On Tuesday, September 22, the Congress of Deputies admitted the bill that seeks to eliminate pension reduction coefficients when early retirement is requested. Specifically, the measure wants these penalties to disappear in the case of having 40 or more years of contributions, as provided in the proposal presented by Podemos.
This proposal was presented on November 13, 2025 and approved with 180 votes in favor and 170 abstentions. However, it was not until last Tuesday that Congress debated whether the proposal would move forward. The result was 178 votes in favor, 136 abstentions and 33 votes against, so the text will continue with its parliamentary processing until its possible entry into force.
Although the news has been well received by associations such as Asjubi40, which presented 200,000 signatures to Congress to demonstrate popular support for this elimination, it has not yet been formalized. As the Social Security official, Alfonso Muñoz, explains, “we are facing an important step, but we are not at the end of the road yet“.
It does not yet involve the elimination of reducing coefficients
The approval of the proposed law does not automatically mean that those people who are harmed by these reducing coefficients or those who are going to request early retirement from that day on can access a revaluation of their pension. But it supposes the possibility that “that elimination could finally become law”remembers Muñoz.
The result of the Congress vote has marked the beginning of the legislative processing of the proposal. A text that proposes the elimination of pension reduction percentages for those who access retirement early, even if they have been contributing for 40 years or more. Likewise, this deletion would have a retroactive effect, so those who are already harmed by the reducing coefficients They could request the recalculation of their benefit.
However, during the legislative process its content may be modified and exclude or include other provisions, as the official warns. This is because, during the processing, “a corresponding period will be opened for parliamentary groups can present amendments to the text“summarizes Muñoz. These amendments may both extend or reduce the minimum contribution period, as well as establish different conditions to access the elimination of coefficients, among other options.
The content of the proposal can be modified
The content of the proposal and the application of the amendments will be studied by the presentation and the corresponding commission; The result will be the preparation of a definitive text, which must be put to a vote again in the plenary session of the Congress of Deputies. “That’s when deputies will have to vote on the legislative text that has resulted from all that parliamentary processing,” explains Alfonso Muñoz.
If the text is approved, it will go to the Senate, which must also begin its own parliamentary processing and may undergo some modification. According to the official, if no changes should be made, the law will be published in the Official State Gazette. coming into force 20 days after publicationunless the standard indicates a different period.
However, if the Senate decides that any change must be made before it comes into force, it will be put to a vote again in the Congress of Deputies. If this approves it, it will be published in the BOE. “It will be then and not before when we can talk about a new regulation with legal effect“Muñoz recalls.
Attention should be paid to debates and amendments
For all these reasons, although the approval of the bill has not meant the immediate elimination of coefficients that affect nearly 900,000 pensioners, according to the Asjubi40 association, “something has been achieved that for a long time seemed difficult and that is for the proposal to enter the legislative procedure, can be debated, modified and finally voted as law“.
Despite this, the Social Security official recalls that attention must still be paid to the possible debates and amendments that may arise around this proposal. All with the intention of eliminating the reducing coefficients of the pension for early retirement that are penalizing the amount received despite having 40 or more years of professional career and quotation.