{"id":24535,"date":"2025-02-04T13:32:38","date_gmt":"2025-02-04T12:32:38","guid":{"rendered":"https:\/\/addwill.eu\/?p=24535"},"modified":"2025-02-04T13:32:38","modified_gmt":"2025-02-04T12:32:38","slug":"retirement-reforms-new-options-for-partial-active-and-delayed-retirement","status":"publish","type":"post","link":"https:\/\/addwill.eu\/en\/retirement-reforms-new-options-for-partial-active-and-delayed-retirement\/","title":{"rendered":"Retirement reforms: new options for partial, active, and delayed retirement"},"content":{"rendered":"<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">With the approval of <strong>Royal Decree-Law 11\/2024<\/strong>, Spain has introduced <strong>significant changes to its retirement system<\/strong>. These reforms, set to take effect on <strong>April 1, 2025<\/strong>, aim to provide greater flexibility in retirement options and encourage workers to stay in the labor market longer.<\/p>\n<p style=\"text-align: justify;\"><strong>Partial retirement: more accessible, but with some restrictions<\/strong><\/p>\n<p style=\"text-align: justify;\">The new law allows employees to retire partially up to three years before the official retirement age, if they reduce their working hours by 20% to 33% in the first year. Over time, they can gradually reduce their workload to 75%. While this makes early retirement more feasible, it also comes with stricter initial conditions compared to previous rules. Additionally, the requirement to hire a replacement worker has been removed, except in specific cases.<\/p>\n<p style=\"text-align: justify;\">To qualify for partial retirement, employees must <strong>meet the following<\/strong> <strong>conditions<\/strong>:<\/p>\n<ul style=\"text-align: justify;\">\n<li>At least 33 years of contributions (or 25 if they have a disability over 33%).<\/li>\n<li>A full-time permanent contract.<\/li>\n<li>At least six years of continuous service with their current employer.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Employers, on the other hand, must keep replacement contracts in place for at least two years after an employee takes partial retirement.<\/p>\n<p style=\"text-align: justify;\"><strong>Active retirement: work while receiving a pension<\/strong><\/p>\n<p style=\"text-align: justify;\">One of the biggest changes is the removal of the requirement for a full contribution career. Now, if you have at least 15 years of contributions\u2014the minimum needed for a contributory pension\u2014you can apply for active retirement. This change particularly benefits workers who have gaps in their contribution history.<\/p>\n<p style=\"text-align: justify;\">However, the percentage of your pension you can receive depends on how long you continue working after reaching retirement age:<\/p>\n<ul style=\"text-align: justify;\">\n<li>1 year: 45%<\/li>\n<li>2 years: 55%<\/li>\n<li>3 years: 65%<\/li>\n<li>4 years: 80%<\/li>\n<li>5 years or more: 100%<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">For self-employed workers, the percentage is 100% if they have employees and 75% if they work alone. This new flexibility allows people to continue working while drawing up part of their pension.<\/p>\n<p style=\"text-align: justify;\"><strong>Delayed retirement: incentives to keep working longer<\/strong><\/p>\n<p style=\"text-align: justify;\">The reform also strengthens incentives for employees who choose to work beyond the standard retirement age. Workers who delay their retirement can receive a higher pension, a one-time bonus, or a combination of both. These benefits can also be combined with active retirement, making it an attractive option for those who want to keep working while maximizing their pension benefits.<\/p>\n<p style=\"text-align: justify;\">These changes aim to strike a balance between ensuring the financial sustainability of the pension system and giving workers more flexibility in how and when they retire.<\/p>\n<p style=\"text-align: justify;\">If you have any questions, feel free to contact our <strong>addwill<\/strong> labor department at laboral@addwill.eu, by phone at +34 934 875 200, or by <a href=\"https:\/\/addwill.eu\/en\/contact-us\/\"><em>clicking here<\/em><\/a>. We will be happy to assist you.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; With the approval of Royal Decree-Law 11\/2024, Spain has introduced significant changes to its retirement system. These reforms, set to take effect on  [&#8230;]<\/p>\n","protected":false},"author":12,"featured_media":24527,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1034],"tags":[],"class_list":["post-24535","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-laboral-en"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/addwill.eu\/en\/wp-json\/wp\/v2\/posts\/24535","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/addwill.eu\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/addwill.eu\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/addwill.eu\/en\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/addwill.eu\/en\/wp-json\/wp\/v2\/comments?post=24535"}],"version-history":[{"count":2,"href":"https:\/\/addwill.eu\/en\/wp-json\/wp\/v2\/posts\/24535\/revisions"}],"predecessor-version":[{"id":24537,"href":"https:\/\/addwill.eu\/en\/wp-json\/wp\/v2\/posts\/24535\/revisions\/24537"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/addwill.eu\/en\/wp-json\/wp\/v2\/media\/24527"}],"wp:attachment":[{"href":"https:\/\/addwill.eu\/en\/wp-json\/wp\/v2\/media?parent=24535"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/addwill.eu\/en\/wp-json\/wp\/v2\/categories?post=24535"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/addwill.eu\/en\/wp-json\/wp\/v2\/tags?post=24535"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}