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UNDER CONTROL It is the National Insurance and Assistance Fund for self-employed engineers and architects. The pension with this pension fund is insured for engineers and architects who have no other insurance coverage. The right to a membership pension (mandatory in the event of certain conditions occurring) in addition to disability, invalidity and survivors, is old age or early. Let’s see the access requirements.
We reply to a Money.it reader who writes us:
“Good Morning,
I am a freelance engineer born in 1959 and registered with INARCASSA since 1986.
Are there special conditions with the current regulations to have an early retirement with respect to the old-age pension? I look forward to receiving your comments. “
INARCASSA anticipated pension
What difference does Old-age pension from the beginning INARCASSA it’s just himchronological age, while the contributions required to access both measures remain unchanged.
To access the retirement are necessary, in 2020, 66 years and 3 months of age together with 33 years and 6 months of contribution.
In any case, in the absence of the contribution requirement, the pension will be paid in any case to registered professionals. at the age of 70.
For those who have contributions paid to INARCASSA before 1981In any case, the right to obtain a pension with a minimum contribution of 20 years (instead of 33 years and 6 months) is maintained, provided that the requirements to access the benefit have been met before November 19, 2015.
Regarding the old-age pension, in any case, this can be ahead of 63 years and 3 months provided that the self-employed person has reached, at the time of reaching the personal requirement, also the 33-year, 6-month contribution requirement.
It should be noted that in INARCASSA the increase in the retirement age affects only the contribution requirement and not the staff.
Understanding that you can access the old-age pension with 63 years and 3 months and the anticipated pension with 63 years and 3 months, the contribution requirement will vary as follows:
- 2020: 33 years and 6 months of contributions
- 2021: 34 years of contributions
- 2022: 34 years and 6 months of contributions
- 2023: 35 years of contributions
For those who access early retirement, in any case, there is a sanction that reduces the salary (on contributions accrued before 2013) as a percentage
- 10.45% if you log in with 63 years and 3 months,
- 7,493 if you log in at 64 years and 3 months
- 4.311% if you log in at 65 years and 3 months.
In your case, having 61 years and 34 years of contributions, you could access the early retirement pension at the age of 63 and 3 months, with the implementation, however, of the sanctions described above.
“If you have any doubts or questions, please contact us at the email address ask for [email protected]”
