Recientemente circula una información sobre la reforma previsible de pensiones. Se está hablando mucho en estos últimos días aunque sigue pendiente de publicación y aprobación parlamentaria. Dicha reforma se pretende aprobar antes de que termine el año para que tome efecto 2022.
¿Cuál es la situación actual?
En 2022 la edad ordinaria de jubilación será 66 años y 2 meses para aquellos que hayan cotizado menos de 37 años y medio, pero podrán jubilarse con 65 años si tienen cotizados más de 37’5 años.
En 2022 será el primer año en el que se tendrán en cuenta las bases de cotización de los últimos 25 años para el cálculo de la pensión.
Este calendario progresivo estableció que en 2027 la edad ordinaria de jubilación para un trabajador con menos de 38 años y 6 meses será 67 años y si tiene más años de cotización seguirá siendo 65 años.
¿Cuáles son las NOVEDADES PREVISTAS para 2022?
En la línea de las últimas reformas, se prevé seguir en la línea de retrasar la edad de jubilación y aumentar los años de cotización a tener en cuenta para determinar la cuantía.
Algunas de las novedades que se plantean para la siguiente reforma serían:
- Jubilación anticipada voluntaria
Se ha propuesto que los coeficientes reductores de la jubilación anticipada voluntaria sean mensuales y distintos dependiendo de los años cotizados del trabajador en el momento de la solicitud.
Actualmente una persona con 63 años y más de 38,5 años cotizados pero menos de 41,5 años cotizados, tiene una penalización de un 15% (1,875% por trimestre), con la nueva reforma el coeficiente de reducción pasaría a ser el 19%.
Al ser “mensual” el porcentaje de reducción hay que tener en cuenta que solamente con esperar un mes puede que se beneficie de un porcentaje de reducción mucho menor.
Por ejemplo en el caso anterior, esperando 1 mes en lugar de reducirse un 19% se reducirá un 16,5%
- Alargar la vida laboral
Incentivos planteados:
1/. Un 4% adicional por año extra trabajado.
2/. Un pago único de casi 11.000 euros por año de demora para vidas laborales que se prolonguen más allá de los 44 años y medio cotizados, y mayor si superar ésta.
3/. Una combinación entre ambas
- Revalorización de las pensiones
Tomando como referencia el IPC medio del año anterior, si éste fuese negativo el importe de las pensiones no se incrementaría.
(Actualmente las pensiones se revalorizan con el IPC estimado, de manera que por ejemplo en 2020 las pensiones se revalorizaron un 0,9% (IPC estimado), si bien en ese año el IPC real fue negativo (-0,5%)).
- Además se plantea modificar otras modalidades de jubilación: la jubilación flexible, jubilación activa… etc.
Digamos que todos estos cambios complican aún más los cálculos para determinar las pensiones.
En la asesoría TAGSE podemos ayudarle a simular su pensión de jubilación futuras a través de ficticios de la Seguridad Social para aquellos que se encuentran a menos de 2 años de la jubilación y, para aquellos que se encuentran a más de 2 años de la jubilarse, realizamos un estudio personalizado de jubilación más completo que permite anticiparse a esta situación u otras similares como la invalidez.
¿Hay algún cambio sobre los planes de pensiones?
Además de estas novedades, se ha aprobado ya una bajada de nuevo del limite de aportación a los planes de pensiones individuales de 2.000€ (recién reformado y límite en 2021) a 1.500€ que será el límite 2022
En cuanto a los planes de pensiones de empresa, este límite se incrementará de los 8.000€ actuales a 8.500€ en 2022
Es este caso se beneficia a los planes de empresa a los que puede acceder cualquier empresario y autónomo con empleados a su cargo.
Desde TAGSE estudiamos cada caso y ofrecemos diferentes opciones a los empresarios interesados en conocer estos sistemas de empresa y también contamos con interesantes condiciones para planes de pensiones individuales.
Si necesitas más información puedes llamarnos o venir a visitarnos sin ningún tipo de compromiso.
48 comentarios en «La reforma prevista de las pensiones y las dudas que genera»
Gracias por compartir las modificaciones sobre los planes de pensiones en este 2022 y todas las novedades. Ayudáis a los usuarios a entender mejor este concepto.
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