It's official: early workers in disadvantaged conditions will be able to retire once they reach 41 years of contributions. This is foreseen by one of the implementing decrees signed this week by the Prime Minister, Paolo Gentiloni, who at the same time gave the green light to the Ape social.
Someone talks about Ape also for the precocious ones, but in reality they are different sizes. The pension advance can be of two types: volunteer (which requires you to ask for a twenty-year loan with lots of bank interest and insurance premium) or social media (entirely paid by the state). But neither of the two coincides with the actual pension, therefore it is incorrect to speak of early retirement. The voluntary Ape and the social Ape are income support measures that you can benefit from up to the day in which the INPS takes old age retirement. After that they stop.
For early workers it is a different story. In their case it is really an early pension, because the requirements for accessing old-age benefits are reduced (which does not happen with the Ape).
1. WHO ARE THE EARLY WORKERS?
This is how people are defined 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 have exhausted the social safety nets for at least three months;
– invalids with a proven reduction in working capacity of at least 74 per cent;
– people who have been carrying out one of the jobs considered strenuous for at least six consecutive years (nursing and midwifery professions; kindergarten teachers; carers; porters; goods movers; waste collectors and separators, unqualified service personnel workers in the mining, construction and building maintenance industries; operators of cranes and mobile construction drilling machinery; drivers of trucks and heavy vehicles; conductors of trains and traveling personnel; tanners of skins and furs );
– people 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?
For these subjects, the latest budget law reduced 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 contributions, regardless of age. The measure does not make distinctions of gender, consequently the maximum advance will be one year and 10 months for men and only 10 months for women (the latter, in fact, already benefited from a single contribution requirement one year lower than that expected for men: 41 years and 10 months against 42 years and 10 months).
However, the longed-for "quota 41" will be adapted in the future to Istat forecasts on life expectancy. This is a biennial update that is estimated to result in an increase of 4 months in 2019 and another three months in 2021.
4. CAN YOU WORK ONCE IN RETIREMENT?
The early ones who will take advantage of the new requirement to access the pension will not be able to collect income from work (neither employee nor self-employed) during the period 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.
5. 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.
6. WHAT IF THE MONEY ALLOCATED BY THE STATE IS NOT ENOUGH?
Quota 41 for early workers in difficult conditions has been financed with precise allocations: 360 million for 2017, 550 million for 2018, 570 million for 2019 and 590 million starting from 2020. If this money is not enough, the pensions will slide forward until the accounts are made ends meet.
