Retirements: to access the moratorium you will have to undergo a socio-patrimonial assessment

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To enter the pension moratorium that Congress approved on Tuesday, ANSeS will do it a socio-patrimonial evaluation From the requestor. As with other Social Security benefits, there will be a cap on income, expenses and assets and that data will be cross check with AFIP logs, Real estate and automobile ownership and the banking system, among others.

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So they said clarion in ANSES. “We are working on values, also with other organizations, but it will follow the same logic as other benefits, such as income threshold, expenses and assets”.

With those requirements tries to prevent high-income sectors from accessing the moratorium for whom the pension credit -a monthly income for life- It has no food character.

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Another fundamental fact is that, against the payment of a share that will be withheld from the pension credit, the moratorium “will be used” only to access the pension but not for the calculation of the credit, which will take into account the months or years with contributions actually paid without a moratorium.

so that Those who retire with the moratorium will have a “discount” from their pension because you will receive a credit equal to the years paid and a monthly installment up to 120 months will be subtracted from the credit based on the moratorium plan you choose.

The months or years to regularize with the moratorium must be before December 2008. Therefore, those who have effective contributions after that date can justify the remaining years with the moratorium to complete the 30 years required by the system to access the pension.

At the March values, for an employee with an employment relationship with an updated average gross salary of $200,000 in the last 120 months (average taxable salary of the system), the pension and the shares that will be deducted for accessing the moratorium would be as follows:

With 10 years of contributions and 20 years to regularize for moratorium before December 2008, would retire today with a minimum credit of $58,655 (plus the $15,000 bonus through May 2023). And $11,459 would be discounted in a 120 installment payment plan. The money would be $47,206, almost similar to PUAM’s (Universal Benefit for the Elderly) $46,932, as in both cases they receive the $15,000 bonus.

A worker with 15 years, who can regularize 15 years Through the moratorium, he will have a starting salary of $71,837 (35.9% of the updated median salary). The value of the monthly fee (which is updated quarterly for mobility), assuming a payment plan of 90 installments, will be $11,459. Assuming a 120 installment payment plan, that would come to $8,595. Therefore, the total credit would be $71,837 (he would receive the $5,000 reinforcement). Having discounted the installment (90 plan) it would be $60,378 plus $5,000 income reinforcement and in the 120 installment plan it would be $63,242 plus $5,000 income reinforcement.

An employee with a 20-year employment relationship can regularize 10 years through the moratorium. The starting salary calculation is $86,837 (43.4% of updated median salary). The value of the monthly fee for the 45 installment plan would be $15,280 and with a 60 installment plan it would be $11,459. Therefore, having $86,837 (would receive a $5,000 boost), minus the 45 plan fee would amount to $71,557 plus the boost, and if the rate in a 60-month plan is discounted, the credit would be $75,378 plus the reinforcement.

A worker with a 25-year employment relationship who only needs to regularize for 5 years He would have a starting salary of $101,837 (average updated salary of 50.9%). If you pay in 30 installments ($11,459 each) you will have a credit of $90,378 plus a $5,000 reinforcement. If you pay in 60 installments, each installment will be $5,730 and you will get $96,107 plus the $5,000 reinforcement.

Source: Clarin

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