{"id":3238,"date":"2025-10-01T08:04:40","date_gmt":"2025-10-01T06:04:40","guid":{"rendered":"https:\/\/iuritcorp.com\/?p=3238"},"modified":"2025-10-20T08:23:16","modified_gmt":"2025-10-20T06:23:16","slug":"puedes-perder-tu-pension-aunque-tengas-40-anos-cotizados","status":"publish","type":"post","link":"https:\/\/iuritcorp.com\/en\/puedes-perder-tu-pension-aunque-tengas-40-anos-cotizados\/","title":{"rendered":"Can you lose your pension even if you have 40 years listed?"},"content":{"rendered":"

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<\/h3>\n\n\n\n
\"\u00bfPuedes<\/figure>\n\n\n\n
\n\n\n\n

In Spain, the self-employed<\/strong> 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<\/strong>.<\/p>\n\n\n\n

According to the article 47 of the General Law on Social Security (LGSS)<\/strong>, any worker with outstanding debts can access a contributory benefit, even after you have quoted 40 years<\/strong>.<\/p>\n\n\n\n

\n\n\n\n

Why the self-employed are more exposed?<\/h4>\n\n\n\n

While companies entering the contributions of the employees, the self-employed workers are responsible for paying their fee RETA<\/strong>. A delay in a payment can be sufficient to generate debt and block the board at the time of the request.<\/p>\n\n\n\n

\n\n\n\n

What is the \u201cinvitation to payment\u201d?<\/h4>\n\n\n\n

If a self-request retirement with debt, the INSS activates a procedure called \u201cinvitation to payment\u201d<\/strong>, giving 30 days to catch up<\/strong>.<\/p>\n\n\n\n

    \n
  • If paid in that time period \u2192 the process continues and is granted the pension.<\/li>\n\n\n\n
  • If you don't pay \u2192 the application is declined, even though you are met with the age and years listed.<\/li>\n<\/ul>\n\n\n\n

    In addition, if you are asked for a postponement and do not comply with the time limits, the provision can immediately discontinued<\/strong> until the debt is paid.<\/p>\n\n\n\n

    \"\"<\/figure>\n\n\n\n
    \n\n\n\n

    What are the consequences of having debts to be autonomous?<\/h4>\n\n\n\n

    However, part of the board approved up to settle the debts.<\/p>\n\n\n\n

    Loss of entitlement to contributory pension.<\/p>\n\n\n\n

    Suspension of assistance and bonuses as the flat fee.<\/p>\n\n\n\n

    \n\n\n\n

    How to avoid problems<\/h4>\n\n\n\n

    In IURIT<\/strong> we recommend the self-employed:<\/p>\n\n\n\n

      \n
    • Periodically review your situation<\/strong> in the General Treasury of the Social Security.<\/li>\n\n\n\n
    • Request an update to see if there are debts.<\/li>\n\n\n\n
    • Settle outstanding fees or ask for a postponement of immediate way.<\/li>\n<\/ul>\n\n\n\n

      Remember that in order to be entitled to the pension, it is necessary to have contributed at least 15 years<\/strong>the two of them within the last 15 pre-retirement, and above all, be aware of payment<\/strong>.<\/p>\n\n\n\n

      The self-employed in Spain<\/strong> should monitor their tax obligations: a single debt you can block the access to the retirement pension<\/strong>even after a lifetime of trading.<\/p>\n\n\n\n

      In IURIT<\/strong> we will help you review your tax situation and regularize debts<\/strong> with Social Security or Finance. Protects your board and secures your future.<\/p>\n\n\n\n

      <\/p>","protected":false},"excerpt":{"rendered":"

      Aut\u00f3nomos en Espa\u00f1a: una deuda con Hacienda o Seguridad Social puede hacerte perder tu pensi\u00f3n<\/p>","protected":false},"author":1,"featured_media":3900,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[140,141,135],"tags":[152],"class_list":["post-3238","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualidad-fiscal-reformas-legales","category-derechos-contribuyente-jurisprudencia","category-fiscalidad-modelos-tributarios","tag-reforma-fiscal"],"_links":{"self":[{"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/posts\/3238","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/comments?post=3238"}],"version-history":[{"count":2,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/posts\/3238\/revisions"}],"predecessor-version":[{"id":3902,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/posts\/3238\/revisions\/3902"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/media\/3900"}],"wp:attachment":[{"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/media?parent=3238"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/categories?post=3238"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/tags?post=3238"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}