{"id":5278,"date":"2019-03-12T18:03:34","date_gmt":"2019-03-12T17:03:34","guid":{"rendered":"https:\/\/label-design.es\/sanjose\/aviso-para-mutualistas-de-bbva-telefonica\/"},"modified":"2019-03-12T18:03:34","modified_gmt":"2019-03-12T17:03:34","slug":"aviso-para-mutualistas-de-bbva-telefonica","status":"publish","type":"post","link":"https:\/\/sanjoseabogados.com\/eu\/aviso-para-mutualistas-de-bbva-telefonica\/","title":{"rendered":"AVISO PARA MUTUALISTAS DE BBVA, TELEF\u00d3NICA,&#8230;"},"content":{"rendered":"<p>&nbsp;<\/p>\r\n\r\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"664\" height=\"306\" class=\"wp-image-2933\" src=\"https:\/\/label-design.es\/sanjose\/wp-content\/uploads\/2019\/03\/BBVA.jpg\" alt=\"\" srcset=\"https:\/\/sanjoseabogados.com\/wp-content\/uploads\/2019\/03\/BBVA.jpg 664w, https:\/\/sanjoseabogados.com\/wp-content\/uploads\/2019\/03\/BBVA-300x138.jpg 300w\" sizes=\"auto, (max-width: 664px) 100vw, 664px\" \/><\/figure>\r\n\r\n\r\n\r\n<p><strong>\u00bfEres trabajador jubilado de BBVA, Telef\u00f3nica, Banco Santander, Caixabank,&#8230;, y has cotizado antes de 1979?<\/strong><\/p>\r\n\r\n\r\n\r\n<p>Entonces, tu empresa habr\u00e1 cotizado por ti a la mutualidad de previsi\u00f3n social correspondiente y este art\u00edculo puede ayudarte a recuperar parte de tu pensi\u00f3n.<\/p>\r\n\r\n\r\n\r\n<p>Seg\u00fan la normativa que regula el Impuesto de la Renta de las Personas F\u00edsicas, los trabajadores que hayan cotizado a una mutualidad de previsi\u00f3n social antes del 1 de enero de 1979, y que est\u00e9n jubilados, tendr\u00e1n la posibilidad de desgravar hasta un 25 % de la pensi\u00f3n recibida de la Seguridad Social a la hora de presentar su declaraci\u00f3n de la Renta.<\/p>\r\n\r\n\r\n\r\n<p><strong>\u00bfEn qu\u00e9 se traduce esto?<\/strong><\/p>\r\n\r\n\r\n\r\n<p>Imaginemos un trabajador que empez\u00f3 a trabajar en BBVA el 01\/01\/1960 hasta el 01\/01\/2010, fecha en que caus\u00f3 baja por jubilaci\u00f3n:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><em>\u00bfQu\u00e9 parte de tu periodo cotizado puedes reclamar? <\/em><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>Desde el d\u00eda que empezaste a trabajar, el 01\/01\/1960, hasta el 31\/12\/1978 (la fecha com\u00fan para todos).<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><em>\u00bfQu\u00e9 % es de tu pensi\u00f3n total?<\/em><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>Aproximadamente un 40%.<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li><em>\u00bfCu\u00e1nto dinero puedes recuperar? <\/em><\/li>\r\n<\/ul>\r\n\r\n\r\n\r\n<p>Cantidades que rondan los 2.000 euros por los \u00faltimos cuatro a\u00f1os, y 500 euros anuales en adelante, m\u00e1s los intereses legales.<\/p>\r\n\r\n\r\n\r\n<p><strong>\u00bfHacienda est\u00e1 aplicando autom\u00e1ticamente este criterio?<\/strong><\/p>\r\n\r\n\r\n\r\n<p>A d\u00eda de hoy Hacienda no lo reconoce autom\u00e1ticamente.\u00a0 Habr\u00e1 que reclamar a\u00f1o a a\u00f1o. Sin embargo, si tardas en iniciar la reclamaci\u00f3n, perder\u00e1s el derecho a exigir la devoluci\u00f3n de lo pagado de m\u00e1s, puesto que en ning\u00fan caso es posible reclamar m\u00e1s de 4 a\u00f1os atr\u00e1s &#8211; la ley s\u00f3lo permite reclamar los \u00faltimos cuatro a\u00f1os -. Por eso Hacienda no aplica este criterio autom\u00e1ticamente y est\u00e1 interesada en retrasar al m\u00e1ximo su aplicaci\u00f3n.<\/p>\r\n\r\n\r\n\r\n<p><strong>\u00bfTiene alg\u00fan riesgo la reclamaci\u00f3n?<\/strong><\/p>\r\n\r\n\r\n\r\n<p>Ninguno.<\/p>\r\n\r\n\r\n\r\n<p><strong>\u00bfQu\u00e9 ofrecemos?<\/strong><\/p>\r\n\r\n\r\n\r\n<p>Un equipo de abogados con experiencia dilatada y demostrable en este tipo de reclamaciones colectivas (IRPF maternidad, plusval\u00eda municipal, productos bancarios como las (AFS) Preferentes de Eroski y Fagor, clausula suelo en hipotecas, clausula gasto de hipoteca, deuda y bonos subordinados, acciones del Banco Popular,\u2026), con capacidad para prestar un asesoramiento individual y personalizado a cada cliente.<\/p>\r\n\r\n\r\n\r\n<p><strong>\u00bfQu\u00e9 documentaci\u00f3n necesitamos?<\/strong><\/p>\r\n\r\n\r\n\r\n<p>\u00danicamente un certificado del tiempo cotizado a la mutualidad de previsi\u00f3n social de la que procedas:<\/p>\r\n\r\n\r\n\r\n<ul class=\"wp-block-list\">\r\n<li>En el caso de Telef\u00f3nica: Se puede solicitar a trav\u00e9s del siguiente enlace <a href=\"https:\/\/desvinculados.gesnext.com\/\">https:\/\/desvinculados.gesnext.com\/<\/a><\/li>\r\n<li>En el caso de BBVA: Se puede solicitar al Servicio de Atenci\u00f3n al Empleado del BBVA (SAE) al tel\u00e9fono 91 537 71 77 o bien por email: <a href=\"mailto:sae.es@sae.bbva.com\">sae.es@sae.bbva.com<\/a><\/li>\r\n<\/ul>\r\n\r\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>\u00bfEres trabajador jubilado de BBVA, Telef\u00f3nica, Banco Santander, Caixabank,&#8230;, y has cotizado antes de 1979?<\/p>\n<p>Entonces, tu empresa habr\u00e1 cotizado por ti a la mutualidad de previsi\u00f3n social correspondiente y este art\u00edculo puede ayudarte a recuperar parte de tu pensi\u00f3n.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[420,455],"tags":[456,457],"class_list":["post-5278","post","type-post","status-publish","format-standard","hentry","category-noticias-eu","category-irpf-mutualidades-eu","tag-abogado-mutualistas-eu","tag-irpf-mutualidades-eu"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>AVISO PARA MUTUALISTAS DE BBVA, TELEF\u00d3NICA,... - Despacho Abogados San Jose<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sanjoseabogados.com\/eu\/aviso-para-mutualistas-de-bbva-telefonica\/\" \/>\n<meta property=\"og:locale\" content=\"eu_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"AVISO PARA MUTUALISTAS DE BBVA, TELEF\u00d3NICA,... - Despacho Abogados San Jose\" \/>\n<meta property=\"og:description\" content=\"\u00bfEres trabajador jubilado de BBVA, Telef\u00f3nica, Banco Santander, Caixabank,..., y has cotizado antes de 1979?  Entonces, tu empresa habr\u00e1 cotizado por ti a la mutualidad de previsi\u00f3n social correspondiente y este art\u00edculo puede ayudarte a recuperar parte de tu pensi\u00f3n.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/sanjoseabogados.com\/eu\/aviso-para-mutualistas-de-bbva-telefonica\/\" \/>\n<meta property=\"og:site_name\" content=\"Despacho Abogados San Jose\" \/>\n<meta property=\"article:published_time\" content=\"2019-03-12T17:03:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/label-design.es\/sanjose\/wp-content\/uploads\/2019\/03\/BBVA.jpg\" \/>\n<meta name=\"author\" content=\"San Jose Abogados\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"San Jose Abogados\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/sanjoseabogados.com\/eu\/aviso-para-mutualistas-de-bbva-telefonica\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/sanjoseabogados.com\/eu\/aviso-para-mutualistas-de-bbva-telefonica\/\"},\"author\":{\"name\":\"San Jose Abogados\",\"@id\":\"https:\/\/sanjoseabogados.com\/eu\/#\/schema\/person\/9598f83ebb435fbe592f66dd5d3f7c6d\"},\"headline\":\"AVISO PARA MUTUALISTAS DE BBVA, TELEF\u00d3NICA,&#8230;\",\"datePublished\":\"2019-03-12T17:03:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/sanjoseabogados.com\/eu\/aviso-para-mutualistas-de-bbva-telefonica\/\"},\"wordCount\":440,\"image\":{\"@id\":\"https:\/\/sanjoseabogados.com\/eu\/aviso-para-mutualistas-de-bbva-telefonica\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/label-design.es\/sanjose\/wp-content\/uploads\/2019\/03\/BBVA.jpg\",\"keywords\":[\"abogado mutualistas\",\"IRPF mutualidades\"],\"articleSection\":[\"3. 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