Pension Bond Transfer Request Colombia (Solicitud de Bono Pensional)

A Pension Bond Transfer Request Colombia (Solicitud de Bono Pensional) in Colombia the Solicitud de Bono Pensional Colombia is the formal application through which a Colombian worker requests the calculation, issuance, and transfer of a pension bond (bono pensional) to their individual savings account (cuenta de ahorro individual) held with a private Administradora de Fondos de Pensiones (AFP), pursuant to Ley 100 de 1993 Articles 113 through 125 and Decreto 1748 de 1995.

A bono pensional (pension bond) is a financial instrument issued by the Colombian State or by employers to recognize the pension contributions and service time that a worker accumulated under the Régimen de Prima Media con Prestación Definida (RPM) — the public pay-as-you-go pension system administered by Colpensiones — before transferring to the Régimen de Ahorro Individual con Solidaridad (RAIS) administered by private AFP entities such as Porvenir, Protección, Colfondos, and Old Mutual. The bono pensional converts the worker's historical contribution history into a monetary instrument that is deposited into the AFP individual account, effectively bridging the gap between the two pension regimes.

Under Ley 100 de 1993, Colombia's pension system operates with two parallel regimes. The RPM (Colpensiones) is a solidarity-based pay-as-you-go defined benefit system where current contributors fund current pensioners. The RAIS (AFP) is an individual savings-based defined contribution system where each worker accumulates their own pension savings. Workers who entered the labor market before the reform and had prior service time (tiempo de servicios) under the old ISS (Instituto de Seguros Sociales) or public employer pension systems have rights to a bono pensional that recognizes that historical service when they move to the AFP system.

Decree 1748 of 1995 — the foundational regulation for pension bonds — establishes two types of bonos pensionales: Tipo A bonds, issued by the State through the Ministerio de Hacienda y Crédito Público for workers who had contributions to the ISS or public sector entities; and Tipo B bonds, issued directly by private employers who operated their own pension funds or had pension obligations under Ley 6 de 1945 and its subsequent regulations. A third modality — the bono sustituto — applies in specific cases where a bono Type A cannot be issued.

The solicitud must be directed to the appropriate entity depending on the type of bond: to Colpensiones (the national pension administrator at Carrera 11 No. 28-20, Bogotá D.C.) for State-issued bonds involving prior ISS contributions; to the former employer for Tipo B employer-issued bonds; or to the Ministerio de Hacienda y Crédito Público through the Sistema de Información Pensional (SIP) for bonds involving public service under Decreto-Ley 3135 de 1968 and Ley 33 de 1985.

The filing of this Solicitud de Bono Pensional initiates a legally mandated calculation process in which the responsible entity must determine the actuarial value of the bond using the mortality tables and discount rates established by the Superintendencia Financiera de Colombia. The calculation must reflect the worker's weekly contribution density, salary history, and applicable indexation under CPI (IPC) adjustments. Once issued, the bono pensional accrues interest at the rate specified in the Decreto 1748 de 1995 until it is redeemed and deposited into the AFP account upon the worker's retirement or upon meeting the pension requirements under RAIS rules.

The Colombia Pension Bond Transfer Request Colombia (Solicitud de Bono Pensional) document is essential for workers who made contributions to the ISS before Ley 100 de 1993 took effect on April 1, 1994, and who subsequently affiliated with an AFP, as well as for workers in transitional situations involving multiple employers, interrupted contribution periods, and mixed contribution histories across public and private sector employment in Colombia.

The Solicitud de Bono Pensional Colombia under Ley 100 de 1993 and Decreto 1748 de 1995 is needed in the following specific situations that arise during a Colombian worker's pension life cycle.

Affiliate Transfer from RPM to RAIS (Traslado de Régimen): When a worker who had contributions to the ISS (before April 1, 1994) or Colpensiones decides to transfer to a private AFP under the RAIS regime, the AFP must request the bono pensional from the corresponding entity on behalf of the worker. Article 113 of Ley 100 de 1993 establishes that the bono pensional must be computed and issued as a condition for completing the regime transfer. Workers in this situation typically have 10 or more weeks of contributions under the RPM prior to the transfer date.

Public Sector Workers Transitioning to Private Employment: Colombian public servants (servidores públicos) who leave the public sector and join private sector employment with AFP affiliation need a Tipo A or Tipo B bono pensional to carry forward their accumulated public service pension rights. The Ley 33 de 1985 and Decreto-Ley 3135 de 1968 (organic statute of public employment) established prior pension obligations for public workers that must be liquidated and transferred through the bono mechanism.

Retirement Claim Processing at AFP (Reclamación de Pensión en AFP): When a worker who transferred from the RPM to an AFP reaches retirement age (62 for men, 57 for women under RAIS rules, per Ley 100 Article 64) and initiates a pension claim, the AFP must verify that all recognized bonos pensionales have been redeemed (redimidos) and their value added to the individual account balance. Filing or following up on the Solicitud de Bono Pensional is often necessary at this stage when prior bonds were never issued or remain outstanding.

Corrección de Historia Laboral (Labor History Corrections): Workers whose pension contribution history at Colpensiones shows gaps, incorrect employer contributions, or unrecognized service periods need to file corrected solicitudes to confirm the bono pensional calculation accurately reflects their full contribution density. This situation is common for workers with multiple employers, informal employment periods, and contributions made under different NIT (employer tax numbers) to the ISS between 1967 (ISS founding) and 1994.

Surviving Family Members After Worker Death (Pensión de Sobrevivientes): When a worker who had a pending bono pensional dies before retirement, the surviving spouse, domestic partner (compañero/a permanente), or dependent children who qualify for a survivors pension (pensión de sobrevivientes) under Ley 100 Article 46 must confirm the bono is processed and credited to the AFP account so that the survivors pension can be calculated on the full accumulated balance.

Time Limit Considerations: Bono pensional rights are not indefinite — Decreto 1748 de 1995 and subsequent regulation establish reporting and computation deadlines. Workers should not delay filing the solicitud after transferring to an AFP, as unresolved bono pensional situations can significantly reduce the final pension amount.

A complete Solicitud de Bono Pensional Colombia under Ley 100 de 1993, Decreto 1748 de 1995, and Decreto 1073 de 2015 must contain the following essential elements to be properly processed by Colpensiones, the responsible employer, or the Ministerio de Hacienda y Crédito Público.

Worker Identification Data (Datos de Identificación del Trabajador): Full legal name as it appears on the cédula de ciudadanía; cédula de ciudadanía number with place and date of issuance; date of birth; current residential address; telephone and email contact; AFP name and affiliation number with the receiving fund; and Colpensiones or ISS affiliation history number (número de afiliación al ISS/Colpensiones) if available. The identification must match exactly the data registered in the Sistema de Información Pensional (SIP) administered by the Ministerio de Hacienda.

Employment and Contribution History (Historia Laboral y de Cotizaciones): A chronological list of all employers for whom the worker contributed to the ISS or RPM pension regime, including employer legal name (razón social), NIT, employment start and end dates, job title, and monthly salary for each period. This history forms the basis for the actuarial calculation of the bono pensional value under the methodology established in Decreto 1748 de 1995 and updated by Decreto 1073 de 2015.

Bono Pensional Type Identification (Identificación del Tipo de Bono): Declaration of whether the bono corresponds to Type A (State-issued through Ministerio de Hacienda for ISS/public entity contributions), Type B (employer-issued for private employers with own pension funds), or a bono sustituto. Each type has a different issuing entity and calculation methodology — this determination is critical for routing the solicitud correctly to Colpensiones, the former employer, or the Ministerio de Hacienda.

AFP Receiving Account Information (Datos de la AFP Receptora): Full name of the AFP receiving the bono; AFP NIT; AFP account number assigned to the worker; AFP contact information for the bond transfer; and the IBAN-equivalent account identifier registered with the Superintendencia Financiera de Colombia. Under Decreto 1748 de 1995 Article 18, the AFP must confirm receipt of the bond in writing and credit the actuarial value to the individual account.

Supporting Documentation List (Lista de Documentación de Soporte): The solicitud must identify all documents attached: cédula de ciudadanía (copy); AFP affiliation certificate (certificado de afiliación a la AFP); Colpensiones or ISS contribution history (historia laboral) obtained through the portal pensionado.gov.co or at Colpensiones offices; employment certificates (certificados laborales) from each employer listed in the contribution history; and, where applicable, public employment certificates from DAFP (Departamento Administrativo de la Función Pública) or former public entities.

Declaration of Prior Pension Regime (Declaración de Régimen Pensional Anterior): The worker must explicitly declare the date of affiliation to the ISS or RPM; the date of transfer to the RAIS/AFP; the total weeks of contributions under the RPM prior to transfer; and any prior pension bond applications filed. False or incomplete declarations may result in incorrect bono calculations and potential liability under Ley 599 de 2000 (Código Penal) for document fraud.

Signature, Date, and Notarization: The applicant's handwritten signature, printed full name, cédula number, and the date and city of filing. The receiving entity — Colpensiones office at Carrera 11 No. 28-20 Bogotá, or a departmental office — stamps the application copy with date and control number. Some pension bond applications require notarial authentication (autenticación notarial) of the signature before filing. Forms-legal.com provides this pension bond solicitud template to help Colombian workers initiate the bono pensional process with the correct structure and legal references under Ley 100 de 1993.