How to get your pension early?
The early retirement it can be received before the age required for obtaining the pension is reached.
There are different types of early retirement, such as pensions that allow you to terminate the employment relationship without age limits, with compliance with the required contribution annuities or pensions that allow you to leave work with a certain contribution requirement and a retirement age.
How to get your pension early? Here are 3 things to know:
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The ordinary early retirement
The ordinary early retirement is required, until December 31, 2026, with the following requirements:
MEN – 42 years of age and 10 months of contributions;
WOMEN – 41 years of age and 10 months of contributions.
From 2019 and until 2026, the requirements for early retirement remain blocked. .
It must be said that those who have accrued the requirements for retirement must wait 3 months before receiving the treatment.
An example on how to receive the pension in advance with the ordinary?
Those who meet the requirements on January 1, 2020 will be entitled to retirement from April 1, 2020. You must then wait three months to receive the benefit.
This waiting window starts from the month following that of the completion of the necessary requirements.
When is the liquidation of the ordinary early pension? Either on the first day of the month following the closing of the waiting window or the payment of the pension takes place “within a month”. This is for those registered in the exclusive managements of the compulsory general insurance. Public employees are the classic example.
There is currently no possibility of obtaining an early retirement pension in advance for weary or burdensome workers.
2.The retirement pension in the event of totalisation of contributions
Contribution aggregation is a tool that offers the possibility of obtaining the right to a pension by adding the contributions paid in different managements for free.
So with the totalization it is possible to reach the retirement pension, without limits. Through this tool it is possible to retire on the sole basis of the years of contributions paid, with:
- 41 years of contributions;
- waiting for a window of 21 months.
At the end of the contribution waiting window it is possible to access the retirement pension.
3. Early retirement with extension of female option
How to get your pension early? Take advantage of “Woman option” it is extended until the end of 2020. It is a special subsidized pension dedicated only to female workers, who can anticipate leaving work in exchange for the contribution recalculation of the benefit.
The requirements are:
- For employees, it is necessary to be born before December 31st 1960, and have 35 years of contributions as of December 31st 2018. From the date of maturity of the last requirement to the payment of the pension, there is a waiting period, called a window, equal to 12 months;
- For self-employed women, it is necessary to be born by December 31, 1959, and have 35 years of contributions as of December 31, 2018. From the date of maturity of the last requirement to the payment of the pension, a period of window equal to 18 months.
Therefore, employees who have turned 58 and self-employed who have turned 59 by 31 December 2018 can obtain the pension.
This is if they have 35 years of contributions by the same date.
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