Pension

either you tell him how much money you earn or there is no pension

by

Social Security will apply from 2026 more rigorous control on non-contributory retirement and disability pensions, activating a mechanism already provided for in the regulations. The key is simple: those who do not submit the annual income statement during the first quarter of the year will stop receive your pension until they regularize the situation. In this way, the Administration ensures that all recipients of these aid really continue to meet the economic requirements to receive them. Differences between contributory and non-contributory pension. First of all, it is worth making an important qualification in this new measure. As and how do they clarify from La Moncloa, contributory pensions are granted to those who they have quoted enough throughout their entire working life. The legal age, the years of contributions and the contribution bases determine the final amount of that pension. Once that pension is recognized, the annual personal income they do not modify the law. Instead, the non-contributory pensions They work differently since the beneficiary has not provided prior contributions. They are precisely designed for people who have not had a sufficient working career to access a contributory benefit, or have not contributed directly. In this case, the decisive element is not the working life, but the lack of resources to survive. The system only guarantees this aid as long as the beneficiary can demonstrate that they continue to meet the financial requirements. Social Security improves the verification system. In 2026, no requirement is added that was not already contemplated in the existing regulations, but Social Security has reinforced the mechanism that is responsible for verifying the requirements of beneficiaries. If they cannot be verified due to lack of data, the benefit is no longer paid. He article 368 of the Social Security Law establishes that “the beneficiary must present, in the first quarter of each year, a declaration of the income of the respective economic unit of which he is a part, referring to the immediately preceding year.” That is, the beneficiary of the benefit has the obligation to demonstrate annually that his or her family income meets the requirements to receive it. This certificate must be sent to the Administration through a form available in the IMSERSO portalthe body that coordinates this type of benefits with the different autonomous communities. The regulations leave no room. The existence of the pension depends on the beneficiary periodically demonstrating that he or she is still in a situation of financial need. This is the reason why the system requires that the declaration be delivered during the first quarter of the year. That is, between January 1 and March 31. The failure to comply this procedure It has also been regulated for more than three decades and is included in the article 16.2 of Royal Decree 357/1991. “Failure by the beneficiary to comply with the obligation to submit the annual income declaration will result in the suspension of receipt of the pension.” In other words, if this income is not reported, Social Security will stop paying the benefit. Suspension does not eliminate the right. However, the suspension included in the regulations does not imply the loss of the right to receive it. It means that payments are stopped until the person presents documentation and proves that they meet the requirements. From that moment on, the Administration checks the declared income and, if the requirements are maintained, reactivates the payment of the pension. Reactivation may include payment of arrears, but with a limit: they can only be recovered up to three months prior to the date on which it is regularized. Starting in 2026, Social Security will apply without exception the suspension of payment when the income declaration is not submitted within the established period. It is an operational change, not a legal one. The regulations already existed, what changes is the level of control and monitoring. Hence, the annual declaration is not a formality, but rather a condition for receiving the non-contributory pension. In Xataka | The Government’s latest idea in labor matters: a “flexible” leave that allows you to work at the same time Image | Social Security, Unsplash (Jordy Muñoz)

An Italian man did not want to be left without his elderly deceased mother’s pension. So he started dressing up as her.

by

To the civil registry official the alerts they jumped him quickly. The person in front of me claimed to be an 85-year-old woman, but if you looked closely you detected certain details that didn’t fit. His voice, for example. It was too serious and from time to time it seemed to go down several tones. Lugo had the skin on her neck and hands, thick, smooth, very different from what one would expect to see on an almost nonagenarian woman. More than an old woman, he looked like a man in disguise. The civil registry official was quickly alerted. So much so that he ended up notifying the police. And in doing so he uncovered a delusional scam that has cost Italy tens of thousands of euros and now has the country fascinated. A lot of money, few scruples. That the imagination is sharpened when there are bills involved is nothing new. Just as it is not true that there are unscrupulous people willing to do all kinds of nonsense to pocket money that does not belong to them. Last year we told you the story of a Brazilian woman who appeared at a bank in Rio de Janeiro accompanied by the corpse of a man (supposedly “Uncle Paco”) to withdraw 3,000 euros in her name. That case went around the world, but it is not much more bizarre than another that just aired in Italy. As happened in Brazil, there is a corpse and an attempted scam involved, although in this case the staging has been somewhat different. The reason? The alleged criminal did not take the dead man with him, but instead disguised himself as him to impersonate him before the city council. The problem is that the alleged scammer was a 56-year-old man and the person his mother wanted to impersonate was a woman in her 90s. Click on the image to go to the tweet. Who are you? The case has told it in detail the diary Corriere della Sera. A few days ago, an employee of the civil registry in the town of Borgo Virgilia, in Mantua (Italy) found that a neighbor wanted to renew her expired ID. So far nothing out of the ordinary. The woman showed up by appointment and her papers were in order, but upon seeing her the official became suspicious. The woman walked at a slow pace, wearing a skirt, jewelry, painted nails, and an exquisite layer of makeup that apparently tried to hide her wrinkles. In theory he was 85 years old. Or at least that’s what his license said. Her neck, however, was robust, her wrinkles were strange, and her hands had little to do with those of a frail, almost nonagenarian old woman. Not only that. Although she spoke like an older woman, from time to time her tone seemed to drift into deeper registers, registers more typical of an adult man, between 50 and 60 years old. “Isolated from the rest of the world”. The mayor of Borgo Virgilia, Francesco Aporti, explains that this accumulation of details made the employee suspicious, who ended up alerting her bosses and the police. The first alert was raised when reviewing the security cameras and verifying that the supposed octogenarian had arrived at the wheel of a car, something strange considering that it did not appear that she had a driving license. A more exhaustive search also revealed that the elderly woman had not been to the doctor or visited specialists for some time. Neither her nor her son. “It was as if they were isolated from the rest of the world,” says Aporti. There were signed documents and deeds of sale, but either they had been handled directly by his son as attorney-in-fact or they showed a signature that did not seem completely authentic. And the cake was revealed. With all these indications, the authorities decided to set a trap for him. They called the old woman’s house to inform her that she had to return to the registry to complete her paperwork. They were not able to speak with her, but they did speak with her son, a 58-year-old man who assured them that he would notify his mother. Shortly after, the woman went to the town hall, wearing makeup, a skirt and jewelry. On that occasion, however, she did not meet the official who issues ID cards, but rather a police officer who accompanied her to the police station. There the cake was revealed: during the interrogation, the supposed old woman recognized that he was actually her son, an almost 60-year-old nurse who was impersonating her. A corpse in the closet. The next question is obvious: Why? To find out, the agents inspected the house where the old woman supposedly lived, where they found her mummified body in a closet. The woman in question was called Graziella Dall’Oglio and everything indicates that died in 2022 at 82 years old. Instead of notifying the death, the only child decided to keep it a secret, keep his mother’s body at home and continue collecting the pension religiously. According to precise CorriereThanks to that income and the properties his family had, he managed to pocket around 53,000 euros a year. “There were no known relatives. The woman’s husband, a doctor, had died, and the 58-year-old man was her only son. He worked as a nurse, but was unemployed. The last time the old woman was seen at City Hall was ten years ago, when she came to renew her old identity document,” explains the mayor of the town, who confirms that the police are investigating to clarify two points. First, confirm that the body they found in the closet is indeed Graziella’s. Second, that he died of natural causes. A strange case? Strange yes. Uncommon, not so much. Although in this case the protagonist’s lack of scruples and daring stands out. it’s not the first time that the Italian press talks about people who hide the death of a … Read more

Your pension tells a very different story

by

In Spain, those who have worked as self -employed are that, upon reaching retirement, The amount of your pension It is significantly lower than that of its equals employees. This situation, a priori, seems entirely unfair, since, for setting a more or less close example, an autonomous electrician who works alone, will charge a salary similar to a salaried electrician for his work, and both pay a social security price that will then determine the amount of his Retirement pension. However, the main difference between the two is that, in the case of the wage earner, a part of that price is assumed by the company that hires it, while the autonomous does not do so in the same way. That difference is what causes the self -employed to retire a pension much smaller than employees. Difference of pensions between employees and autonomous. The difference between retirement pensions of salaried workers and self -employed remains considerable in 2025. According to the official data Of the Ministry of Inclusion and Social Security, the average pension of the self -employed is 1,008.8 euros per month, while the employees of the general regime receive 1,665.5 euros per month on average. A relevant aspect is that this difference is even greater depending on gender. Autonomous men receive an average pension of 1,150.10 euros after retirement, while women receive 863.97 euros. This inequality is also due to the quoted years and the sections chosen during working life according to the data collected by Social Security. On average, this is a monthly difference of 657.72 euros in the retirement pension and more than 9,200 euros a year between both groups. The monthly quota: key to inequality. The pension gap between salaried and self -employed workers remains stable in the historical data, and has an obvious reason: most self -employed opt for the minimum contribution base to maximize their monthly fee. As can be seen in the lower picture, in the case of wage earners, both company and worker assume a certain percentage of the price for the employee, starting from a contribution base, being the company who assumes most of that cost and enters it in the Social Security on account of its employee. GUY Company Worker Total Common contingencies 23.60% 4.70% 28.30% Intergenerational Equity Mechanism (MEI) 0.67% 0.13% 0.80% Unemployment (indefinite contract) 5.50% 1.55% 7.05% Unemployment (temporary contract) 6.70% 1.60% 8.30% Fogasa 0.20% 0% 0.20% Professional training 0.60% 0.10% 0.70% However, the calculation of the self -employed contribution base is not made based on the salary he receives as in employees, but based on their net benefit and, depending on that amount, is welcomed by the adequate fee section. That section defines its minimum contribution base, although the autonomous can choose to quote for a larger base. Broadly speaking, so that a salaried salaried salaried salary is 1,600 euros, its contribution base must be about 2,000 euros. On the other hand, the autonomous electrician who works only from our example that receives the same net salary of 1,600 euros, will have a monthly fee of about 300 euros, but Your contribution base It will be about 960.78 euros. That implies that both charge similar wages, but the autonomous quotes for a much lower contribution base. Quotation sections and its minimum and maximum bases. THE PROBLEM: Most quote the minimum base. According to the Ministry statistics, of the 3,436,929 freelancers that exist in Spain, 2,858,865 are quoted for the minimum base for their net income or by 1.5 of the minimum base. Only 72,935 would be quoting for a base near what an salaried worker would have, which would be something close to 3 times or more than the minimum base. Returning to the example of our autonomous electrician with a net profit of 1,600 euros, it would be limited to a maximum price of 1,700 euros, which would mean an increase in its monthly fee to about 534 euros. The self -employed do not pay more quotation. In a first glance it may seem that an autonomous has a greater economic pressure than a wage earner. However, both contributions are close to 30% of the contribution base (it is an approximate percentage since it varies depending on the type of contract, sector, etc.). The main difference is that, as can be seen in the quotation box above, in the case of the wage earner the company assumes a higher percentage than the wage earner (although all part of the Gross Employee salary), while the autonomous is a company and employee in turn, which is perceived a greater impact on the relationship between net benefit and contribution base. How to save that gap. Since the totality of the quota of the contribution falls on the autonomous, to excessively elevate the monthly fee (and therefore its contribution base) to collect a retirement pension near a wage earner it is a great considerable economic effort. So it is best to increase the price base progressively as it is approaching The retirement ageto quote for the largest possible base in recent years to raise the amount of the pension. The amount of the final pension is calculated on the contribution basis of the last 25 years quoted (300 months) and, if the base has always been low, the resulting benefit is insufficient compared to employees, which are quoted according to their real salary. Therefore, in more than 60% of the Spanish provinces, the Medium Retirement Pension Of the self -employed barely exceeds 1,008 euros per month and in no community the autonomous retirement pension is equal to the minimum interprofessional salary in 2025. In Xataka | Germany has had an idea to retire does not become urban legend: pension plans for six -year -old children Image | Unspash (Matt Bennett)

The aging of the population and a poor pension system has a new symbol in Japan: grandmothers are rented

by

During the last months, the great drag crisis Japan with the aging of its population has been expressed in multiple formats. For example, in the field they are becoming Schools in hotels And more and more elderly for living in jail. In fact, the situation is such that the shortage of young labor has turned retirement into an aspiration of the past, with a large group of over 70 years keeping your work life Active The latest: the nation has begun to rent grandmothers. Grandmother for hours. As we said, in the context of a society that ages quickly and where loneliness and isolation They have become structural phenomena, Japan has witnessed the emergence of a unique and deeply revealing service: Ok obaachanan initiative that allows rent grandmothers For hours to fulfill as varied functions as teaching to cook, take care of children, accompany a loving break or simply provide emotional support. Behind this phenomenon, which might seem picturesque at first sight, underlies a series of economic tensions and social that clearly draw the fragility of the social contract in the Third Japanese age. With More than 9.3 million of people over 65 years old still active (That is, one in four elders continues to work after retirement age), many are forced to seek new forms of income against pensions that are barely enough to meet basic needs. For these older women, OK Obaachan represents not only an economic way, but also a form of Keep feeling usefulpresent and linked to society. A human catalog. The service, offered by the Client Partners companyis presented as a multifunctional female personnel (a kind of task and company company) and offers grandmothers to a cost of 3,300 yen per hour (More transport). The current template includes about 100 women between 60 and 94 yearswith diverse profiles and skills that cover From the kitchen, calligraphic writing or family mediation, to the simple ability to listen, advise or do affective presence. What began as a practical project has become an experience deeply human: Some grandmothers accompany people who want to leave the closet in front of their parents, others participate in academic research on social evolution in Japan, and there are those who simply help cope with everyday life. Some of the “rental grandmothers” Grandmothers of all colors. He Customer profile It is as wide as that of the grandmothers themselves: young people without family, lonely adults, people looking for a maternal figure, or even couples in the process of rupture that require a conciliatory presence. The range of services covers from functional to emotional, and in many cases the symbolic. Social reactions. What’s doubt, the appearance of the service has generated reactions found In Japanese society. While some value the possibility of receiving advice and affection from an experienced person, others express discomfort Before commercialization of human ties. In fact, they have appeared comments on networks social ranging from praise to the idea of ​​”feeling needy” to irony about the physical risk for the elderly or even the complaint about the lack of an equivalent service for men. Because, in effect, ok obaachan is exclusively feminineboth in its template and in its parallel services of “rental friends” or “rental relatives”, all managed by a company that It is defined as “Manitas company only for women.” They counted the media premises that, although there is a male version called Ossan Rental (Centered on middle -aged men, between 30 or 40 years), its approach is different and more informal, and does not reach the level of visibility or sophistication of the service focused on grandmothers. Grandmothers as a symptom. The proliferation of this type of services cannot be analyzed without attending the demographic backdrop that makes them possible. We have gone counting: Japan is one of the countries more aged of the world, with an inverted population pyramid, rates of minimal birth rate and a longevity that exceeds 85 years on average. Traditional family structures are They have eroded: Unipersonal households They multiplyintergenerational links They weakenand community fabric It is fragmented. In this scenario, older people not only face economic uncertainty, but also an existential vacuum. Initiatives like OK Obaachan They workas well as a kind of emotional economy, in which rent affection (either On the contrary), listening and the human heat that was previously given in the family. Far from being a marginal curiosity, the phenomenon embodies an adaptive response (and, of course, commercial) to a deeply structural need. Radiography of the present. If you want, although the boom Ok obaachan Point to the endearing, functional or even ingenious, deep down it is a sign of cultural transformation. The figure of the grandmother, traditionally associated with the home, the transmission of values ​​or the emotional refuge, has become a professionalized resourcenegotiable and temporal. What was previously free and spontaneous is now organized, is invoiced and reserved for hours. A RARE Av of professionalization of tenderness that speaks both of the spirit of resilience of older women and the void left by a Hyperravalized societywhere every need (even affective) must be covered For a transaction. Japan, as in so many Other trendsit is possible that anticipating a phenomenon that could be reproduced in other industrialized societies. In an increasingly individualistic world and agedperhaps the question is not why there is a grandmothers service for rent, but why the hell we need so much. Image | Miki YoshihitoClient Partners In Xataka | The aging of the population in the field has taken Japan to an unprecedented proposal: converting schools into hotels In Xataka | The aging of the population is causing Japan to make an unprecedented decision: welcome digital nomads

Pension plans for six -year -old children

by

Let’s say that for a while this part, talk about Retirement It produces some stress in the world population. Spain has offered a solution, although of “high risk”. In Europe they have thought that the best It is delaying itand in Denmark they have seemed little and they have postponed it until 70. In South Korea even the term “old”and in Japan retirement simply It is disappearing For work sine die. The latter comes from Germany and opens an unknown melon. Primary retirement plan. It CNBC had. While millions of retirees In the United States and United Kingdom They are forced to “discourage” for not having saved enough, Germany proposes a radically opposite measure: open retirement accounts for children From the age of six. The plan, promoted by the German coalition government, contemplates contributing 10 euros per month for 12 years to all school minors, thus accumulating at least 1,440 euros per personBut the benefits that can be generated by the investment of these funds. And more. Then, from the age of 18, young people will be able to make personal contributions and enjoy tax yields until retirement, currently set at 67. Dystopia or not, it is a policy designed not only to relieve the load of the public system, but such and as they tellalso to promote the culture of savings from childhood and prevent future generations to repeat the pattern of financial insecurity that today forces many retirees to return to the labor market. In reverse boomers. Meanwhile, reality contrasts with force on the other side of the Atlantic. Fortune explained that the number of people over 65 who still work in the United States It has quadrupled Since the 80s, reaching almost 20% of that strip (about 11 million people), according to the Pew Research Center. In the United Kingdom, a similar proportion of Baby Boomers and members of generation X are already “disrupting” or planning to do so. In many cases, their desires for active retirement, full of trips and personal projects, collide with insufficient piggy bank, affected by inflation, uncertainty in unrealistic markets and expectations during working years. When time is everything. The German proposal makes even more sense when analyzing the light of the impact of compound interest, the financial mechanism that multiplies the capital accumulated over time. Financial Expert Suze Orman told Financial Expert that it has been shown that, just by investing $ 100 per month from the age of 25 and obtaining a 12% annual profitability, a young man could reach More than one million dollars When you retire. Starting five years later would reduce that total by little more than 600,000. From that prism, imagine then what would be possible if the process begins not at 25, but at six years, it is very sweet tooth. A sustained accumulation for six decades could allow future German retirees to enjoy unthinkable financial security for many today. Intergenerational experiment. Although some experts warn that the initial contribution is symbolic and that the passivity of the process could limit its value Educational, the German plan points to a relevant cultural and psychological dimension. Get into childhood The notion of savingsprofitability and long -term planning can modify family habits, especially in contexts where conversation about money rarely takes place. And, if accompanied by a solid financial education and a responsible and transparent management of investments, they explain that the foundations for a more autonomous generationA, resilient and financially conscious. Of premature retirement to savings in nurseries. No doubt, the image of a six -year -old boy with an open retirement account may seem more typical of a dystopia, but behind it hides a sadly unavoidable truth: financial sustainability in old age seems to start long before the first salaries. Germany, with its proposal of pension Earlynot only seeks to relieve the public system and redistribute the generational effort, but to prevent forced return to work that millions of retirees live in the West today. In front of the reality of generations They must give up golden for lack of foresight or because simply They have had no choicea preventive German model is erected that bets on financial pedagogy and long -term investment as pillars of worthy retirement. In South Korea they had already advanced it … although there they changed the purchase of toys By actions of Tesla. Image | Pexels, Stockcake In Xataka | Europe is delaying retirement age until 67. Denmark has seemed little and they have postponed it to 70 years In Xataka | There is a man who has been working for the same company for 86 years. And you have no plans to retire

Log In

Forgot password?

Forgot password?

Enter your account data and we will send you a link to reset your password.

Your password reset link appears to be invalid or expired.

Log in

Privacy Policy

Add to Collection

No Collections

Here you'll find all collections you've created before.