La Seguridad Social confirma: a partir de 2027, la edad de jubilación anticipada voluntaria será de 65 años salvo que tengas 38 años y 6 meses cotizados

La Seguridad Social has announced that starting in 2027, the age for voluntary early retirement will be 65 years old, provided the individual has 38 years and 6 months of contributions. This change aims to maintain full pension benefits without a reduction. The modification completes a progressive schedule approved during the socialist government's Ley 27/2011, which aimed to increase the ordinary retirement age and required contribution period to prevent reductions.

The increase has been implemented gradually since January 1st. Employees who do not accumulate 38 years and 6 months of contributions will need to wait until they are 67 years old to access ordinary retirement with 100% of their pension. Those who wish to retire before this age without contributing throughout this time will see their pension reduced, regardless of their age.

The other significant change taking effect on January 1st, 2027, affects the calculation of the full pension. Besides age, the number of years of contributions needed to receive 100% of the regulatory base also varies. From December 2026, this threshold increased to 37 years. Anyone who reaches only 36 years of contributions will receive 99% of the regulatory base instead of the full amount.

For those who choose to retire early, the regulation requires the worker's age to be at most two years below the minimum retirement age they are entitled to. Starting next year, it will be necessary to be 65 years old to access early retirement if they do not meet the 38 years and 6 months of contributions, or 63 years if they have completed that period.

Another requirement adds that the individual must have accumulated a minimum of 35 years of contributions in the system. They also need to have been registered in the Social Security system for at least two years within the 15 years preceding the date of benefit application. The final adjustment affects the dual calculation regime for pension.

The method for determining the amount of pension received will follow the deployment of the dual regime introduced this year by the Social Security. The novelty allows pensioners to choose between two calculation formulas: the traditional one based on the last 25 years of contributions, or an expanded option that excludes the worst months of contributions within that period.

This additional term extends by four months compared to the previous year. The average pension amount stands at 1,374.6 euros per month, a 4.6% increase from the same month last year. For retirement pension, the average amount reaches 1,576.1 euros per month, having grown 4.5% in terms of year-over-year increase. These benefits represent more than two-thirds of all pensioners, according to data from the Ministry of Inclusion, Social Security, and Migrations. For self-employed workers, the pension stands at 1,062.8 euros, which is 672 euros less.