How Does the 2025 Pension Reform Affect You?
Changes to retirement benefits should be reviewed by type and effective date. This explanation refers to the changes applicable starting in 2025; individual eligibility requirements and the actual year of retirement should be verified with Social Security.
Changes to retirement benefits should be reviewed by type and effective date. This explanation refers to the changes applicable starting in 2025; individual eligibility requirements and the actual year of retirement should be verified with Social Security.
Regular Retirement and Pension Percentage
The standard retirement age depends on the year and the number of contribution years. Meeting the age requirement alone does not guarantee receipt of 100 percent of the regulatory base: the calculation of the benefit amount follows its own rules.
Active retirement starting in April 2025
It allows individuals to continue working while receiving a pension under specific conditions. Generally, the start of pension benefits must be deferred for at least one year beyond the applicable legal retirement age. The percentage of the pension that can be received while working varies depending on the length of the deferral and may increase during the period of employment. This is not limited to part-time work.
Partial and Deferred Retirement
These are different types of active retirement. Partial retirement combines reduced work hours with a pension under the specified circumstances. Deferred retirement offers incentives for delaying retirement. It is advisable to review the requirements and eligibility criteria for each option before comparing the amounts.
What to Review in Your Planning
Check your work history, contribution bases, projected retirement date, expenses, and disposable income. Private savings can supplement your retirement resources, but their risks, costs, and payout terms depend on the investment vehicle you choose.
Where to Report Your Case
Check the official information and request a personalized estimate from Social Security. For private savings, request current documentation and consider the tax implications of the payout. The 2025 rules should not be automatically extrapolated to subsequent years.
Sources and Further Reading
Informational content provided by SR Nexus. This does not replace official product documentation or an individual assessment of personal circumstances. Editorial update: November 10, 2026.
