{"id":1281,"date":"2025-11-01T18:52:19","date_gmt":"2025-11-01T18:52:19","guid":{"rendered":"https:\/\/galiza.hopto.org\/fiosdenovas\/?p=1281"},"modified":"2026-01-24T13:57:27","modified_gmt":"2026-01-24T13:57:27","slug":"as-mutuas-e-a-lei-5-2025-unha-reparacion-incompleta-tras-decadas-de-litixio","status":"publish","type":"post","link":"https:\/\/galiza.hopto.org\/fiosdenovas\/2025\/11\/as-mutuas-e-a-lei-5-2025-unha-reparacion-incompleta-tras-decadas-de-litixio\/","title":{"rendered":"As mutuas e a Lei 5\/2025: unha reparaci\u00f3n incompleta tras d\u00e9cadas de litixio*"},"content":{"rendered":"

<\/strong>Que eran as mutualidades laborais?<\/strong><\/strong>As mutualidades laborais (mutuas) foron entidades privadas colaboradoras da Seguridade Social que entre 1967 e 1978 xestionaron cotizaci\u00f3ns e prestaci\u00f3ns para determinados colectivos. Funcionaban como r\u00e9ximes especiais paralelos ao R\u00e9xime Xeral: os afiliados cotizaban \u00e1s mutuas en vez de ao sistema p\u00fablico, e esas cotizaci\u00f3ns financiaban pensi\u00f3ns e outras prestaci\u00f3ns.O problema da dobre tributaci\u00f3n<\/strong>O problema fiscal xurdiu cando as cantidades que os traballadores aboaran \u00e1s mutuas foron consideradas ingresos xa sometidos ao IRPF e, \u00e1 hora de percibir a pensi\u00f3n, volveron ser inclu\u00eddas na base impo\u00f1ible suxeita a tributaci\u00f3n. En termos simples: persoas que xa pagaran impostos polos seus ingresos viron a s\u00faa renda impo\u00f1ible incrementada ao recibir a pensi\u00f3n, sufrindo unha dobre tributaci\u00f3n.A Lei 5\/2025: reco\u00f1ecemento tard\u00edo dunha derrota xur\u00eddica<\/strong>A recente Lei 5\/2025 pres\u00e9ntase como reparaci\u00f3n, pero \u00e9 m\u00e1is ben o reco\u00f1ecemento tard\u00edo dunha derrota xur\u00eddica do Estado. Durante d\u00e9cadas, Facenda resistiuse a corrixir o erro: a s\u00faa estratexia foi apelar sentenzas e dilatar o conflito, gastando cartos p\u00fablicos en litigar contra cidad\u00e1ns. Non foi vontade pol\u00edtica altru\u00edsta; foi a presi\u00f3n xudicial \u2014culminada nas sentenzas do Tribunal Supremo\u2014 a que obrigou a mudar a posici\u00f3n estatal. A lei \u00e9, en consecuencia, unha rendici\u00f3n ante unha avalancha xudicial imparable.En que consiste a “devoluci\u00f3n”?<\/strong>A Lei 5\/2025 non restit\u00fae o cobrado indebidamente de forma integral. Establece unha reduci\u00f3n do 25% na base impo\u00f1ible das pensi\u00f3ns para os exercicios 2019-2022, e artella un procedemento administrativo para calcular e aboar as cantidades correspondentes a uns 600.000 afectados. Iso significa que non se repara caso por caso nin se abordan todos os anos afectados ao longo de medio s\u00e9culo: apl\u00edcase un parche xen\u00e9rico e limitado no tempo. Para moitos, o alivio ser\u00e1 simb\u00f3lico ou incompleto \u2014un desconto sobre catro exercicios, non a restituci\u00f3n total do que se pagou indebidamente ao longo de d\u00e9cadas.Un proceso complexo e tard\u00edo<\/strong>O proceso tampouco \u00e9 sinxelo. A administraci\u00f3n promete pagar antes de finais de 2025, pero o tama\u00f1o e a complexidade da operaci\u00f3n est\u00e1n a xerar retrasos previsibles. O pago fraccionado imp\u00f3\u00f1ese pola capacidade administrativa, non pola preferencia do cidad\u00e1n; a oferta de intereses de demora \u00e9 o reco\u00f1ecemento impl\u00edcito dun fracaso na xesti\u00f3n. Medio s\u00e9culo de espera reduceuse a catro exercicios e a un 25% de desconto: \u00e9 unha compensaci\u00f3n parcial, burocratizada e tard\u00eda.A reclamaci\u00f3n dos mutualistas era xusta e as sentenzas xudiciais deronlles a raz\u00f3n. Pero a Lei 5\/2025 \u00e9 m\u00e1is unha resposta forzada que unha reparaci\u00f3n plena. Amosa a ineficacia institucional: o Estado foi lento para reco\u00f1ecer o erro, custoso en litixios e contido na s\u00faa reparaci\u00f3n. Ga\u00f1ouse unha batalla necesaria, pero a guerra pola eficacia e pola xustiza plena do Estado segue aberta \u2014a memoria cidad\u00e1 tivo que ser incansable e ben asesorada para chegar ata aqu\u00ed, e a soluci\u00f3n aprobada deixa a\u00ednda moito por facer.<\/p>\n","protected":false},"excerpt":{"rendered":"

Que eran as mutualidades laborais?As mutualidades laborais (mutuas) foron entidades privadas colaboradoras da Seguridade Social que entre 1967 e 1978 xestionaron cotizaci\u00f3ns e prestaci\u00f3ns para determinados colectivos. Funcionaban como r\u00e9ximes especiais paralelos ao R\u00e9xime...<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1281","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"\nAs mutuas e a Lei 5\/2025: unha reparaci\u00f3n incompleta tras d\u00e9cadas de litixio* - F\u00edos de Novas<\/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:\/\/galiza.hopto.org\/fiosdenovas\/2025\/11\/as-mutuas-e-a-lei-5-2025-unha-reparacion-incompleta-tras-decadas-de-litixio\/\" \/>\n<meta property=\"og:locale\" content=\"gl_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"As mutuas e a Lei 5\/2025: unha reparaci\u00f3n incompleta tras d\u00e9cadas de litixio* - F\u00edos de Novas\" \/>\n<meta property=\"og:description\" content=\"Que eran as mutualidades laborais?As mutualidades laborais (mutuas) foron entidades privadas colaboradoras da Seguridade Social que entre 1967 e 1978 xestionaron cotizaci\u00f3ns e prestaci\u00f3ns para determinados colectivos. 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