Reports from the Independent Authority for Fiscal Responsibility (AIReF) warn that the pension replacement rate could decrease by 2050. This means the benefit received will be proportionally lower compared to the average salary during working life, although it does not imply a nominal decrease in pensions.

To ensure the system's sustainability and curb the budget deficit, Social Security reforms aim to bring the actual retirement age closer to the legal age. Although currently set at 67 years, pressure to retire later is expected to increase.

In this context, access modalities for pensions are rapidly being reconfigured. Early retirement faces stricter penalties, while delayed retirement is boosted with bonuses to encourage professionals to extend their careers. Recent reforms also seek to make it easier to combine pension benefits with work.