Since 2021, members of the National Pension System (SNP) —administered by the Pension Normalization Office (ONP)— who have not managed to contribute the minimum time required to access a proportional or minimum pension They can request a pension loan, as well as prove contributions through a sworn declaration.
How to request a pension loan?
Those members who contributed for a minimum of nine years can request the pension loan up to one year of contributions. In this way, they would complete the 10-year period that allows access to a proportional pension of S/250 and health insurance, both for life.
To do this, the member must submit his or her retirement application so that the ONP can evaluate the case and, if applicable, they will have the option of a pension loan along with the calculation of the contributions they need to access a pension.
The loan can be paid through your pension. If you receive a retirement through the general pension scheme, the discount will not be greater than 30% of your pension. If you receive a special proportional pension, the discount will not be greater than 20%.
It is worth mentioning that the pension loan It can be two years if you are looking to access a special retirement with 15 years of contributions, which amounts to S/350. Meanwhile, if you seek access to a minimum pension of S/500 with 20 years of contributions, you can finance it for up to three years.
According to the ONP, Between January 2021 and September 2023, 16,586 pension loans have been granted so that their members can obtain a pension.
How to prove contributions by affidavit?
Another facility is the sworn declaration that allows members to prove contributions for up to two years to access a proportional pension between 10 and less than 15 years old. This simple document must indicate the name of the employer and the period of the employment relationship.
Likewise, the declaration must be accompanied by documents that prove the member’s employment relationship, such as legal credentials, work card or photocheck, registration card, contribution booklets, resignation letter, memorandum, letters, payment slips, payroll books presented by the insured, medical care cards, among others.
With the accreditation of contributions, you can request the retirement, widowhood, orphanhood and ancestry pension. ANDBetween December 2020 and September 2023, 12,687 people have used this benefit.
Source: Larepublica
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