From 2017, early workers will be able to access the old-age pension several months in advance. The novelty, introduced with the latest budget law, does not affect many people and benefits men more than women. Let's see in detail what the new rules provide.
1. WHO ARE THE EARLY WORKERS?
Early workers are those who started working very young, at 18 or earlier. In particular, to be included in the category it is necessary to have paid at least 12 months of contributions, even if not consecutive, before turning 19.
2. WHICH EARLY PEOPLE ARE AFFECTED BY PENSION NEWS?
To be entitled to early retirement, however, it is not enough to be classified as an early worker. The discount on social security requirements is provided only for those who also fall into one of the following disadvantaged categories:
– Unemployed people who concluded Naspi.
– Disabled people (in particular subjects who have an ascertained reduction in working capacity of at least 74%).
– Workers engaged for at least six consecutive years in strenuous activities (nursing and midwifery professions; kindergarten teachers; caregivers; porters; goods movers; waste collectors and separators; unqualified personnel assigned to cleaning services; workers in the mining, construction and building maintenance industries; operators of cranes and mobile drilling machinery for construction; drivers of trucks and heavy vehicles; conductors of trains and traveling personnel; tanners of skins and furs).
– Persons who for at least 6 months have benefited from the permits provided for by law 104 to assist their spouse or a first-degree relative cohabiting with a disability.
3. HOW MUCH ADVANCE IS PROVIDED FOR EARLY PENSIONS?
The maneuver reduces the single contribution requirement to 41 years. It means that all early workers belonging to the disadvantaged categories referred to in point 2 will be able to retire with 41 years of paid contributions, regardless of age. The measure does not provide for gender distinctions, consequently the maximum advance will be one year and 10 months for men and only 10 months for women (the latter, in fact, already benefit today from a single contribution requirement one year lower to that of men: 41 years and 10 months against 42 years and 10 months).
But like all pension requirements, in the future the new single contribution requirement for the early-born will also be adapted to the change in life expectancy. This is a biennial update and is estimated to result in an increase of 4 months in 2019 and another three months in 2021.
4. FROM WHEN WILL THE NEW PENSIONS FOR EARLY PEOPLE BE OPERATIONAL?
Warning: unlike the Budget law itself, which came into force on January 2017st, the news on pensions for early workers will only become operational from May XNUMXst XNUMX.
5. CAN YOU WORK ONCE IN RETIREMENT?
The early ones who will take advantage of the new requirement to access the old-age pension will not be able to collect income from work (employee or self-employed) in the period of time corresponding to the advance obtained. Example: if a man gets a discount of one year and 10 months, for that same period of time he cannot combine his pension with income from work.
6. IS IT ALSO GETTING THE GOOD LUCK IN ADVANCE?
Public workers don't. For them, the reduction of the single contribution requirement does not imply a similar advance of the severance indemnity (Tfr) or severance pay (Tfs). In other words, from May 41st, early public workers belonging to a disadvantaged category will be able to retire with 10 years of contributions, regardless of age, but they will receive the severance pay after one year and 10 months if men and after XNUMX months if women.
7. WHAT IF THE MONEY ALLOCATED BY THE STATE IS NOT ENOUGH?
The advance of early pensions in difficult conditions is granted by the State within the spending limits set out in the budget: 360 million for 2017, 550 million for 2018, 570 million for 2019 and 590 million starting from 2020. If the resources allocated will prove to be insufficient, the effective date of pensions will slip forward until the costs are included in the budget. The goal is to grant the benefit to as many people as possible.
8. WHAT PROCEDURE SHOULD PEOPLE FOLLOW TO ASK FOR THE EARLY PENSION?
For practical instructions we will have to wait a few more months: they will arrive with a decree that the Prime Minister will issue within 60 days of the entry into force of the Budget law, i.e. within the first days of March.
