{"id":60755,"date":"2024-11-22T17:01:32","date_gmt":"2024-11-22T16:01:32","guid":{"rendered":"https:\/\/www.fondapi.it\/prestacion-de-pension-en-forma-de-renta\/"},"modified":"2025-11-12T08:41:40","modified_gmt":"2025-11-12T07:41:40","slug":"prestacion-de-pension-en-forma-de-renta","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/es\/como-funciona\/adhesion-trabajadores\/rescate-del-fondo-de-pensiones\/prestacion-de-pension-en-forma-de-renta\/","title":{"rendered":"Prestaci\u00f3n de pensi\u00f3n en forma de renta"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"60755\" class=\"elementor elementor-60755 elementor-59840\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc035fc e-flex e-con-boxed e-con e-parent\" data-id=\"cc035fc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1a6d6903 e-flex e-con-boxed e-con e-child\" data-id=\"1a6d6903\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49813f0b elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"49813f0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-breadcrumbs jet-blocks\">\n\t\t<div class=\"jet-breadcrumbs\">\n\t\t<div class=\"jet-breadcrumbs__content\">\n\t\t<div class=\"jet-breadcrumbs__wrap\"><div class=\"jet-breadcrumbs__item\"><a href=\"https:\/\/www.fondapi.it\/es\/\" class=\"jet-breadcrumbs__item-link is-home\" rel=\"home\" title=\"Inicio\">Inicio<\/a><\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a6db5b3 elementor-widget elementor-widget-html\" data-id=\"5a6db5b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>document.addEventListener(\"DOMContentLoaded\", function() {\n  var observer = new MutationObserver(function(mutations) {\n    mutations.forEach(function(mutation) {\n      var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n      if (link) {\n        link.addEventListener(\"click\", function(event) {\n          event.preventDefault();\n        });\n      }\n    });\n  });\n\n  observer.observe(document.body, { childList: true, subtree: true });\n\n  var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n  if (link) {\n    link.addEventListener(\"click\", function(event) {\n      event.preventDefault();\n    });\n  }\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f399f24 e-flex e-con-boxed e-con e-child\" data-id=\"2f399f24\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ba9fd13 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"3ba9fd13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">RESCATE DEL FONDO DE PENSIONES<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d122d e-flex e-con-boxed e-con e-parent\" data-id=\"3d122d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-66f21733 e-con-full e-flex e-con e-child\" data-id=\"66f21733\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43f95a50 elementor-widget elementor-widget-heading\" data-id=\"43f95a50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 es la prestaci\u00f3n de pensi\u00f3n en forma de renta?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f96af81 elementor-widget elementor-widget-text-editor\" data-id=\"3f96af81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La prestaci\u00f3n de pensi\u00f3n en forma de renta es un tipo de pensi\u00f3n complementaria que se paga <strong>peri\u00f3dicamente durante toda la vida del part\u00edcipe<\/strong>, una vez adquirido el derecho a la pensi\u00f3n estatal.<\/p><p>El importe de la renta se calcula en base al capital acumulado por el part\u00edcipe y su edad en el momento de la jubilaci\u00f3n. Este c\u00e1lculo se realiza aplicando coeficientes de conversi\u00f3n que tienen en cuenta factores como la evoluci\u00f3n demogr\u00e1fica de la poblaci\u00f3n italiana, y se diferencia seg\u00fan la edad y el sexo del part\u00edcipe. <br><br>En resumen, un capital mayor o una edad m\u00e1s avanzada en el momento de la jubilaci\u00f3n implican una renta m\u00e1s elevada.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25f6a107 e-con-full e-flex e-con e-child\" data-id=\"25f6a107\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55d17db3 elementor-widget elementor-widget-image\" data-id=\"55d17db3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1335\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa.webp\" class=\"attachment-full size-full wp-image-60756\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa.webp 1335w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa-684x1024.webp 684w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa-768x1151.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa-1025x1536.webp 1025w\" sizes=\"(max-width: 1335px) 100vw, 1335px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1bdc2312 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"1bdc2312\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-345bed14 e-flex e-con-boxed e-con e-parent\" data-id=\"345bed14\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2f84bb2b e-con-full e-flex e-con e-child\" data-id=\"2f84bb2b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3395f945 elementor-widget elementor-widget-image\" data-id=\"3395f945\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1333\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/familiare-carico.webp\" class=\"attachment-full size-full wp-image-60612\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/familiare-carico.webp 1333w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/familiare-carico-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/familiare-carico-682x1024.webp 682w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/familiare-carico-768x1152.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/familiare-carico-1024x1536.webp 1024w\" sizes=\"(max-width: 1333px) 100vw, 1333px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-189a7a2d e-con-full e-flex e-con e-child\" data-id=\"189a7a2d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c52cca8 elementor-widget elementor-widget-heading\" data-id=\"c52cca8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00bfCu\u00e1ndo se adquiere el derecho a la <span style=\"color: #3997B9\">prestaci\u00f3n de pensi\u00f3n en forma de renta<\/span>? <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-710c7d5d elementor-widget elementor-widget-text-editor\" data-id=\"710c7d5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Como ya se ha visto en la p\u00e1gina relativa al <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.fondapi.it\/come-funziona\/adesione-lavoratori\/riscatto-fondo-pensione\/\">rescate del Fondo de pensiones<\/a><\/strong><\/span>, el derecho a la prestaci\u00f3n de pensi\u00f3n complementaria (para simplificar, pensi\u00f3n complementaria) se adquiere una vez cumplidos los requisitos de acceso a la pensi\u00f3n obligatoria, con al menos cinco a\u00f1os de participaci\u00f3n en el sistema de previsi\u00f3n complementaria. <\/p><p>El part\u00edcipe puede elegir recibir la prestaci\u00f3n de pensi\u00f3n (pensi\u00f3n complementaria):<\/p><ul><li><strong>\u00edntegramente en forma de renta<\/strong>, mediante el pago de la pensi\u00f3n complementaria en diferentes plazos;<\/li><li><strong>parte en capital<\/strong> (hasta un m\u00e1ximo del 50% de la posici\u00f3n acumulada) y parte en forma de renta<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7996bda e-con-full e-flex e-con e-child\" data-id=\"7996bda\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b6f0d8 elementor-widget elementor-widget-text-editor\" data-id=\"4b6f0d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>\u00a1ATENCI\u00d3N!<\/strong><\/p><p>En caso de que, al convertir en renta al menos el 70% de la posici\u00f3n individual acumulada, el importe de la pensi\u00f3n complementaria sea inferior a la mitad de la prestaci\u00f3n social del INPS (puede verificar el valor actualizado en la web <strong><a href=\"http:\/\/www.inps.it\"><span style=\"text-decoration: underline;\"><span style=\"color: #ffffff; text-decoration: underline;\">www.inps.it<\/span><\/span><\/a><\/strong><a href=\"http:\/\/www.inps.it\"><span style=\"color: #ffffff;\">)<\/span><\/a>, el part\u00edcipe puede optar por recibir la prestaci\u00f3n \u00edntegra en forma de capital.<\/p><p>A efectos de determinar la antig\u00fcedad de inscripci\u00f3n necesaria para obtener las prestaciones de pensiones complementarias, se consideran \u00fatiles todos los per\u00edodos de participaci\u00f3n en los planes de pensiones complementarios acumulados por el part\u00edcipe respecto a los cuales no haya ejercido el rescate total.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6622923b e-flex e-con-boxed e-con e-parent\" data-id=\"6622923b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7859f675 e-con-full e-flex e-con e-child\" data-id=\"7859f675\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-19efde16 elementor-widget elementor-widget-heading\" data-id=\"19efde16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Qu\u00e9 tipos de <span style=\"color: #3997B9\">prestaci\u00f3n de pensi\u00f3n en forma de renta<\/span> ofrece Fondapi<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e756838 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e756838\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">La prestaci\u00f3n de pensi\u00f3n en forma de renta transforma el capital acumulado en una renta peri\u00f3dica, garantizando seguridad financiera durante la jubilaci\u00f3n.<\/p><p style=\"text-align: center;\">Dado que las necesidades de los part\u00edcipes pueden ser muy diferentes, Fondapi permite elegir entre varias opciones, dise\u00f1adas para satisfacer sus prioridades: mayor renta, protecci\u00f3n para sus seres queridos o apoyo en caso de necesidad como la dependencia.<\/p><p style=\"text-align: center;\">\u00a1Elija la soluci\u00f3n m\u00e1s adecuada para usted!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-48af16a5 e-con-full e-flex e-con e-child\" data-id=\"48af16a5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-65181a6e e-con-full e-flex e-con e-child\" data-id=\"65181a6e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-5e58911 e-flex e-con-boxed e-con e-child\" data-id=\"5e58911\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ddfc215 elementor-widget elementor-widget-heading\" data-id=\"3ddfc215\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Renta anual vitalicia inmediata<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35c5195b elementor-widget elementor-widget-text-editor\" data-id=\"35c5195b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La renta vitalicia inmediata revalorizable de prima \u00fanica garantiza al part\u00edcipe un <b>pago peri\u00f3dico durante toda su vida, extingui\u00e9ndose en el momento de su fallecimiento.<\/b> <\/p><p>Es ideal para quien desea obtener <b>el importe m\u00e1s alto posible<\/b> de la suma acumulada, <b>sin<\/b> prever <b>protecciones<\/b> para los supervivientes o coberturas adicionales para s\u00ed mismo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b7ee1ed e-con-full e-flex e-con e-child\" data-id=\"5b7ee1ed\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-5ee3e668 e-flex e-con-boxed e-con e-child\" data-id=\"5ee3e668\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12d22653 elementor-widget elementor-widget-heading\" data-id=\"12d22653\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Renta anual vitalicia inmediata cierta por 5 o 10 a\u00f1os<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e6f21bb elementor-widget elementor-widget-text-editor\" data-id=\"2e6f21bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La renta vitalicia inmediata cierta por 5 o 10 a\u00f1os <b>garantiza<\/b> un pago peri\u00f3dico al part\u00edcipe o a sus beneficiarios <b>durante los primeros 5 o 10 a\u00f1os.<\/b> <\/p><p>Si el part\u00edcipe sigue con vida al t\u00e9rmino de este per\u00edodo, la renta contin\u00faa durante toda su vida; en caso contrario, se extingue. Es ideal para quien desea <g id=\"gid_0\">proteger<\/g> a sus supervivientes durante un <g id=\"gid_1\">per\u00edodo limitado<\/g>. El beneficiario puede cambiarse incluso despu\u00e9s del inicio de los pagos.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d4c47f e-con-full e-flex e-con e-child\" data-id=\"7d4c47f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-6999019 e-con-full e-flex e-con e-child\" data-id=\"6999019\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-8907353 e-flex e-con-boxed e-con e-child\" data-id=\"8907353\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-417a474 elementor-widget elementor-widget-heading\" data-id=\"417a474\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Renta anual vitalicia inmediata\nreversible<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16b731b elementor-widget elementor-widget-text-editor\" data-id=\"16b731b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La renta vitalicia inmediata reversible garantiza un <b>pago<\/b> peri\u00f3dico al part\u00edcipe <b>durante toda su vida<\/b>. A su fallecimiento, la renta pasa al <b>beneficiario designado<\/b> (reversible), total o parcialmente, y se extingue con el fallecimiento de este \u00faltimo. <b>Es ideal para quien desea asegurar una fuente de ingresos a un superviviente.<\/b> Una vez iniciados los pagos, <b>el beneficiario NO puede cambiarse<\/b>. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5824981 e-con-full e-flex e-con e-child\" data-id=\"5824981\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-7449007 e-flex e-con-boxed e-con e-child\" data-id=\"7449007\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8c9f5a elementor-widget elementor-widget-heading\" data-id=\"f8c9f5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Renta anual vitalicia inmediata con contraaseguro decreciente<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5f410d elementor-widget elementor-widget-text-editor\" data-id=\"e5f410d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La renta vitalicia inmediata contraasegurada garantiza un pago peri\u00f3dico al part\u00edcipe durante toda su vida. A su fallecimiento, los beneficiarios reciben un capital, si la suma inicialmente aportada es mayor que el total ya pagado como renta. <\/p><p><strong>Es ideal para quien desea garantizar que los supervivientes puedan recibir la parte residual de lo que no se ha recibido en forma de renta.<\/strong><\/p><p>El beneficiario puede cambiarse incluso despu\u00e9s del inicio de los pagos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b62d981 e-con-full e-flex e-con e-child\" data-id=\"b62d981\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-e25d756 e-con-full e-flex e-con e-child\" data-id=\"e25d756\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-4128722 e-flex e-con-boxed e-con e-child\" data-id=\"4128722\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa466ab elementor-widget elementor-widget-heading\" data-id=\"fa466ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Renta LTC<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-323e051 elementor-widget elementor-widget-text-editor\" data-id=\"323e051\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La renta vitalicia inmediata con incremento en caso de p\u00e9rdida de autonom\u00eda garantiza un pago peri\u00f3dico al part\u00edcipe durante toda su vida. <\/p><p>Si durante el pago el <b>part\u00edcipe pierde su autonom\u00eda<\/b>, el <b>importe<\/b> de la renta se <b>duplica<\/b>. La renta termina con el fallecimiento y est\u00e1 disponible solo para <b>part\u00edcipes hasta 70 a\u00f1os<\/b>, previa aceptaci\u00f3n del riesgo por parte del seguro.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70d0d37 e-con-full e-flex e-con e-child\" data-id=\"70d0d37\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-971877a e-flex e-con-boxed e-con e-child\" data-id=\"971877a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9458ea6 elementor-widget elementor-widget-heading\" data-id=\"9458ea6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Simulador de rentas<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad229f3 elementor-widget elementor-widget-text-editor\" data-id=\"ad229f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00bfEst\u00e1 evaluando qu\u00e9 renta elegir para su futuro? <\/p><p>Utilice nuestro <strong>simulador de renta<\/strong>: una herramienta sencilla e intuitiva que le ayuda a comparar las diferentes opciones disponibles y encontrar la m\u00e1s adecuada a sus necesidades.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9907ba5 elementor-button-info elementor-widget elementor-widget-button\" data-id=\"9907ba5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/prestazioni.mefop.it\/assofondi2019\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">simule su renta<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-242adbcb e-flex e-con-boxed e-con e-parent\" data-id=\"242adbcb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6247817b e-con-full e-flex e-con e-child\" data-id=\"6247817b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30beefef elementor-widget elementor-widget-heading\" data-id=\"30beefef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Documentaci\u00f3n informativa adicional<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72175bc7 elementor-widget elementor-widget-text-editor\" data-id=\"72175bc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: left;\">La documentaci\u00f3n contractual de las rentas, disponible en la secci\u00f3n <em><strong>\u00abOtros documentos y motores de c\u00e1lculo\u00bb<\/strong><\/em> de la p\u00e1gina web <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.fondapi.it\/documenti-ufficiali\/#altri-documenti-motori\"><strong>\u00abDOCUMENTOS OFICIALES\u00bb<\/strong><\/a><\/span> y a la que se remite para cualquier detalle adicional.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b13eb3e elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"3b13eb3e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4bf780b3 e-flex e-con-boxed e-con e-parent\" data-id=\"4bf780b3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-157989ed elementor-widget elementor-widget-heading\" data-id=\"157989ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">\u00bfSe acerca la jubilaci\u00f3n?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-531c5955 elementor-widget elementor-widget-text-editor\" data-id=\"531c5955\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Si le faltan <strong>menos de 6 meses para la jubilaci\u00f3n<\/strong> y desea ser contactado por Fondapi para una <strong>consulta personalizada<\/strong>, res\u00e9rvela mediante el bot\u00f3n de abajo.<\/p><p>O escriba un correo electr\u00f3nico a <span style=\"text-decoration: underline; color: #ffffff;\"><strong><a style=\"color: #ffffff; text-decoration: underline;\" href=\"mailto:pensione@fondapi.it\">pensione@fondapi.it<\/a><\/strong><\/span> indicando su nombre y su consulta: \u00a1le contactaremos lo antes posible!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-53739e22 e-flex e-con-boxed e-con e-child\" data-id=\"53739e22\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53074f4f elementor-widget elementor-widget-button\" data-id=\"53074f4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/outlook.office365.com\/owa\/calendar\/Prenotazioni@fondapi.eu\/bookings\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Consulta sobre pensi\u00f3n<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home RESCATE DEL FONDO DE PENSIONES \u00bfQu\u00e9 es la prestaci\u00f3n de pensi\u00f3n en forma de renta? La prestaci\u00f3n de pensi\u00f3n en forma de renta es un tipo de pensi\u00f3n complementaria que se paga peri\u00f3dicamente durante toda la vida del part\u00edcipe, una vez adquirido el derecho a la pensi\u00f3n estatal. El importe de la renta se [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":60972,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-60755","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Prestaci\u00f3n de pensi\u00f3n en forma de renta - Fondapi<\/title>\n<meta name=\"description\" content=\"Descubra la prestaci\u00f3n de pensi\u00f3n en forma de renta para transformar su capital en una pensi\u00f3n complementaria.\" \/>\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.fondapi.it\/es\/como-funciona\/adhesion-trabajadores\/rescate-del-fondo-de-pensiones\/prestacion-de-pension-en-forma-de-renta\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Prestaci\u00f3n de pensi\u00f3n en forma de renta - 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