Social Security has confirmed a special early retirement modality benefiting Canary Islanders with certain illnesses. This regulation allows affected employees to retire up to 10 years before the legal age, without suffering the usual reductions in pension amounts.
This option is available for individuals with a recognized disability of 45% or more, stemming from pathologies included in an official list. In cases where the disability reaches 65%, retirement can be advanced to as early as 52 years old. Unlike ordinary early retirement, this special modality does not apply financial penalties.
The key to this benefit lies in Social Security considering the years advanced beyond the ordinary retirement age as credited, counting them as fictitious contributions. This helps the worker reach the necessary percentage to receive 100% of their regulatory base.
To access this retirement without cuts, requirements include being at least 56 years old (or 52 if the disability is 65%), having contributed for at least 15 years, with five of those years worked after the disability was recognized, and the disability must be caused by one of the diseases specified in the official catalog.
Among the pathologies that allow access to this modality are Amyotrophic Lateral Sclerosis (ALS), Multiple Sclerosis, Parkinson's Disease, Down Syndrome, Autism Spectrum Disorders (ASD), Schizophrenia, Bipolar Disorder, and Chronic Kidney Disease stage 5, among others.
The application must be submitted to the National Social Security Institute (INSS), providing documentation proving the degree of disability and the causative pathology, along with the usual retirement paperwork. The granted benefit is an ordinary contributory retirement with a special access regime, which is lifelong and calculated based on contribution bases.
