The relationship between pensions and contributions
Pensions are based on the amount of years and the amount of the contributions made during the working life. However, many workers experience interruptions in their career, which can be caused by various reasons such as unemployment, labor changes or even the decision to stop carrying out an activity.
Impact of gaps on quotation
Interruptions in contributions, known as gaps, may have a negative effect on the amount of the pension when it comes to retirement. Its influence varies between self -employed and employees. In the case of employees, Social Security implements a system that tries to compensate for these absences automatically, albeit with certain limitations.
Assault Compensation Mechanisms
During the first 48 months without contribution, the minimum contribution base is applied. After this period, the additional months are covered with only 50% of this base, which can significantly reduce the pension.
The situation of the self -employed
Until recently, the freelancers did not have a system established to compensate for their contribution gaps. However, with the new reforms, it is now allowed to integrate the first six months without the minimum base. This emphasizes the importance of carefully planning the stages of inactivity to prevent a significant decrease in future pension.
Solutions to mitigate contribution lagoons
There are several strategies that can help both salaried workers and freelancers manage these lagoons and ensure that their pension is not negative.
Options for salaried workers
Other workers may choose to subscribe special agreements with Social Security. This allows them to continue to voluntarily trace during unemployment periods, an option that is especially beneficial for those with long previous contribution periods that want to maintain their regulatory base.
Alternatives for Autonomous
Freelancers have the opportunity to voluntarily maintain their contribution during moments of inactivity. In addition, they can take advantage of the new measures that allow them to integrate the first six months without contributions, strengthening their long -term contribution strategy.
Final reflections
The management of contribution lagoons is essential to ensure a decent pension for retirement. Both salaried workers and freelancers need to be proactive in their financial planning, taking advantage of the available resources to ensure that their economic future is stable and satisfactory.
