{"id":147549,"date":"2025-12-30T11:50:16","date_gmt":"2025-12-30T10:50:16","guid":{"rendered":"https:\/\/lavozdeibiza.com\/sin-categorizar\/spain-raises-the-retirement-age-in-2026-these-are-the-requirements-to-collect-100-of-the-pension\/"},"modified":"2025-12-30T11:50:16","modified_gmt":"2025-12-30T10:50:16","slug":"spain-raises-the-retirement-age-in-2026-these-are-the-requirements-to-collect-100-of-the-pension","status":"publish","type":"post","link":"https:\/\/lavozdeibiza.com\/en\/current-news\/spain-raises-the-retirement-age-in-2026-these-are-the-requirements-to-collect-100-of-the-pension\/","title":{"rendered":"Spain raises the retirement age in 2026: these are the requirements to collect 100% of the pension"},"content":{"rendered":"

Spaniards who want to retire as of January 1, 2026<\/strong> must meet new age and contribution requirements to access 100% of the pension<\/strong>, as a result of the pension reform approved in 2013. That reform established a progressive increase in the legal retirement age from 65 to 67 over a 15-year horizon, a timetable that continues to advance. <\/p>\n

Ordinary retirement age in 2026<\/h2>\n

As of 2026, the ordinary retirement age will be 66 years and 10 months<\/strong> for those with less than 38 years and 3 months of contributions<\/strong>, two months more than required in 2025. On the other hand, workers who reach or exceed 38 years and 3 months of contributions<\/strong> will be able to retire with 100% of their pension at the age of 65.<\/strong> <\/p>\n

What has not changed is the minimum requirement for access to the contributory retirement pension, which remains at 15 years of contributions<\/strong>, of which at least two must be within the 15 years prior<\/strong> to retirement.<\/p>\n

Partial retirement: with or without relief contract<\/h2>\n

In the case of partial retirement<\/strong>, which makes it possible to combine a pension and part-time work, the regulations distinguish between two cases. If the company does not formalize a relief contract<\/strong>, the minimum age of access will be the ordinary retirement age<\/strong> applicable in each case. <\/p>\n

On the other hand, when the company does make a relief contract to cover the working day left vacant by the worker, the minimum age in 2026 will be 63 years and 10 months<\/strong> for those with less than 38 years and 3 months of contributions, or 62 years<\/strong> if at least 33 years of contributions<\/strong> have been credited.<\/p>\n

Early retirement: voluntary or compulsory<\/h2>\n

Voluntary early retirement<\/strong> allows early retirement up to 24 months<\/strong> before the legal age. In 2026, the minimum age will be 64 years and 10 months<\/strong> for those who do not reach 38 years<\/strong> and 3 months of contributions, or 63 years<\/strong> for those who do reach 38 years and 3 months of contributions. <\/p>\n

In addition, the resulting pension must be higher than the minimum pension<\/strong> that would correspond to the worker’s family situation at the age of 65. If this threshold is not reached, voluntary early retirement is not possible. <\/p>\n

In the case of involuntary or forced early retirement<\/strong>, retirement can be brought forward by up to 48 months<\/strong>. In 2026, it will be possible to retire at 62 years and 10 months<\/strong> with less than 38 years and 3 months of contributions, provided that at least 33 years of contributions<\/strong> are credited, or at 61 years<\/strong> if the working career exceeds that threshold. <\/p>\n

In both cases, however, the Social Security applies reduction coefficients<\/strong> to the amount of the pension. In voluntary early retirement, these discounts range from approximately 21% to 2.81%<\/strong>, depending on the number of months in advance and the years contributed. In forced retirement, the reductions can range from around 30%<\/strong> for four years in advance to around 0.50%<\/strong> if the advance is only one month, with larger discounts the shorter the contribution period. <\/p>\n

Delayed retirement: more incentives for delaying retirement<\/h2>\n

In the face of cuts for early retirement, the regulations also provide incentives for those who choose to voluntarily delay<\/strong> their access to a pension beyond the ordinary retirement age. This delayed retirement<\/strong> entitles to a bonus that can take three forms: an additional percentage of the pension<\/strong>, a single lump-sum payment<\/strong>, or a combination of both<\/strong> if the delay is two years or more. <\/p>\n

The reform that came into effect in April of this year<\/strong> introduced relevant changes. From the second year of delay<\/strong>, the incentive will increase by an additional 2%<\/strong> -or its equivalent in single payment or mixed mode- for each period of delay of more than six months and less than one year, without the need to wait to complete a full year. <\/p>\n

In addition, the reform made active retirement<\/strong> compatible with the payment of the late payment supplement in any of its forms. However, as long as the pensioner remains in active retirement, no new increases<\/strong> in the supplement are generated<\/strong>. <\/p>\n

Overall, the retirement system in 2026 reinforces the trend that began more than a decade ago: progressively delaying the retirement age, penalizing early retirement and rewarding, with increasing intensity, those who decide to extend their working lives.<\/p>\n","protected":false},"excerpt":{"rendered":"

As of January 1, 2026, the legal retirement age in Spain will be 66 years and 10 months for those who have not reached 38 years and 3 months of contributions. We explain all the keys to ordinary, early, partial and delayed retirement according to Social Security regulations. <\/p>\n","protected":false},"author":31,"featured_media":147545,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[4612,2910],"tags":[2912,10154],"ppma_author":[6610],"class_list":["post-147549","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-baleares-en","category-current-news","tag-actualidad-3-en","tag-retirement"],"acf":[],"yoast_head":"\nSpain raises the retirement age in 2026: these are the requirements to collect 100% of the pension - La Voz De Ibiza<\/title>\n<meta name=\"description\" content=\"As of January 1, 2026, the legal retirement age in Spain will be 66 years and 10 months for those who have not reached 38 years and 3 months of contributions. 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