A person who has income or property that exceed the guidelines of socio-economic assessment can retire but pay the total debt of the moratorium in a single installment. This condition also applies to contributory pensions, for example for widowhood. if they receive a pension above the minimum.
So it appears in the regulation of the Pension Debt Payment Plan (PPDP, the “moratorium”), which also establishes that to enter the moratorium, applicants they will not be able to buy foreign currency for a period of 12 months. And on the basis of a series of parameters (income, assets, spending with debit/credit cards, personal assets, etc.) ANSeS will assess the socio-asset situation of the applicant before granting the benefit.
If you meet these parameters, you can write off the debt for the moratorium years up to 120 installments, deductible from the pension credit. If it exceeds these parameters, You will have to pay off the debt in one installment.
Therefore, those who receive a contributory pension, for example for widowhood, and only the minimum amount, if they are already 60 or over or are about to turn 60 in the case of women or 65 or over for men, can retire through the new moratorium. In that case, you would continue to collect your pension plus retirement minus the moratorium fee for up to 30, 60 or 120 months, depending on your plan.
Meanwhile, if the pension is higher than the minimum amount, you can retire even if you pay the moratorium in one installment.
According to the lawyer Guillermo Jauregui, some of the key points of the regulation are:
- The minimum age required to enter is 60 for women and 65 for men.
- The amount of the tax cannot exceed 30% of the minimum credit ($58,665.43), or $17,600.
- When the person passes the socio-economic assessment guidelines, he can retire but paying the total debt of the moratorium in a single installment.
- When the person receives a contribution benefit higher than the minimum, he can access the plan if he pays the debt in a single installment.
- Each month of the moratorium is $5,729.97. Therefore, who regularizes 10 years, the cost is $687,596 (120 months x 5,729.97). And 20 years would add 1,375,193 (240 months x $5,729.97). These values equate to almost a year or 2 years of minimum earnings (today $58,665 gross)
- People who had opted for previous moratoriums will be able to access the plan if those moratoriums have been canceled as of December 31, 2021.
- The moratorium allows regularization missing periods up to and including December 2008.
In the case of contributory pensions, for example, a 66-year-old pensioner who receives the minimum pension for the death of her spouse, has 5 years of effective contributions and 2 children, could regularize 20 years by moratorium. StHe would retire on the minimum amount and $11,460 (adjustable for mobility) would be deducted for 120 months.
With 10 years of effective contributions and 2 children, and the same age, he could regularize 15 years. He would retire the minimum amount and $8,595 (adjustable for mobility) would be deducted for 120 months.
Again depending on the years paid, through the moratorium one could access a pension higher than the minimum, with the discount of the moratorium quota, and continue to receive the minimum pension.
If the retiree or minimum wage retiree is younger than 60 (women) or younger than 65 (men), they could adjust the remaining years to complete the 30 years by paying a monthly tuition. And when you reach 60 or 65, you could claim your pension, withholding your pension collection.
ANSI extension shifts already enabled on www.anses.gob.ar to carry out the retirement process for moratorium.
Source: Clarin
