Bilateral Agreement Retirements
proven experience
Gestionamos your Pension with Latinoamerica
At PCB Pensiones, we have more than 10 years of experience helping our clients to process pensions through bilateral agreements between Spain and Latin American countries such as Ecuador, Argentina, Uruguay, Colombia, Bolivia and Paraguay. We simplify the process so you can enjoy your pension without worrying about the bureaucracy.
What are the bilateral agreement pensions?
Bilateral retirement agreements are international agreements designed to protect the rights of workers who have developed their careers in more than one country. These regulations allow totalizing the contribution periods in the countries involved, ensuring that the work efforts made in different social security systems are recognized when applying for a pension.
How do bilateral retirement agreements work?
When a person has worked in two or more countries, he/she may be entitled to a pension by agreement, the contribution periods in each social security system are added together to meet the minimum retirement requirements, such as the years contributed and the required age. However, each country pays a pension proportional to the time the person contributed in its territory.
For example:
- If you have worked 10 years in Spain and 20 years in Ecuador, both countries will add the 30 years of contributions to determine if you meet the requirements. Spain will pay a proportional pension for the 10 years of contributions and Ecuador will do the same for the 20 years.
Pensions with Argentina
Retirement age: Female 60 years old, Male 65 years old
Time of Contribution: 30 years
For Argentina we manage:
Pension by agreement
Birth Certificates in CABA , Cordoba and MDP
Change of Collection Bank
Recognition of services
Marriage or Divorce Certificates.
Retirement with Ecuador
Retirement age: Woman 60 years old, Man 60 years old
Contribution time: 30 years
For Ecuador we manage:
Pension by agreement
Registration for the voluntary contribution
Ecuadorian work life
Change of collection bank
Retirement with Uruguay
Retirement Age: Woman 60 years old, Man 60 years old
Contribution Time: 30 years
For Uruguay we manage:
Pension by agreement (To start the process it is important to have the access code to the BPS)
Old Age Pension
Uruguayan work life
Change of bank of Collection
Retirement with Colombia
Retirement age: Female 57 years old, Male 62 years old
Contribution time: 1300 weeks
For Colombia we manage:
Pension by agreement (It is very important to have the contributions in Colpensiones)
Enrollment in voluntary contribution
Procedures in Colombia of Powers of Attorney, family procedures and others.
Pensions with Bolivia
Retirement age: Female from 55 years old, Male 58 years old
Time of Contribution: 120 contributions
For Bolivia we manage:
Pension by agreement through two AFPs
Processing of powers of attorney for the collection of the pension in banks. With apostille included.
Retirement with Paraguay
Retirement age: From 55 years old (30 years of contribution) , From 60 years old (25 years of contribution)
For Paraguay we manage:
Pension by agreement
Paraguayan labor life
IPS collection certificates.
How do we do it?
These steps guarantee an agile, transparent and comfortable process, eliminating the complexity of managing international procedures. Schedule your appointment today and let us help you secure your future!
01
Book your appointment online
The first step is simple: schedule your appointment through our online platform. You only need to select the date and time that best suits your availability.
02
Personalized initial consultation
During the appointment, one of our experts will review with you your work history and contribution periods in Spain and the countries with bilateral agreements. We will answer your questions and evaluate if you meet the requirements to access a retirement agreement.
03
Complete processing management
If you decide to continue with the process, we will take care of all the necessary documentation and paperwork in both countries. From requesting contribution certificates to coordinating with social security institutions, our team does all the work for you, without you having to travel.
04
Follow-up and resolution
Once the process has started, we will keep you informed about the progress of your application. If any issues or delays arise, our team will act to resolve them quickly.
Frequently asked questions on bilateral agreement retirements
The time varies according to the countries involved and the complexity of the case. In general, the process can take between 6 and 24 months. Our team expedites the procedures so that you receive your pension as soon as possible.
Each country calculates the pension in proportion to the time you contributed to its system. The final amount will depend on:
- The years contributed in each country.
- The contribution base for those periods.
- The laws in force in each country.
Yes, you can continue working until your application is resolved. However, the laws of each country may affect when you start receiving your pension.
Thanks to bilateral and multilateral agreements, you can add the periods contributed in all of them.
Solicitar quote
To attend the appointment, it is necessary to have a document from Spain (DNI or NIE), the identity document from the country of origin and, if available, the updated employment record.
Please make sure you have these documents in physical or digital format as appropriate.
