Volunteer bee: this time we're here. With almost a year behind schedule (the go-ahead was scheduled for May 2017), INPS finally activated the online service for the presentation of applications for the pension advance on a voluntary basis. The deadlock was unblocked by the framework agreement between the social security institution, the Intesa Sanpaolo group and the insurance companies Unipol and Allianz.
Now all taxpayers who have obtained the Ape certificate from INPS (the document certifying possession of the requirements) can send the application for access to the voluntary Ape, which must indicate both the lender institution from which the loan is requested ( for now the only possibility is Intesa Sanpaolo) or the insurance company with which you want to take out the policy against the risk of predecease (Unipol or Allianz). However, the economic conditions of the loan and of the policy do not vary from one intermediary to another, as they are defined in the context of the agreements signed between the competent ministries, Abi and Ania.
To submit the application it is necessary to have a digital identity (code) Speed at least second level or you can rely on a qualified intermediary.
The INPS also reminds that those who have matured the requirements for the voluntary APE between May 18st and October 2017th 18 can obtain the arrears only if they submit the application by April XNUMXth next.
At this point it is worth summarizing what the voluntary Ape is and how it works in a short guide.
1. HOW LONG THE VOLUNTEER BEE LASTS
Anyone who accesses the voluntary Ape receives a monthly allowance that acts as a bridging income until they are entitled to an old-age pension. The duration is between a minimum of 6 months and a maximum of 3 years and 7 months.
2. BANK LOAN AND INSURANCE POLICY
The money comes from a loan taken out with a bank (including interest) to be repaid with a deduction on the social security check in the first 20 years of effective retirement.
On the loan it will also be mandatory to pay the insurance premium. The purpose of the policy is to protect the bank and the heirs from the risk that the subscriber dies before having paid off the debt.
3. THE REQUIREMENTS
Workers with the following requirements will be able to access the voluntary Ape:
- at least 63 years of age;
- at least 20 years of contributions;
- a future pension of no less than 702 euros (i.e. 1,4 times the minimum INPS treatment), net of the loan repayment installment.
4. METHOD OF DELIVERY
The voluntary Ape checks are disbursed over 12 months by INPS and do not contribute to forming the income on which Irpef is paid.
5. IT'S NOT AN EARLY PENSION
On closer inspection, the voluntary Ape is not a real early pension, because it does not provide for any reduction in pension requirements (retirement age and years of contributions). Unlike the social version, with the voluntary Ape it is the taxpayer himself who pays and not the State, which has provided only a tax deduction of 50% on the portion of bank interest and the insurance premium.
