Income options for those who have never paid contributions at retirement age in Colombia
Wichtigste Punkte
- Those who have never paid contributions cannot receive a traditional retirement pension but can apply for social assistance programs.
- The Colombia Mayor program offers government-financed subsidies to the elderly living in poverty.
- Spouses can obtain a joint pension right by combining their individual contribution days.
- The BEPS system is a program where the government makes an additional 20% payment on the voluntary savings of self-employed individuals.
In Zahlen
In Colombia, people who have reached retirement age but have never paid contributions into the system cannot benefit from a traditional retirement pension. Fulfilling the legal age requirement and completing the required number of weekly contributions stands out as an unattainable goal for a large majority of workers.
For individuals in this situation, the government offers a social assistance program called Colombia Mayor. This program provides economic subsidies financed by the national government with the aim of protecting the elderly who have no regular income and are in extreme poverty.
On the other hand, couples who have paid some contributions but have not completed them can apply for the 'family pension' (pensión familiar) system by combining their individual contribution days. For self-employed individuals or those with irregular income, there is BEPS, a flexible and voluntary savings program where the government makes a 20% additional payment.
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Häufige Fragen
- What can someone who has reached retirement age in Colombia but has never paid contributions do?
- These individuals cannot receive a traditional retirement pension, but they can receive income support by applying for government social assistance programs aimed at poor elderly people, such as Colombia Mayor.
- Is it possible for spouses to retire by combining their contribution days?
- Yes, thanks to a legal formula known as 'family pension' (pensión familiar), spouses can combine the contribution days they have paid separately and benefit from a joint pension right.
- What option is available for those with irregular income or self-employed individuals?
- These individuals can join the BEPS (Periodic Economic Benefits) program to make voluntary savings in a flexible way and benefit from the government's 20% additional subsidy on the amount they save.
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