Those who collect the Universal Pension for the Elderly (PUAM) - more than 250,000 people -
can improve the amount of their salaries
and other conditions of the pension benefit
if they replace it with a retirement by accessing the moratorium.
This is specified in the moratorium law (“Pension Debt Payment Plan”- PPDP) approved by Congress.
"If the applicant (of the moratorium) receives an income that is incompatible with the pension benefit that is granted by considering services included in this Plan, they must request the cancellation of the benefit, retirement or previous plan that they receive in order to access to the Program approved hereby”, indicates the law.
Women and men over 65 years of age who do not meet 30 years of contributions
have access to the PUAM
, with the collection of 80% of the minimum wage .
LA PUAM is incompatible with the performance of any activity in a relationship of dependency or self-employment, the beneficiary must maintain residence in the country, and does not generate the right to a pension.
On the other hand,
retirement for moratorium has a floor equivalent to the minimum amount,
and depending on the case, even with the deduction of the moratorium installments (30, 60, 90 and up to 120 months)
it can be higher than the value of the PUAM .
It is compatible with independent work or in a dependency relationship, and you can perceive it residing abroad.
In the event of death, the PPDP generates the right to a pension.
Through the PUAM, in force
since the beginning of 2018, 279,344 people over 65 years of age retired,
according to Social Security data as of December 31, 2022.
For example, according to the social security lawyer Andrea Falcone, based on the calculation system elaborated by the specialist Guillermo Jáuregui: • A 68-year-old man today charges the PUAM of
$46,932
having contributed for 10 years.
With the moratorium, he would collect
$48,000,
subtracting the moratorium fee.
Once he cancels the moratorium payments, he goes on to collect full retirement.
• With 15 years of contributions, the PUAM collects
$46,932.
With the moratorium, he would collect
$50,800
, deducting the moratorium fee and then he would collect the full retirement.
• With 20 years of contributions, the PUAM collects
$46,932
.
If you replace it with the moratorium retirement, you would collect
$53,790
and then you would collect the full retirement.
• A 66-year-old woman, who has 2 children and 10 years of contributions, collects the PUAM of $46,932. With the moratorium, she would collect
$50,100,
minus the moratorium fee.
On the other hand, and as
Clarín
explained, a person with a pension due to widowhood, who is receiving only the minimum salary, if they are already 60 years of age or over or are about to turn 60 in the case of women or 65 or over for men, will be able to retire through the new moratorium.
And in that case, she would continue to collect the pension plus retirement, less the moratorium fee for up to 30, 60 or 120 months, depending on the plan.
AQ
look too
Consumption crack: because of the places where they buy, lower-income households pay more and more than those of the middle class
Cristina Kirchner spoke of the economic crisis and evaded responsibilities: two economists respond