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Changes in the pension scheme. These are the new criteria for 2026

Changes in the pension scheme. These are the new criteria for 2026

With the arrival of 2026, the pension scheme enters a new phase of implementation of the reform launched in 2015, bringing significant changes to both the retirement age and the required years of seniority.

For women, the retirement age this year is set at 62, within the framework of the gradual increase provided for by law. According to this mechanism, the age increases by two months every year, until it reaches 63 years in 2032. Only after this phase will the age increase begin for men, with the objective of reaching 67 years for both sexes by 2056.

Meanwhile, the changes also directly affect seniority. Starting from January 1, 2026, the requirement for years of insurance increases to 39 years, for both men and women. For comparison, at the end of 2014, 35 years of work were enough to receive a full pension.

According to the legislation in force, seniority in work is a key element in the calculation of the old-age pension, as it directly affects the final amount that each individual benefits. The calculation formula is based on the basic social pension and the years of insurance achieved during active working life.

In 2026, the official retirement age remains 65 years for men and 62 years for women, while the increase in seniority marks one of the most significant changes for citizens who are close to retirement age.