearly two years in Morocco and exceeded income limits. The court upheld the pension’s cancellation, highlighting strict residency and financial rules for non-contributory disability benefits.
Having Children Can Boost Your Spanish Pension by Over €200 a Month
Spanish Social Security now offers significant pension increases for parents, with new bonuses for child care periods and a gender gap supplement. These measures, set to expand in 2026, can add years to your contribution record and over €200 monthly to your retirement income.
Early Retirement in Spain: Pensions Cut by Up to 17% Despite Long Careers
Spanish workers with over 41 years of contributions can still see their pensions permanently reduced by up to 17% if they retire early. The size of the cut depends on how many months before the legal age retirement begins, with penalties lasting for life.
SEPE Clarifies: Special Social Security Agreements Don’t Unlock Over-52s Subsidy
Many nearing retirement hope that paying into a special Social Security agreement will help them qualify for Spain’s over-52s unemployment subsidy. SEPE now confirms this route alone is not enough, and explains what actually counts when applying for the benefit.
15 Years of Contributions Do Not Guarantee a Full Spanish Pension
Many Spanish workers mistakenly believe that 15 years of contributions entitle them to a full pension. In reality, this period only grants access to half of the regulatory base, with the full amount reserved for much longer careers. The calculation is more complex than most expect.
Retired Farmer Ordered to Repay €46,800 for Working While on Pension
A retired farmer in La Rioja must return nearly €47,000 after authorities found he continued managing his agricultural business while receiving a full pension. The court's decision highlights the strict incompatibility rules between retirement benefits and ongoing self-employment in Spain's farming sector.
Spain Raises Retirement Bar: 65 Only for Those With 38.5 Years Worked
From 2027, Spaniards born between 1961 and 1965 will need at least 38 years and 6 months of contributions to retire at 65. Those falling short must wait until 67, marking a decisive shift in Spain’s pension landscape. The change finalizes a decade-long reform.
Spanish Tax Agency Returns €6.4 Billion to Former Mutualists
Spain’s tax authority has officially refunded over €6.4 billion to pensioners who contributed to historic labor mutual funds. The majority of beneficiaries fall within the €30,000–€60,000 income bracket, with average payouts exceeding €2,000 per person.
Senate Restores Exclusion of Pensioners in Mutualists' Social Security Law
The Senate has reintroduced a key restriction in the law allowing mutualists to join Social Security. Existing pensioners are now excluded again, affecting thousands of professionals. The final decision returns to Congress.
Spain Cuts Pension Approval Times as Delayed Retirement Surges
Spain’s Social Security has sharply reduced the time it takes to approve retirement pensions, with most new claims now resolved in just over a week. The number of workers choosing to delay retirement is also rising, pushing the average retirement age higher.
Social Security Grants 270-Day Pension Bonus Per Child in Spain
Spain's Social Security now counts 270 extra days per child towards pensions. The measure targets gaps in contributions after childbirth. Additional supplements can further boost retirement income.
Spain Approves Early Retirement for Truck Drivers Amid Health Risks
Spanish authorities have endorsed early retirement for professional truck and bus drivers, citing high accident and mortality rates among older workers. The reform targets those born between 1961 and 1965, aiming to improve road safety and protect drivers’ health.
Spain Grants Full Disability Pension for Severe Fibromyalgia Cases
Workers diagnosed with fibromyalgia may be eligible for a full disability pension if their symptoms make any form of employment impossible. The decision depends on the severity of limitations, not just the diagnosis itself.
After 49 Years of Work, Juan, 80, Forced to Live in a Van Amid Soaring Rents
Juan, nearly 80, spent decades working and now survives on a €1,000 pension. When his rental contract ended, he was left with no affordable options and has spent months living in a van while searching for a home he can afford.
Why 20 Years of Contributions Won't Let You Retire Early in Spain
In 2026, Spaniards with 20 years of contributions must wait until 66 years and 10 months to retire. This work history qualifies for a contributory pension, but not the full amount. The rules are stricter than many expect.
Generational Divide in Spain: Economist Highlights Contrasting Saving Habits
Economist Gonzalo Bernardos points to a sharp split in financial behavior between young and older Spaniards. He notes a decline in long-term sacrifice among youth and a conservative approach to spending among pensioners.
Spain Faces €18 Billion Bill from Senior Unemployment Subsidy Reform
A major overhaul of Spain’s unemployment subsidy for those over 52 is set to cost the Social Security system nearly €18 billion. The benefit, now closely tied to early retirement, has seen its impact grow sharply since the 2019 reform.
Spain’s Over-52 Unemployment Subsidy Fuels Soaring Public Costs
A 2019 overhaul of Spain’s unemployment subsidy for over-52s has sharply increased both the number of recipients and the long-term financial burden on the state. Experts warn the benefit now acts as a de facto early retirement path, with billions in future pension costs at stake.
Spanish Court Denies Disability Pension to Office Worker with Chronic Pain
A 42-year-old administrative worker with chronic back pain, depression, and a 48% disability rating has been denied permanent incapacity benefits. Judges ruled her condition does not prevent her from performing her office duties.
Spain Faces €18 Billion Strain from Overhaul of Unemployment Aid for Over-52s
The 2019 reform of Spain’s unemployment subsidy for those over 52 has nearly tripled recipients. This surge is set to cost the state almost €18 billion by 2030, raising concerns over the sustainability of public finances.
The new scheme will increase payments for those who worked through alternative funds
Spain Changes Pension Rules for Mutualistas: Up to 1,200 Euros per Month. Spain has adopted a law paving the way for higher pensions for professionals who have contributed to alternative mutualidades. They can now qualify for payments of up to 1,200 euros if they transfer their service years to the Seguridad Social system.
New pension indexation faces the reality of tax deductions
Pension Increase in Spain: Why Most Won't Feel the Raise. In 2026, pensions in Spain will rise again by 2.7%, but not everyone will notice the difference. Due to the specifics of taxation, part of the increase will be withheld by the state, so the real payouts will be lower than announced.
Court Recognized Private Pension Plan Income as Basis for Benefit Repayment
Pensioner loses supplement and must return 14 thousand euros by court decision. A resident of Castilla-La Mancha lost his right to a pension supplement after his income from a private pension plan exceeded the limit. The court ordered him to return more than 14 thousand euros received over several years.
Who Is Entitled to a One-Time Compensation for Occupational Disability
Self-employed in Spain Can Receive a Lump Sum Instead of a Pension: What You Need to Know. Spanish self-employed workers may, under certain conditions, replace a disability pension with a one-time payment. The amount of compensation depends on the cause of incapacity and the selected insurance options. It is important not to miss the application deadlines.
Why It's Important to Check Contribution Periods If You Worked Part-Time
An Error in Employment History Can Cost Hundreds of Euros in Pension. Incorrectly recorded periods of employment can lower future pensions, even for those who have worked continuously. This issue especially affects people with part-time jobs. New regulations allow employment records to be recalculated, but only if the error is detected in time.
Why 15 years of employment do not always guarantee pension eligibility
Many Workers in Spain Risk Losing Their Pension Due to Unawareness of a Key Requirement. Thousands of Spaniards believe that 15 years of work experience is enough to qualify for a pension. However, the law requires another important condition that is often overlooked. Failing to meet this rule can deprive you of your pension rights even with the full required years of service.
Key mistakes when applying and what to consider before submitting documents
Why Thousands of Disability Pension Applications in Spain Are Rejected. Many Spaniards are denied disability pensions not because of their diagnosis, but due to formal errors. The key factors are medical documentation, employment history, and timing of the application. We explain how to avoid common pitfalls.
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