Asesores Pensión de Jubilación: Nuevo Artículo de OYA Abogados & Asesores

¿Te preocupa tu pensión de jubilación?, ¿no sabes la edad a la que podrás jubilarte, ni las condiciones que tendrás? ¡No te preocupes!, en nuestro artículo de hoy hablamos de esta prestación económica, de sus requisitos y de los plazos para su tramitación.


 La pensión de jubilación es una prestación económica vitalicia que se concede al trabajador cuando, a causa de la edad, cesa en el trabajo. Actualmente la edad exigible para la jubilación son los 67 años, o los 65 si se acredita un total de 36 años y 3 meses cotizados.

No obstante, las edades de jubilación y el período de cotización anteriores se aplicarán de forma gradual, es decir, que dependiendo del año en el que nos corresponda la jubilación, se nos exigirá una cotización u otra. Aquí podéis ver el cuadro con la evolución de edades y cotizaciones.

¿Cuándo se debe solicitar la pensión de jubilación?

Los trabajadores que se encuentren dados de alta en la Seguridad Social podrán presentar la solicitud de pensión de jubilación dentro de los tres meses anteriores o posteriores a la fecha de cese en el trabajo.

¿Cuándo se inicia el pago?

Si la solicitud se presenta dentro de los tres meses anteriores o posteriores al cese, se empezará a contar desde el día siguiente al cese de la actividad para los efectos económicos de la pensión.

Si por el contrario la solicitud se presentara fuera de estos plazos, los efectos económicos de la pensión podrán tener una retroactividad máxima de tres meses desde la presentación de la solicitud.

Pero, ¿qué ocurre si llegado el momento no cumples con los años de cotización requeridos? No pasa nada, también se podría acceder a la pensión, pero teniendo en cuenta que el periodo mínimo exigido de cotización será de 15 años. Y si tampoco cumples con este requisito, existe la posibilidad de que puedas ser beneficiario de una pensión de jubilación no contributiva, una prestación que se concede a todas aquellas personas que estén en situación de necesidad, carezcan de recursos suficientes y no hayan cotizado nunca o no tengan el tiempo mínimo de cotización para acceder a una pensión de jubilación contributiva.

¿Qué requisitos son necesarios para pedir una pensión de jubilación no contributiva?

– Tener como mínimo 65 años.

– Tener residencia legal en España, acreditando como mínimo 10 años de residencia en España, de los que dos deben haber sido inmediatamente anteriores a la fecha de solicitud de la pensión no contributiva y de forma ininterrumpida.

– Carecer de rentas o que los ingresos no superen los 5.164,60 €, siempre que sea unipersonal.

– No cumplir con los requisitos para solicitar la pensión de jubilación contributiva.


En OYA Abogados & Asesores contamos con un equipo de Asesores Laborales en Granada que te aconsejarán y analizarán tu cotización para calcularte la cuantía de tu pensión y que te gestionarán el trámite para garantizarte el máximo beneficio. Llámanos al 958 094 400 o visítanos en nuestras oficinas de Camino de Ronda, número 133.

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