Retirement pension
Pensión de jubilación
What it is
The ordinary retirement pension under the General Scheme is for affiliated people who meet the required age, minimum contribution period and qualifying event. The age depends on how long you have contributed: in 2026, 65 with 38 years and 3 months of contributions or more, and 66 years and 10 months with less; from 2027, 65 with 38 years and 6 months of contributions, and 67 with less. You need at least 15 years of contributions, 2 of them within the previous 15 years. It is managed by the INSS (the ISM for seafarers); foreign nationals identify themselves with a passport or identity document from their country and their NIE.
Official wording
A partir de 1-1-2013, la edad de acceso a la pensión de jubilación depende de la edad del interesado y de las cotizaciones acumuladas a lo largo de su vida laboral, requiriendo haber cumplido la edad de: 67 años o 65 años cuando se acrediten 38 años y 6 meses de cotización.Official sources
- Where it applies
- All of Spain
Official information
Official sources
When
On reaching the ordinary age, which depends on your contributions: in 2026, 65 with 38 years and 3 months or more, otherwise 66 years and 10 months; from 2027, 65 with 38 years and 6 months or more, otherwise 67.
Official wording
67 años o 65 años cuando se acrediten 38 años y 6 meses de cotización.Official sources
Steps
Step 1: Check your contributions
You need at least 15 years of contributions (5,475 days), 2 of them within the previous 15 years.
Official wording
Período de cotización genérico: 15 años (5.475 días), a partir de 25-05-2010.
Official sources
Step 2: Submit the application
Online on the Social Security Benefits Portal, or with the printed form and documents at a CAISS by appointment, or by ordinary post to the nearest Provincial Directorate. The INSS handles it.
Official wording
Para solicitar la prestación, se puede acceder al servicio en el Portal de Prestaciones de la Seguridad Social
Official sources
Documents
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🖨 Printable bilingual document card (you can show it at the counter)
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FAQ
Can I retire earlier?
Only if registered or in an equivalent situation, in special cases: early retirement from 61 (60 for mutual-fund members), partial retirement, occupations with age reductions or disability, among others.
Official wording
Jubilación anticipada a partir de los 61 años sin tener la condición de mutualista.Official sources
Related procedures
Terms used on this page
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