With the reduction of the income limit which also gives the right to collect family allowances The financial and socioeconomic requirements to access the pension are reduced through a moratorium or pension debt payment plan. The income limit drops from $1,980,000 to $1,077,403.
In any case, the government is studying the cancellation of the ongoing moratoriums – a decision that requires the approval of Congress – and that Those who do not have the years of contributions retire with new requirements through the PUAM (Universal Pension for the Elderly) with the plan of 80% of the minimum assets.
Meanwhile, the various requirements of the current moratorium are linked to the income limit for accessing family allowances, according to the joint ANSeS/AFIP Resolution n. 5345/2023-,
And when that limit was reduced from $1,980,000 to $1,077,403, as reported Clarion, socioeconomic assessment requirements decrease. In 2023, 396,330 people retired due to the moratorium.
These requirements are:
- Average monthly gross income over the last twelve months: It is not possible to exceed the current limit for accessing family allowances, which has dropped from 1,980,000 dollars to 1,077,403 dollars.
- He average monthly spending and consumption of the last twelve months preceding the date of the evaluation cannot exceed 80% of this limit.
- The asset manifestation in the sworn tax declarations Personal property It cannot be greater than 2.4 times the annualized amount expected for access to family allowances.
- Nor could you have a car whose value exceeds the annualized amount of that income. Furthermore, it is not necessary to register the possession of aircraft or boats over 9 meters in length.
With decree 173/2023, however, those who enter the moratorium “They will not be able to access the foreign exchange market for the purpose of obtaining foreign currency for a period of 12 months, counted from the date of the application, as established by the explanatory and complementary rules.
The law on the moratorium for people of retirement age allows this regularize the missing periods until December 2008 (inclusive) to reach 30 years of contributions. They can do this by applying an installment payment arrangement which is deducted directly from the retirement income they earn. The number of installments can reach up to 120.
It is aimed at people who have reached retirement age (60 for women, 65 for men), who do not have or will not have 30 years of contributions to start the retirement path initially planned for the next 2 years.
The debt relating to the monthly payments to be regularized through the moratorium is calculated according to the so-called “Pension Debt Payment Unit”, the value of which is equal to 29% of the minimum salary tax base in force on the date of the moratorium request. pension allowance, multiplied by the monthly payments due. For example, this total divided by the 120 months results in the amount to be deducted from the credit.
But that amount that will be paid “will only be used” to access the pension. It will not affect your credit, That will be calculated on the basis of the contributions actually received without moratorium, with the minimum retirement guaranteeminus the moratorium fee, plus possibly a bonus.
Meanwhile, workers who are 10 years or less away from retirement age (60 years for women, 65 years for men) and know that they will not have the 30 years of contributions needed to access pension rights, can take a turn to pay off the debt in installments for the months and years without contributions before March 31, 2012, so as to have 30 years of contributions at the time of retirement.
Source: Clarin
