The woman charges € 500 less of medium pension, while the reform of the gap plus is stagnant
The gender gap in pensions has a Cost in the Spanish economy of 28.5 billion of euros, figure equivalent to 1.8% of national GDP, According to a study presented by Mapfre (@fmapfre) and the CLOSINGOP ASSOCIATION.
This impairment of economic activity translates into the No creation of almost 500,000 jobs And in a public income of 4,900 million euros per year for personal income tax and VAT, according to this report.
Titled as Opportunity cost of the gender gap in pension and pension savings, The study is an update of another made in 2019. From Closingop and Mapfre they have stressed that, although the new report reflects an improvement with respect to the 2019 analysis, the evolution “remains slow.”
Thus, the report warns that, in 2024, 10.5% of men chose to delay their retirement compared to only 7.8% of women, “Reflection of the greatest difficulties to fulfill the required contribution years or to prolong their working life by assuming unpaid care.”
It is urgent to accelerate the closure of this gap
In the presentation of the study, the President of Mapfre, Antonio Huertas, He has called for the action of Spanish society “to accelerate the closure of this gap.” Thus, he has warned that in a couple of decades most of the population will be “senior population, retired or not”, and therefore they need to have “financial sufficiency to be able to lead the impulse to economic activity and continue to contribute value.”
The meeting has also had the Secretary of State for Social Security and Pensions, Borja Suárez, For whom “the gender gap is the main problem of the Social Security and Pension System from the perspective of protective action.” When saying number two of the minister Elma Saiz, It is “essential to act in the origin of the structural discrimination of women: the labor market.”
I thank @Mapfre your invitation to participate in the day on #Closingop
🗣️ “The reduction of the gender gap is the main challenge of the #Social security. The great transformation of the labor market has promoted the use of women and their contribution bases ” pic.twitter.com/rz4kx7oqyj
– Borja Suárez Corujo (@corujoborja) SEPTEMBER 29, 2025
Women charge 510 euros less
The study reveals that, in 2024, women perceived a average contributory pension of 1,100 euros per month, compared to the 1,600 euros of men, which is a difference of 510 euros per month, equivalent to a relative gap of 31.9%.
In addition, only el 57% of pensioners receive a retirement pension, compared to 82% of men. In parallel, three out of ten older women depend on a widow’s pension, a practically residual modality in the case of men.
The least female participation in the labor market, which translates into shorter tax races and in a wage gap that is around 20%, Explain a good part of this inequality, adds the study, which adds to this data a lower capacity for pension and patrimonial savings.
Lower heritage in older women
The report also shows that in 2022 the Women over 67 years accumulated at average 6,700 euros less in Net Heritage than men. This difference, although it has been reduced compared to 2016 thanks to a lower gap in real estate assets, contrasts with what happened in private pension plans, where the gap between men and women has grown at 1,000 euros per person in just six years.
For Closingop president, Marieta Jiménez, “It’s about ensuring that young women who start their career come to retirement without forced resignations. That the call Silver Age Be, in reality, a golden age. “
“We have before us an immense challenge, but also a historical opportunity: to demonstrate that every year won can also be a more fair, more prosperous and more human year. That is the country that our mothers deserve, our daughters and, above all, ourselves as a society,” Jiménez claimed.
Less money for care
In the field of agency, the report indicates that women live more years than men, but they do it “in worse health conditions and with less economic resources to face care costs.”
According to Closingop and Mapfre, to starting at 80, the cost of the unit multiplies by 1.8 the average female pension, “An unassumable burden for many women who, even resorting to their assets, lack sufficient assets to cover it.”
To solve these differences, the study proposes five lines of action, both from the public and private perspective:
– Strengthen the public pension system with a gender approach.
– Promote equality in the labor market.
– Promote female pension savings.
– Improve attention to dependence.
– Evaluate the impact of reforms from a gender perspective.
