Due to lower salaries and deteriorating living conditions more than one One million retirees work black or white. In most cases, because of the work they do, it has a negative impact on health.
In addition to the number of pensioners working informally, in recent years there has been a sharp increase in the number of pensioners who are regularly employed “at work” with contributions to social security.
Official Social Security numbers indicate that as of June 2025 there were 433,525 retirees with contributions. Of this total, 89,531 were employed, 33,596 in private households, 87,533 self-employed, and 212,865 were listed as Monotributistas.
In 2010, the total number of retirees with contributions was 176,153, In 2015, the number rose to 275,431 In 2023, their total reached 368,458, rising to 433,525 by June 2025.
Greatest growth It has happened among retirees who work as single employees: From 122,356 in 2015, it rose to 212,865 in June 2025. (+ 74%), following the general trend of replacing employees with a subordinate relationship with single employees or because they are professionals who continue to be active.
Already retirees who work informally (more than 600,000) outnumber those who work “white.”
In 2024, the employment rate for the retirement-age population will reach 17.1%, according to INDEC. This percentage is equivalent to 1,070,030 people. This year is higher.
“Although resources from the pension system represent the main source of cash resources for people of retirement age, The number of men who receive income from work is twice the number of women“The INDEC report says.
Moreover, the activity rate of low-income retirees (between the first and fifth deciles) is higher than that of high-income retirees. In these sectors, jobs that have nothing to do with what they did before retirement stand out. They are low-qualified, even unhealthy (night caregivers) or changas, which reduces their life expectancy.
The retirement law allows men and women He can choose to retire at age 70 And those who are retiring or have already retired are working on a registered basis. In this case, they contribute 11% to the pension scheme, but this does not count towards improving or readjusting their assets. The contribution goes to the National Employment Fund.
If a person retires and works for the same employer (and exits as a retiree and then returns to work), the law considers this A new business relationship has begun A new seniority calculation begins in the event of dismissal without cause. The employer and the retired employee do not contribute to the health system (they already deduct it for PAMI or social work as a retiree)
The increase is due to the number of working retirees to deterioration of assets. ANseS data show that, not counting Pensions Non-Contributory (PNC), of the 6,243,863 SIPA beneficiaries, 48% (3 million) receive salaries less than or equal to the minimum salaries (1 million), 16% (600,000) between one and two minimum salaries and 36% are greater than or equal to the minimum salaries (1.6 million).
In November, retirees and pensioners with minimum salaries receive $333,085.39 + $70,000 bonus). Meanwhile, the Universal Pension for the Elderly (PUAM) is US$266,468.35 + US$70,000 gratuity, and the Pension Non-Contributory (PNC) for Disability and Old Age, US$233,159.77 + US$70,000 gratuity).
“Working during retirement is possible Positive effects on physical and mental healthBut the opposite happens when it is a necessity, because for the retired majority the person does not meet his needs and the jobs available are of very low quality,” say the specialists.
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