ONP 2025: This is the pension that retirees will receive from the National Pension System if they contributed less than 15 years

The reform in the pension system in Peru has introduced significant changes for affiliates to the Office of Pension Standardization (ONP). One of the highlights is the implementation of a special proportional retirementdestined for those who failed to accumulate the 20 years of contributions required to obtain a complete pension.

Next, we tell you the requirements and amounts established for workers who have less than 15 and 20 years of contributions to the National Pension System (SNP). In addition, it is analyzed how these modifications affect the Affiliateswhich provides a clear vision of the implications of these changes in their future pensions.

What is the amount of the pension for those who have contributed less than 15 years to the ONP?

Proportional retirement offers affiliates from the Pension Standardization Office the possibility of receiving greater pension monthly. From the reform implemented in 2025, the fixed amount for this group has increased to S/300, which exceeds the S/250 established above.

It is important to note that this amount will be subject to a 4% deduction for EsSalud. To access this benefit, the main requirements are:

1. Minimum age: Be at least 65 years old when requesting the pension.
2. Years of contributions: Having contributed between 10 and 15 years to SNP.
3. Documentation: Present the National Identity Document (DNI) and the contribution certificates that support the contribution history.
4. Formal request: Complete and deliver the proportional pension form available on the ONP website or in the institution’s physical offices.

This is the amount for contributing 20 years to the ONP

The reform also establishes that S/400 per month is the new special proportional pension amount for workers who have contributed between 15 and 20 years, which represents an increase with respect to the S/350 granted above. It should be remembered that Retirees You will see a 4% discount for EsSalud. The requirements to access this retirement are the same as in the previous section

What are the requirements to access the ONP S/893 pension?

ONP affiliates must meet two mandatory conditions to receive the maximum pension of S/893:

• Be at least 65 years old when submitting the application.
• Have accredited at least 20 years of contributions to the National Pension System.

How to consult the contributions on the ONP digital platform?

The ONP has a digital platform for affiliates to review their contribution status quickly and safely. To access, follow these steps:

• Enter the official portal of the ONP and go to the “Check your contributions” section from the ONP website.
• Select the DNI document type, foreigner card, PTP or passport.
• Enter the virtual key: in case of not having this, requesting a new key providing the document number, name of one of the parents, cell phone number and email.
• Consult the account status: the history of contributions and other relevant data can be visualized.

EPP early retirement in 2025

According to current regulations, it is important to keep in mind that the minimum age to request early retirement in the ONP is 55 years, which represents a significant change in the conditions to access this benefit. It is essential to meet the established requirements to make use of this option and thus guarantee an adequate transition towards the retirement stage.