Monday, the first day of the moratorium for pensioners who do not have 30 years of contributions, 2,290 people started the process which will allow them to enter the Pension Debt Payment Plan, recently approved with Law 27.705.
With the moratorium, those who do not reach 30 years of contributions have the possibility of regularizing their pension debt and accessing the pension up to 120 installments.
Anses reported that those who want to request a shift must enter with a social security code on anses.gob.ar; Rounds and select the option For Retirement Debt Payment Plan – Retirement Advice.
The benefit reaches women aged 60 or over and men aged 65 or over and in both cases they will be able to regularize missing periods up to and including December 2008.
The agency indicated that “the pension debt payment schedule is incompatible with other moratoriums pensions not paid by 31 December 2021”, and that “the amount to be deducted cannot exceed 120 monthly installments or 30% of the minimum outstanding credit”.
In addition, in order to access the moratorium, it is necessary to complete a socioeconomic assessment that ANSeS and AFIP will carry out to establish whether the installments to be paid are deductible from the pension credit or whether the total debt must be paid in a single solution.
In order to be able to pay by installments, the applicant must:
- Having a Gross Income Average monthly below current limit for child support or minimum wage eligibility (currently $404,062) in the last 12 months prior to the assessment date.
- He expenditure and average monthly consumption must not exceed 80% of the current limit for child benefit entitlement, i.e. $323,249 (0.80 x 404,062) averaged monthly for the last 12 months prior to the assessment date,
- patrimonial manifestation in the personal property tax affidavit that does not exceed 2.4 times the annualized amount of income of the former, which equals $11,636,985 (404,062 x 12 x 2.4) without considering one’s home (“household” ).
- Automotive sector: do not exceed possession of assets declared by the National Directorate of National Automotive Property Registries once the annualized amount of the above income (404,062 x 12): $4,848,744. Do not register the possession of assets reported by the National Civil Aviation Administration, nor the possession of vessels longer than 9 meters reported by the Argentine Naval Prefecture.
The installments that must be paid for the months during which people have not had contributions are calculated according to the so-called “Pension Debt Payment Unit”, the value of which is equal to 29% of the minimum taxable base of wages currently in force. of the application for the pension benefit. Today, it’s $5,729.97 a month. For example, one or more installments may be paid per month, depending on the payment plan chosen.
But that tax that will be paid, it will only be used to access the pension. It will not affect credit, which will be calculated on the basis of the contributions actually paid without a moratorium.
In other words, those who retire with the moratorium will have a “discount” from retirement because he will only receive the conferred years and will also have the rent discount credited during the months or years of the duration of the moratorium.
All the requirements to access the ANSeS moratorium
To enter the retirement debt payment plan, applicants they will not be able to buy foreign currency through the foreign exchange market for a period of 12 months, counted from the date of application.
The amount of the tax cannot exceed 30% of the minimum credit ($58,665.43), or $17,600.
If it exceeds these parameters, The moratorium can only be accessed if the debt is canceled “in a single solutionwhich will not be deductible from the pension credit”.
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).
Those who have pension debts like autonomous or monotributary They can enter the moratorium, subject to the remission of that debt. Then they would report the months not worked and the months worked and unpaid because that debt would be forgiven. The amount of the moratorium installment may be less than the pension debt.
A person retired widow, those who receive 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, will be able to 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.
For example, a 66-year-old pensioner who receives the minimum pension on the death of her spouse, and has 5 years of effective contributions and 2 children, could regularize 20 years by moratorium. She would retire with the minimum amount and $11,460 (adjustable for mobility) would be deducted for 120 months.
Anyone who receives a pension exceeding the minimum amount can also retire by paying the moratorium in cash.
Those who charge the Universal pension for the elderly (PUAM) – more than 250,000 people – can improve the amount of their salaries and other conditions of the pension benefit if they replace it with a pension by accessing the moratorium.
Source: Clarin
