{"id":203195,"date":"2026-04-22T11:12:49","date_gmt":"2026-04-22T10:12:49","guid":{"rendered":"https:\/\/www.ccoo.cat\/educacio\/?p=203195"},"modified":"2026-04-22T11:12:51","modified_gmt":"2026-04-22T10:12:51","slug":"guia-rapida-sobre-jubilacio-en-el-regim-de-la-seguretat-social","status":"publish","type":"post","link":"https:\/\/www.ccoo.cat\/educacio\/noticies\/privada\/concertada\/guia-rapida-sobre-jubilacio-en-el-regim-de-la-seguretat-social\/","title":{"rendered":"Guia r\u00e0pida sobre jubilaci\u00f3 en el r\u00e8gim de la Seguretat Social"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Els elements que cal tenir presents en el moment de voler accedir a la jubilaci\u00f3 s\u00f3n:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Edat\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Anys de cotitzaci\u00f3 acreditats\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En funci\u00f3 d\u2019aquests dos elements l\u2019acc\u00e9s a la jubilaci\u00f3 segons l\u2019any en qu\u00e8 es produeixi ser\u00e0:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>ANY<\/strong>&nbsp;<\/td><td><strong>ANYS COTITZATS<\/strong>&nbsp;<\/td><td><strong>EDAT DE JUBILACI\u00d3<\/strong>&nbsp;<\/td><td><strong>ANYS PER AL C\u00c0LCUL<\/strong>&nbsp;<\/td><td><strong>Anys de cotitzaci\u00f3 per al 100% BR (base reguladora)<\/strong>&nbsp;<\/td><\/tr><tr><td>2026&nbsp;<\/td><td>38 anys i 3 mesos o m\u00e9s&nbsp;Menys de 38 anys i 3 mesos&nbsp;<\/td><td>65 anys&nbsp;66 anys i 10 mesos&nbsp;<\/td><td>25 anys&nbsp;&nbsp;<\/td><td>36 anys i 6 mesos&nbsp;<\/td><\/tr><tr><td>2027&nbsp;<\/td><td>38 anys i 6 mesos o m\u00e9s&nbsp;Menys de 38 anys i 6 mesos&nbsp;<\/td><td>65 anys&nbsp;67 anys&nbsp;<\/td><td>25 anys&nbsp;&nbsp;<\/td><td>37 anys&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Quin \u00e9s el per\u00edode m\u00ednim de cotitzaci\u00f3 per accedir a una pensi\u00f3 de jubilaci\u00f3?<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El per\u00edode m\u00ednim \u00e9s de 15 anys dels quals 2 anys han d\u2019estar dins dels 15 immediatament anteriors a la jubilaci\u00f3.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Qu\u00e8 passa si la jubilaci\u00f3 es produeix posteriorment a l\u2019edat ordin\u00e0ria?<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En aquests casos s\u2019incrementa la Base Reguladora per cada any addicional treballat segons el seg\u00fcent:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fins a 25 anys cotitzats : 2%\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Entre 25 i 37 anys cotitzats: 2,75%\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A partir de 37 anys cotitzats: 4%\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00c9s possible jubilar-se volunt\u00e0riament de forma anticipada?<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Segons la Llei 21\/2021, de 28 de desembre. es modifica l\u2019article 208 de la Llei General de Seguretat Social respecte jubilaci\u00f3 anticipada volunt\u00e0ria, establint els seg\u00fcents criteris:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Es pot avan\u00e7ar un m\u00e0xim de 2 anys respecte a l\u2019edat ordin\u00e0ria de jubilaci\u00f3 (24 mesos)\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>S\u2019ha d\u2019acreditar un m\u00ednim cotitzat de 35 anys\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">La pensi\u00f3 ser\u00e0 objecte de reducci\u00f3 en funci\u00f3 dels mesos d\u2019anticipaci\u00f3 i dels anys cotitzats que apareix en el seg\u00fcent quadre:\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong><\/strong>&nbsp;<\/td><td><strong>Per\u00edode cotitzat menys de 38 anys i 6 mesos<\/strong>&nbsp;<\/td><td><strong>Per\u00edode cotitzat igual o superior&nbsp; de 38 anys i 6 mesos i inferior a 41 anys i 6 mesos<\/strong>&nbsp;<\/td><td><strong>Per\u00edode cotitzat igual o superior&nbsp; de 41 anys i 6 mesos i inferior a 44 anys i 6 mesos<\/strong>&nbsp;<\/td><td><strong>Per\u00edode cotitzat igual o superior&nbsp; de 44 anys i 6 mesos&nbsp;<\/strong>&nbsp;<\/td><\/tr><tr><td><strong>Mesos anticipaci\u00f3&nbsp;<\/strong>&nbsp;<\/td><td><strong>% reducci\u00f3<\/strong>&nbsp;<\/td><td><strong>% reducci\u00f3<\/strong>&nbsp;<\/td><td><strong>% reducci\u00f3<\/strong>&nbsp;<\/td><td><strong>% reducci\u00f3<\/strong>&nbsp;<\/td><\/tr><tr><td>24&nbsp;<\/td><td>21,00&nbsp;<\/td><td>19,00&nbsp;<\/td><td>17,00&nbsp;<\/td><td>13,00&nbsp;<\/td><\/tr><tr><td>23&nbsp;<\/td><td>17,60&nbsp;<\/td><td>16,50&nbsp;<\/td><td>15,00&nbsp;<\/td><td>12,00&nbsp;<\/td><\/tr><tr><td>22&nbsp;<\/td><td>14,67&nbsp;<\/td><td>14,00&nbsp;<\/td><td>13,33&nbsp;<\/td><td>11,00&nbsp;<\/td><\/tr><tr><td>21&nbsp;<\/td><td>12,57&nbsp;<\/td><td>12,00&nbsp;<\/td><td>11,43&nbsp;<\/td><td>10,00&nbsp;<\/td><\/tr><tr><td>20&nbsp;<\/td><td>11,00&nbsp;<\/td><td>10,50&nbsp;<\/td><td>10,00&nbsp;<\/td><td>9,20&nbsp;<\/td><\/tr><tr><td>19&nbsp;<\/td><td>9,78&nbsp;<\/td><td>9,33&nbsp;<\/td><td>8,89&nbsp;<\/td><td>8,40&nbsp;<\/td><\/tr><tr><td>18&nbsp;<\/td><td>8,80&nbsp;<\/td><td>8,40&nbsp;<\/td><td>8,00&nbsp;<\/td><td>7,60&nbsp;<\/td><\/tr><tr><td>17&nbsp;<\/td><td>8,00&nbsp;<\/td><td>7,64&nbsp;<\/td><td>7,27&nbsp;<\/td><td>6,91&nbsp;<\/td><\/tr><tr><td>16&nbsp;<\/td><td>7,33&nbsp;<\/td><td>7,00&nbsp;<\/td><td>6,67&nbsp;<\/td><td>6,33&nbsp;<\/td><\/tr><tr><td>15&nbsp;<\/td><td>6,77&nbsp;<\/td><td>6,46&nbsp;<\/td><td>6,15&nbsp;<\/td><td>5,85&nbsp;<\/td><\/tr><tr><td>14&nbsp;<\/td><td>6,29&nbsp;<\/td><td>6,00&nbsp;<\/td><td>5,71&nbsp;<\/td><td>5,43&nbsp;<\/td><\/tr><tr><td>13&nbsp;<\/td><td>5,87&nbsp;<\/td><td>5,60&nbsp;<\/td><td>5,33&nbsp;<\/td><td>5,07&nbsp;<\/td><\/tr><tr><td>12&nbsp;<\/td><td>5,50&nbsp;<\/td><td>5,25&nbsp;<\/td><td>5,00&nbsp;<\/td><td>4,75&nbsp;<\/td><\/tr><tr><td>11&nbsp;<\/td><td>5,18&nbsp;<\/td><td>4,94&nbsp;<\/td><td>4,71&nbsp;<\/td><td>4,47&nbsp;<\/td><\/tr><tr><td>10&nbsp;<\/td><td>4,89&nbsp;<\/td><td>4,67&nbsp;<\/td><td>4,44&nbsp;<\/td><td>4,22&nbsp;<\/td><\/tr><tr><td>9&nbsp;<\/td><td>4,63&nbsp;<\/td><td>4,42&nbsp;<\/td><td>4,21&nbsp;<\/td><td>4,00&nbsp;<\/td><\/tr><tr><td>8&nbsp;<\/td><td>4,40&nbsp;<\/td><td>4,20&nbsp;<\/td><td>4,00&nbsp;<\/td><td>3,80&nbsp;<\/td><\/tr><tr><td>7&nbsp;<\/td><td>4,19&nbsp;<\/td><td>4,00&nbsp;<\/td><td>3,81&nbsp;<\/td><td>3,62&nbsp;<\/td><\/tr><tr><td>6&nbsp;<\/td><td>4,00&nbsp;<\/td><td>3,82&nbsp;<\/td><td>3,64&nbsp;<\/td><td>3,45&nbsp;<\/td><\/tr><tr><td>5&nbsp;<\/td><td>3,83&nbsp;<\/td><td>3,65&nbsp;<\/td><td>3,48&nbsp;<\/td><td>3,30&nbsp;<\/td><\/tr><tr><td>4&nbsp;<\/td><td>3,67&nbsp;<\/td><td>3,50&nbsp;<\/td><td>3,33&nbsp;<\/td><td>3,17&nbsp;<\/td><\/tr><tr><td>3&nbsp;<\/td><td>3,52&nbsp;<\/td><td>3,36&nbsp;<\/td><td>3,20&nbsp;<\/td><td>3,04&nbsp;<\/td><\/tr><tr><td>2&nbsp;<\/td><td>3,38&nbsp;<\/td><td>3,23&nbsp;<\/td><td>3,08&nbsp;<\/td><td>2,92&nbsp;<\/td><\/tr><tr><td>1&nbsp;<\/td><td>3,26&nbsp;<\/td><td>3,11&nbsp;<\/td><td>2,96&nbsp;<\/td><td>2,81&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Quan la Base Reguladora es troba\u00a0<strong>per sobre de la pensi\u00f3 M\u00e0xima\u00a0<\/strong>que s\u2019estableix per a cada any, els coeficients reductors s\u00f3n uns altres, que venen marcats per la\u00a0<strong>Disposici\u00f3 transit\u00f2ria 34<\/strong>. Aquests coeficients varien en funci\u00f3 del total d\u2019anys cotitzats, els mesos d\u2019anticipaci\u00f3 de la jubilaci\u00f3 i l\u2019any d\u2019acc\u00e9s. A tall d\u2019exemple:\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Per\u00edode cotitzat inferior a 38 anys i 6 mesos<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Mesos anticipaci\u00f3<\/strong>&nbsp;<\/td><td><strong>2026<\/strong>&nbsp;<\/td><td><strong>2027<\/strong>&nbsp;<\/td><td><strong>2028<\/strong>&nbsp;<\/td><td><strong>2029<\/strong>&nbsp;<\/td><td><strong>2030<\/strong>&nbsp;<\/td><td><strong>2031<\/strong>&nbsp;<\/td><td><strong>2032<\/strong>&nbsp;<\/td><td><strong>2033<\/strong>&nbsp;<\/td><\/tr><tr><td>24&nbsp;<\/td><td>9,10&nbsp;<\/td><td>10,80&nbsp;<\/td><td>12,50&nbsp;<\/td><td>14,20&nbsp;<\/td><td>15,90&nbsp;<\/td><td>17,60&nbsp;<\/td><td>19,30&nbsp;<\/td><td>21,00&nbsp;<\/td><\/tr><tr><td>23&nbsp;<\/td><td>8,08&nbsp;<\/td><td>9,44&nbsp;<\/td><td>10,80&nbsp;<\/td><td>12,16&nbsp;<\/td><td>13,52&nbsp;<\/td><td>14,88&nbsp;<\/td><td>16,24&nbsp;<\/td><td>17,60&nbsp;<\/td><\/tr><tr><td>22&nbsp;<\/td><td>7,20&nbsp;<\/td><td>8,27&nbsp;<\/td><td>9,34&nbsp;<\/td><td>10,40&nbsp;<\/td><td>11,47&nbsp;<\/td><td>12,54&nbsp;<\/td><td>13,60&nbsp;<\/td><td>14,67&nbsp;<\/td><\/tr><tr><td>21&nbsp;<\/td><td>6,22&nbsp;<\/td><td>7,13&nbsp;<\/td><td>8,04&nbsp;<\/td><td>8,94&nbsp;<\/td><td>9,85&nbsp;<\/td><td>10,76&nbsp;<\/td><td>11,66&nbsp;<\/td><td>12,57&nbsp;<\/td><\/tr><tr><td>20&nbsp;<\/td><td>5,75&nbsp;<\/td><td>6,50&nbsp;<\/td><td>7,25&nbsp;<\/td><td>8,00&nbsp;<\/td><td>8,75&nbsp;<\/td><td>9,50&nbsp;<\/td><td>10,25&nbsp;<\/td><td>11,00&nbsp;<\/td><\/tr><tr><td>19&nbsp;<\/td><td>5,38&nbsp;<\/td><td>6,01&nbsp;<\/td><td>6,64&nbsp;<\/td><td>7,27&nbsp;<\/td><td>7,90&nbsp;<\/td><td>8,52&nbsp;<\/td><td>9,15&nbsp;<\/td><td>9,78&nbsp;<\/td><\/tr><tr><td>18&nbsp;<\/td><td>4,74&nbsp;<\/td><td>5,32&nbsp;<\/td><td>5,90&nbsp;<\/td><td>6,48&nbsp;<\/td><td>7,06&nbsp;<\/td><td>7,64&nbsp;<\/td><td>8,22&nbsp;<\/td><td>8,80&nbsp;<\/td><\/tr><tr><td>17&nbsp;<\/td><td>4,50&nbsp;<\/td><td>5,00&nbsp;<\/td><td>5,50&nbsp;<\/td><td>6,00&nbsp;<\/td><td>6,50&nbsp;<\/td><td>7,00&nbsp;<\/td><td>7,50&nbsp;<\/td><td>8,00&nbsp;<\/td><\/tr><tr><td>16&nbsp;<\/td><td>4,30&nbsp;<\/td><td>4,73&nbsp;<\/td><td>5,17&nbsp;<\/td><td>5,60&nbsp;<\/td><td>6,03&nbsp;<\/td><td>6,46&nbsp;<\/td><td>6,90&nbsp;<\/td><td>7,33&nbsp;<\/td><\/tr><tr><td>15&nbsp;<\/td><td>3,78&nbsp;<\/td><td>4,21&nbsp;<\/td><td>4,64&nbsp;<\/td><td>5,06&nbsp;<\/td><td>5,49&nbsp;<\/td><td>5,92&nbsp;<\/td><td>6,34&nbsp;<\/td><td>6,77&nbsp;<\/td><\/tr><tr><td>14&nbsp;<\/td><td>3,64&nbsp;<\/td><td>4,02&nbsp;<\/td><td>4,40&nbsp;<\/td><td>4,77&nbsp;<\/td><td>5,15&nbsp;<\/td><td>5,53&nbsp;<\/td><td>5,91&nbsp;<\/td><td>6,29&nbsp;<\/td><\/tr><tr><td>13&nbsp;<\/td><td>3,51&nbsp;<\/td><td>3,85&nbsp;<\/td><td>4,19&nbsp;<\/td><td>4,52&nbsp;<\/td><td>4,86&nbsp;<\/td><td>5,20&nbsp;<\/td><td>5,53&nbsp;<\/td><td>5,87&nbsp;<\/td><\/tr><tr><td>12&nbsp;<\/td><td>3,05&nbsp;<\/td><td>3,40&nbsp;<\/td><td>3,75&nbsp;<\/td><td>4,10&nbsp;<\/td><td>4,45&nbsp;<\/td><td>4,80&nbsp;<\/td><td>5,15&nbsp;<\/td><td>5,50&nbsp;<\/td><\/tr><tr><td>11&nbsp;<\/td><td>2,95&nbsp;<\/td><td>3,27&nbsp;<\/td><td>3,59&nbsp;<\/td><td>3,91&nbsp;<\/td><td>4,23&nbsp;<\/td><td>4,54&nbsp;<\/td><td>4,86&nbsp;<\/td><td>5,18&nbsp;<\/td><\/tr><tr><td>10&nbsp;<\/td><td>2,87&nbsp;<\/td><td>3,16&nbsp;<\/td><td>3,45&nbsp;<\/td><td>3,73&nbsp;<\/td><td>4,02&nbsp;<\/td><td>4,31&nbsp;<\/td><td>4,60&nbsp;<\/td><td>4,89&nbsp;<\/td><\/tr><tr><td>9&nbsp;<\/td><td>2,44&nbsp;<\/td><td>2,75&nbsp;<\/td><td>3,07&nbsp;<\/td><td>3,38&nbsp;<\/td><td>3,69&nbsp;<\/td><td>4,00&nbsp;<\/td><td>4,32&nbsp;<\/td><td>4,63&nbsp;<\/td><\/tr><tr><td>8&nbsp;<\/td><td>2,37&nbsp;<\/td><td>2,66&nbsp;<\/td><td>2,95&nbsp;<\/td><td>3,24&nbsp;<\/td><td>3,53&nbsp;<\/td><td>3,82&nbsp;<\/td><td>4,11&nbsp;<\/td><td>4,40&nbsp;<\/td><\/tr><tr><td>7&nbsp;<\/td><td>2,31&nbsp;<\/td><td>2,58&nbsp;<\/td><td>2,85&nbsp;<\/td><td>3,11&nbsp;<\/td><td>3,38&nbsp;<\/td><td>3,65&nbsp;<\/td><td>3,92&nbsp;<\/td><td>4,19&nbsp;<\/td><\/tr><tr><td>6&nbsp;<\/td><td>1,90&nbsp;<\/td><td>2,20&nbsp;<\/td><td>2,50&nbsp;<\/td><td>2,80&nbsp;<\/td><td>3,10&nbsp;<\/td><td>3,40&nbsp;<\/td><td>3,70&nbsp;<\/td><td>4,00&nbsp;<\/td><\/tr><tr><td>5&nbsp;<\/td><td>1,85&nbsp;<\/td><td>2,13&nbsp;<\/td><td>2,42&nbsp;<\/td><td>2,70&nbsp;<\/td><td>2,98&nbsp;<\/td><td>3,26&nbsp;<\/td><td>3,55&nbsp;<\/td><td>3,83&nbsp;<\/td><\/tr><tr><td>4&nbsp;<\/td><td>1,80&nbsp;<\/td><td>2,07&nbsp;<\/td><td>2,34&nbsp;<\/td><td>2,60&nbsp;<\/td><td>2,87&nbsp;<\/td><td>3,14&nbsp;<\/td><td>3,40&nbsp;<\/td><td>3,67&nbsp;<\/td><\/tr><tr><td>3&nbsp;<\/td><td>1,41&nbsp;<\/td><td>1,71&nbsp;<\/td><td>2,01&nbsp;<\/td><td>2,31&nbsp;<\/td><td>2,61&nbsp;<\/td><td>2,92&nbsp;<\/td><td>3,22&nbsp;<\/td><td>3,52&nbsp;<\/td><\/tr><tr><td>2&nbsp;<\/td><td>1,36&nbsp;<\/td><td>1,65&nbsp;<\/td><td>1,94&nbsp;<\/td><td>2,23&nbsp;<\/td><td>2,52&nbsp;<\/td><td>2,80&nbsp;<\/td><td>3,09&nbsp;<\/td><td>3,38&nbsp;<\/td><\/tr><tr><td>1&nbsp;<\/td><td>1,33&nbsp;<\/td><td>1,60&nbsp;<\/td><td>1,88&nbsp;<\/td><td>2,16&nbsp;<\/td><td>2,43&nbsp;<\/td><td>2,71&nbsp;<\/td><td>2,98&nbsp;<\/td><td>3,26&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Per\u00edode cotitzat superior a 38 anys i 6 mesos i inferior a 41 anys i 6 mesos<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Mesos anticipaci\u00f3<\/strong>&nbsp;<\/td><td><strong>2026<\/strong>&nbsp;<\/td><td><strong>2027<\/strong>&nbsp;<\/td><td><strong>2028<\/strong>&nbsp;<\/td><td><strong>2029<\/strong>&nbsp;<\/td><td><strong>2030<\/strong>&nbsp;<\/td><td><strong>2031<\/strong>&nbsp;<\/td><td><strong>2032<\/strong>&nbsp;<\/td><td><strong>2033<\/strong>&nbsp;<\/td><\/tr><tr><td>24&nbsp;<\/td><td>8,50&nbsp;<\/td><td>10,00&nbsp;<\/td><td>11,50&nbsp;<\/td><td>13,00&nbsp;<\/td><td>14,50&nbsp;<\/td><td>16,00&nbsp;<\/td><td>17,50&nbsp;<\/td><td>19,00&nbsp;<\/td><\/tr><tr><td>23&nbsp;<\/td><td>7,75&nbsp;<\/td><td>9,90&nbsp;<\/td><td>10,25&nbsp;<\/td><td>11,50&nbsp;<\/td><td>12,75&nbsp;<\/td><td>14,00&nbsp;<\/td><td>15,25&nbsp;<\/td><td>16,50&nbsp;<\/td><\/tr><tr><td>22&nbsp;<\/td><td>7,00&nbsp;<\/td><td>8,00&nbsp;<\/td><td>9,00&nbsp;<\/td><td>10,00&nbsp;<\/td><td>11,00&nbsp;<\/td><td>12,00&nbsp;<\/td><td>13,00&nbsp;<\/td><td>14,00&nbsp;<\/td><\/tr><tr><td>21&nbsp;<\/td><td>6,05&nbsp;<\/td><td>6,90&nbsp;<\/td><td>7,75&nbsp;<\/td><td>8,60&nbsp;<\/td><td>9,45&nbsp;<\/td><td>10,30&nbsp;<\/td><td>11,15&nbsp;<\/td><td>12,00&nbsp;<\/td><\/tr><tr><td>20&nbsp;<\/td><td>5,60&nbsp;<\/td><td>6,30&nbsp;<\/td><td>7,00&nbsp;<\/td><td>7,70&nbsp;<\/td><td>8,40&nbsp;<\/td><td>9,10&nbsp;<\/td><td>9,80&nbsp;<\/td><td>10,50&nbsp;<\/td><\/tr><tr><td>19&nbsp;<\/td><td>5,25&nbsp;<\/td><td>5,83&nbsp;<\/td><td>6,42&nbsp;<\/td><td>7,00&nbsp;<\/td><td>7,58&nbsp;<\/td><td>8,16&nbsp;<\/td><td>8,75&nbsp;<\/td><td>9,33&nbsp;<\/td><\/tr><tr><td>18&nbsp;<\/td><td>4,62&nbsp;<\/td><td>5,16&nbsp;<\/td><td>5,70&nbsp;<\/td><td>6,24&nbsp;<\/td><td>6,78&nbsp;<\/td><td>7,32&nbsp;<\/td><td>7,86&nbsp;<\/td><td>8,40&nbsp;<\/td><\/tr><tr><td>17&nbsp;<\/td><td>4,39&nbsp;<\/td><td>4,86&nbsp;<\/td><td>5,32&nbsp;<\/td><td>5,78&nbsp;<\/td><td>6,25&nbsp;<\/td><td>6,71&nbsp;<\/td><td>7,18&nbsp;<\/td><td>7,64&nbsp;<\/td><\/tr><tr><td>16&nbsp;<\/td><td>4,20&nbsp;<\/td><td>4,60&nbsp;<\/td><td>5,00&nbsp;<\/td><td>5,40&nbsp;<\/td><td>5,80&nbsp;<\/td><td>6,20&nbsp;<\/td><td>6,60&nbsp;<\/td><td>7,00&nbsp;<\/td><\/tr><tr><td>15&nbsp;<\/td><td>3,69&nbsp;<\/td><td>4,08&nbsp;<\/td><td>4,48&nbsp;<\/td><td>4,88&nbsp;<\/td><td>5,27&nbsp;<\/td><td>5,67&nbsp;<\/td><td>6,06&nbsp;<\/td><td>6,46&nbsp;<\/td><\/tr><tr><td>14&nbsp;<\/td><td>3,55&nbsp;<\/td><td>3,90&nbsp;<\/td><td>4,25&nbsp;<\/td><td>4,60&nbsp;<\/td><td>4,95&nbsp;<\/td><td>5,30&nbsp;<\/td><td>5,65&nbsp;<\/td><td>6,00&nbsp;<\/td><\/tr><tr><td>13&nbsp;<\/td><td>3,43&nbsp;<\/td><td>3,74&nbsp;<\/td><td>4,05&nbsp;<\/td><td>4,36&nbsp;<\/td><td>4,67&nbsp;<\/td><td>4,98&nbsp;<\/td><td>5,29&nbsp;<\/td><td>5,60&nbsp;<\/td><\/tr><tr><td>12&nbsp;<\/td><td>2,98&nbsp;<\/td><td>3,30&nbsp;<\/td><td>3,63&nbsp;<\/td><td>3,95&nbsp;<\/td><td>4,28&nbsp;<\/td><td>4,60&nbsp;<\/td><td>4,93&nbsp;<\/td><td>5,25&nbsp;<\/td><\/tr><tr><td>11&nbsp;<\/td><td>2,88&nbsp;<\/td><td>3,18&nbsp;<\/td><td>3,47&nbsp;<\/td><td>3,76&nbsp;<\/td><td>4,06&nbsp;<\/td><td>4,35&nbsp;<\/td><td>4,65&nbsp;<\/td><td>4,94&nbsp;<\/td><\/tr><tr><td>10&nbsp;<\/td><td>2,80&nbsp;<\/td><td>3,07&nbsp;<\/td><td>3,34&nbsp;<\/td><td>3,60&nbsp;<\/td><td>3,87&nbsp;<\/td><td>4,14&nbsp;<\/td><td>4,40&nbsp;<\/td><td>4,67&nbsp;<\/td><\/tr><tr><td>9&nbsp;<\/td><td>2,38&nbsp;<\/td><td>2,67&nbsp;<\/td><td>2,96&nbsp;<\/td><td>3,25&nbsp;<\/td><td>3,54&nbsp;<\/td><td>3,84&nbsp;<\/td><td>4,13&nbsp;<\/td><td>4,42&nbsp;<\/td><\/tr><tr><td>8&nbsp;<\/td><td>2,31&nbsp;<\/td><td>2,58&nbsp;<\/td><td>2,85&nbsp;<\/td><td>3,12&nbsp;<\/td><td>3,39&nbsp;<\/td><td>3,66&nbsp;<\/td><td>3,93&nbsp;<\/td><td>4,20&nbsp;<\/td><\/tr><tr><td>7&nbsp;<\/td><td>2,25&nbsp;<\/td><td>2,50&nbsp;<\/td><td>2,75&nbsp;<\/td><td>3,00&nbsp;<\/td><td>3,25&nbsp;<\/td><td>3,50&nbsp;<\/td><td>3,75&nbsp;<\/td><td>4,00&nbsp;<\/td><\/tr><tr><td>6&nbsp;<\/td><td>1,85&nbsp;<\/td><td>2,13&nbsp;<\/td><td>2,41&nbsp;<\/td><td>2,69&nbsp;<\/td><td>2,97&nbsp;<\/td><td>3,26&nbsp;<\/td><td>3,54&nbsp;<\/td><td>3,82&nbsp;<\/td><\/tr><tr><td>5&nbsp;<\/td><td>1,80&nbsp;<\/td><td>2,06&nbsp;<\/td><td>2,33&nbsp;<\/td><td>2,59&nbsp;<\/td><td>2,86&nbsp;<\/td><td>3,12&nbsp;<\/td><td>3,39&nbsp;<\/td><td>3,65&nbsp;<\/td><\/tr><tr><td>4&nbsp;<\/td><td>1,75&nbsp;<\/td><td>2,00&nbsp;<\/td><td>2,25&nbsp;<\/td><td>2,50&nbsp;<\/td><td>2,75&nbsp;<\/td><td>3,00&nbsp;<\/td><td>3,25&nbsp;<\/td><td>3,50&nbsp;<\/td><\/tr><tr><td>3&nbsp;<\/td><td>1,36&nbsp;<\/td><td>1,64&nbsp;<\/td><td>1,93&nbsp;<\/td><td>2,22&nbsp;<\/td><td>2,50&nbsp;<\/td><td>2,79&nbsp;<\/td><td>3,07&nbsp;<\/td><td>3,36&nbsp;<\/td><\/tr><tr><td>2&nbsp;<\/td><td>1,32&nbsp;<\/td><td>1,59&nbsp;<\/td><td>1,87&nbsp;<\/td><td>2,14&nbsp;<\/td><td>2,41&nbsp;<\/td><td>2,68&nbsp;<\/td><td>2,96&nbsp;<\/td><td>3,23&nbsp;<\/td><\/tr><tr><td>1&nbsp;<\/td><td>1,28&nbsp;<\/td><td>1,54&nbsp;<\/td><td>1,81&nbsp;<\/td><td>2,07&nbsp;<\/td><td>2,33&nbsp;<\/td><td>2,59&nbsp;<\/td><td>2,85&nbsp;<\/td><td>3,11&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Puc continuar treballant m\u00e9s enll\u00e0 de l\u2019edat ordin\u00e0ria de jubilaci\u00f3?<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed, \u00e9s el que s\u2019anomena jubilaci\u00f3 demorada i en aquest cas, el fet de perllongar la activitat d\u00f3na dret a una de les seg\u00fcents opcions:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Percentatge addicional (pensi\u00f3 mensual m\u00e9s alta): es rep un 4% extra sobre la teva pensi\u00f3 de per vida, per cada any complet de demora\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Una quantitat a tant al\u00e7at (xec \u00fanic): reps un pagament \u00fanic en el moment de la jubilaci\u00f3. La quantia varia en funci\u00f3 dels anys cotitzats.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Opci\u00f3 mixta: En cas d\u2019endarrerir la jubilaci\u00f3 2 anys o m\u00e9s, es pot combinar ambdues i per tant rebre part de l\u2019increment mensual i una altra part de pagament \u00fanic.\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Puc compatibilitzar la jubilaci\u00f3 amb una feina?<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed, aix\u00f2 \u00e9s el que s\u2019anomena&nbsp;<strong>jubilaci\u00f3 activa<\/strong>&nbsp;i permet compatibilitzar el cobrament d\u2019una part de la teva pensi\u00f3 amb una feina, ja sigui a compte d\u2019altri o com aut\u00f2nom. Per poder accedir-hi \u00e9s necessari:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Haver complert l\u2019edat ordin\u00e0ria de jubilaci\u00f3\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tenir el 100% de la base reguladora\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En aquests casos el que es cobra \u00e9s:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>El 50% de la pensi\u00f3 que et correspongui i l\u2019altra 50% queda en suspens mentre continu\u00efs treballant.\u00a0<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>En cas de ser aut\u00f2nom i tinguis contractat com a m\u00ednim\u00a0 un treballador, pots cobrar el 100% de la pensi\u00f3\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Una altra modalitat de jubilaci\u00f3 i feina \u00e9s la&nbsp;<strong>jubilaci\u00f3 flexible&nbsp;<\/strong>que a difer\u00e8ncia de l\u2019anterior nom\u00e9s pots treballar per compte d\u2019altri, la pensi\u00f3 es redueix en proporci\u00f3 i la jornada a treballar va del 50% m\u00ednim al 75% m\u00e0xim.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Es pot tenir ingressos puntuals sense haver d\u2019informar a la Seguretat social, ni reduir la pensi\u00f3 de jubilaci\u00f3?<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Es pot dur a terme una activitat com a aut\u00f2nom, amb ingressos anuals que NO superin el SMI&nbsp; (per a l\u2019any 2026 uns 16.100\u20ac bruts) en c\u00f2mput anual i cobrar el 100% de la teva pensi\u00f3 sense necessitat de donar-te d\u2019alta en el RETA, ni informar a la Seguretat Social.&nbsp;<\/p>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/www.ccoo.cat\/educacio\/wp-content\/uploads\/sites\/139\/2026\/04\/guia-jubilacio-ss-concertada-1.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Incrustaci\u00f3 del fitxer Guia jubilacio\u0301 SS concertada.\"><\/object><a id=\"wp-block-file--media-39bd33d5-a496-4383-aec9-a766742f430f\" href=\"https:\/\/www.ccoo.cat\/educacio\/wp-content\/uploads\/sites\/139\/2026\/04\/guia-jubilacio-ss-concertada-1.pdf\">Guia jubilacio\u0301 SS concertada<\/a><a href=\"https:\/\/www.ccoo.cat\/educacio\/wp-content\/uploads\/sites\/139\/2026\/04\/guia-jubilacio-ss-concertada-1.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-39bd33d5-a496-4383-aec9-a766742f430f\">Baixa<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Els elements que cal tenir presents en el moment de voler accedir a la jubilaci\u00f3 s\u00f3n:&nbsp; En funci\u00f3 d\u2019aquests dos &#8230; <a title=\"Guia r\u00e0pida sobre jubilaci\u00f3 en el r\u00e8gim de la Seguretat Social\" class=\"read-more\" href=\"https:\/\/www.ccoo.cat\/educacio\/noticies\/privada\/concertada\/guia-rapida-sobre-jubilacio-en-el-regim-de-la-seguretat-social\/\" aria-label=\"M\u00e9s informaci\u00f3 sobre Guia r\u00e0pida sobre jubilaci\u00f3 en el r\u00e8gim de la Seguretat Social\">Llegiu-ne m\u00e9s<\/a><\/p>\n","protected":false},"author":5144,"featured_media":203198,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"twitterCardType":"","cardImageID":0,"cardImage":"","cardTitle":"","cardDesc":"","cardImageAlt":"","cardPlayer":"","cardPlayerWidth":0,"cardPlayerHeight":0,"cardPlayerStream":"","cardPlayerCodec":"","footnotes":""},"categories":[1064],"tags":[169,85,96],"class_list":["post-203195","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-concertada","tag-butlleti-privada-concertada","tag-concertada","tag-retribucions-concertada","infinite-scroll-item","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"gutentor_comment":0,"_links":{"self":[{"href":"https:\/\/www.ccoo.cat\/educacio\/wp-json\/wp\/v2\/posts\/203195","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ccoo.cat\/educacio\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ccoo.cat\/educacio\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ccoo.cat\/educacio\/wp-json\/wp\/v2\/users\/5144"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ccoo.cat\/educacio\/wp-json\/wp\/v2\/comments?post=203195"}],"version-history":[{"count":1,"href":"https:\/\/www.ccoo.cat\/educacio\/wp-json\/wp\/v2\/posts\/203195\/revisions"}],"predecessor-version":[{"id":203199,"href":"https:\/\/www.ccoo.cat\/educacio\/wp-json\/wp\/v2\/posts\/203195\/revisions\/203199"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ccoo.cat\/educacio\/wp-json\/wp\/v2\/media\/203198"}],"wp:attachment":[{"href":"https:\/\/www.ccoo.cat\/educacio\/wp-json\/wp\/v2\/media?parent=203195"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ccoo.cat\/educacio\/wp-json\/wp\/v2\/categories?post=203195"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ccoo.cat\/educacio\/wp-json\/wp\/v2\/tags?post=203195"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}