2023-05-29 11:10:10
People who have not contributed the minimum of 15 years to access a contributory pension they also have the right to receive a benefit for retirement or permanent disability, although this will be of a non-contributory nature. These benefits protect citizens when they are in a situation of financial need and lack resources, of course, as long as they meet the requirements of age, disability, income and residence in Spanish territory. These requirements continue to apply after the benefit is approved and the Non-compliance may lead to a temporary withdrawal of the pension until the situation is regularized. Specifically, Mapfre in its blog “Retirement and Pension” compiles the assumptions that can lead to losing a non-contributory pension.
Exceed the income limit
The main reason for which a non-contributory pension can be withdrawn is exceed a certain income threshold, that depends on the family unit, that is, that the family situation and the number of people who live with the recipient are taken into account.
Social Security understands that there is not enough income when personal income for the entire year is lower to 6,402.2 euros per year. In addition, in case of living with other relatives, the total income of the family unit will be taken into account.
Specifically, this amount increases to 11,533.72 euros per year in the case of two people living together, 16,282.90 euros for a group of 3 people or 21,032.08 euros if the family group is four. It must also be taken into account that the limit also varies depending on the degree of consanguinity with the cohabitants. If children or parents are included in the unit, these limits increase to the following extent: 28,834.30 euros for two cohabitants; 40,707.25 euros for three and 52,580.20 euros for four cohabitants.
Not declaring the income per unit of coexistence
Los pensioners have the obligation to declare the income of the entire cohabitation unit during the first three months of the yearTherefore, if they do not do so, they are exposed to the suspension of the non-contributory pension. However, they can retrieve it when reported to them.
Not reporting changes in your personal situation
In line with the previous cause, if your situation changes and you do not inform, they can withdraw your non-contributory pension. “This affects things like you marital status, the unit of coexistence or your place of residence. For this reason it is common to think that if I get married I will lose my non-contributory pension, when in reality it is not so. You will only do it if you do not report or if after getting married you no longer meet the requirements,” Mapfre explains on his blog. In addition, if you have not reported a change and have overpaid or were not entitled to receive the non-contributory pension, you will They can get that money back.
Change of occupation of the beneficiary
Finally, you also have to know that The National Institute of Social Security can investigate the beneficiaries of the pensions and withdraw their benefits if it detects any irregularity or data without notifyingsuch as a job change. However, although it is important to report these changes, the non-contributory pension will only disappear if the income level established by law is exceeded.
What to do if my non-contributory pension has been withdrawn?
Mapfre explains that the The solution is to request it again, making sure that you meet the requirements to collect it. “If you have not reported the income of the family unit, do so and the same applies to any change in your personal situation,” adds the insurer.
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