In Peru, the National Pension System (SNP) allows affiliates who have not reached 20 years of contributions to access a proportional pension. Between October 2021 and October 2024, a total of 58,986 affiliates obtained this benefit. This mechanism was implemented to expand pension coverage and guarantee economic support to those who have quoted for less time.
He SNP It is a contributory system administered by the Pension Standardization Office (ONP). To access a pension within this regime, workers must make monthly contributions equivalent to 13% of their salary or income. Traditionally, to obtain a retirement pension in this system, a minimum of 20 years of contributions is required. However, with the implementation of the proportional pension, affiliates with less contribution time can request an economic benefit according to the contributed years.
What rights have ONP pensioners with less than 20 years of contributions?
The affiliates ONP who have quoted between 10 and less than 20 years can access a proportional pension retirement. This benefit is granted monthly and paid in 12 installments per year. In addition, pensioners have health coverage through EsSalud.
Other rights include the free service of Home payment For those who require it. In case of death of the holder, relatives can access pensions of widowhood, orphanage and ancestry, as established in current regulations.
Proportional pension amounts and additional bonus in 2025
As of January 2025, the amounts of the proportional pension They will be updated as follows:
- For affiliates with between 10 and less than 15 years of contributions: S/ 300.00 per month.
- For affiliates with between 15 and less than 20 years of contributions: S/ 400.00 per month.
Additionally, pensioners who turn 80 will receive the Age bonuswhich will increase your monthly pension automatically.
Requirements and steps to request the proportional pension in the ONP
To access the proportional pension of the ONPaffiliates must meet the following basic requirements:
- Have turned 65 years old.
- Prove at least 10 years of contributions in the ONP.
The procedure can be carried out in person or virtual. For the Online applicationaffiliates must enter the official web platform, select the option “I am contributing” and then “I want my pension”. After registering your personal data, an ONP advisor will contact the process.
For face -to -face attention, the ONP It has 20 offices nationwide with hours from Monday to Friday from 8:00 am to 5:00 pm it is also possible to go to the modules in the centers Mac of 18 regions of the country, with attention to Saturday.
Source: Larepublica
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