The pension reform is approaching, but feasible ideas for the post-100 quota are struggling to take shape. At the end of the year, the much discussed and welcome early retirement scheme with 62 years of age and 38 contributions expires.
In the absence of an intervention that takes the place of quota 100, the risk is that everyone will return to the Fornero rules. That is, retired at 67 or with 42 years and 10 months of contributions (for women one year less) regardless of age.
Discarded the road of quota 41 which would cost too much, there is now talk of a new quota 100. An early retirement at the age of 64 with at least 36 contributions. But on one condition: the pension must be paid only and exclusively with the contribution calculation system.
The proposal was recently formulated by the president of the INPS Pasquale Tridico also envisaging a lower impact of spending on the state accounts. A less expensive option, initially costing 1.2 billion and which will reach a peak of 4.7 billion in 2027. An early retirement, therefore, which closely follows the system adopted for the woman option.
To be sure, the 64-year early retirement already exists today. The requirement of 36 years of paid contributions is not even required, just 20 years are enough. But the option is reserved for workers whose contribution credit is entirely after 31 December 1995.
It is also necessary to have accrued a pension allowance equal to at least 2.8 times the amount of the social allowance. A figure that for 2021 amounts to at least € 1,288 per month, being the value of the social allowance equal to € 460.
Finally, for the purposes of calculating the contribution requirement, reference is made only to the contribution actually paid with the exclusion of notional contributions.
Reasonable to think that few will be able to access this type of pension.
It would be enough, therefore, to adjust the shot on this already existing option to grant each worker, both self-employed and dependent, the possibility of leaving work 3 years earlier. A way that Tridico has remarked several times as the optimal solution starting from 2022 without adding too much to the spending of the State.