The decision of the government of Javier Milei of not extending the last law that allowed to buy contributions since 1993 left a majority of people of retirement age.
According to official data, this year approximately 403,066 people meet the age requirements to retire, but 241,984 of them failed to do so for not reaching 30 years of contributions required. This is equivalent to 60% from those who should have accessed the benefit.
The impact is even more severe among women, where seven out of 10 They can no longer retire. Among men, exclusion affects half of those who arrived at 65.
The problem of labor informality
For years, the high level of Labor informality In the country it made full incorporation into the pension system. According to the Permanent Household Survey of the INDECmore than 8 million people They worked without registering contributions, most of business decisions and not for voluntary evasion.
The void that left the elimination of the moratorium had immediate consequences in the pension system. In 2024of the 427.505 retirement granted ANSES, 313,950 They were managed through some regularization regime. This means that 75% From the new retirees he resorted to the moratorium because he did not have enough contributions.
From the Start of the system in 2005the moratorium scheme allowed more than 3.8 million people accessed a retirement.
This mechanism included both those who had no contributions and to people who They worked for two decades or more and were left without employment Shortly before reaching the required 30 years. Without the possibility of labor reintegration, they could not complete the missing contributions.
At present, both those who never contributed and those who failed to complete the required years are referred to the Universal Pension for Older Adults (PUAM)a benefit established by the Historical Repair Law of 2016. This pension does not require contributions and pays the 80% of the minimum being, although it does not grant the right to pension for death.
Since June 2025the value of the PUAM It is from $ 243,779.14with the possibility of adding a Additional bonus of $ 70,000 raising the total to $ 313,779.15if the beneficiary receives minimum being. The amount varies according to the Retirement Mobility Index.
Law 24,476 remains in force
In parallel, the Law 24,476which allows regularizing work not registered previous to the September 30, 1993. This standard, of a permanent nature, authorizes to buy years from the 18 years old Until that date.
For example, a man who turns 65 in 2025 I could buy up 15 years of contributionsprovided that it has the remaining 15 after 1993. In the case of women, who turn 60 in 2025 They could acquire 10 yearshaving worked the others 20 years with contributions after the deadline.
The pension debt generated by the purchase of contributions under this law can be canceled in a single payment or a plan of up to 60 installmentswith semiannual adjustments.
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In contrast, the Law 27,705which was in force between 2023 and 2025it was more expensive, but allowed to regularize contributions from 1993. Applied to women from the 60 years already men from the 65with up 120 discounted fees of retirement.
That law was approved during the management of Alberto Fernándezvalid for two years and possibility of extension. However, the Milei government decided not to extend it.
Faced with this situation, the opposition managed to approve in Deputiesby majority, a project to restore the Retirement mobility and reactivate the pension moratorium. The initiative must now be debated in the Senate.
The President Javier Mileion the other hand, he already anticipated his position through X: “Hopefully senators do not support this populist demagogy, but in any way our commitment is to veto anything that threatens the zero deficit. End.“
The pension discussion has thus become one of the most sensitive issues of the current political debate. The exclusion of hundreds of thousands of older adults from the system Contributory retirements He revived the conflict between ruling and opposition, and highlighted the social impact of the government decision to end the tools of pension regularization.
Source: Ambito
