{"id":1595,"date":"2025-12-17T09:34:38","date_gmt":"2025-12-17T09:34:38","guid":{"rendered":"https:\/\/adac-asociacion.org\/?p=1595"},"modified":"2026-01-20T11:41:23","modified_gmt":"2026-01-20T11:41:23","slug":"pension-recortada-40-anos","status":"publish","type":"post","link":"https:\/\/adac-asociacion.org\/ca\/pension-recortada-40-anos\/","title":{"rendered":"El precio de jubilarse antes"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1595\" class=\"elementor elementor-1595\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e34bfb7 e-flex e-con-boxed e-con e-parent\" data-id=\"e34bfb7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-942a6db elementor-widget elementor-widget-text-editor\" data-id=\"942a6db\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\n<h2 class=\"wp-block-heading\">El precio de jubilarse antes: la historia de Miguel \u00c1ngel Castillo<\/h2>\n\n<p class=\"wp-block-paragraph\">Miguel \u00c1ngel Castillo, trabajador con m\u00e1s de cuatro d\u00e9cadas cotizadas, denuncia que su esfuerzo no se ve reflejado en la pensi\u00f3n que recibe tras una reducci\u00f3n que considera injusta.<\/p>\n\n<p class=\"wp-block-paragraph\">Miguel \u00c1ngel ha trabajado durante <strong>42 a\u00f1os<\/strong>, habiendo empezado a los 17, \u00bfy su recompensa por todos estos a\u00f1os trabajados? Una <a href=\"http:\/\/El Confidencial. (2025, 14 de mayo). La Seguridad Social te quitar\u00e1 un 5,5 % de la pensi\u00f3n si te jubilas un a\u00f1o antes y has cotizado menos de 38 a\u00f1os y seis meses. El Confidencial. https:\/\/www.elconfidencial.com\/economia\/2025-05-14\/seguridad-social-quita-5-5-pension-jubilas-ano-antes-1qrt_4129645\/\">reducci\u00f3n<\/a> del <strong>24% en su pensi\u00f3n por una jubilaci\u00f3n anticipada<\/strong>.<\/p>\n\n<p class=\"wp-block-paragraph\">Miguel se ha manifestado en redes sociales a cerca de su situaci\u00f3n, a la vez que se ha afiliado a la asociaci\u00f3n <strong>ASJUBI40<\/strong>, una organizaci\u00f3n que da apoyo a pensionistas v\u00edctimas de este recorte de pensi\u00f3n. Su caso no es un error puntual administrativo, es una <strong>injusticia<\/strong> para todos los que han dedicado una gran parte de su vida al sistema, tal y como indica Miguel \u00c1ngel.<\/p>\n\n<p class=\"wp-block-paragraph\">\u00a0<\/p>\n\n<h2 class=\"wp-block-heading\">La Trampa de la Jubilaci\u00f3n Anticipada<\/h2>\n\n<p class=\"wp-block-paragraph\">En Espa\u00f1a, la pensi\u00f3n de jubilaci\u00f3n se calcula en funci\u00f3n de los <strong>a\u00f1os cotizados y la edad de<a href=\"https:\/\/adac-asociacion.org\/ca\/jubilacion-anticipada-penaliza-cotizantes\/\"> jubilaci\u00f3n<\/a><\/strong>. Pese a que una persona haya trabajado m\u00e1s de 40 a\u00f1os, como es el caso de Miguel \u00c1ngel, la ley establece penalizaciones permanentes en los casos de jubilaci\u00f3n anticipada respecto de la edad legal ordinaria. Estas penalizaciones se aplican mediante coeficientes reductores, que <strong>disminuyen la pensi\u00f3n<\/strong> de forma proporcional al <strong>tiempo que se adelanta la jubilaci\u00f3n y al tipo de jubilaci\u00f3n elegida<\/strong>. El problema es que estos recortes no desaparecen al alcanzar la edad legal, sino que se mantienen permanentemente, por lo que muchos jubilados con largas carreras ven sus pensiones reducidas entre un <strong>15\u202f% y un 30\u202f%,<\/strong> a pesar de todos sus a\u00f1os de cotizaci\u00f3n.<\/p>\n\n<h2 class=\"wp-block-heading\">El Rol de ADAC en la Defensa contra las Penalizaciones Injustas<\/h2>\n\n<p class=\"wp-block-paragraph\"><strong>ADAC<\/strong>, como asociaci\u00f3n que defiende los derechos de los ciudadanos y contribuyentes, <strong>ofrece apoyo a pensionistas<\/strong> en situaciones como la de Miguel \u00c1ngel. La entidad asesora sobre los derechos de los jubilados y promueve campa\u00f1as para que las administraciones reconozcan y corrijan los casos de penalizaciones excesivas, buscando un sistema de pensiones m\u00e1s <strong>justo y equitativo<\/strong> para quienes han trabajado toda su vida.<\/p>\n\n<p class=\"wp-block-paragraph\">\u00a0<\/p>\n\n<p class=\"wp-block-paragraph\">\u00a0<\/p>\n\n<p class=\"has-text-align-right wp-block-paragraph\">Imagen creada con ia (Sora)<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>El precio de jubilarse antes: la historia de Miguel \u00c1ngel Castillo Miguel \u00c1ngel Castillo, trabajador con m\u00e1s de cuatro d\u00e9cadas cotizadas, denuncia que su esfuerzo no se ve reflejado en la pensi\u00f3n que recibe tras una reducci\u00f3n que considera injusta. Miguel \u00c1ngel ha trabajado durante 42 a\u00f1os, habiendo empezado a los 17, \u00bfy su recompensa [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":1598,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37],"tags":[29],"class_list":["post-1595","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pensiones","tag-jubilaciones"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Esfuerzo no Recompensado<\/title>\n<meta name=\"description\" content=\"Jubilaci\u00f3n anticipada: \u00bfPor qu\u00e9 tener 40+ a\u00f1os cotizados resulta en una penalizaci\u00f3n permanente del 24% en la pensi\u00f3n?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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