Ключевые моменты
- Starting from August 28, self-employed retirees can work while receiving a 25% pension, provided they were not self-employed three years ago.
- In flexible retirement, as working hours increase, the pension rate decreases; working between 55% and 80% yields an extra 25% pension.
- The 3-year prior self-employment requirement introduced by the reform has been criticized by UPTA as discriminatory against those who have been self-employed for a long time.
- Voluntary retirement delay rose from 4,8% in 2021 to 10,9% in 2025, and the average retirement age has reached 65,4 years.
В цифрах
Starting from August 28, self-employed retirees in Spain can, provided they were not self-employed three years ago, resume work while receiving a 25% pension under the flexible retirement scheme. This right was previously granted only to salaried employees; with the reform, self-employed workers can now also benefit from this advantage.
In flexible retirement, as working hours increase, the pension rate decreases proportionally. For those working between 55% and 80%, an extra 25% pension is added; for those working between 33% and 55%, an extra 15% pension is added. Furthermore, the advantages obtained through the complémento related to retirement delay have also been revised, introducing a requirement that at least two full years be counted as half-time.
The 3-year prior self-employment restriction introduced by the reform has been criticized by UPTA as discriminatory against those who have been self-employed for a long time. Statistics show that voluntary retirement delay rose from 4,8% in 2021 to 10,9% in 2025, and the average retirement age has reached 65,4 years, indicating a trend toward extending working life.
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Часто задаваемые вопросы
- Who can benefit from this new flexible retirement?
- Self-employed retirees who were not self-employed three years ago and have reached retirement age can work while receiving a 25% pension.
- How does working hours affect the pension amount?
- As working hours increase, the pension rate decreases; an extra 25% pension is added for those working between 55% and 80%, and an extra 15% pension for those working between 33% and 55%.
- What are the criticisms of the reform?
- UPTA criticizes the requirement to have been non-self-employed for the past three years, arguing it excludes long-term self-employed individuals and opposes the reform.
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