He Peru government has implemented a series of modifications in the National Pension System (SNP)with the aim of expanding access to early retirement for affiliates of the Pension Standardization Office (ONP). Among the main changes include the reduction of the minimum age to access this benefit, as well as the update of the pension amounts that retirees can receive from 2025.
These reforms also include an adjustment in the Minimum pension guaranteed, allowing those affiliates who do not meet the traditional contribution requirements can access a basic monthly payment. In addition, differentiated amounts have been established according to the years of contribution. Next, the key changes in the retirement age, the pension amounts and the date of application of these modifications are detailed.
New minimum age for early retirement in ONP: requirements and conditions
With the approval of the Law No. 32123the Minimum age to access early retirement in the ONP. Previously, affiliates had to wait until 65 to request their pension. However, with the new regulations, it has been established that workers will be able to benefit from this benefit from the age of 55, provided that they meet the established contribution requirements.
To access the early retirementaffiliates must prove a minimum of 20 years of contributions (240 contribution units – UDA). In addition, those who opt for this benefit will see reduced the amount of their pension by 4% for each year of advance compared to 65 years. This percentage is not reintegrate when the affiliate reaches the maximum age established by the pension system.
Updated amounts of ONP 2025 pensions: how much can you receive?
From 2025, the pension amounts for retirees of the ONP They have been updated according to the contribution time of each affiliate. According to the new provisions, the minimum guaranteed pension will be S/600 per month for those who prove at least 240 contributions.
For those affiliates who have between 10 and 15 years of contributions, the amount of the pension will be S/300, while workers with between 15 and 20 years of contributions can access a S/400 pension. These adjustments seek to expand the pension coverage and benefit those who failed to reach the contribution years required for the Regular retirement.
As for the Maximum pensionthe amount higher than a retiree of the ONP You can receive is S/893.36 per month, as long as it has completed the 20 years of required contributions and be the minimum 65 -year -old retirement age. These payments are made through the Nation Bank and other authorized banking entities.
When do changes in the ONP early retirement enter into force?
The modifications established in the Law No. 32123 They will begin to be applied as of January 2025. From that date, affiliates may request early retirement under the new conditions and access the updated pension amounts.
To initiate the procedure, those interested must submit their application through the digital platform of the ONP or go to public service offices. It is necessary to have a virtual key, complete the application form and attach the documents that prove the contributions made. In addition, people with disabilities can request their early retirement without reduction in the amount of the pension, provided they meet the requirements established in current regulations.
Within up to 30 calendar days, applicants will receive the corresponding resolution by email or at their registered address. If the process takes more than stipulated, a provisional pension will be granted until the final resolution is issued.
Source: Larepublica
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