I am retiring, or I have to fight for a pension or a grado de dependencia (long-term care rating).
Pensions and long-term care (dependencia)
Ordinary, early, partial and active retirement; survivors' pensions (viudedad), orphans' pensions (orfandad) and permanent disability pensions; non-contributory pensions, and official recognition of your grado de discapacidad (disability rating) and grado de dependencia (long-term care rating).
17 procedures. We file them with the administration ourselves, with your signed mandato.
- Application for Early Retirement on Grounds of Disability or Arduous Occupations301 €Bring forward your retirement age and draw 100% of your pension with no reduction. We handle your application to the Seguridad Social (Social Security), analysing your contribution record and evidencing your degree of disability (45% or 65%) or the application of reducing coefficients for exceptionally arduous or hazardous work.
- International Retirement Pension Application (Social Security Agreements and EU)301 €We calculate and file your retirement pension by adding together the contribution periods paid in Spain and abroad. We handle the coordination between administrations and the international forms so that you do not lose a single year of contributions.
- Challenging a discharge from sick leave and requesting a change of contingency before the INSS241 €We challenge your medical discharge so that you keep your benefit if you have not yet recovered. And if your mutua (collaborating insurance body) has classified your situation wrongly, we apply for it to be changed to an occupational contingency (accident at work or occupational disease) to improve your terms.
- Retirement pension application (INSS)182 €We process your retirement pension application with the INSS (National Social Security Institute). It covers 5 types: ordinary, voluntary early retirement (-2 years), involuntary early retirement (-4 years), partial retirement with a contrato de relevo (relief contract) and active retirement compatible with work. We calculate your estimated pension using the contribution scale and, where applicable, the early-retirement reduction coefficient. This is a working estimate: the final amount is granted by the INSS in its decision.
- Application for partial retirement to the INSS (LGSS art. 215 + contrato de relevo, ET 12.7)182 €Application to the INSS (National Social Security Institute) for partial retirement: with a contrato de relevo (replacement contract) (LGSS 215.2 - age >= 60, 33 years of contributions, working-time reduction of 25-75%) or without a replacement worker at the ordinary retirement age (LGSS 215.1 - reduction of 25-50%). We calculate your estimated partial pension, draft the application to the CAISS/sede electrónica (online portal) and advise the employer on its obligations regarding the replacement contract and the special contribution agreement under RD 1131/2002.
- Application for jubilación activa (working while drawing your state pension)180 €We apply to the INSS (Spanish Social Security pension authority) for jubilación activa (art. 214 LGSS): drawing your pension while working, either employed or self-employed. You must have reached the ordinary retirement age and have accrued 100 % of the base reguladora (pension calculation base). The pension is paid at 50 %, or at 100 % if you are self-employed with an employee on your payroll (RDL 8/2023).
- Pensión a favor de familiares (survivor's pension for other relatives, INSS)156 €We handle the application for a lifetime pension or a temporary allowance (12 monthly payments) in favour of relatives before the INSS (National Social Security Institute), for grandchildren, siblings, parents or grandparents of the deceased who were financially dependent and had lived with them for at least 2 years. Legal framework: LGSS arts. 226-227 + RD 1647/1997 + Ley 39/2015. 6 family relationships + 2 benefit types.
- Jubilación anticipada (early retirement, voluntary or involuntary)121 €We handle your jubilación anticipada (early retirement, arts. 207-208 RDLeg 8/2015 LGSS, as amended by RDLey 2/2023). Two routes: VOLUNTARY (art. 208: up to 2 years early, at least 35 years of contributions, and the resulting pension must be above the minimum) or INVOLUNTARY, following a job loss you did not choose (art. 207: up to 4 years early, at least 33 years of contributions, 6 months registered as a jobseeker, and a cause not attributable to you). We calculate the reduction coefficients under the RDLey 2/2023 table (3-21% for each month brought forward, depending on your years of contributions), the base reguladora (the average of the last 25 years), the percentage applied to it, the maximum cap (3.267 €/month in 2026), the minimum pension for your family situation, the IRPF (income tax) withholding and the INSS procedure.
- Ley de Dependencia (long-term care law): PEVS, family carer and personal assistant120 €We handle the Programa Individual de Atención (PIA, individual care plan) once your level of dependency has been recognised: choose between PEVS (an accredited service), PECEF (family carer) or PEAP (personal assistant), with an indicative calculation of the amount based on your level and your financial capacity. Legal framework: Ley 39/2006 SAAD arts. 14-19, 28-29 + RD 1051/2013 + RD 675/2023 + Resolución IMSERSO 23/2/2022. 6 benefits + 3 levels.
- Pensión de viudedad (widow's/widower's pension, INSS)108 €We process your pensión de viudedad (widow's/widower's pension) before the INSS following the death of a spouse, an ex-spouse with a pensión compensatoria (compensatory pension) or a registered pareja de hecho (civil partner). We check the qualifying contribution and relationship requirements, calculate the applicable percentage (52 %, 60 % or 70 %) and the monthly amount based on the deceased's regulatory base.
- Pensión de orfandad (INSS) (orphan's pension)108 €We process your pensión de orfandad (orphan's pension) with the INSS following the death of a parent. We cover all 5 scenarios (under 21, up to 25 if studying, disability 33-64 % up to 25, disability >=65 % for life, full orphan). We calculate the amount at 20 % of the regulatory base (simple orphanhood) or 20 % + distribution of the unclaimed widow's/widower's pension (full orphanhood).
- Incapacidad permanente (INSS permanent disability): partial, total, absolute or major disability35 €We handle your Incapacidad Permanente (permanent disability) benefit application before the INSS. We cover all 4 grades (partial, total, qualified total, absolute and major disability) and the 4 contingencies (EC, ANL, AT, EP). We calculate your estimated amount based on the regulatory base, check the minimum and supplementary qualifying periods, and advise you on the PNC route if you do not reach the contributory pension.
- Pensión No Contributiva (PNC) de Jubilación: non-contributory retirement pension (LGSS arts. 369-372)35 €We handle your application for the PNC de Jubilación (non-contributory retirement pension) before the Servicios Sociales (social services) of your Comunidad Autónoma: age ≥ 65, 10 years of legal residence (2 of them immediately before the application) and insufficient income. We calculate your estimated monthly amount (≈535 €/mes 2026, 14 payments a year) with the proportional reduction that applies according to your personal income.
- Pensión No Contributiva (PNC) de Invalidez: non-contributory disability pension (LGSS arts. 363-368)35 €We handle your application for the PNC de Invalidez (non-contributory disability pension) before the Servicios Sociales (social services) of your Comunidad Autónoma. Age 18-64, 5 years of legal residence (2 of them immediately before the application), a recognised disability of ≥ 65% and insufficient income. We estimate your monthly amount, including the 50% supplement for needing the help of another person if your disability is ≥ 75%.
- Application for recognition/review of the grado de discapacidad (official disability rating) (RD 888/2022 + RDLeg 1/2013)35 €Application to the assessment body of your Comunidad Autónoma (regional government) for initial recognition, review because your condition has worsened or improved, or recognition transferred from another Comunidad Autónoma, of your disability rating. Once 33 % is recognised, you gain access to IRPF (income tax) deductions, the reserved quota in public-sector employment, reduced VAT on adapted vehicles and adapted parking spaces. Maximum decision deadline: 6 months (RD 888/2022 art. 13).
- Application for recognition of dependency status (Ley 39/2006 + RD 174/2011)35 €Application to the social services body of your Comunidad Autónoma (regional government) to recognise dependency status (Grade I moderate, Grade II severe, Grade III major dependency) and to draw up the Programa Individual de Atención (PIA, individual care plan) with telecare, home help, day or night centre, residential care or a cash benefit linked to services, family care or a personal assistant. Maximum decision deadline: 6 months.
- Complemento por mínimos (minimum-pension top-up) for contributory pensions (LGSS art. 59)11 €We draft the application to the INSS (National Social Security Institute) for the complemento por mínimos (minimum-pension top-up) on contributory pensions (retirement, permanent incapacity, widowhood, orphanhood, family-member pensions) where the amount is below the legal minimum and your annual income does not exceed the threshold set by the PGE (State Budget Act). We check the amounts, your family situation (with or without a dependent spouse) and residence in Spain (the top-up cannot be exported). Maximum backdated effect: 3 months (LGSS art. 53).