Did you retire earlier than expected? You can even this year. Early retirement is essentially retirement treatment that allows workers who have accrued a certain contribution to receive a monthly allowance (with requirements in effect defined as follows) before they reach the age set for the ordinary old-age pension: so-called Fornero reform: with at least twenty years of social security contributions paid Allows the opportunity to leave the job at the age of 67). In detail, private or self-employed persons receive early retirement from the first day of the month following the month of application, while public employees receive early retirement from the day following their enrollment in Ago’s exclusive management (ie compulsory general insurance). termination of service. In both cases, however, some specific requirements must be complied with, which can also be consulted on the INPS website. Let’s see what they are.
Workers who reached the premium age on 31 December 1995 can apply for an early retirement pension if they meet the contribution of 41 years 10 months (equivalent to 2,175 weeks) or 42 years 10 months (equal to 2,227 weeks) for women. if men. According to current regulations (in effect since 1 January 2016) this requirement is expected to be by 31 December 2026. Contribution for any reason paid or credited is useful to meet this contribution requirement: however, where retirement treatment is paid for by the employee pension fund, the contribution requirement of at least 35 years must be met, excluding periods of sickness and unemployment and/or equivalent benefits.
Workers who have started to pay contributions as of January 1, 1996, that is, those who are entitled to retirement treatment with the contribution calculation system, can apply for early retirement in two different ways:
- after completion of the requirement to fill the contribution margin of 41 years and 10 months (equal to 2,175 weeks) for women and 42 years and 10 months (equal to 2,227 weeks) for men;
- Upon fulfillment of the age requirement of at least twenty years of effective contribution (hence excluding the notional contribution) and the first installment of the pension, the monthly amount of social assistance (“annual revalued threshold amount”), adjusted for increases in average life expectancy starting from 2025, upon fulfillment of the age requirement of 64 so-called) must be at least 2.8 times.
An application for early retirement can be submitted to INPS online through the special service. Alternatively, you can apply by calling 803 164 (toll free from landline) or 06 164 164 from the mobile network. Early retirement can also be requested from patronage bodies and institute intermediaries through their telematics services. What about processing times? The usual period for the publication of the provisions is determined by law as thirty days.
Ape sociale can also be applied for early retirement at the age of 63 (with 30, 32 or 36 years bonuses). In the near future, this option may appeal to a wider audience than is currently available: It provides a compensation paid by the government, paid by the INPS, to individuals under certain conditions prescribed by law, within certain spending limits. persons who are at least 63 years old and are not currently entitled to a direct pension in Italy or abroad.
This is an allowance paid until you reach old-age age or receive your early retirement pension or benefits you earned before old age. Its term has been extended until 31 December 2023. Finally, in the case of hard work, you can access a pension beyond your age-based deduction when you reach 36, which has been seven of the last ten years. that job.
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Source: Today IT
Roy Brown is a renowned economist and author at The Nation View. He has a deep understanding of the global economy and its intricacies. He writes about a wide range of economic topics, including monetary policy, fiscal policy, international trade, and labor markets.
