{"id":26085,"date":"2025-06-10T16:46:03","date_gmt":"2025-06-10T21:46:03","guid":{"rendered":"https:\/\/icazalaw.com\/?p=26085"},"modified":"2025-06-30T15:11:51","modified_gmt":"2025-06-30T20:11:51","slug":"reforma-de-la-seguridad-social-de-panama-ley-462","status":"publish","type":"post","link":"https:\/\/icazalaw.com\/es\/2025\/06\/reforma-de-la-seguridad-social-de-panama-ley-462\/","title":{"rendered":"Reforma a la Ley de la Caja de Seguro Social de Panam\u00e1"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Aspectos clave de las enmiendas a la Ley 462, que reforma el r\u00e9gimen de Seguridad Social en Panam\u00e1<\/h2>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignleft size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"833\" height=\"416\" src=\"https:\/\/icazalaw.com\/wp-content\/uploads\/2025\/06\/KT-JJV.png\" alt=\"\" class=\"wp-image-26211\" style=\"width:329px;height:auto\" srcset=\"https:\/\/icazalaw.com\/wp-content\/uploads\/2025\/06\/KT-JJV.png 833w, https:\/\/icazalaw.com\/wp-content\/uploads\/2025\/06\/KT-JJV-300x150.png 300w, https:\/\/icazalaw.com\/wp-content\/uploads\/2025\/06\/KT-JJV-150x75.png 150w, https:\/\/icazalaw.com\/wp-content\/uploads\/2025\/06\/KT-JJV-768x384.png 768w, https:\/\/icazalaw.com\/wp-content\/uploads\/2025\/06\/KT-JJV-480x240.png 480w\" sizes=\"auto, (max-width:767px) 480px, (max-width:833px) 100vw, 833px\" \/><\/figure>\n<\/div>\n\n\n<p><\/p>\n\n\n\n<p><strong>Por: <a href=\"https:\/\/icazalaw.com\/es\/expertos\/javier-vallarino\/\">Javier Jos\u00e9 Vallarino<\/a> y <a href=\"https:\/\/icazalaw.com\/es\/expertos\/karen-y-tejeira-s\/\">Karen Tejeira<\/a><\/strong><\/p>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><strong>Incremento en la Cuota Patronal<\/strong><\/strong><\/h4>\n\n\n\n<p>La cuota patronal, se incrementa de manera paulatina o escalonada en tres (3) puntos porcentuales, de la siguiente manera:<\/p>\n\n\n\n<p>A\u00a0 partir del 1 de abril de 2025, aumenta 1%, de 12.25% a <strong><u>13.25%<\/u><\/strong>.<ul><li>A\u00a0 partir del 1 de marzo de 2027, aumenta 1%, de 13.25% a <strong><u>14.25%<\/u><\/strong>.<\/li><\/ul><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A&nbsp; partir del 1 de marzo de 2029, aumenta 1%, de 14.25% a <strong><u>15.25%<\/u><\/strong>.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Cuota Obrera<\/strong><\/h4>\n\n\n\n<p>No aumenta la cuota obrera que pagan los trabajadores, la cual se mantiene en 9.75%.<\/p>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><strong><strong><strong>Incremento en las Sanciones por Incumplimiento<\/strong><\/strong><\/strong><\/strong><\/h4>\n\n\n\n<p>Se incrementa el monto de las sanciones o multas que puede imponer la Caja de Seguro Social a los empleadores en caso de incumplimiento a sus obligaciones patronales, as\u00ed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Declaraciones falsas, subdeclaraciones u omisiones: multa de hasta B\/.30,000.00.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Incumplimiento en la obligaci\u00f3n de suministrar informar solicitada por la Caja de seguro Social: multa de hasta B\/.50,000.00.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Simulaci\u00f3n de actos jur\u00eddicos: Multa de hasta B\/.50,000.00.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sanciones por otras infracciones a la Ley Org\u00e1nica y sus Reglamentos: Multa de hasta B\/.25,000.00.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><strong>Edad de Jubilaci\u00f3n<\/strong><\/strong><\/h4>\n\n\n\n<p>Se mantiene la edad de jubilaci\u00f3n (edad de referencia) en 57 a\u00f1os para las damas, y 62 a\u00f1os para los caballeros.<\/p>\n\n\n\n<p>La edad de referencia para acceder a la pensi\u00f3n de retiro por vejez o jubilaci\u00f3n, ser\u00e1 revisada en los pr\u00f3ximos seis (6) a\u00f1os.<\/p>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><strong><strong>Trabajadores Independientes<\/strong><\/strong><\/strong><\/h4>\n\n\n\n<p>Todos los trabajadores independientes (no sujetos a subordinaci\u00f3n jur\u00eddica ni a dependencia econ\u00f3mica) que ingresen al sistema de la Caja de Seguro Social a partir de la fecha de entrada en vigencia de la Ley 462 (18 de marzo de 2025), quedar\u00e1n comprendidos en el nuevo sistema de capitalizaci\u00f3n con garant\u00eda solidaria.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Para el riesgo de Invalidez, Vejez y Muerte, los trabajadores independientes cotizar\u00e1n al r\u00e9gimen de seguro social el 9.36% del ingreso cotizable del trabajador independiente.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>De manera voluntaria, el trabajador independiente tambi\u00e9n podr\u00e1 afiliarse al programa (riesgo) de Enfermedad y Maternidad, en cuyo caso cotizar\u00e1 al r\u00e9gimen de seguro social el 8.5% sobre el ingreso cotizable que declare, el cual no podr\u00e1 ser inferior a B\/.800.00 mensuales.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Nuevo Sistema de Capitalizaci\u00f3n con Garant\u00eda Solidaria en Materia de Pensi\u00f3n de Retiro por Vejez<\/strong><\/h4>\n\n\n\n<p>Estar\u00e1n comprendidos en el nuevo sistema de capitalizaci\u00f3n con garant\u00eda solidaria:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Los trabajadores asegurados que se encuentren adscritos al subsistema exclusivamente de beneficio definido o al subsistema mixto de pensiones, y decidan voluntariamente participar o migrar al sistema \u00fanico de capitalizaci\u00f3n con garant\u00eda solidaria, dentro de los siguientes doce (12) meses siguientes contados a partir del 18 de marzo de 2025.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Los trabajadores por cuenta ajena o los trabajadores independientes, que se afilien al sistema por primera vez, a partir de la promulgaci\u00f3n de la Ley 362, es decir, a partir del 18 de marzo de 2025.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Los trabajadores asegurados que, a partir del 1 de marzo de 2036 (<strong><em><u>pero estimamos que esto se \u201cmodificar\u00e1\u201d a 2032<\/u><\/em><\/strong>), a\u00fan se mantengan comprendidos o adscritos al subsistema mixto de pensiones.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><strong><strong>Mi Caja Digital<\/strong><\/strong><\/strong><\/h4>\n\n\n\n<p>La nueva administraci\u00f3n de la Caja de Seguro Social, ha desarrollado el programa \u201cMI CAJA DIGITAL\u201d, a trav\u00e9s del cual todos los trabajadores asegurados podr\u00e1n tener acceso inmediato a informaci\u00f3n valiosa que les permitir\u00e1:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Precisar en cu\u00e1l sistema de c\u00e1lculo de la pensi\u00f3n de retiro por vejez se encuentran comprendidos.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Conocer su historial de cuotas aportadas o cotizadas a la Instituci\u00f3n.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Proyectar o calcular su pensi\u00f3n de retiro por vejez. &nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Proyectar o calcular su pensi\u00f3n de retiro por vejez si deciden cambiarse al nuevo sistema de capitalizaci\u00f3n con garant\u00eda solidaria.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><strong><strong>Aporte anual del Estado<\/strong><\/strong><\/strong><\/h4>\n\n\n\n<p>El Estado se obliga a realizar un aporte anual de <strong>B\/.966,000,000.00 <\/strong>a la Caja de Seguro Social para cubrir el d\u00e9ficit actuarial del Riesgo de Invalidez, Vejez y Muerte, que se ajustar\u00e1 anualmente.<\/p>\n\n\n\n<div style=\"height:18px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading\"><strong><strong>De las inversiones<\/strong><\/strong><\/h4>\n\n\n\n<p>La Junta Directiva de la Caja de Seguro Social, podr\u00e1 delegar hasta el 10% de los Fondos de Reserva de los programas que gestiona y dirige esta Instituci\u00f3n, para que sean administrados\/invertidos por administradoras de inversi\u00f3n privadas, manteni\u00e9ndose en control del Banco Nacional de Panam\u00e1 y de la Caja de Ahorros, la administraci\u00f3n y ejecuci\u00f3n del 90% restante.&nbsp;<\/p>\n\n\n\n<p>En consecuencia, la Ley 462 de 2025 no privatiza los Fondos de Reserva de la Caja de Seguro Social.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\">Si necesita asistencia sobre este asunto para su empresa, cont\u00e1ctenos en <a>bd@icazalaw.com<\/a>.<\/h6>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Aspectos clave de las enmiendas a la Ley 462, que reforma el r\u00e9gimen de Seguridad Social en Panam\u00e1<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":17,"featured_media":26086,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[1173],"tags":[1214,1145,913,1334,808,944,1376],"class_list":["post-26085","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias-2","tag-1214","tag-caja-del-seguro-social","tag-derecho-laboral-es","tag-enmiendas","tag-javier-vallarino-es-2","tag-karen-tejeira-es-2","tag-ley-462"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Reforma a la Ley de la Caja de Seguro Social de Panam\u00e1 - Icaza, Gonz\u00e1lez-Ruiz &amp; Alem\u00e1n<\/title>\n<meta name=\"description\" content=\"Conoce los aspectos clave de las enmiendas a la Ley 462, que reforma el r\u00e9gimen de Seguridad Social en 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