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Early retirement: me requirements to access this option for retirement will be locked for some time.
Those who intend to access the pension taking advantage of the opportunity it offers them early retirementtherefore you are sure that at least until December 31, 2026 the requirements will remain unchanged.
As is known, the requirements for retirement come adjusted every two years – as established by the Fornero Law – based on change in life expectancy. The principle is clear: if you live longer, you will also have to work for more years. A system introduced to guarantee the sustainability of the social security system and that has also affected the early retirement.
So much so that as of January 1, 2019 five month increase of the contribution requirement to access the INPS anticipated pension. However, the then Lega-M5S government elected, at the same time as the introduction of Quota 100, to lock setting with life expectancy exclusively for early retirement.
Early retirement: no adjustment with life expectancy until 2026
In detail, it is thearticle 17 of the decree 4/2019 (the same one with which the Quota 100 and Citizens’ Income and Pension resources were assigned) to block requirements To access early retirement until the December 31, 2026.
With the so-called “decree“Therefore, the blocking of all future adjustments to life expectancy from January 1, 2019 to December 31, 2026 was financed.
This made it possible to avoid the contribution requirement required to access early retirement five-month increase as of January 1, 2019. At the same time, a possible increase in needs was also avoided due to the adjustments programmed for the next two years, so that January 1, 2021 (when, however, the pension access requirements will remain unchanged in the absence of a clear increase in life expectancy), January 1, 2023 and to January 1, 2025.
Early retirement: what access requirements?
The appointment with the possible variation of the contribution requirement for early retirement, therefore, is postponed to January 1, 2027. Until that date, to access this option, which allows the retirement placement to be advanced several years, the following conditions must be met:
- regardless of age, mens they must have matured 42 years and 10 months contribution;
- regardless of age, woman they must have matured 41 years and 10 months contribution.
For both, for the purposes of calculating the requirements, maximum of five years of the contribution figuratively credited by INPS.
It must be said, however, that the same decree 4/2019 has postponed the validity periods of early retirement. Although before the approval of this measure, the pension was paid from the month following that in which the right to it was accrued (as is the case of the old-age pension), now we must wait for a quarterly floating window.
As indicated in the same article 17 of the “decree”, in fact, the subjects who access early retirement “obtain the right to start the pension treatment after three months from the expiration date of the
requirements themselves”.
Early retirement: Requirements unlocked for the tax option
It must be said that the requirements freeze until 2026 does not applyearly retirement tax option. So much so that on January 1, 2019, it was subject to the five-year increase, by the requirement of personal data, provided for by the adjustment with life expectancy.
Only until January 1, 2022 (we remind you that in 2021 there will be no change), therefore, those who return fully in contributory regime for the calculation of the pension (having started to work after January 1, 1996) you will have the certainty of being able to retire at the end 64 years old with 20 years of contribution. But only if in the meantime they have accumulated a check with a value not less than 2.8 times the amount of the social allowance.
After this date it will depend on what happens on the life expectancy front, being the personal requirement (and not the contribution requirement in this case) that could go up a few months.
