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Retirement pension application (INSS)

Retirement pension application (INSS) is filed with Instituto Nacional de la Seguridad Social (INSS) - Tu Seguridad Social. With Managora you do it 100% online: you answer a few questions, sign a digital mandato (power of representation) and we draft, sign and file your application for you. Estimated total cost: €150 to €159.

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.

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Estimated total cost
€150 to €159
Managora's fee
€181.50 (21% VAT incl.)
Tasa (official government fee)
No tasa payable
Processing time
The application can be submitted up to 3 months before the planned effective date. It can also be submitted afterwards, with a maximum backdating of 3 months from the application. The INSS has a maximum deadline of 90 days to decide. The date of the first payment is set by the INSS in its decision.
Where it is filed
Instituto Nacional de la Seguridad Social (INSS) - Tu Seguridad Social ↗
What you receive
Application

Cost breakdown: Our fee 150 €. The INSS does not charge any tasa (official fee) for the retirement pension application: there is no payment to the Administration. If you need us to obtain your informe de vida laboral (working-life report) for you, that is 9 € more in our fee (the Seguridad Social issues it free of charge)..

Retirement pension application (INSS): how is it filed?

  1. 1Answer the chat questions (~7 minutes).
  2. 2We calculate your estimated pension based on the contribution scale + early-retirement reduction coefficient if applicable.
  3. 3Payment of 150 €.
  4. 4Sign the mandato (power of attorney) from your mobile.
  5. 5Application submitted at sede.seg-social.gob.es by our specialist.
  6. 6You receive the submission acknowledgement, a full copy of the application, the signed mandato and the invoice. The INSS has a maximum deadline of 90 days to decide and will notify you of its decision; we monitor the case file.

Which documents do you need?

  • •Up-to-date informe de vida laboral (working-life report). The Seguridad Social issues it free of charge; if you prefer us to obtain it for you, that is 9 € in our fee.
  • •If it is involuntary early retirement: company certificate stating the cause of termination, dismissal letter / ERE (collective redundancy procedure) agreement.
  • •If you have dependants: libro de familia (family book), certificate of cohabitation, spouse's income tax return.
  • •If it is partial retirement: contrato de relevo (relief contract) signed by the company and the relief worker.

Legal basis and things to bear in mind

  • Legal retirement age in 2026 (disposición transitoria 7.ª LGSS, transitional provision 7 of the LGSS): 66 years and 10 months if you can prove less than 38 years and 3 months contributed, or 65 years if you can prove 38 years and 3 months or more. In 2027 the scale reaches its cap: 67 years, or 65 years with 38 years and 6 months contributed.
  • Base reguladora (regulatory base): the average of the contribution bases of the last 25 years (300 months) divided by 350. If you have months without contributions, they are filled with minimum bases (integración de lagunas, gap integration). From 2026, and gradually, an alternative calculation coexists that takes more years and discards the worst months: the INSS applies the more favourable result automatically, and we check it when preparing your application.
  • There is a maximum cap on public pensions that the Ley de Presupuestos (annual Budget Law) updates each year, so the amount in force changes from one year to the next. If your calculation is close to that cap, we confirm the maximum amount applicable to your effective date before submitting the application.
  • The early-retirement reduction coefficient is PERMANENT: it is not recovered when you reach the legal age. Think it through carefully before opting for voluntary early retirement.
  • Active retirement: Real Decreto ley 11/2024 changed the rules with effect from 1 April 2025. The percentage of pension compatible with work is no longer a fixed 50 %: it grows the more you delay your retirement beyond the ordinary age and increases if you are self-employed with at least one employee. Anyone already in active retirement before that date keeps their previous arrangement. We calculate your specific percentage with your data.

Retirement pension application (INSS): frequently asked questions

Retirement pension application (INSS): how much does it cost?

The estimated total cost (our fee + official tasas and taxes) is €150 to €159: Our fee 150 €. The INSS does not charge any tasa (official fee) for the retirement pension application: there is no payment to the Administration. If you need us to obtain your informe de vida laboral (working-life report) for you, that is 9 € more in our fee (the Seguridad Social issues it free of charge).. Managora's fee is €181.50, 21% VAT included (€150.00 net + €31.50 VAT). This procedure carries no official tasa.

Retirement pension application (INSS): how long does it take?

The application can be submitted up to 3 months before the planned effective date. It can also be submitted afterwards, with a maximum backdating of 3 months from the application. The INSS has a maximum deadline of 90 days to decide. The date of the first payment is set by the INSS in its decision.

Retirement pension application (INSS): which documents do I need?

You need to have to hand: Up-to-date informe de vida laboral (working-life report). The Seguridad Social issues it free of charge; if you prefer us to obtain it for you, that is 9 € in our fee., If it is involuntary early retirement: company certificate stating the cause of termination, dismissal letter / ERE (collective redundancy procedure) agreement., If you have dependants: libro de familia (family book), certificate of cohabitation, spouse's income tax return., If it is partial retirement: contrato de relevo (relief contract) signed by the company and the relief worker.. You do not upload them here: we collect the details through the guided chat.

Who files the procedure?

Managora files it in your name with Instituto Nacional de la Seguridad Social (INSS) - Tu Seguridad Social. You only provide the details through the chat and sign a mandato (power of representation); we prepare, sign and register it.

Can it be done online?

Yes. The whole process is online: you answer a few questions in the guided chat, sign a simple mandato on screen and receive the receipt and the official documents by email, with full legal validity.

Related procedures

Based on the legislation in force and on the official site of the competent authority: Instituto Nacional de la Seguridad Social (INSS) - Tu Seguridad Social ↗.

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