Time is running out and the latest news on pension reform does not yet have a definite outline, even if the fog is starting to clear. Within two weeks, the government will have to present the 2016 Stability Law to Parliament and the package of measures on the subject of social security is among the most awaited and uncertain.
EARLY RETIREMENT
In particular, one of the central objectives on which the Executive focuses is to keep promises on the increase in outgoing flexibility, announced several times in recent months by Prime Minister Matteo Renzi and Labor Minister Giuliano Poletti, while keeping the accounts under control , a necessity often reiterated by the head of the Treasury, Pier Carlo Paoan.
So far - writes Il Sole 24 Ore -, the most likely hypothesis envisages guaranteeing the possibility of early retirement, in exchange for a reduction in the social security allowance, for those who meet the minimum requirements of 63 years and 7 next year months of age with 35 of contributions.
But how much will the pension be cut for each year in advance? There is talk of 4% on the salary portion of the check, but in this case the discussion is still more open than ever. It seems certain, however, that the new scheme envisaged by the early retirement reform will not contain any distinction between men and women.
THE RULES TODAY IN FORCE FOR OLD-AGE PENSION…
In theory, if the idea in the field becomes law, the maximum advance will be exactly three years with respect to the old-age pension, considering that from 2016 (since 2018 only for women employed in the private sector and self-employed workers) the old-age pension it will start only with 66 years and 7 months of age, in addition to at least 20 contributions.
…AND FOR EARLY RETIREMENT
We also remind you that, according to the rules established by Fornero reform of 2011, to date early retirement is granted only to those who started working in their youth (even if not only to the so-called early workers) or in any case do not have gaps in contributions due to periods of unemployment: this year a contribution of 42 years and six is required months for men and 41 years and six months for women, while next year the bar will rise respectively to 42 years and ten months and 41 years and ten months.
WOMEN'S OPTION: HOW COULD IT CHANGE…
A separate discussion is that which concerns the so-called "Women's option", which should be extended, but with substantial changes: female employees aged at least 58 and with 35 contributions (with accrual of the requirement within the year) could choose the path of early retirement in exchange for a penalty of 3% a year for a maximum of three years.
…AND HOW IT WILL WORK UNTIL THE END OF 2015
Until 31 December 2015, however, women employed in both the public and private sectors can choose to retire at 57 years and 3 months of age (58 and 3 months if self-employed) and with at least 35 years of contributions, but with a check calculated entirely using the contributory method, which can lead to a reduction of up to one third of the amount.
ADVANCE TFR IN PAYROLL: POSSIBLE NEWS COMING SOON
The Government has also reopened discussions on theadvance of severance in payroll, which might be correct. The experiment underway today (it began on March 30 of this year and will end on June 2018, XNUMX) allows private employees to obtain the payment on a voluntary basis together with the salary of the severance indemnities gradually accruing. The measure, however, has not met with much success so far, also because it incorporates a tax disincentive (taxation is applied with the marginal income tax rate rather than with the preferential regime currently envisaged for the severance indemnity).
