How can I get a pension in Spain ?

If you are self-employed or a salaried worker, you are close to 65 years old and you have complied with your Social Security contributions, you can apply for your pension as a senior citizen.

The purpose of the economic benefit that you will receive is to replace the salary that you obtain as a worker with a lifetime pension when, due to your age, you stop working.

What steps do I have to take to obtain my pension?

If you already meet the requirements of the Law, you can submit your application and documentation at the INSS (National Institute of Social Security) Social Security attention and information centers, with the exception of seafarers, who must go to the provincial directorates of the Social Marine Institute.

To initiate the procedures the workers must:

  • Download from the Social Security page the Retirement Application.
  • Attach the requested complementary documentation.
  • Include the Family Book, Civil Registry records or any official certificate that certifies the relationship of the spouse with the pension applicant, this in order to access a supplementary payment that increases the amount of the pension to be received.

In general, the procedure is very simple. If you want to avoid any time lag between the date you stop working and the date you start receiving your pension benefits, you should make your application in good time.

When can I start the paperwork to apply for my pension?

Formal application can be made within 90 days before or after the official date of termination of employment, for workers who are currently in employment.

The maximum retroactivity recognized by Social Security is only 3 months, so it is important that you do not let too much time pass without submitting the application after the cessation of your work.

How long does it take to apply for my pension

A maximum period of 90 days has been established for the process to be resolved and the official notification to the worker interested in the pension application. The average time, according to Social Security statistics, is 19 days.

How much does a senior pensioner get paid?

The pension is paid on the 25th of each month, with two additional payments in June and November. In total there are 14 monthly payments per year that the pensioner receives.

The amount of the pension is revalued at the beginning of each year, according to the Consumer Price Index, CPI. In 2021, payrolls for pensioners experienced an increase of 0.9 %, representing an increase by €10.50, bringing the average pension to €1,177.22.

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