If you are affiliated with the Pension Normalization Office (ONP), it is important that you know that upon reaching 65 years of age, and having the necessary contributions, you have the right to begin collecting your pension. In response to the need to expand access to this benefit, the ONP has implemented measures in recent years to facilitate a greater number of affiliates to benefit more efficiently. Among these measures are the proportional pension and provisional pension.
The proportional pension allows members who do not meet the total number of years of contributions required, but who have a significant amount of contributions, to access a subsidy calculated in proportion to the years contributed. On the other hand, the provisional pension offers a temporary solution to those members who, while completing the requirements for the definitive pension, they need financial support. These options will be further detailed below.
What is proportional pension?
The proportional pension It is aimed at those retirees who did not complete the necessary 20 years of contributions, but who still have the right to receive a monthly payment from the Pension Normalization Office (ONP), depending on the time they contributed as long as this is at least 10 years. In accordance with Supreme Decree No. 282-2021, the proportional pension can be accessed under one of the following conditions:
- Be over 65 years old and have made contributions for a minimum of 10 years and less than 15 years. In this scenario, the amount of the pension will correspond to a fixed monthly amount of S/250 that will be paid 12 times a year.
- Be over 65 years old and have made contributions for at least 15 years, but less than 20 years. In this case, the pension will be a fixed monthly sum of S/350, also paid 12 times a year.
The ONP specifies that at both amounts of pension A 4% discount will be applied to EsSalud.
The provisional pension
The Pension Normalization Office (ONP) has implemented the provisional pension, a mechanism designed to provide policyholders with a monthly financial benefit expeditiously, specifically within 30 days from the date the application is submitted. This procedure ensures that applicants not only receive interim financial support, but also quickly access health insurance while their final pension is being processed.
This benefit is applicable to various types of pensions in process, including retirement, marital, work disability, widowhood, orphanhood and ancestry, provided that the pension definitive has not been granted within 30 business days following the request.
There are certain situations in which permission will not be granted. provisional pensionlike when the ONP has already issued a negative resolution on the pension or when it is waiting for the member to respond to the offer of a pension loan.
It is important to highlight that the provisional pension It is automatically granted 30 days after requesting any type of pension before the ONPwithout the need for additional procedures on the part of the affiliate.
Source: Larepublica
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