When can the Associated Collective Plan be available?


In general, the consolidated rights can be redeemed in the event of:

  1. Retirement.
    For the determination of the contingency, the provisions of the corresponding Social Security regime will be followed.
    Likewise, the benefit corresponding to retirement may be accessed when the participant, whatever his age, terminates his employment relationship and becomes legally unemployed as a result of a collective dismissal process with an employment agreement.
  2. Death of the participant or beneficiary.
    It can generate the right to widowhood and orphan benefits, in favor of other heirs or designated persons.
  3. Total and permanent work disability for the usual profession, or absolute and permanent for all work, and severe disability, determined in accordance with the corresponding Social Security Regime.
    Due to the disability contingency, the beneficiary may rejoin the Plan, losing his status as beneficiary if, as a result of the review of his situation or for any other reason, he is rehabilitated and rejoins the active service of CaixaBank, S.A.
  4. In the event of an exceptional liquidity situation (long-term unemployment or serious illness)
    This plan does not contemplate such situations. However, the participant always has the option of mobilizing his consolidated rights to a pension plan that does contemplate them.

Likewise, the Advance Disposition of rights is contemplated so that as of January 1, 2025, the participant may dispose of the amount in advance, through a single payment or in successive payments, of their consolidated rights corresponding to contributions made with at least ten years seniority, including the consolidated rights existing as of December 31, 2015 under the terms, conditions and limits provided for in current legislation.