In Colombia, the number of people who work all their lives is very high without being able to quote enough to obtain a pension, For those who become a scenario of economic uncertainty. To face this scenario, The Colombian Pension Administrator (Colpensiones) drives the Beps program, A flexible and voluntary savings alternative that seeks to offer peace of mind and support for those who fail to access a traditional pension.
This initiative allows this population universe to have the possibility of saving what I can, when I can, without fixed amounts or forced deadlines. These contributions, even if they are small, become a capital that the State complements with an additional 20% subsidy on what was saved, An incentive that rewards the effort and motivates to continue building a safer economic future, among other additional benefits.
Beyond economic resources, Beps represents a social tool of inclusion since it allows millions of historically excluded Colombians from the pension system to find real support for their future.
The Beps offer a special incentive: for every million pesos saved, The National Government provides 200 thousand additional pesos. This subsidy adds to accumulated capital and allows to increase the amount destined for periodic payments in old age.
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Pension
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Complementary, Those who make at least six deposits in 2025 for a total exceeding $ 300,000 will receive free life insurance throughout 2026without procedures or additional costs. This policy covers death due to any cause, serious diseases, dismemberment by accident and exequial service, providing immediate support while long -term savings are built.
The program is aimed at Colombians over 18 with income lower than a minimum monthly salary, especially informal workers, independent or people with unstable jobs who do not reach constant contributions to the pension system. With Beps, these groups have the possibility of having a life income in their old age or even add weeks of contribution to its labor history in colpensions.
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How to register in Beps?
According to official information, the process is simple and free. To link to the program, the interested party must:
1) Verify requirements: Be a Colombian over 18 years old and have minor income to a minimum monthly salary. The validation can be done online by entering the ID number in the Official Colpensions portal.
2) Complete the linking form: This procedure can be done through the electronic headquarters of Colpensiones or in person at the Beps points enabled throughout the country.
3) Wait confirmation: Within a maximum period of 10 days, Colpensiones will notify whether the application was accepted, together with the rules, benefits and incentives of the program.
It is important to note that no lawyer or payment is required to register. In addition, the procedure can be completely advanced online or in person at the points of attention.
To know the location of the point closest to your home, you can consult the following link: https://www.minjusticia.gov.co/programs-co/legalapp/paginas/instituciones.aspx.
