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If the age to enter pension It will always be the 67-year-old, the bad news is the reduction in amounts from next year due to the lower contribution rate: in fact, pensions can lose up to 4% compared to current values.
What changes
Each sector is brought to its knees by the crisis which has been going on for a year due to the global pandemic: therefore, the calculation of the pension contribution (linked to the GDP trend) and the updating of personal requirements (and not only) to earn the life requirement), will reduce the amounts even if those who will stop working this year are excluded. As reported by The morning, the change will occur from 2022 on the participation calculated with the contribution, therefore to the pensions accrued since 2012 for workers who are in the remuneration system and since 1996 for those who are in the mixed system.
Drop between 1 and 4%
The simulations made for The messenger from Progetica that we have attached to the piece, an independent consulting firm, show the impact on freelancers and independent workers based on their income: these would be minimal figures with a net loss of around 1% if the economic downturn marks a good recovery; vice versa, the reduction can be even 4% less for all those between 40 and 50 years old. In short, one thing is certain: the minus sign. Let’s take an example: a worker employee 50 years with a net salary of 2,300 euros per month: retired at 67, he would receive 1,897 euros net, 12 less than what he would have received without the 2020 recession and with a strong recovery in the economy. If in this case it is a “small coin”, worse scenario if there were not the long-awaited rebound: the same worker would lose up to 73 euros, around 4%. In this, not quite pennies. Similar but less black dynamics for a 30-year-old today with a net income of 1,500 per month: in this case the effect would be more limited because there will be more time to compensate for the 2020 crisis.
Other dynamics
The disastrous 2020, however, does not end here: the decrease in life expectancy due to the enormous number of deaths that our country has counted has an impact (for now very slight) also on age pensionable: The Istat data speak of a reduction of about 9 tenths each year (slightly less than 11 months) both in life expectancy at birth and in life expectancy at 65, which is the parameter that is taken into account for the adjustment of age requirements and age requirements. of paid contributions. In the latter case, with regard to early retirement, the increases were frozen until the end of 2026 by the provision that established the “Quota 100” two years ago.
As mentioned above, nothing changes (for now) in theage retirement age that is maintained for 67 years: adjustments are made every two years based on demographic trends and without any political intervention because it simply depends on life expectancy. Therefore, given the current situation, it is not possible to know in advance what the evolution of mortality will be, although it is reasonable to think that 2021 will continue to be negatively affected by the impact of the epidemic. However, the forecasts indicate the same retirement age also in 2025 and 2026.
