Argentina's retirees face insufficient pensions as ANSES tightens requirements

Financial advisors warn that Argentina's traditional expectation of a secure retirement is eroding. Many workers have fragmented careers, informal employment, or interruptions that prevent them from accumulating the required 30 years of contributions. The minimum pension now hovers around 403,317 pesos, which many experts say is insufficient to cover basic living costs, health, housing and food. They stress that pensions should be viewed as a foundation, not the sole income, and recommend supplementary savings, investments and alternative revenue streams.

The National Social Security Administration (ANSES) has outlined the formal criteria for accessing retirement benefits. Women may begin the process at age 60 and men at 65, provided they have at least 30 years of recorded contributions. Applicants must verify their labor history on the Mi ANSES platform, correct any gaps, and gather required documents such as identity cards, contribution certificates and, for women, evidence of caregiving periods. The agency advises scheduling an appointment online and presenting all paperwork in person to avoid administrative delays.