[ad_1]
The expiration of quota 100 He worries to much. On the one hand because it is not very clear, for those who have reached the retirement requirements, if they will be able to benefit from them after 2021, and on the other because the announced pension reform Raises concerns about a possible cancellation of the anticipated pension provided for by the Fornero law.
We respond to a Money.it reader who writes us:
“Gentile Money.it,
I am 63 years old (64 in March 2021) and contributions as of November 3, 1979.
I could retire with Anticipata-Fornero in October 2022 (42 years and 10 months of tax service). Having to wait a three-month window, I would retire in January 2023. I have the right to retire with Quota-100 for more than one year.
My doubts are the following: Quota-100 expires in December 2021. Does this mean that, to take advantage of it, I have to apply for retirement by June 2021 (six months before the deadline) or can I wait and apply for retirement by December from 2021?
The most difficult question to resolve is whether it is worth retiring with Quota-100 or waiting the few months that would separate me from the anticipated Fornero.
I believe that this question has no solution for anyone, since no one can predict what surprises our leaders have in mind after Quota-100. To avoid the famous ladder that would lead to the end of quota-100, I’m sure they will make us pay a lot of money for the possibility of avoiding it! Do the experts at Money.it have any ideas on this? In my place, would you take the Quota-100 train or would you risk entering the new pension system?
I am a doctor, but I mention it only because I have read in some interviews with famous political personalities that health personnel, given the high contribution in human lives that they paid for this unfortunate epidemic, should be excluded from any sanction provided for in the umpteenth reform of the pensions. Have you heard of him too? and you believe it
In case you decide to reply to me (but also if not), thank you for your kindness.
Thanks and regards “.
Early Retirement or 100 Fee?
I will try to dispel all your doubts as far as possible. Let’s start with the expiration of Quota 100: December 31, 2021 is the deadline set by decree 4/2019 to meet the required access requirements.
To be entitled to a pension with a quota of 100, it is necessary to be at least 62 years of age and at least 38 years of contributions before December 31, 2021. The term, therefore, only refers to compliance with the requirements but not at the presentation of the pension application.
The pension application to access the 100 quota, for those who have met the requirements by the end of 2021, it can also be presented in later years, as Decree 4/2019 also clarifies in article 14 subsection 1 “the right to early retirement can be achieved by reaching a minimum age of 62 years and a minimum contributory seniority of 38 years, defined below” pension quota 100 “. The right obtained on December 31, 2021 may also be exercised after said date, without prejudice to the provisions of this article.”
Having clarified, therefore, that even if you do not request a pension with a quota of 100 at the end of 2021, you can also do so in 2022 or 2023, let’s come to clarify the other doubts.
The early retirement established by the Fornero law is not questioned, it is a structural measure that will hardly be repealed or modified. The 5 year ladder We are talking, in fact, also of early retirement: if until 2021 38 years of contributions are enough for a man to access the pension, in 2022 it will take 42 years and 10 months to be able to retire before the age of 67.
Who will be subject to penalties, therefore, is whoever wants to access early retirement without having completed 42 years and 10 months of contributions.
In your case, given that you have already achieved the right to the 100 quota for a year, in my opinion, you can rest easy, since the measure, however, will continue to be your escape route even if the sanctioning legislation intervenes (what which I doubt) for early retirement.
“If you have any doubts or questions, please contact us at the email address ask for [email protected]”
