With the reduction of the income limit that gives the right to the collection of Family Allowances,
the patrimonial and socioeconomic requirements to access retirement through moratorium
or pension debt payment plan are also reduced.
The income cap drops from $1,980,000 to $1,077,403.
In any case, the Government is studying annulling the current moratoriums - a decision that requires going through Congress - and that
those who do not have the years of contributions can retire with new requirements through the PUAM
(Universal Pension for the Elderly) with the floor of
80% of the minimum assets.
Meanwhile, the different requirements of the current moratorium are linked to the income limit to access Family Allowances, according to the joint ANSeS/AFIP Resolution No. 5345/2023-,
And by reducing that limit from $1,980,000 to $1,077,403, as
Clarín reported,
the socio-economic evaluation requirements decrease.
In 2023, 396,330 people retired due to moratorium.
Those requirements are:
Average monthly gross income in the last twelve months
: cannot exceed the current limit to access family allowances, which fell from $1,980,000 to $1,077,403.
The
average monthly expenditure and consumption
of the last twelve months prior to the date of the evaluation may not exceed 80% of that limit.
The declaration of assets in the sworn declarations of the
Personal Property
Tax may not exceed 2.4 times the annualized amount provided for access to family allowances.
Nor may you have a car whose value exceeds the annualized amount of that income.
In addition, you must not register the possession of aircraft or vessels more than 9 meters in length.
On the other hand, by decree 173/2023, those who enter the moratorium
“will not be able to access the exchange market
for the purposes of obtaining foreign currency
for a period of 12 months,
counted from the date of application, in accordance with “the explanatory and complementary rules establish it.”
The moratorium law for people of retirement age allows
the missing periods to be regularized until December 2008
(inclusive) to reach 30 years of contributions.
They can do so through the application of a payment method in installments that is directly deducted from the retirement income they obtain.
The number of installments may be up to 120
.
It is for people who have reached retirement age (60 years for women, 65 for men),
who do not have or will not have 30 years of contributions
to begin the retirement process initially set in the next 2 years.
The debt for the months to be regularized through the moratorium is calculated according to the so-called “Pension Debt Payment Unit”, whose value is equivalent to 29% of the minimum taxable remuneration base in force on the date of the request for the moratorium. pension benefit, multiplied by the months owed.
From this total divided, for example, the 120 months results in the amount to be deducted from the credit.
But that fee that will be paid will only "serve" to access retirement.
It will not affect the assets,
which
will be calculated on the basis of the contributions actually received
without a moratorium, with the
guarantee of the minimum retirement
, less the moratorium fee, plus possibly a bonus.
Meanwhile, workers who are 10 years or less away from retirement age (60 years for women, 65 years for men) and know that they will not have the 30 years of contributions necessary to access pension rights, can
withdraw turn to pay off the debt in installments
for the months and years without contributions prior to March 31, 2012, so as to have 30 years of contributions at the time of retirement.
NE