Self-employed people can collect two retirement pensions together. The fine print is that they must have paid for both
There is one thing that any worker who contributes to Social Security expects: to receive a retirement pension. when your working life ends. What not many people know is that you can collect up to two retirement pensions: one if you have listed as self-employed and another if you have done it in the general regime as an employee. The fine print, of course, is that it is not enough to have contributed a couple of years in each regime. The conditions for both benefits to be recognized They are quite demanding. But yes, you can retire with two retirement pensions. What exactly does Social Security say?. The Social Security website has an answer Directly for that doubt, you may have the right to collect a retirement pension from the General Regime and another from the Special Regime for Self-Employed Workers (RETA) as long as the contribution requirements for each one are met separately. That is, having at least 15 years of contributions in each of the regimes. If at the time of retirement the requirements of any of them are not met, they are accumulated in the one that is. That is, they continue to count for the regime that does comply, although only one pension will be received, as established in article 205 of the General Law of Social Security. First requirement: meet the minimum contribution. The first requirement to receive two retirement pensions is the minimum required for any worker who wants to access a retirement benefit. That is, have the required age to retire and have contributed enough years to receive it. In 2026, that means have quoted at least 38 years and 3 months (to retire at age 65) or less time if you wait until age 66 years and 10 months, which is the ordinary age for this year. The second requirement: 15 years in each modality. The second requirement is a little less common, and that is why not many people can access this type of double pension: prove moonlighting simultaneous. In other words, to receive it, the worker must be registered in both the RETA and the General Regime. That is, be listed as an employee and an employee simultaneously, and prove a minimum of 15 years of contributions in each of the regimes. This contribution can be simultaneous (15 years registered in both) or overlapping (15 years as an employee and 15 more years as a self-employed worker). If the worker is not registered in the General Regime but is in the RETA at the time of retirement, he or she must prove that at least two of those years must have overlapped within the last 15 years prior to retirement. In other words, you may have been alternating periods of time as an employee and as a self-employed person throughout your working life until you add 15 years of each, but two of those years of change between one regime and another must occur during the last 15 years of your working life, as specified in the article 205.1b of the General Law of Social Security. There must be a coincidence of both in the years prior to retirement, it is not useful to have contributed 16 years as an employee at the beginning of your working career and then another 23 years only as a self-employed person. If not multiply, add. At this point, many of you will have had a question come to mind: if you don’t reach 15 years of contributions in one of the two, what happens to those contributions, are they lost? This is where the article 49 of the General Law of Social Security. If, for example, you have contributed for 10 years as a self-employed person, but you do not reach the minimum to collect a pension for the RETA, but you do for your work as an employee, the regulations contemplate that these contribution bases as a self-employed person can be accumulated to those you have generated as an employee (or vice versa), but only for calculate the regulatory base that determines How much will your pension be?not to add more years of contributions. This means that those years of self-employment do count, even if they do not generate a second pension. They raise the regulatory base and, with it, the amount of the pension that you do collect. Two pensions, but one pension capped. Collecting two pensions at the same time does not mean being able to add any amount. Although these are two benefits from different regimes, there is a maximum limit for pensions contributions that also apply in this case. In 2026, this ceiling is set at 3,359.60 euros per month, in 14 paymentswhich is equivalent to 47,034.40 euros per year. If the sum of the two pensions exceeds that figure, the cut will be applied up to that amount. This means that it only makes economic sense to collect two pensions if each of them, on its own, falls below the maximum. In most cases, people in this situation will have contributed fewer years for the RETA than for the General Regime, so their two pensions, added together, are usually well below the ceiling. In Xataka | In Spain, those over 65 years of age are working like never before. It’s not passion for work: it’s for retirement age Image | Unsplash (Matt Bennett)
