Differences with the retirement of salaried workers

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The retirement requirements for self-employed and salaried workers are significantly different, although they also share some aspects in common.

The retirement age is the same for both groups. Both self-employed and salaried workers must have contributed for a minimum of 15 years to be eligible for a retirement pension.

The calculation of the regulatory base of the pension is carried out in a similar way for both types of workers. If a person has contributed to both schemes, the contribution bases of each are added together to determine the pension. However, if the requirements for accessing two pensions are not met, the pension of the scheme in which the minimum requirements are met must be chosen.

Differences
There are significant differences in the way contributions argentina email list are managed. Self-employed workers do not have a gap-integration system, so periods without contributions are not compensated in the same way as in the case of salaried workers.

Furthermore, the contribution bases for self-employed workers are calculated based on their annual net income and are subject to minimum and maximum limits established by law. As a result, the average pension for self-employed workers is significantly lower than that of salaried workers.

Benefits and disadvantages
Self-employed workers can benefit from flexibility in choosing their contribution base, which can allow them to increase their future pension.

However, they also face disadvantages such as a lack of unemployment benefits and the need to plan their retirement more independently.

Supplements and bonuses for self-employed workers
Private pension plans are a viable option for self-employed people who wish to supplement their public pension. These plans allow them to save additionally for retirement, offering tax benefits and greater financial security in retirement.

For example, there is a rent supplement for those with non-contributory pensions, as well as discounts on electricity and telephone bills. Specific aid is also offered for self-employed people who have become parents, including maternity and paternity-related benefits.

Tax credits
There are several tax credits available to self-employed individuals who contribute to private pension plans or make other long-term investments. These credits can reduce the tax burden and increase the savings available for retirement.

Additional aids
Low-income self-employed workers can access specific support programmes, such as additional retirement benefits. These programmes are designed to ensure that all self-employed workers have access to a decent retirement, regardless of their income during their working life.

For example, the Minimum Vital Income is complemented with specific aid for families with dependent children, which can benefit many self-employed workers in vulnerable situations.