The contribution gaps During the last years of working life they affect the final amount of The pensionAlejandro Fernández, a specialist in Labor Law and Social Security, warns.
In their social networks, the expert warns that many people underestimate the impact that these periods can have on their income in the subsequent retirement.
Fernández explains that, “today, in 2025, Your retirement pension is calculated by making an average of the price of the last 25 years”
The expert details that the regulatory base is obtained by adding the contribution bases of the last 25 years (300 months) and dividing them by 350 – this to take into account the extraordinary payments – and that then a percentage is applied depending on the quoted years (with 15 years 50 % would be reached and the full coverage would require about 37 years of quotation).
In this context, the expert clarifies that “The periods in which you do not quote within that range of 25 years are called contribution lagoon“And that, although” Social Security fills that hole fills it with the minimum contribution base “, which significantly influences the final amount of the amount.
The lawyer emphasizes that “Every year counts, and the latter are absolutely crucial“Well,” incuring several lagoons in the final stretch of the work race can destroy the average and cause your pension to be much lower than you expected. “
According to Fernández, practices such as working “in black” or accepting contracts based on lower price to real salary constitute a threat to the worker’s future: “TRabajar in black or accept contracts based on your salary, your future is costing you”
To avoid surprises, the expert recommends that citizens periodically review their labor history: “Download your work life report and close your quotes closely,” he emphasizes, and adds that “your future is constituted from each payroll. It requires quoting for what you really want.”
