The list of five critical points before retirement

The year of mass flight is expected to be 2026, given that the way pensions are calculated favorably, and it will be decided whether and how to increase retirement limits from 1/1/2027 due to demographic.

In particular, greater increases in pensions since January 1, 2026, is foreseen by the new method of calculation, which, instead of the average inflation of the year of ELSTAT, will include the wage change index. It is noteworthy that if the provision was applied this year, instead of the 2.7% of pensions as an increase, it would be 4%.

It is emphasized that the retirement process requires proper and timely preparation, especially for those approaching 62 years, which is today the most favorable exit limit with full pension. The acquisition of fictional years remains a crucial tool for completing the required 40 years of insurance to ensure the maximum of the pension.

It is noted that the highest pension – from 26.2 euros to 254 euros – can be received by insured persons who will extend their working lives. The most profitable of the new retirement system, compared to the Katrougalos law, are those who leave 40 years of insurance and paid contributions. In 40 years the « profits » peak compared to today’s rates.

The 5 sos

But let’s look at the 5 SOSs that pensioners need to look out for:

Confirmation

The pre -retirement certificate certifies the time of insurance of pensioners in private sector funds (IKA, OAEE, NAT, OGA, etc.) as it has been formed two years before reaching the age limit to retire, with the purpose of reaching the retirement limit.

The application for the granting of the pre -retirement certificate is mandatory for those who have more than one insurance funds, that is, for all who will retire in the provisions of successive insurance. The certificate is co -ordinated with the retirement application.

Rights

There is a fundamental pension right when the insured person completes, cumulatively and cumulatively, both the minimum required insurance time and the age limit formed. The founded right can be exercised at any time and the insured is not obliged to retire.

The pension entitled is the ability of the insured to retire on the conditions formed in the year of completion of the required insurance or age limit time.

Fictitiously

One in two insured persons use fictitious years of insurance. The acquisition of fictional years is the key to the establishment of a pension right and a reduction in the age limit of up to 7 years earlier.

With the acquisition of fictional time until 2012, the old (before 1993) insured insured the ages that were then in force.

• Parents and three -year -olds in the public: Redered years 2010 – 2012 with retroactive rights.

• Mothers of minors in IKA: 5,500 days of insurance by 2012.

• Mothers in DEKO and Banks: 25 years to 2012 for premature or reduced pension.

• Freelancers and self -employed: completion of 40 years while working.

The cost depends on the insurance category (244 – 659 €/month/year). The one -off repayment offers a discount of 2% per 100 €, and a tax discount.

Those approaching 62 should consider whether the acquisition is advantageous and decide whether to pay a one -off or through a pension (with a redemption request in the digital retirement application).

Debts

Any debts must be arranged. For amounts up to € 20,000 (or € 30,000 for professionals), withholding from doses (up to 60) and up to 60%.

EFKA does not always recognize out -of -court arrangements, causing delays. Caution is required.

Mothers

There are early retirement windows for mothers with a minor child who can take advantage of transitional age limits to retire before 62 or 67.

• A minor child by 2012.

• First insurance before 1993.

• Complete 5,500 days of insurance by 2012.

• Age of age threshold between 2015 – 2021, even if completed after 2022.