In just two days, the pension moratorium which gives the possibility of retiring older adults who did not complete the years of contributions. Without this regime of purchase of contributions, More than 240,000 people will not be able to access a retirement. On the contrary, they will have to continue working under dependency relationship – with which complex that results from getting employment for those over 50 – or must access a Universal pension for the elderly (Puam)if they meet the requirements.
The elimination of the moratorium would work as a pension reform in factsince in total they are 150,000 women and 93,000 menin retirement age (60 and 65, respectively), that is, a total of 243,000 people that For 2025 they will not be able to retire.
The options offered to this situation are: continue working with contributions or give up and collect a PUAMas long as, meet the requirements of being in the canons that the government considers of poverty, both at the socioeconomic and patrimonial level. Even so, the possibility of charging a pension includes a trace of rights for all those people who worked throughout their lives and expect to reach this age with greater “tranquility.”
Less rights for older adults: difference between PUAM and retirement
The main right that is removed to older adults with a PUAM is directly associated with credit. This pension is equivalent to 80% of one Minimum retirementwhich is currently located in $ 279,121.71that is, with this regime they would charge only $ 223,297.37. To this value, the $ 70,000 bonus that is frozen exactly one year ago is added and should be, tied to the pension increase, a 113% higher (This gives about $ 148,815).
In that line, the end of the moratorium would imply a “Fact pension reform” because Retirement age for women rises. While a retirement is accessed from the age of 60, the benefit of the PUAM It is allowed only from 65 years, interchangeably if they are men or women. It also makes it impossible for the right to work in a dependency relationship, which does offer retirement.
In turn, PUAM does not entitle a death pension for spousesminor children or with disabilities. Nor is it compatible with a pension for death, as with many women who charge a pension once their partner is deceased.
Another of the points highlighted by the pension lawyer Andrea Falcone, In dialogue with Scope, It was the impossibility for the beneficiary of “absent from the country for more than 90 consecutive days or 180 days in total per year.”
In this way, if the absence exceeds these limits, ANSES can suspend or unsubscribe, unless the beneficiary justifies his stay abroad for health reasons or other exceptional circumstances. “It seems reasonable, but you would be surprised how many inconveniencethe specialist argued on this particular point.
What are the requirements to access a PUAM?
- Have 65 years or more.
- Be Argentine or naturalized with 10 years of residence in the country (prior to the application), or foreigner with a minimum residence of 20 years.
- Do not charge or be entitled to any retirement or pension of a national or provincial or municipal boxes or institutes, or unemployment insurance. If you are charging a retirement or pension, you must give up it to initiate the process of the universal pension for the elderly.
- Maintain the residence in the country once the pension is requested.
“Indeed to acquire the PUAM you have to demonstrate that you are poor. It is for people lacking economic consumption”emphasized the pension lawyer Christian d’Alessandro.
Now, thinking about All older adults who retire through pension moratorium are poor or would they charge a minimum retirement? The answer is simple: no. Many people who did not retire with the minimum did it with a moratorium, since it gives the possibility that the older adult buy the years of contribution and are not computed as last years -which are those taken to determine the amount of the benefit -but that it is carried out towards the first years of contributions.
The pension system is made up of 7.2 million retirement and pensions. In that sense, it should be noted that the same person can possess more than one benefit. Of that total, 59.5%, about 4.3 million older adults, obtained the benefit through a moratorium. Since 2005, with the first moratorium of the Nestor Kirchner government to today, the number of retirement and pensions increased 130%since for those years The amount of benefits was 3.1 million.
According to the official report of Social securitymen who turned 64 years old for 2024 are 187,044while the women who arrived at 59 add 216,022.
Of that total of men, 15% already retired, 27% would be added that would comply with the 30 years of contributions and another 8% that is estimated to have a chance of accessing a provincial regime. In the case of women, 4% already retired, 13% would be added that would comply with the 30 years of contributions and another 14% could be added that is estimated to have a chance of accessing a provincial regime.
This implies that, about 5 out of 10 men will not be able to retire this year at age 65, while the situation of women is even more gloomy: 7 out of 10 will not be able to access the benefit at 60 years. The data are official, of Social Security, and arise from the years and months of contributions entered into the Sipa-Anseses Since 1994.
Although in recent weeks various retiree marches were observed for their poor income, This March 23 will afflict a new problem: Many older adults will not be able to access a retirement and will be relegated – if they meet the socio -economic and patrimonial requirements – to a PUAM, with the assignment of rights that it implies.
Source: Ambito
