In Spain, accessing a retirement pension usually requires having contributed to the Social Security System during a minimum of 15 yearswith at least two of them located in the period immediately prior to the request for the provision. This restriction leaves out people who, for different circumstances, They have not been able to reach that minimum throughout their working life.
For situations where the price has been non -existent or insufficient, the Spanish system offers the Non -contributing retirement pension. This mechanism seeks to guarantee minimum income to Those who have no resources nor the right to the contributory option, thus facilitating basic protection during old age.
Requirements to access the non -contributory pension
The non -tax retirement pension is subject to a series of conditions aimed at covering only cases of authentic need:
- Age: It is essential to be at least 65 at the time of the application.
- Residence: It is required to have legally resided in Spain a minimum of 10 yearscomputed from 16 years to the date of the application. In addition, at least two of those years must be consecutive and immediately before when asking for the pension.
- Income: The applicant It should not exceed 7,905.80 euros per year in own income by 2025. This amount is adjusted if the person lives with relatives, increasing the maximum income threshold to reflect the size and relationship within the family unit. For example, with two cohabiting the limit is 13,439.86 euros; for three, 18,973.92 euros, and so on. If the cohabiting ones are parents or children, the limits are significantly higher, adapting to the uniqueness of each family nucleus.
Amount and conditions to maintain the benefit
The maximum amount of the non -contributing pension in 2025 is set at 7,905.80 euros per year, distributed in 14 monthly payments. The amount received may decrease if the beneficiary has additional income, but a stable minimum is always guaranteed.
To preserve the right to this pension, It is mandatory to present every year, during the first quarter, a declaration of income. Through this procedure, Social Security verifies that the conditions that led to the recognition of the benefit continue to be satisfied.