Only 130 days to show the way, at the moment the path is very confusing. What will the pensions be like when the 100 quota “expires” in just over three months, on December 31st? “The way forward, in my opinion, is to deepen the tools that already allow you to leave your job at 63, such as the social Ape. The end of ‘Quota 100’ is not the end of the world”. The president of the INPS Pasquale Tridico claims this, speaking to ‘Repubblica’. “I believe that early retirement from work, before the age of 67, should be allowed for those who perform heavy duties, for example those who work night shifts, as is already the case. The number of heavy duties must be increased”, he adds.
Quota 100, the form of early retirement introduced in 2019 experimentally for 3 years, strongly desired by the Lega, will go to the attic. The risk of a staircase on the horizon – reads on https://www.today.it/ – has not yet been averted and there does not seem to be a unity of purpose in the government capable of unraveling the problem in the short term. Nobody wants to go back to the “old” Fornero law and new flexibility mechanisms are needed at the exit.
At the moment the old-age pension (the Fornero law) provides for retirement from work at the age of 67 and a minimum contributory seniority of 20 years, as well as the early retirement without the constraint of the age but with only the contribution requirement to be respected that leads to 42 years and 10 months for workers and just under a year for female workers, that is 41 years and 10 months. Quota 100, we remind you, allows you to anticipate your retirement to 62 years of age with 38 contributions until December 31, 2021, from January 1 you would return to the previous rules and then to the “staircase” of five years of age. Suddenly, retirement would only be accessible from the age of 67. It would go towards very complex scenarios. For example: from 31 December 2021, without any harmonization, there will be a sharp increase of five or six years in retirement requirements for the excluded. Here is an extreme case: Mario and Giovanni worked 38 years in the same company, only the first was born in December 1959 and the second in January 1960. Mario will retire (if he wants to) at 62, while Giovanni will have to opt between an early retirement with 42 years and 10 months in 2026 or old-age retirement with 67 years and nine months, even in 2029. Talee scalone would even go beyond that of the old Maroni reform (law 243/2004), when a difference was introduced of three working years between those who would have accrued the right to a pension on 31 December 2007 and those who would have done so on 1 January 2008. In those years, to avoid that about 130 thousand workers were prevented from retiring immediately, the Damiano reform was carried out , with an increase in “monstre” pension expenditure of 65 billion in the decade that followed.
Early retirement is obtained by completing a contributory requirement. In detail, to date the contribution requirement is equal to 41 years and 10 months of contributions for women, 42 years and 10 months for men, with no difference between private, public or self-employed employees. As envisaged by the Fornero reform, the contribution requirement necessary to obtain early retirement should have been periodically adjusted to life expectancy. With the introduction of Quota 100 and the subsequent implementing provisions, the adjustments were suspended until 31 December 2026. Another possibility to retire earlier is the one known as isopension. This is an early retirement that can be activated by employers with more than 15 workers, with costs borne solely by the company. It allows an advance of access to a pension of up to 7 years in the case of redundancies placed by 30 November 2023.
Today’s words from Tridico give precise indications: the Woman option also expires at the end of 2021 with which female workers can leave the world of work at 35 net years of contributions and 58 years of age, for subordinates, 59 years for self-employed workers and the social Ape, a subsidy paid pending retirement age for taxpayers of both sexes who are 63 years old and with 30-36 years of contributions paid. Both should also be renewed for the next few years, there are no particular doubts in this regard and Tridico reiterated it. The social Ape is an experimental social security measure, introduced in 2017 and extended until December 31, 2021, which allows early exit from work: it has the express purpose of accompanying individuals in possession of certain requirements towards retirement in advance and is expressed in an indemnity that INPS, in compliance with the established spending limits, pays to those who are at least 63 years of age, do not have a pension directly in Italy or abroad and are in the conditions determined by law. It is only for certain categories of workers, such as unemployed or workers employed in heavy duties, or even disabled people and caregivers. The list of heavy duties could be greatly expanded in 2022, this is the news of the last few hours.
Only one suggestion instead Quota 41 (i.e. retirement for anyone who has 41 years of contributions regardless of age): but it would be difficult to sustain for public accounts: it starts from a cost of over 4.3 billion in the first year, to rise . Too expensive. We always think about the introduction of other flexibility in exit after 62 years of age.
Much has been said about the possible future division of the pension quota into two parts: salary and contributory. In practice, the hypothesis provides for a “pension advance only for the contributory part: 62/63 years and 20 years of contributions. The rest (the salary quota) is obtained at 67”. In practice, it could be foreseen 1 year less for each child for working mothers, or an increase in the transformation coefficient correspondingly and 1 year less for every 10 years of strenuous / heavy work, or an increase in the transformation coefficient correspondingly (simplifying the certification) . The pension advance for the contributory part could therefore be given at 62-63 years while the rest (the salary quota) would be obtained only years later, at 67 years of age.
There remain many question marks about the future of pensions: ‘Quota 100’ has amply demonstrated that, in a mixed system, not everyone who can access early retirement actually decides to use this possibility. And this, argues for example the CGIL, will happen to an ever greater extent in the coming years as the contribution system is much more incentive to stay at work.
Anyone who asks for simple rules valid for everyone, young and old, salary, mixed and pure contributions, knows that the challenge is complex. If the requisites for the old-age pension are kept identical with 67 years of age adequate for life expectancy and at least 20 of contributions, the hypothesis of Quota 102 to retire would be feasible with:
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64 years of age (indexed to life expectancy);
38 years of contributions of which no more than 2 figurative years (excluded from the calculation of maternity, military service, voluntary redemptions).
It would be all to establish the cut of the check up to the natural expiration set at 67 years. Following the same logic, early retirement should be made stable with 42 years and 10 months for men (1 year less for women), free from life expectancy and removing any prohibition of accumulation between work and pension and also providing for facilitations. for female mothers (for example 8 months for each child up to a maximum of 24 months), for caregivers (one year) and for precocious workers (increasing the years worked between 17 and 19 years of age by 25%). In short, what will happen from January 1, 2022 is still a big question mark.