How to retire

How to retire from work, what changes for pensions in 2019: early retirement and retirement pension, quota 100, quota 41, monkey, option Donna, protection

The minimum age to retire, in 2019, continues to increase: because of life expectancy adjustments, not only the age of ordinary old age pension, but also the age of early retirement pension , contributory pension and voluntary bee. The increase, planned for a period of 5 months, will also concern the years of contributions necessary to obtain the early retirement pension and the early workers. The only ones not to be affected by the life expectancy adjustments will be the tired insiders, who will benefit from the old seniority pension facilitated with the same requirements until 2026, and heavy workers with at least 30 years of contributions, for what retirement age will remain the same. By 2019, however, two new types of pension could be introduced: the 100 quota, which can be reached when the sum of age and years of contributions is at least 100 (probably with limits of 100%). age and contribution). minimum), and the part 41 (which could become part 42), a new early retirement that could be reached with 41 years of contributions (which due to the life expectancy adjustments would become 41 years and 5 months), or with 42 years contribution, depending on the decisions that the executive will take. It is also question of the possible extension of the option Donna and the introduction of a new backup, to withdraw with the rules before the Fornero law. But let us proceed by order and see how to retire : what are the current possibilities to leave work, what changes since 2019, what are the pensions provided by the yellow-green government

How to retire

The main requirements for retirement relate to years of contributions and age. For the old age pension, for example, 66 years and 7 months plus 20 years of contributions are currently required. Some pensions require that the obligation to contribute, such as early retirement, for which we now need 42 years and 10 months of contributions for men and 41 years and 10 months for women. However, for workers who do not have pre-1996 contributions, an additional requirement is added, which is not easy to obtain, namely the minimum threshold for the retirement allowance. For example, if the worker started making contributions from 1996 and wants to get the retirement pension, in addition to 66 years and 7 months and 20 years of contributions must also have a check equal to at least 1.5 times the social allowance (which is equal to 453 euros): if your pension is therefore less than 680 euros, you can not get treatment, despite the age and contribution conditions required, and you have to wait to mature the conditions for the contributory old-age pension, which requires a minimum age of 71 years from 2019. Fortunately, not all pensions require a minimum allowance for workers without contributions to 1996: ordinary early retirement , for example, requires only the contribution requirement. But let's see in detail what are the requirements for the main types of pensions.

How to retire?

The retirement pension, as we have noted, provides for the attainment of a certain age and at the same time the successful completion of a certain threshold of contribution paid, as well as the accumulation a minimum allowance (the latter condition is however provided for non-contributory workers on 31 December 1995). How to access the old age pension ? Until 31 December 2018, this pension can be obtained with 66 years and 7 months and with at least 20 years of contributions, figurative contributions (maternity, military service, unemployment, integration and sickness funds), including voluntary and redemption. This pension can also be attained by the aggregation of contributions, that is to say by adding the contribution to different social security schemes

From 1 January 2019, the age of the pension increases by 5 months and is therefore equal to 67 years; the requirement of 20 years of social security contributions remains unchanged, not subject to the application of the adjustment of life expectancy. The higher the average Italian life according to the Istat estimates, the higher the retirement conditions. The age for the old-age pension will remain at the requirement of 66 years and 7 months only for those who work hard with at least 30 years of contributions

How life expectancy for retirement does it work? [19659004] To date, the legislation provides that the pension is periodically adjusted to life expectancy, with increases of two years from 2019. The adjustments provided in the appropriate tables appended to the Act Fornero can however be overlooked. where the average life expectancy is greater than the projections, and if the average life expectancy decreases; in the latter case, the retirement needs can never decrease, but they are locked up for only two years

From 2021, life expectancy will be calculated by taking the average of the period of two years immediately preceding, compared n the average still two years; for 2021, for example, life expectancy should be calculated on the basis of the average of the biennium 2018-2019 compared to the two-year average 2016-2017: any increase would lead to an increase in If, on the other hand, the average life expectancy decreases, the decrease in pension needs will be reduced during the audit for the next two years: there will therefore be no decreased life expectancy. retirement age, but only a freeze of requirements. The adjustment of the age of retirement to life expectancy will continue, in any case, to be checked every two years.

How to collect the contributory old-age pension?

The old age pension, for those who have no contributions paid before 1996, it can also be obtained with 70 years and 7 months and 5 years of contributions: in this case, there is no has no minimum access threshold. The retirement allowance can therefore be very low, without this preventing retirement: however, since the salary is calculated using the full contributory system, there is no entitlement at minimal supplementation.

Because who has no 1996 contributions is entitled to the contributory pension?

Who does not have contributions as of December 31, 1995, calls himself "pure contribution" because he is entitled to the calculation of the fully contributory pension. In fact, the calculation of the pension works as follows: those with more than 18 years of contributions as at 31 December 1995 are entitled to the calculation of the salary, based on the latest wages or incomes, until 31 December 2011

On the other hand, less than 18 years of contributory service on 31 December 1995, is entitled to the calculation of the salary only on that date, then to the contributory calculation: in these cases, we speak of mixed calculus. .

Who does not hold contributions on December 31, 1995 on the other hand, he is entitled to the full calculation of the contribution, which is based solely on the credited contributions and the age of retirement

How to achieve the early pension

With the entry into force of the Fornero reform, the retirement pension was replaced by the early retirement pension. To date, men reach the threshold of early retirement with 42 years and 10 months of social security contributions approved, while for women, the requirement is equal to 41 years and 10 months of contributions. From 2019, the increase in needs over five months is expected: therefore, 43 years and 3 months of contributions will be required for men and 42 and 3 months for women. As we have noted, there is no age limit for this type of early retirement, which can also be attained by the aggregation of contributions: however, not more than five years of figurative contributions are allowed.

The early retirement pension, for those who have not contributed before 1996, can also be obtained with 63 years and 7 months and 20 years of contributions: in this case, however, treatment must be at least 2.8 times the social allowance, at least 1,268.40 euros. As of 2019, the age requirement changes to 64.

How to achieve early retirement of early workers?

First-time workers, that is, those who have accumulated more than 12 months of 19-year contributions, may receive early retirement with only 41 years of contributions .

They are entitled to early retirement benefits, however, only those who belong to specific categories are protected: long-term unemployed, caregivers, 74% disabled, heavy workers and carriers. Deepen: early retirement of early workers

From 2019, the contributory obligation will increase to 41 years and 5 months

How to reach retirement pension for tired insiders?

Since 2011, the social security legislation for a particular category of workers is envisaged, to which the exit thresholds for subsidized pensions apply: these are the workers in charge of the work and the night shifts. In detail, those who perform one of the following tasks are considered to be employed:

• tunnel, quarry or mine work: tasks performed predominantly and continuously in underground environments are also included ;
• work done by divers,
• high-temperature work
• hollow-glbad processing
• asbestos-removal work
• work carried out mainly and continuously in confined spaces: the norm concerns, in particular, the construction, repair and maintenance of ships and, for narrow spaces, intermediate spaces, manholes, double bottoms, holds, etc.
• 9 strings,
• string or series: the hypothesis of who is bound by the observation of a given production rate, or whose station is evaluated on the basis of the result of measurement of processing times.

The benefit of the retirement pension is due:

• if the activity of the holder has been exercised for at least 7 years, in the last 10 years of active life; 19659029] if the port activity was exercised for at least half of working life

The pension benefit of seniority recognized to the tired insiders is not however strictly limited to those who perform one of the listed tasks, but it is extended to particularly stressful jobs as a function of working time: workers who perform night shifts are also included in the facilitation. But what are the retirement requirements for tired and nocturnal insiders?

Retirement in work or night work is ahead of the normal thresholds currently in effect for other retirement benefits: it is indeed retired with part 97.6 with a minimum of 61 years and 7 months and 35 years of contributions paid (the age requirement increases for those who also own self-employment contributions and for night work for less than 78 nights a year). Among other things, on this particular measure, exacerbations of life expectancy are not being applied and, therefore, the exit thresholds of work will remain the same in 2019.

How to withdraw with the 100 quota ?

According to recent government proposals, from 2019, it should be possible to retire with the 100 quota, ie when the sum of the age and years of contribution is at least 100 years old. at age 64, and a minimum contribution threshold of 36 years

In addition, for those who are entitled to salary calculation until 2011, the calculation of the contribution should be provided from 1996, as for those entitled to mixed calculus. 19659045] How to retire with the 41 quota?

The share 41 that is to say the possibility of retiring with 41 years of contributions, as we have seen is already provided for the first workers. Starting from 2019, on the basis of government proposals, this pension should also be extended to non-early and even unprotected workers. It could, however, become a quota of 42, requiring 42 years of dues for access.

How to reach a pension with except driving?

To date there is an exception to Fornero's law, called the safe-conduct. The pension with this particular slide is obtained, so far, only for those who were born until December 31, 1952, with 64 years and 7 months and with 35 years of registered contributions (for women, 20 are sufficient). At the same time, however, must have reached 35 years (or 20 years) on December 31, 2012 and on the same date have the quota 96. To deepen: pension with safe-conduct.

How to withdraw with the Monkey

Sino As of December 31, 2018, it is still possible to retire with the social monkey. The social bee is a monthly allowance payable by the state, which can be requested from age 63 and that supports the worker until the age required for the retirement pension has been reached, up to a maximum of 3 years and 7 months. The allowance is the same as the future pension, but can not exceed 1500 euros per month.

The social worker can specifically access workers who, at the time of the application, have already completed 63 years and who are, or have been, affiliated to the compulsory general insurance (August, which includes the members of the union employees' pension and the special branch of the self-employed), the replacement and exclusive forms of the same, or the separate management Inps provided that they cease their activity

30-year contributions for caregivers 74% of unemployed and disabled people are required to access the retirement advance, while 36 years of contributions are required for insiders. heavy. Deepen: The social bee, which changes

From 2019, the social bee can no longer be requested, but you can still ask, at 63 years and 5 months, the advance voluntary pension, or voluntary Ape, by a loan from the bank

How to withdraw with the option Donna?

The woman option is a measure in favor of women workers with 57 years (58 if autonomous) and 35 years of contributions. With these requirements, women can retire, but accept the new contributory calculation of the allowance. The requirements must, however, already be fulfilled by December 31, 2015: probably, the option Donna will be extended soon

How to withdraw with the backup?

Among the various measures to limit the negative consequences of the Fornero law, the extension of the guarantees was also issued

In particular, a ninth safeguard should be implemented to allow retirement with the old rules, that is to say with the rules before the coming into force of the Fornero Law: from year to year, starting from 2012, date of entry into force of the Fornero reform, there were eight successive safeguarding decrees

The ninth safeguard should protect the same categories of beneficiaries as the last safeguard, namely: