Women: how to retire by taking advantage of the extension of the moratorium

Women who do not have 30 years of compulsory contributions but are of retirement age, pcan take advantage of the extension of the moratorium whatThe Government decided on Monday, 5 days from the deadline, this Saturday 23.

The extension of the deadline will surely be up to the approval of the Congress andl “Payment of the social debt” project. which will replace the moratorium, which it already has Sanction of the Senate.

How does the moratorium retire?

Most retired women do so due to the current moratorium (law 26.970) which allows those who have between 60 and 64 they turn 30 contributions for non-regularized services from the age of 18 until December 2003.

Due to the moratorium, women can retire at the age of 60 (born in 1962) by regularizing their contribution years until 2003.

Thus, a woman who turned 18 in 1980 can justify 23 years of contributions e 7 years must elapse between actual contributions after that date e care services (sons).

It is reserved for women aged 60 and under. It covers from January 1, 1955 to December 31, 2003 and from 18 years of age. Debt is paid in cash or in a plan of up to 60 installments, adjusted quarterly by the mobility index.

According to social security data, in 2021 222,805 people retired using the moratorium and between January and May of this year, 96,193 people, in both cases almost half of the total pension enrollments.

In turn, «the average of the first 3 months of 2022 shows that the 65% of pension registrations corresponded to benefits due to the moratorium (of which three quarters by Law 26,970 and the rest by Law 24,476) ”, according to an ANSeS Report.

The Report also specifies that, if the current moratorium is not extended or a new one is approved, nine out of 10 women between the ages of 55 and 59 and seven out of 10 men between the ages of 60 and 64, upon reaching retirement age (60 for women, 65 for men) they will not be able to retire because they will not reach 30 years of required contributions.

To a greater extent, women are more affected by unregistered work and unemployment.

another moratorium

Meanwhile, men and women have another moratorium law (law 24,476), which it is permanent and allows the regularization of services until 30 September 1993. is more difficult access because it implies regularizations less years of unearned contributions.

The bill sanctioned by the Senate is intended for people who have already fulfilled or who will reach retirement age in the next 2 years (60 years for women / 65 years for men) and do not have 30 years of contributions.

Allows you to adjust for missing periods until December 2008 through the purchase” of the remaining years, which will be deducted up to 120 installments of the retirement credit obtained.