When the last stage of life is reached, it is logical that the body is not there to continue working much more at the same rate. That is why the Spanish system offers the possibility to these workers to request the retirement pension in order to be able to receive money from the State on a monthly basis as support, as a result of the contributions that have been made throughout the active life.
In the case of being self-employed, you may have many questions about whether you can request this retirement or not. That is why in this article we are going to focus on this group after having explained how to request the contributory and non-contributory pension for those people who have contributed to the general scheme.
The self-employed can have a retirement, and these are the requirements
Despite the fact that all the self-employed do not have a payroll where they can break down the fact of the contribution that is made in common or professional contingencies, month by month You pay a self-employed fee that depends on the contribution base you have. When consulting the receipts for these self-employed contributions, you can see the breakdown of all these contingencies to later calculate the retirement pension.
And it is that this is something that is shared in the general regime as in the RETA: the pension depends on what has been contributed throughout the working lifehe. In this case, most of the self-employed contribute on the minimum base that the legislation allows us, to avoid having to pay a very high fee at the end of each month. But this is a problem, since in the end, having a low contribution base, the pension will not correspond to what has been billed.
In this way, a strategy that is always followed by the self-employed is increase your contribution base in the last 15 years of your active life. ANDThis period of time is important, basically because Social Security does not take into account all the years that have been worked in the active life of the self-employed person and will only compute the last ones. This increase in the contribution can be said to be the main difference that can be made in this area, since in response to this situation the self-employed can also request early retirement. Likewise, the requirements to be taken into account can be summarized as follows:
- Be 65 years or older.
- Reside in Spanish territory and have done so for 10 years.
- Having contributed for at least 15 years as we have previously commented, emphasizing the last years of working life.
- In case you already have 37 years and 8 months of contributions, It will be possible to process retirement at 65 years of age. If this is not the case, you must wait until you are over 67 years of age (a figure that is increasing year after year).
application process
The first thing to do is access the Social Security Electronic Office and have a digital certificate or Cl@ve system. Next, in the upper part, place the mouse cursor over citizens and in the drop-down menu click on pensions.
Among all the procedures that appear on the list, we must click on National Retirement to act on your own behalf, but you can act on behalf of a third person by clicking on National Retirement (as representative).
Identify yourself with one of the systems that are offered, and that we have previously discussed. Your personal information will automatically be loaded in the Your Social Security space. It’s important to put attention on If you are not over 52 years old, you will not be able to start the process, even as a freelancer, and the system will back you out before starting. All the personal data of the person who is going to retire must be filled in with the greatest precision (name, ID, social security affiliation number…).
During the process, a lot of personal information will be required. From the number of people in charge, such as their own children or other relatives, even the labor data such as the last day on which you have contributed and also that your situation is as a self-employed person.
Something really interesting is the type of personal income tax that is going to want to be imposed on retirement in the event that it is contributory. This means that you will be able to choose the percentage of personal income tax that will be entered into the pension each month. Although, this is an amount that can later be returned in the income statement.
From that moment on, the administrative procedure will begin in the General Treasury of the Social Security, which can last for several weeks, although it is normal for it to be granted before a month.