To enter the pension moratorium that Congress approved on Tuesday, ANSeS will carry out
a socio-patrimonial evaluation
of the applicant.
As in other Social Security benefits,
there will be a cap on income, expenses and assets
and these data will be
cross-checked with the records of the AFIP,
Real Estate and Automotive Property and the banking system, among others.
That's how they told
Clarín
in the ANSeS.
"We are working on the values, even with other organizations, but it will follow the same logic of other benefits, such as income threshold, expenses and assets."
These requirements
seek to prevent high-income sectors from accessing the moratorium
for whom the pension credit - a monthly income for life -
does not have a food nature.
Another key fact is that, in exchange for the payment of a fee that will be deducted from the pension credit,
the moratorium will only "serve" to access retirement but not for the calculation of the credit,
which will take into account the months or years with contributions actually paid without moratorium.
In other words,
whoever retires with the moratorium will have a "discount" from their retirement
because they will receive a credit equivalent to the years contributed and a monthly fee of up to 120 months will be subtracted from their credit according to the moratorium plan they choose.
The months or years to regularize by moratorium must be
prior to December 2008
.
Thus, whoever has effective contributions after that date, can justify by moratorium the remaining years to complete the 30 years required by the system to access retirement.
At March values, for a worker in a dependency relationship with an updated average gross salary of $200,000 for the last 120 months (average taxable remuneration of the system), retirement and the fees that will be deducted for accessing the moratorium would be as follows :
•
With 10 years of contributions and 20 years to regularize
by moratorium prior to December 2008,
he would retire with a minimum credit today of $58,655
(plus the bonus of $15,000 until May 2023).
And $11,459 would be discounted in a 120-installment payment plan.
The cash would be $47,206, almost similar to the $46,932 of the PUAM (Universal Benefit for the Elderly), since in both cases they receive the $15,000 of the bonus.
•
A 15-year-old worker, who can regularize 15 years
through the moratorium, will have an initial salary of $71,837 (35.9% of the updated average salary).
The value of the monthly fee (which is updated quarterly for mobility), assuming a payment plan of 90 installments, will be $11,459.
Assuming a payment plan of 120 installments, it would come to $8,595.
Thus, the total credit would be $71,837 (he would receive the reinforcement of $5,000).
Having discounted the installment (plan 90) would be $60,378 plus the Income reinforcement of $5,000 and in the 120 installment plan it would be $63,242 plus the reinforcement of $5,000.
•
An employee with a 20-year dependency relationship can regularize 10 years
through the moratorium.
The calculation of the initial salary is $86,837 (43.4% of the updated average salary).
The value of the monthly fee for the 45 installment plan would be $15,280 and with a 60 installment plan, $11,459.
Thus, having $86,837 (he would receive a $5,000 reinforcement), minus the fee for plan 45 would total $71,557 plus reinforcement, and if the fee in a 60-month plan is discounted, the credit would be $75,378 plus reinforcement.
•
A worker with a 25-year dependency relationship, who only has to regularize 5 years,
would have an initial salary of $101,837 (50.9% updated average salary).
If she pays in 30 installments ($11,459 each) she will have a credit of $90,378 plus a reinforcement of $5,000.
If you pay in 60 installments, each one will be $5,730 and you will collect $96,107 plus the $5,000 reinforcement.
NE
look also
The Government regulated the bonus of up to 15 thousand pesos for retirees and pensioners: who will collect it and how
Retirees: how is the new pension moratorium for those who do not have contributions and how to access it
