On January 1, changes with the retirement age entered into force, continuing with the Law 27/2011 approved in its day by the government of José Luis Rodríguez Zapatero. In this 2025, to access retirement in Spain, we must meet more demanding quotation requirements during working life. Consult in this article all the news in what has to do with the age of retirement and the requirements required to access the withdrawal with 100% of the pension.
This April has arrived with news in partial, active and delayed retirement. With the aim of improving work and pension compatibility, Government approved last December the Royal Decree-Law 11/2024 to encourage Spaniards to delay their arrival at the retirement age. This standard includes new bonuses for those who choose to delay the withdrawal, eliminates the limit of the full contribution career for those who want to combine work and pension, In addition to introducing improvements for those who choose to advance access to retirement while developing a professional activity partially.
This follows the line established by the Ministry of Inclusion, Social Security and Migrations of recent years, which is penalizing those who advance access to retirement and bonate those who postpone their withdrawal. All in fear of being able to sustain a pension system that prepares to receive millions of retirees from the generation of the Baby Boom in Spain, which are born between 1958 and 1975. Therefore, last 2011 the Zapatero government included a series of novelties to delay retirement age progressively.
The new retirement age in Spain
So since January 1, 2025 it is more difficult to retire in Spain. To access ordinary retirement with 100% of the pension, a person will have to prove a price Minimum of 38 years and three months. In the case of not reaching this limit, you will have to wait at 66 years and eight months in the case of wanting to collect the pension in full. This progressive increase in the age of retirement It ends in 2027, when a person who does not meet the requirements will have to wait at age 67 to retire.
The Social security It also offers Spaniards the possibility of retiring up to 24 months before thanks to voluntary early retirement. People who comply with a minimum price of 35 years (two have to be established within the last 15) may retire at 63 years fulfilling a series of penalties that will depend on the quoted years and the months that want to advance retirement.
For example, those who are 38 years and six months quoted and want to advance the retirement Two years will have a reduction in the 21% pension, while it will be only 2.81% for those who move it a month and have 44 years and six months quoted.
The reducing coefficients of voluntary early retirement.
These reducing coefficients will even be 30% for those who are paid for involuntary early retirement, which allows workers who have been victims of an ERE, for example, advance retirement up to four years before.
Retirement advance without penalty
The Social security It also allows a large number of people to advance retirement without penalty. This is the case of workers subject to Mining Statutethe flight personnel of aerial works, the railroads, artists (singers, dancers and trapezistas), bullfighting professionals, firefighters, local police, members of the Ertzaintza, Mossos or the Foral Police of Navarra.
They may also advance retirement without penalty those who have a disability equal to or greater than 45% and have quoted a minimum of 15 years to Social security. People who have a long -listed career of more than 40 years can also advance their retirement age without complying with any penalty.
So the rest of citizens who are not within these groups will have to comply with a series of penalties if they want to advance the retirement age. This, from the Government it is intended that those who do not meet the requirements continue to develop their professional activity and quote social security in order to sustain the pension system.
