The adjustment of the minimum vital remuneration (RMV) will generate an increase in the Monthly contributions that workers affiliated with the Office of Pension Standardization (ONP) allocate for retirement. In general, this increase will bring modifications to the contributions and bonuses that companies in the formal sector must pay to their collaborators.
To date, the contribution of workers to the National Pension System (SNP) is calculated as a percentage of gross salary. This change will result in an increase in contributions for millions of employees who receive the minimum salary and are ONP AFFILIATES. Next, we tell you about the modifications linked to the recent increase in RMV.
How much is the new contribution that workers affiliated with the ONP should make?
The increase in the minimum salary, established by Supreme Decree 006-2024-TR, has modified the minimum contribution to the National Pension System, so it is set at S/147. This new figure will enter into force from the payment corresponding to January 2025. It should be remembered that the Affiliates They must contribute 13% of their declared monthly income. This contribution, however, cannot be lower than RMV.
The amount mentioned is directly discounted from the salary of the dependent workers in the payroll, according to the Decree Law No. 19990. This modification will have a considerable effect on the net income of employees, who must consider this new percentage by planning their personal finances.
To what date can independent workers affiliate to the ONP?
The deadline for the payment of the contributions ends on the last day of the month following the contribution. For example, if the contribution corresponds to January 2025, the affiliate has until February 28 to make the payment without incurring default, which is 2%. It is important to note that, if a partial payment is made within this period, the penalty will not be applied by default.
In addition, the Pension Standardization Office indicated that approximately 24,000 affiliates make optional contributions. These independent workers They contribute monthly to the objective of ensuring a pension and life health insurance at the time of their retirement.
What are the benefits of being affiliated in the ONP?
The independent workers that contribute to the National Pension System enjoy the same rights as mandatory affiliates. This includes access to a life pension and medical care through Essalud, once they meet the age established for retirement.
In case of an accident, to Affiliate It is protected by a disability pension for work or death. The benefits extend to relatives, such as spouse or cohabiting, minor children or with disabilities for work or parents.
Source: Larepublica
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