2023-12-26 14:08:04
Domestic work has been one of the most punished sectors for years. However, after years of struggle, domestic workers managed to have a series of basic labor rights recognized, and their working conditions were equal to those of other employed people in the workplace and in the field of security. Social.
One of the rights that domestic employees have is access to a retirement pension, since the Special System for Domestic Employees “provides coverage to people who work and those who employ in the domestic sphere”, generating obligations and guaranteeing a series of rights, as explained by Social Security.
The retirement of domestic employees is equal to that of other workers under the general regime, so the legal age of ordinary retirement in 2024 will be 65 years if they have a minimum of 38 years or more of contributions. However, if they have contributed less, they will have to wait until they are 66 years and 6 months to access their retirement pension.
In addition, these workers have the option of retiring up to 24 months before the ordinary legal age in the case of voluntary early retirement, that is, from the age of 63 as long as they have contributed for a minimum of 38 years or at 64 years and 6 months if less has been quoted. In the case of involuntary or forced early retirement, the professional retirement age can be advanced up to 48 months, that is, from the age of 61 if contributions have been made for 38 years or more or to 62 years and 6 months, if not. has reached that contribution figure.
Therefore, domestic workers may receive early retirement if they “compute contributions in the General Regime” and if they have contributed for a minimum of 15 years, two of which must be included within the 15 years prior to requesting the pension.
Early retirement amount
Although Social Security establishes maximum and minimum retirement pension amounts, those domestic workers who decide to retire early should know that this option entails penalties such as reduction coefficients for early retirement or voluntary retirement. The applicable coefficients according to the months of advance payment and the years of contributions can be consulted in these tables prepared by BBVA.
If retirement is brought forward by a maximum of 24 months (2 years) and the person responsible for the pension has contributed for less than 38 years and 6 months, in 2024 the reducing coefficient applicable to people with a maximum theoretical pension would be 5.7%, which It will be reduced to 5.5% if you have contributed for a period equal to or longer than the previously mentioned.
In the event that 41 years and six months have been contributed and retirement is brought forward 2 years, the reducing coefficient applicable to people with a maximum theoretical pension would be 5.3%; while if they have been contributing for 44 years and six months, the reductions will be 4.9%.
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