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Pensions: according to the latest rumors about the reform – about which the Ministry of Labor and the unions will discuss again from next week – in 2021 the possibility will return for all those who meet the requirements of stop working at age 63 using the pension advance.
If on the one hand it works for extend access to the pension with the Social Ape for at least one more year, but only for the categories that need more protection, on the other hand we aim to restoration of the volunteer bee, ceased as of January 1, 2020. In this way, it would be given a all workers the possibility of resorting to pension loan for early exit from the labor market already in turning 63.
A measure that by the way it wouldn’t cost the stateUnlike the Social Monkey, in fact, with the Volunteer Monkey it is the worker himself a take over the loan repayment received to anticipate access to retirement through deductions from future pension allocations.
Pensions: does the possibility of stopping work at 63 return from 2021?
The volunteer bee could therefore do back in 2021 Give a chance to anyone who is willing to give up a portion of the future retirement allowance stop working at age 63, but only if at the same time they have matured at least 20 years of contribution. In this way, it is possible to be certain that once they are 67 years old, the subjects who access the Volunteer Ape will be entitled to an old-age pension.
We remind you that with the Volunteer Ape, retirement is not foreseen, which in any case will only occur once the requirements for the old-age pension have been met. As with the Social Ape, in fact, whoever uses this option is only recognized abenefit instead of pension disbursed through a loan financed by a credit institution.
This loan is for a period of at least 6 months and until the interested party matures the right to an old-age pension.
With the first pension check, the repayment plan of the loan received will begin, which is structured in 240 rate during a period of 20 years (through a deduction made by the INPS to the payment of each pension installment).
The minimum amount of the APE fee that can be requested is equal to € 150.00, while the maximum cannot exceed:
- he 75% of the monthly net amount of the pension when the duration of the EPA is greater than 36 months;
- l ‘80% of the monthly net amount of the pension, if the duration of the EPA is greater than 24, and even or less than 36 months;
- l ‘85% of the monthly net amount of the pension, if the duration of the APE is between 12 and 24 months;
- he 90% the monthly amount of the pension, if the duration of the EPA is less than 12 months.
Also, as explained on the INPS website, “The maximum amount must be such as to determine a monthly repayment installment that, added to the loan installments with a residual repayment period greater than the duration of the APE disbursement, does not exceed 30 percent of the monthly amount of the pension, net of the quotas corresponding to tax debts and allowances for divorce, child support and allowances established at the time of the separation of the spouses”.
Pension reform: restoration of the Volunteer Ape according to government plans
The possible restoration of the Volunteer Bee confirms theGovernment guidance for the future of pensions. The objective, in fact, is to foresee different possibilities of advance but without increasing the expenditure on State pensions.
For this reason, we will focus on flexibility measures that foresee costs for those who choose to anticipate leaving the labor market: the Volunteer Ape is one of them, as is the new Government proposal for access to a pension at the end 62 years old.
