Procedure · Employment Advisory

Retirement

We manage your retirement pension application so you receive the maximum amount you're entitled to. Free prior estimate, ordinary, early and active retirement.

Prior estimate, no obligation Ordinary and early retirement Gender gap supplement and special schemes

When and how do we process your retirement?

🗓️ Ordinary retirement

Upon reaching the legal age (currently 66 years and 8 months for those with under 38 years of contributions, or 65 with 38 years of contributions). We calculate how much you'll receive.

⏩ Early retirement

Voluntary (2 years early with 35 years of contributions) or involuntary (4 years early with 33 years of contributions, for reasons not attributable to the worker). Reduction coefficients apply.

💼 Active / partial retirement

Compatible with part-time or full-time work (with restrictions). We advise you on which option maximises your total income.

Request this procedure

The form automatically adapts the required documents to your personal situation.

1. Personal details
2. Type of retirement
3. Mandatory military service
Added to the required documents: Military service booklet or equivalent certificate proving the military service completed. This period may count towards your contributions.
4. Gender Gap Supplement

Since 2021 there has been a pension supplement for the gender contribution gap, for people who had children and saw their contribution record reduced as a result. It can increase the monthly pension.

  • 📋
    Children's ID Required
    Photocopy of each child's ID or NIE (or parents' ID if the children are minors).
  • 📋
    Family Record Book or Civil Registry Certificate Required
    To prove each child's parentage.
  • 📄
    Adoption Ruling or Certificate Required
    Judicial or administrative document proving the adoption of each adopted child.
5. Base documents (always required)
  • 🔐
    Digital Certificate Required
    To file the request online with Social Security.
  • 🏦
    Account number (IBAN) Required
    Bank account the pension will be paid into each month.
INTERNAL DEVELOPMENT NOTE: Check whether there are specific requirements or additional benefits for maritime workers (Instituto Social de la Marina) and automatically adapt the form when the client indicates this status. Pending implementation in v2.
✅ Request received. We will get in touch with you within 24 hours to calculate your pension and coordinate the process.
⚠️ The request could not be sent. Call us on 642 29 88 22 or write to us on WhatsApp.

Frequently asked questions

When should I apply for retirement?
You can apply up to 3 months before the planned retirement date. Social Security can take several months to resolve the request, so it is advisable to start the process well in advance.
What is the gender gap supplement?
It is a supplement added to the retirement, permanent incapacity or widow's/widower's pension of people who had children and suffered a contribution gap as a result. Its amount varies according to the number of children and the applicant's gender (it varies between men and women following the 2021 reform).
Does military service count as contributions?
Yes, since 1985 legislation has allowed military service to be counted as a contribution period. You need to provide the supporting document (military service booklet or certificate from the Ministry of Defence) for it to be included in the calculation.
Can I retire earlier if I worked in special conditions?
Yes, certain groups (miners, maritime workers, firefighters, Civil Guard officers, etc.) have reduced retirement ages and special reduction coefficients. At Gestoría Gala we check whether your activity entitles you to these benefits.
What happens if I retire early?
Reduction coefficients apply, lowering the pension by between 1.625% and 2% for each quarter retirement is brought forward. The exact calculation depends on the years contributed. We give you a comparative calculation before you decide.

How much retirement pension are you entitled to?

We give you a free, no-obligation prior estimate. Over 35 years processing retirement pensions.

Call 642 29 88 22 Direct WhatsApp