Those who receive the Universal Elderly Pension (PUAM) – more than 250,000 people– they can improve the amount of their assets and other conditions of the pension benefit if they replace it with a pension by accessing the moratorium.
This is specified in the Pension Debt Payment Plan (PPDP) Act passed by Congress.
“If the applicant (of the moratorium) receives an income incompatible with the pension benefit that is recognized to him considering the benefits included in this Plan, he must request the cancellation of the benefit, pension or previous plan he receives in order to access the Program approved here ”, indicates the law.
They have access to the PUAM, with the collection of 80% of the minimum credit, women and men over 65 who do not reach 30 years of contributions. PUAM is incompatible with carrying out any activity in relation to employment or self-employment, the beneficiary must maintain residence in the country and does not give the right to a pension.
Instead, retirement due to moratorium has a floor equal to the minimum credit, and depending on the case, also with the deduction of the moratorium installments (30, 60, 90 and up to 120 months) may be higher than the PUAM value. It is compatible with self-employment or with a dependent relationship, and is perceived by residing abroad. In the event of death, the PPDP generates the right to a pension.
Through the PUAM, current since the beginning of 2018, 279,344 people over the age of 65 have retired, according to social security data as of December 31, 2022.
For example, according to the social security lawyer Andrea Falcone, based on the calculation system developed by the specialist Guillermo Jáuregui: • A 68-year-old man is today accusing the PUAM of $46,932 have contributed for 10 years. With the moratorium I would pay $48,000, subtracting the moratorium fee. Once your moratorium payments are cancelled, you start collecting your full pension.
• With 15 years of contributions, PUAM collects $46,932. With the moratorium I would pay $50,800challenging the moratorium fee and would then collect the full pension.
• With 20 years of contributions, PUAM collects $46,932. If you replaced it with the pension with a moratorium, you would receive $53,790 and then I would collect full board.
• A 66-year-old woman with 2 children and 10 years of contributions receives PUAM of $46,932. With the moratorium, you would receive $50,100, subtracting the moratorium fee.
On the other hand, and as explained clarion, the person who retires due to widowhood, who receives only the minimum amount, if he is already 60 or over or is about to turn 60 in the case of women or 65 or over for men, can retire through the new moratorium. And in that case, you would continue to collect the pension plus the pension, minus the moratorium fee for up to 30, 60 or 120 months, depending on the plan.
AQ
Source: Clarin
