In the context of the vote of the Base Law, these data are of great relevance in the debate. Without the possibility of moratorium, between seven and eight people would not have been able to retire under the General Regimewhich marks what could happen from now on if the Senate approves the project as proposed.
The majority of workers who do not meet the minimum requirement is because at some point they accessed some informal work activitywith employers who did not have them registered.
Of the 481,444 discharges that were registered last year, about 86%, that is, 416,482 people resorted to the moratorium. Another revealing fact is that more than half of the cases (259,225) involved women, mostly between 60 and 62 years old (209,318).
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Possible modifications in retirements.
Depositphotos
The high female proportion It is due, for example, to the fact that Private House staff, 1.2 million employees, a figure that represents more than 70%, is not registered. In terms of social activities, more people work informally than those who are registered.
In turn, when taking into account those who retired due to moratorium in 2023, it can be seen that the majority accumulated less than 14 years of effective contributions after 1994, as monotributistas or in a dependency relationship in the private sector.
The new moratorium for retirees proposed by the Government
If the law, which the Government of Javier Milei insists on approving, passes the approval of the Senate, the main changes will perhaps be seen in older women, who They must wait until they are 65 years old to retire, in case they do not previously comply with the years of effective contributions.
Finally, they can do it through the Pension for the Elderly (PUAM) Or the Proportional Retirement Benefit. The latter is the new benefit that was approved in Deputies by 125 positive votes against 113 negative and 3 abstentions, in which The credit will depend on the years actually contributed.
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Women who do not comply with the 30 years of contributions will have to wait until they are 65 years old.
In the case of the Proportional Retirement Benefit (PRP)a permanent regime for men and women delegating to the Executive Branch to set the parameters and conditions of the new benefit, as agreed in the Lower House.
Based on the years contributed by those who retired due to moratorium, it appears that for the vast majority the initial credit would represent a very low income. For this reason, it is discounted that the PRP would have as a floor the value of the PUAM, which is equivalent to 80% of the minimum contributory income.
He PUAM value in May will be $152,113 added to $70,000 bonus that, instead of being integrated into current assets, it would remain frozen, as happened in April. Furthermore, this pension coverage does not give the right to a widow’s pension, and is acquired if it is proven that one is in situation of social vulnerability.
Another aspect to take into account is that the retired by the General Regime can work in a registered manner and collect retirement, while the PUAM does not allow working in a dependency relationship formally or registered self-employed, except for those adhered to the social monotax, a category that would be repealed as approved by Deputies.
