The idea of leaving work before the legal age and starting to receive pension early is appealing to many. In 2025, the official age of access to the reform is set in 66 years and 7 months. Still, the law opens doors for some workers to be able to request early reform. The decision, however, has consequences in the value of the pension and not everyone can escape the cuts.
According to the Ekonomist, a website specializing in Personise Economics finance, the law provides for a set of situations in which it is possible to reform before the legal age. To be entitled, it is necessary to meet certain requirements.
Among them is the possibility of requesting the reform with 60 years and 40 discounts, under the so -called flexibility regime.
Another hypothesis is 60 years old and 48 of discounts or 46 years of career if you have started working before the age of 17, a very long career reserved.
Flexibility regime
Those who are 60 years old and 40 discounts can request the pension earlier without suffering the sustainability factor, which in 2024 corresponds to a cut of 15.8%. However, the cut of 0.5% is maintained for each month of advance.
Thus, a worker who brings together more years of discounts can reduce the personal renovation age by four months for each year beyond 40, but does not escape the monthly cut if it renovates before this adjusted age.
Very long careers
Already in the case of very long careers, just 60 years and 48 discounts or 46 years of discounts began to work before 17. Here also does not apply the sustainability factor.
Involuntary unemployment
Another expected situation is long -term unemployment. Anyone who has lost their employment and exhausted the right to subsidy can access the reform earlier, but with penalties.
At 57, the cut is 0.5% for each month until 62. Already from 62 years, the law provides that the reform be attributed without additional cuts, provided that the required conditions are met.
In cases of cessation by mutual agreement, a reduction of 0.25% for each year is missing until legal age is applied.
High wear professions
The law also includes specific regimes for professions with high physical wear, such as miners, wooden embroiderers, dancers, fishermen or air controllers. In these cases, the age of access is reduced and in some, the sustainability factor does not apply.
There are also their own rules for workers covered by international agreements in the Azores, Firefighters, Pilots or Professionals of the Merchant Navy.
Public function
In public administration it is also possible to request early reform. For those who had 36 years of service until December 2005, the penalty is 4.5% for each year missing for the normal renovation age. The rest face cuts of 0.5% for each month of anticipation, with no mechanisms of poultry.
According to, whether in the private or public sector, early reform almost always implies a significant reduction in the pension value. It is therefore essential that each worker evaluates the numbers well before moving on with the order.
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