Those who resort to moratoriums a complete 30 years of contributions they retire with inferior goods to those who have contributed 30 or more years of contributions. In a television interview, President Javier Milei said they earn the same.
According to the Social Security Bulletin, in December 2023 the average assets of pensioners under moratoriums was $171,058, while for those who contributed for 30 or more years the average was $270,559. On average, They earn 37% less. You owe that $171,058 discount the moratorium fee, which can increase the difference by up to 50%. .
Why these differences? The moratorium allows you to regularize the missing periods up to and including December 2008, assuming this debt through the application of an installment payment method which is withheld directly from the pension income earned. The amount of the installments It can last up to 120 months and can reach up to 30% of the assets.
Those who find themselves in a situation of social vulnerability can access this pension through a moratorium.
This means that, from the resulting income, they generally receive the minimum amount, a monthly installment which can be extended for 10 years and which can be equivalent to up to 30% of the amount deducted from the pensioner due to the moratorium.
The fees to be paid for the months to be regularized are calculated based on the announcement “Pension Debt Payment Unit”, the value of which is equal to 29% of the minimum tax base in force on the date of requesting the pension benefit. But that portion that is withheld from the pensioner due to the moratorium will “only be used” to access the pension. It will not affect the credit, which will be calculated on the basis of the contributions actually received without a moratorium.
In other words, those who retire under the moratorium will have a “double discount” on your pension because even if you pay the debt, the assets are calculated in the contribution years without a moratorium and you will also have the discount of the installment on the assets in the months of the payment plan.
Those who are retired with 30 or more years of contributions and receive the minimum pension are entitled to 82% of the minimum, living and moving wage. Those who retired due to the moratorium do not have this right.
For example, ANSES reported that in March “those who earn a minimum salary and have credited 30 years of effective contributions without a moratorium will receive, together with the salary and bonus, a supplement equal to 82 percent of the Minimum, Vital and Rolling salary of $31,851. This means that in March they will receive 236,296 pesos (134,445 pesos if there is a minimum + $70,000 bonus + $31,851 supplement).” Those who retired due to the moratorium receive ($134,445 credit + $70,000 bonus minus the moratorium fee, which can be up to approximately $40,000).
Those who do not request the moratorium and do not reach 30 years of contributions can retire at 65 (both women and men) by accessing the PUAM (Universal Elderly Pension) with the payment of 80% of the minimum wage, if applicable, is in a situation of social vulnerability, without the right to a widow’s pension.
Both the PUAM and the moratorium retirement sthey are patches due to the very high degree of informality that the active population has in Argentina. Currently, just over 12 million self-employed and employed workers contribute to social security, while another 8 million work informally.
Without Puam or the pension moratorium, those 8 million They could not retire even with a minimum salary lower than that of otherswhich would create a more burdensome social situation than the current one.
From this it follows that the crisis of the social security system goes beyond pensions and is fueled by the enormous informal work that covers 40% of the workforce. This informality is the primary responsibility of employers and the state, which does not control employment registration.
Source: Clarin
