As of January 1, 2026, Social Security will apply important changes in the Retirement pension calculation aimed at improving the situation of those who have had to stop quoting to take care of their children. The objective of the new regulations is to reduce the impact of the raising of children on the calculation of pensions. The Intergenerational Solidarity Observatory esteem that retired women charge an average of 18% less pensions than their male counterparts due to the effect of the Children’s upbringing In his professional career.
The reform is collected in the Royal Decree-Law 2/2023which establishes new measures to compensate for periods without contribution in the calculation of bases of Quotation for retirement and will benefit both parents and mothers who have had interruptions in their work career for the care of their children.
Integration of contribution lagoons. Social security may compensate for the months in which a person has not quoted “filling” those periods without contributions with a Minimum contribution base (At present, this base is 1,323 euros per month), in order to prevent these periods from significantly criminalize the retirement or disability pension.
For Calculate the pension The contribution bases of the last 25 years are considered, and if there are months without quoting, they can be replaced by a minimal contribution base. However, this compensation only applies 100% in a maximum of 48 months in which parental care can be accredited. For additional months, the minimum base is counted only at 50%.
Maternity penalizes women more. According to They point from the INEthe employment rates of women between 25 and 49 years with children under 12 are under employment rates of women of the same age without children. With the entry into force of the new review formula for contribution lagoons, women who have had children can benefit from up to 60 months at 100% and 24 months additional to 80% in periods without quotation related to maternity or care.
Such and as they highlight from Capmany AbogadosParents may also be accepted to this measure if they meet certain conditions related to the birth or adoption of children and reductions in their contributions. If the son was born or was adopted before 1994, more than 120 days will be necessary without quoting between the previous nine months and three years after birth or adoption.
For births or adoptions after 1995, the contributions have been reduced in the 2 years after birth have been reduced by a reduction in working hours, for example) with respect to the previous 2 years.
The self -employed stay out. The correction measure will not affect the self -employed professionals that remain Out of this compensation measure for the raising of children. However, from the reform that was applied on March 18, 2023, self -employed can enjoy the integration of lagoons into the contribution by filling the time not quoted with a base of 960.60 euros.
The only nuance is that the measure is disconnected from the raising of the children and can only be applied if the lagoons are in the six months after an activity cessation. If during the quoted life there are several cessations of activity and in them there are lagoons, it can be applied to each of them to calculate the retirement pension.
In Xataka | Spain has turned paternity into a poverty risk factor: raising a child costs 758 euros per month
Image | Unspash (Julian Hochgesang)
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