He National Pension System (SNP) In Peru, administered by the Pension Standardization Office (ONP)establishes a series of requirements for workers to access a retirement pension. This pension modality is financed under a solidarity scheme, in which the contributions of the affiliates allow the payment of pensions to the retirees.
One of the main aspects that determines eligibility for pension is Contribution time. Affiliates must meet a minimum of years of contributions to obtain a complete pension or, failing that, a proportional pension. In addition, the amount they will receive varies depending on the years of contributions and the average of their latest registered remuneration.
Requirements to access a pension at ONP
To access the pension of Retirement at ONPaffiliates must meet certain requirements established in the Decree Law No. 19990. It is essential to have reached the minimum age of 65 and having made contributions for at least 20 years. Without these requirements, it is not possible to receive the full pension.
In case of not having reached 20 years of contributions, the SNP contemplates the possibility of accessing a proportional pension If contributions have been made for at least 10 years. To do this, the documentation that provides the contribution time and the labor link with the companies in which it worked were submitted.
Pension amounts according to years of contributions in the ONP
The amount of the ONP Pension It varies depending on the years of accumulated contributions. Workers who have reached 20 years of contributions can receive a Maximum pension of S/ 893.00, while the minimum pension is S/ 600.00. These amounts are subject to a 4% discount for EsSalud.
On the other hand, those who have quoted between 15 and 19 can access a pension of S/ 400.00, and those who have between 10 and 14 years of contributions will receive S/ 300.00. In all cases, the minimum age of 65 must be met.
Differences between complete and proportional retirement in the ONP
He SNP It allows access to a complete or proportional pension depending on the contribution time. The full board It is intended for those who reach 20 years of contributions, while the proportional pension benefits those who did not achieve that minimum time. This modality seeks to give an entry to those who, for various reasons, could not complete the total required years.
It is important to highlight that the calculation of the final amount of the pension depends on the average of the latest remuneration of the affiliate. Thus, a greater number of contributions can mean a better pension for the worker at the time of his retirement.
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Source: Larepublica
Alia is a professional author and journalist, working at 247 news agency. She writes on various topics from economy news to general interest pieces, providing readers with relevant and informative content. With years of experience, she brings a unique perspective and in-depth analysis to her work.
