{"id":6936,"date":"2025-11-04T00:00:00","date_gmt":"2025-11-04T00:00:00","guid":{"rendered":"https:\/\/www.contem.es\/contingencias-que-permiten-rescatar-el-plan\/"},"modified":"2025-11-04T00:00:00","modified_gmt":"2025-11-04T00:00:00","slug":"contingencias-que-permiten-rescatar-el-plan","status":"publish","type":"post","link":"https:\/\/www.contem.es\/es\/contingencias-que-permiten-rescatar-el-plan\/","title":{"rendered":"Contingencias que permiten rescatar el plan"},"content":{"rendered":"<p>Usted puede cobrar las cantidades acumuladas de su plan de pensiones (los \u201cderechos consolidados\u201d) tras la jubilaci\u00f3n reconocida por la Seguridad Social (ya sea a la edad ordinaria, anticipada o demorada) o bien, si no puede acceder a la jubilaci\u00f3n, a partir de los 65 a\u00f1os (siempre que no ejerza ninguna actividad y no se encuentre cotizando).<\/p>\n<p>Adem\u00e1s, existen otras situaciones que permiten rescatar los derechos consolidados. V\u00e9alas a continuaci\u00f3n:<\/p>\n<ul>\n<li>Caer en situaci\u00f3n de incapacidad permanente total para la profesi\u00f3n habitual, incapacidad permanente absoluta o gran invalidez, as\u00ed como en casos de dependencia severa o gran dependencia.<\/li>\n<li>Sufrir <i>una enfermedad grave<\/i> que incapacite para la ocupaci\u00f3n o actividad habitual durante un per\u00edodo continuado m\u00ednimo de tres meses y requiera intervenci\u00f3n cl\u00ednica de cirug\u00eda mayor o tratamiento en un centro hospitalario, o bien que suponga secuelas permanentes que limiten la ocupaci\u00f3n o actividad (en ambos casos la dolencia no debe dar lugar a la percepci\u00f3n de una prestaci\u00f3n por incapacidad permanente, y debe suponer una disminuci\u00f3n de la renta disponible por aumento de gastos o reducci\u00f3n de ingresos).<\/li>\n<li>Estar en desempleo de larga duraci\u00f3n, siempre que no tenga derecho a prestaciones por desempleo en su nivel contributivo (o por haberlas agotado).<\/li>\n<li><i>Por fallecimiento<\/i>, en cuyo caso son las personas designadas como beneficiarias en el propio plan las que pueden rescatarlo.<\/li>\n<li>Por \u00faltimo, recuerde que desde el 1 de enero de 2025 puede retirar las aportaciones efectuadas hasta 2015, junto con los rendimientos generados. Las aportaciones realizadas a partir de 2016 podr\u00e1n retirarse desde el momento en el que se cumpla el plazo m\u00ednimo de mantenimiento de diez a\u00f1os.<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<p>\u00a0<\/p>\n<p> Nuestros profesionales le informar\u00e1n sobre las ventajas fiscales de los planes de pensiones y sobre las circunstancias que permiten rescatar las aportaciones realizadas.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Usted puede cobrar las cantidades acumuladas de su plan de pensiones (los &ldquo;derechos consolidados&rdquo;) tras la jubilaci&oacute;n reconocida por la Seguridad Social (ya sea a la edad ordinaria, anticipada o demorada) o bien, si no puede acceder a la jubilaci&oacute;n, a partir de los 65 a&ntilde;os (siempre que no ejerza ninguna actividad y no se [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":6937,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[],"class_list":["post-6936","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fiscal"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Contingencias que permiten rescatar el plan | Contem Assessors<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.contem.es\/es\/contingencias-que-permiten-rescatar-el-plan\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Contingencias que permiten rescatar el plan | Contem Assessors\" 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