The self-employed may lose the retirement pension in 2025 if you have debts with the tax office and Social Security. Find out how to avoid it
In Spain, the self-employed have the right to a retirement pension like any worker, but there is one key detail: can lose it if you have debts with the tax office and the Social Security.
According to the article 47 of the General Law on Social Security (LGSS), any worker with outstanding debts can access a contributory benefit, even after you have quoted 40 years.
Why the self-employed are more exposed?
While companies entering the contributions of the employees, the self-employed workers are responsible for paying their fee RETA. A delay in a payment can be sufficient to generate debt and block the board at the time of the request.
What is the “invitation to payment”?
If a self-request retirement with debt, the INSS activates a procedure called “invitation to payment”, giving 30 days to catch up.
- If paid in that time period → the process continues and is granted the pension.
- If you don't pay → the application is declined, even though you are met with the age and years listed.
In addition, if you are asked for a postponement and do not comply with the time limits, the provision can immediately discontinued until the debt is paid.
What are the consequences of having debts to be autonomous?
However, part of the board approved up to settle the debts.
Loss of entitlement to contributory pension.
Suspension of assistance and bonuses as the flat fee.
How to avoid problems
In IURIT we recommend the self-employed:
- Periodically review your situation in the General Treasury of the Social Security.
- Request an update to see if there are debts.
- Settle outstanding fees or ask for a postponement of immediate way.
Remember that in order to be entitled to the pension, it is necessary to have contributed at least 15 yearsthe two of them within the last 15 pre-retirement, and above all, be aware of payment.
The self-employed in Spain should monitor their tax obligations: a single debt you can block the access to the retirement pensioneven after a lifetime of trading.
In IURIT we will help you review your tax situation and regularize debts with Social Security or Finance. Protects your board and secures your future.
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