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Colombia disability pension: $2M → floor $1,750,905

Disability pension (Law 100 arts. 39–40): PCL ≥ 50% and ≥ 50 weeks. 45% or 54% of IBL plus extras; 75% cap; 1 SMLMV floor = $1,750,905.

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Monthly pension

COP 1,750,905.00

IBL: COP 2,000,000.00

Rate: 45%

IBL × %: COP 900,000.00

1 SMLMV floor: COP 1,750,905.00

Eligible: PCL ≥ 50% and ≥ 50 weeks.

Law 100 of 1993 arts. 39–40. Educational estimate, not advice.

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Colombia disability pension 2026

The common-origin disability pension (Law 100 of 1993 art. 39 and art. 40) requires PCL ≥ 50% and ≥ 50 contributed weeks. The amount is a percentage of IBL, with a 1 SMLMV floor.

With IBL $2,000,000, PCL 50% and 500 weeks: 45% = $900,000 → floor $1,750,905. With IBL $4,000,000 under the same conditions: $1,800,000.

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Formula

Disability pension

if PCL ≥ 50% and weeks ≥ 50: 45% IBL + 1.5% per 50 weeks after 500 (PCL 50–66) or 54% + 2% per 50 weeks after 800 (PCL ≥ 66); 75% cap; 1 SMLMV floor

ItemValue
2026 SMLMV (floor)$1,750,905
IBL $2,000,000 / PCL 50 / 500 weeks$1,750,905
IBL $4,000,000 / PCL 50 / 500 weeks$1,800,000
IBL $4,000,000 / PCL 50 / 1000 weeks$2,400,000
IBL $4,000,000 / PCL 70 / 800 weeks$2,160,000
IBL $4,000,000 / PCL 70 / 2000 weeks (75% cap)$3,000,000

Common mistakes

  • Confusing it with temporary disability (IBC days, not a lifetime pension).
  • Using 45% without the 1 SMLMV floor when IBL is low.
  • Adding the 1.5% extra without 50 additional weeks after 500.

Art. 39: PCL ≥ 50% and ≥ 50 contributed weeks (common origin). Not ARL and not old-age pension.

No. Educational estimate. Check with Colpensiones, your fund, or accountant.

Informational estimate

Educational content, not legal advice. Law 100 of 1993 arts. 39–40.