2023-08-11 00:16:26
Friday, August 11, 2023, 00:16
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One of the objectives of José Luis Escrivá since his arrival at the Ministry of Inclusion, Social Security and Migrations has been to equate the real retirement age with that established by law and, incidentally, to increase the number of people willing to continue working a once this one has been passed. For this, the Government approved in 2022 the increase of 4% of the pension for each year worked more or the delivery of up to 12,060 euros for those who decided to extend their retirement from work. To these incentives, in May of this year, a mixed option was added, which allows you to simultaneously receive a 2% higher benefit and a check of up to 6,030 euros for each year of retirement.
And now so that these possibilities are known, the Ministry invites us through Twitter to “play” with the Social Security pension simulator so that each person can see how their pay would improve if they decide to extend their employment. .
The simulator, which has already received criticism for its unreliability, makes an estimate of our future pension taking into account the information available to Social Security of what we have contributed up to the date we made the request and, from then on A projection is made below which, assuming that we will contribute under the same conditions until retirement, allows us to estimate the amount of our future pay. All this assuming that from now until our retirement the conditions of access or calculation of the public pension do not change.
How to access the simulator
1- The first thing we must do is register our mobile in the Social Security database, a procedure that can be carried out from is link.
2- Once done, you have to access Your Social Security and, first of all, indicate if we want information about our own retirement or about that of a third party of whom we are a representative or proxy.
3- Then, among the means of identification we must choose the possibility of being sent an SMS.
4- Once we have indicated that we want to carry out the procedure from a message sent to our phone, we will be asked for a few basic information (ID, date of birth and mobile number) to be able to send us a security code by SMS. On the next screen they will ask us for the code received and we will access the page where they will perform the calculation.
Calculation of the pension: how to carry out the simulation
When we have accessed the simulator, we will see that, from the outset, it already shows how long we have contributed and what, if there are no news, we must contribute before reaching the legal age of ordinary retirement. At this point is where, in addition to giving us the possibility of consulting our complete history of contributions, we will be able to “play” to extend our working life beyond the legal retirement age. If we are self-employed, we can also check how our pension would be if we change our monthly fee.
In any case, before offering us the result, they will ask us about “situations” that can alter the standard calculation: if we have children, we have had minors in our care, we have requested the supplement to reduce the gender gap, we have a recognized disability , we have developed jobs that allow us to anticipate retirement or if we have worked abroad.
If the answer is affirmative in any of the cases, they will give us the option of entering the data that allows the calculation to be adapted to personal circumstances. If, on the other hand, it is always negative, we must accept it.
There, together with the sum of the days already quoted and those that we will probably still quote, will appear the amount that we will charge. This also appears deflated, that is to say that together with the real amount of the pension we are told how much that money would be equivalent to today taking into account the cost of living. Obviously, it is an estimate since it is impossible to know the evolution of the CPI. In fact, Social Security itself warns that both conclusions are an estimate that, moreover, do not give the right to possible future claims. On the other hand, the amounts shown do not include taxes.
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