Retirement: why you may have fewer days of contributions than you think

For some bitter surprise, for others something logical, when consulting their working life, many find themselves with fewer days than what they expected.

Thomas Osborne
Thomas Osborne
24 February 2023 Friday 15:52
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Retirement: why you may have fewer days of contributions than you think

For some bitter surprise, for others something logical, when consulting their working life, many find themselves with fewer days than what they expected. It occurs above all in situations of multiple employment, multiple activity and part-time work.

When thinking about retirement, working life is one of the essential reference documents. It includes the entire professional career and reflects the days quoted from the beginning of a legal situation. This amount defines access to benefits and coverage that depend on Social Security.

When reviewing the working life, one of the cases in which the calculations can be surprising is in the days of multiple employment, a situation in which more than one job is worked at the same time. The other, in cases of multiple activity, when you are registered as self-employed and working in a company.

"The numbers may not match you. Normally it is because you have gone through a situation of multiple employment or multiple activity," warns Social Security on its website. In both cases, "they will only calculate one whole day worked, even if on the same day you work in more than one place. That is, you cannot quote two days for each day worked, even if it is in different places," it is insisted.

If one is in this situation, when consulting the working life, a footnote already explains that one has been "simultaneously in two or more companies of the same Regime of the Social Security system -multiemployment-, or in two, or plus Regimes other than the aforementioned system -pluriactivity-", so the total number of days to be counted will be less than the number of days you have been registered. In this way, in the document they can be registered for an equivalent of 3,200 days... and that they actually count for Social Security benefits, such as retirement, about 3,000.

Another point where fewer days than expected may leave is in part-time jobs. The days quoted are counted based on normal eight-hour days. Thus, if you have worked part-time, you will have to take into account the partiality coefficient to see how many days add up.

For example, someone who works four hours a day has a coefficient of 50% (works 50% of a normal day). Thus, for every two days of work, she will complete one quoted day. The same applies to other cases, such as work for two hours a day (coefficient of 25%): you will need four days worked to add one quoted.