From what age will it be possible to retire early in 2023


News for the future retirements scheduled for next year. The ordinary retirement age is delayed in 2023, according to the calendar that has been applied progressively since 2013. Therefore, this will also determine a delay in the ages from which it will be possible to access the voluntary and involuntary early retirement in 2023. So BBVA has just published it on its Blogunder the section ‘My Retirement’.

The ordinary legal retirement age has been increasing year after year, during a transitory period that began in 2013 and will end in 2027, due to a delay of 2 months for each year elapsed since 2018 and one month for each year elapsed between 2013 and 2018. At the end of this transitional period, from 2027 the ordinary retirement age will be 67 years in the case of those people who have contributed less than 38 years and 6 months, and 65 years if a contribution period of 38 years and 6 months or more accumulates.

When can I retire in 2023?

In 2023, the ordinary legal retirement age is delayed by two months compared to 2022, for those who have contributed less than 37 years and 9 months. In case of having contributed less than those 37 years and 9 months, the retirement age in 2023 will be 66 years and 4 months. On the other hand, if they are 37 years old and have a contribution period of 9 months or more, the person may retire at 65 years of age.

  • For those who have posted less than 37 years and 9 months: two months late. The retirement age will be 66 years and 4 months.
  • For those who have contributed 37 years and 9 months or more contribution period: you can retire at 65 years of age.

The minimum age for voluntary early retirement in 2023

To access voluntary early retirement It will be necessary to meet some general requirements, such as in the case of having al least 35 years of contributions to Social Securityof which 2 years of contribution must be included in the 15 years prior to the date of retirement, as well as that the amount that corresponds to receive as a pension is greater than the minimum pension that would correspond to him when he turns 65.

  • It will be necessary to be at least an age of 64 years and 4 months if you are under 37 years of age and have 9 months of contributions.
  • It will be possible to access voluntary early retirement from the 63 years in case of having contributed 37 years and 9 months or more.

Before starting work, it should be clarified that the voluntary retirement It is the one that is accessed by a personal decision of the worker, in which case he chooses to stop carrying out his work activity and requests retirement. In the case of the forced early retirement, or involuntary, is that derived from the non-voluntary termination of the worker. Therefore, it supposes the premature expulsion of the person from the labor market. This case occurs, to give an example, when the cause was due to ERE, collective dismissal, force majeure, or disability or death of the employer. Of course, it is vitally important to know that the involuntary retirement employees can access, but not self employed.


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