The medical profession looks forward to the changes the new government pension reform will bring. At the moment, retirement is a significant decrease in the doctors’ salaries since the contribution base it is usually lower than your salary, Especially when in addition to the ordinary day they have continuous attention or guards.
And is that in the current system there is a limit on the price, which in Spain is currently 4,070.10 euros. That is to say, from this amount it is no longer quoted although in the payroll the gross amount is greater, and, therefore, no more rights are generated as far as amount of the retirement is generated either; Thus, the maximum that a doctor could charge is 2,707.49 euros gross per month in 14 payments.
Concepts of continuous care, the guards, Have a different effect depending on the years exercised. In the case of Jo, Which do not reach the maximum contribution limit, if they fall within the contribution base. However, in the case of attachments, which exceed the contribution limit, the guards do not count in the face of retirement.
Those workers who exceed the maximum contribution suffer significant pay losses of between 30 and 50 percent, corresponding to the difference between the salary of the active doctor and his pension, as explained by the State Confederation of Medical Unions (CESM).
Uncover in the quote
One of the demands of the group is, therefore, end this cap on the contribution base. However, the so-called ‘destope’, in addition to having to affect all workers in the country, could find a future impediment such as the limit on the amount of retirement, so that no more rights would be generated even to contribute more to have the same pension.
Likewise, the shortfall in the amount of the pension cannot be applied to a single sector or profession, and bearing in mind that corrective factors are being applied which seek to lower the amount of the pensions, “it is difficult to one day apply a destope of the amount of the maximum pension“, Lament from the union.
per calculate the amount received it is necessary to add the contribution bases of the last 25 years, taking into account that their nominal value will be applied in the last 2 years, and that in the previous ones it will be updated according to the Consumer Price Index. This situation, according to the union, it does not favor the profession since the more years are taken into account – as salaries have usually been increased – the usual thing is to decrease the amount of the pension.
early retirement
Another possibility is to apply for early retirement, provided that the following requirements are met: 35 years of contributions and 64 years of age. Each year will increase the time required until 2027, when it will take 38 years and 6 months to contribute or have reached, if not, at 67 years.
In addition, the amount must be higher than the minimum corresponding to the family situation at the age of 65. From the contribution period to at least 2 years must be included within the 15 years immediately preceding the time of causing the right. A reduction coefficient is also applied that depends on the number of quarters we anticipate retirement and the years contributed. A figure that will change with the entry into force of the Pension Guarantee Bill of the Ministry of Social Security from 2024. In most cases they will improve except when the period of early termination is two years. like this, the most punishable would be those who retire at age 63 with less than 36 years and 6 months of contributions, as it would go from the current 16 percent penalty to 21 percent.
Risk profession
The staff that includes the passive classes are civil servants, among whom are the APD doctors. If this is the case for civil servants with an appointment prior to 1 January 2011 belonging to the passive class system, they may continue to retire at the age of 60 without penalty, as long as they have 30 years of service in the State (RDL 670 / 1987). In this the pension reform does not affect them. Yes, they will benefit from the incentives to delay the retirement age presented by the 2021 pension reform.
The best solution, according to CESM, is declare Medicine as a risky profession to be able to advance the retirement age without incurring a penalty, As with other workers such as firefighters. For the time being, the procedures for this have been initiated based on RD 171/2004 on work with exposure to biological agents. The body argues that there are many biological agents (bacteria, viruses, parasites) with which doctors have contact in professional practice. The most recent of them is andl SARS-COV2, Which has been classified as risk 3, although the Collegiate Medical Organization has requested that it be classified as risk 4. “That is why as a risk profession we should be entitled to early retirement without penalties. “.
To be able to access the risk profession declaration one is required mandatory study with indicators such as accidents in the sector, distinguishing between the index of accidents at work and the index of occupational diseases, morbidity and mortality due to illness and their direct relationship with work, and the permanent disability arising from illness in the terms indicated in article 115.2.e) of the Law General of Social Security, which occur in a higher than average degree.
Working conditions are also taken into account, according to peligrosidad, unhealthiness and toxicity, the shifts, the night work and submission to rhythms of production; the relationship with the age of the worker and the time of exposure to the risk; the physical and / or mental requirements required for the development of the activity and the approximate age from which it is not advisable to enter the sector or group, or from which it cannot reasonably develop the activity.
Danger at night work
This study must also contain the possibilities of modifying working conditions in the sector or activity, in accordance with the report issued for this purpose by the Labor and Social Security Inspectorate.
Therefore, the records to be able to access this are essential (accident rate, mortality, morbidity) and also that the infection of SARS-COV2 be declared an occupational disease, although now those available “are quite incomplete, even those of Covid-19”.
Besides the fact of being night workers it also makes them candidates for early retirement without penalties, given that the psychophysical requirements required in the development of the activity of the night medical care cannot be performed from a certain age. In addition, the daytime drowsiness it entails increases the risk of mistakes and negligence.
For all this, CESM has proposed an early retirement proposal for all doctors so that Medicine is considered a risky profession, and that includes the risk of illness for doctors who work at night.
Although it may contain statements, data or notes from institutions or health professionals, the information contained in Redacción Médica is edited and prepared by journalists. We recommend to the reader that any questions related to health be consulted with a health professional.