New Pension Flexibility: Landmark Reforms Announced for 2025
In a significant move to modernize the national social security system, new pension regulations have been unveiled, offering greater flexibility and expanded coverage. These structural changes are designed to align the pension framework with contemporary economic conditions and labor market dynamics.
Key Reforms and Eligibility Expansion
A central feature of the new policy is the extension of retirement eligibility to individuals with less than 15 years of insurance history. Previously ineligible, these individuals can now apply for retirement after meeting new legal criteria and undergoing a precise calculation of their insurance payment records.
Bashir Omrani, Director General of Registration and Individual Accounts at the Social Security Organization, outlined the mechanics of the reform. The calculation for increasing insurance years is officially based on the total insured history up to a specific reference date. This date serves as the benchmark for determining any shortfall in service records and for applying the new increase coefficients.
Breakdown of the New Incremental System
The reform introduces a tiered system to help individuals bridge the gap to a full pension. The key provisions are as follows:
- For records over 28 years: The calculation for pension eligibility remains unchanged from previous regulations, ensuring stability for long-term commitments.
- For records between 25-28 years: For each missing year required for retirement, 2 months will be added to their effective insurance record.
- For records between 20-25 years: For each missing year, 3 months will be added.
- For records between 15-20 years: For each missing year, 4 months will be added.
This graduated approach is tailored to facilitate a smoother path to retirement based on an individual’s existing record.
Transparency and Digital Empowerment
Underpinning these changes is a reinforced commitment to transparency. The Social Security Organization has enhanced its digital platforms to allow citizens to monitor their records closely. All insured individuals can access their detailed insurance history through the official non-attendance services portal at WWW.Es.tamin.ir.
Furthermore, since the beginning of the current Iranian year, the organization has implemented a crucial monthly SMS notification system. These messages inform individuals of key details from their previous month’s record, including workdays, the base wage for insurance calculation, and their registered job title. This initiative empowers individuals to verify and promptly dispute any discrepancies, ensuring accuracy for future pension calculations.
This new pension law represents a milestone in the country’s social security landscape. By introducing compensatory coefficients and providing more transparent mechanisms, it offers necessary flexibility for eligible individuals while upholding the principles of insurance equity.