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Business: 'Autonomous' the drama cannot retire because of the low amount of pensions

If the average retirement age of an employed person is 64.4 years, the self-employed person is extended to 65.5 years.

'Pension' - Image Credits: Flickr

The reason is none other than the low amount they have left when they retire, 37% lower than that of an employee.

According to the Union of Professionals and Self-Employed Workers ( UPTA ), the self-employed are the workers who later retire and those who receive less.

The average retirement pension of 1,304,456 self-employed, barely exceeds € 762 per month. While that of employed persons has been located in this past September at € 1286, that is, about 525 euros less per month.

They denounce, also at UPTA, that the evolution of retirement pensions over recent years has been uneven.

While the average retirement pension of the group of self-employed workers increased by € 69, that of employed persons has risen € 111.

In percentage terms, the increases are similar, but in the case of lower pensions, a higher percentage calculation would have to be applied, since the economic gap of some workers, far from decreasing, widens.


Already apart from the differences between freelancers and employees, also within the collective of more than 3,260,000 self-employed registered in Spain, internal comparative grievances occur.

According to the aforementioned organization if we compare the average retirement pension of an employee of the Basque Country with a Galician self-employed person, the difference is set at € 969.26.

By Autonomous Communities, the main grievances are recorded in Galicia (€ 653 on average), followed by Extremadura (€ 716) and Castilla-León (€ 736), compared to the autonomous residents in Navarra (€ 906), Basque Country (860 €) or the Community of Madrid (€ 836).

However, in cases such as the Community of Madrid or Barcelona, ​​the distance between retirement that an employee receives from that of a self-employed person is also accentuated.

Situations such as those described are those that encourage statements such as that of Eduardo Abad , president of UPTA. This must be one of the great debates of the future, we must remedy this situation and the amounts that the self-employed receive as a pension, on all in the case of the retirement pension.

After contributing a lifetime, they receive pensions that in many cases do not guarantee them a minimum income to live with dignity, this is the drama of a large part of our group once they finish their professional career. It is vital that we design a new contribution model that allows thousands of self-employed workers to regularize their contributions before the end of the current year.

Obviously, the amount of retirement goes hand in hand with Social Security contributions and, in Spain, more than 85% of the self-employed contribute for the minimum base, either according to their income, or voluntarily.

From the Social Security they remember that if we contribute little, we cannot wait to have a high pension, because it would go against the principle of proportionality of the system and because it would be unfair to the rest of the self-employed workers and to the general scheme that contributes more.

Hence, Abad encourages self-employed workers to increase the contribution bases for retirement while urging the Government to develop, through contribution incentive initiatives, the necessary fiscal mechanisms for this to occur. of natural form.


But while articulating and not possible solutions, every day there are more self-employed people over 65 who choose to take active retirement.

Let's not forget that, within the self-employed, the group that has been growing the most is that of 55 years and older.

Specifically 12,807 more this year than last, with an increase of 2.4% compared to 0.7% growth of those aged 40 to 54, according to a study prepared by ATA .

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