The National Pension System (SNP) in Peru, under the management of the Office of Pension Standardization (ONP), is positioned as an important option for the workers’ retirement. In 2025, pensioners will enjoy significant benefits, which include a maximum pension of S/893, as well as an increase in the minimum pension.
The system is based on a solidarity cast model, on which the contributions of active workers are used to finance the pensions of those who have already retired. For those who do not reach the required years of contributions, options such as proportional retirement are presented.
What are the requirements to access the highest pension of S/893 of the ONP?
The maximum pension of the Pension Standardization Office is granted to retirees who comply with specific criteria established in Decree Law No. 19990. This amount, which represents the upper limit, seeks to recognize the effort of those those workers that have made continuous contributions to the system. By the year 2025, the fundamental requirements for accessing this maximum pension are the following:
- Be at least 65 years old when submitting the application.
- Have accredited at least 20 years of contributions to the National Pension System.
It should be remembered that the calculation of the pension is based on the years of contributions made and the average of the latest perceived remuneration. Instead, the workers They do not reach the required threshold they have the option of accessing a special proportional pension, which provides benefits adapted to the accumulated contribution years.
ONP contributions can be made through Yape and Plin since 2025
The Pension Standardization Office is taking significant steps towards the digitalization of its procedures. Now, affiliates have the option of making voluntary contributions through known digital wallets Yape and Plin, although this process is not carried out directly.
He voluntary contribution It cannot be less than 13% of the minimum vital remuneration (RMV), which is equivalent to S/147 since January of this year. It is worth mentioning that there is no maximum limit for contributions. This service, which has been available since January 7, has been used by more than 400 affiliates to date, according to the Andean Agency.
To what dates do independent workers pay the January contribution in 2025?
The term to pay the Contributions concludes the last day of the month following the corresponding. For example, if the contribution is January 2025, the affiliate has until February 28 to make the payment without incurring a blackberry 2%. It should be noted that, in case of making a partial payment during this period, penalty will not be applied by default.
Independent workers contributing to the National Pension System enjoy the same benefits as mandatory affiliates. Among these rights are the possibility of accessing a life pension and receiving medical care through EsSaludonce they reach the stipulated age for their retirement.
Source: Larepublica
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