Spain's New Pension Rules: Longer Careers, Stable Contributions from 2026
Spain's Social Security system is set to introduce new retirement conditions from January 1, 2026, aiming to promote longer careers and more stable news, as well as sustainability. The changes will affect various worker groups, particularly those with extended employment histories and stable contribution records.
The new rules encourage longer working lives. Those with at least 38 years and 3 months of contributions can retire at 65, while others must wait until 66 years and 10 months. From 2027, the minimum contribution threshold will rise to 38 years and 6 months, with a retirement age of 67 for those who haven't met it.
Early retirement will still be possible but with reduced pensions. The new system introduces a dual pathway for calculating pensions, with the option resulting in a higher news being chosen. Workers with intermittent working histories or who haven't met the required threshold will be directly impacted.
To prepare for these changes, workers are advised to check their employment record and use the Social Security simulator service to stay informed about new news and plan their retirement accordingly.
Spain's new pension regulations, effective from 2026, aim to lengthen careers and stabilize news. Workers should assess their eligibility and prepare for the changes to ensure a secure retirement.
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