While most have a few years of contributions, women who turned 60 in 2022 and have no contributions, and have had 2 children, They can access the moratorium, discounting the debt from the pension that will be collected and if they comply with the socio-patrimonial assessment. In those cases, they retire with the minimum amount minus the moratorium fee. If they exceed the socio-patrimonial parameters they can also retire, but by paying the debt in cash.
This way, women with little or no contributions do not have to wait until the age of 65 to access the PUAM (Universal Elderly Pension) to collect 80% of the minimum amount.
A woman who turned 60 last year can “buy” the contribution years from when he was 18 (1980) until December 2008. So, justify 28 years and with 2 children, another 2 years can be justified for “care tasks”.
At 61 and with a child, he can already retire justifying 29 years by moratorium plus one year for care tasks.
If you are already 62 years old, without children, you can go into a moratorium for the period 1979-2008: this is 29 years, since in this case every 2 years of age over 60 decreases the requirement of years of contribution by one year. .
At the age of 64, 28 years of contributions are required who can justify them by adhering to the moratorium. With children you have to justify less years.
In these cases, you will receive the minimum gross amount ($58,665) minus the moratorium fee, which cannot exceed $17,600. I would raise in person, and after PAMI rebate, about $40,000. Once the moratorium debt has been cancelled, you will continue to collect the minimum pension.
In cases where these women exceed the parameters of the socio-patrimonial evaluation (such as income, expenses on debit and credit cards, property, cars, etc.) they will also be able to retire but paying off the debt in a single payment.
The installments for each month to be regularized are calculated according to the so-called “Pension debt payment unit”, the values of which are equal to 29% of the minimum taxable base of the salary in force on the date of the request for the pension benefit. Today, it’s $5,729.97 a month.
Thus, whoever justifies 28 years of moratorium, the debt would amount to $1,925,270 (cash), equal to 32 minimum salaries plus the Christmas bonus. And in 120 installments that represents $16,044 a month.
At these ages, these women would not be able to retire on PUAM (Universal Benefit for the Elderly) because they must be 65 to collect 80% of the minimum credit ($58,665 x 0.80): $46,932.
Social security lawyer Adrián Tróccoli adds that “according to statistics from the Ministry of Labour, 90% of women who retire under this scheme will receive the minimum wage for the low contribution density and men who have a higher contribution rate will see a significant improvement compared to the PUAM (Universal Pension for the Elderly)”
While, a worker with an average salary of $200,000 and 13 years of contributions and 2 years of care duties, which can regularize another 15 years through the moratorium, will have an initial credit of $71,837 (35.9% of the updated average 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, having $71,837, discounting the installment (90 plan) would be $60,378 and in the 120 installment plan it would be $63,242.
NS
Source: Clarin
