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Pension: In view of the arrival of the new year, our series of ideas continues retirement options that can be used in 2021 to get out of the job market.
It must be said that a minimum years of contribution backing out. It is not possible, in fact, retire without ever having worked, unless the conditions exist – economic – to be entitled to a social pension, a recognized social benefit, to comply with the 67 years, to those who do not meet the requirements to retire and are in a condition of financial need.
So what is the minimum contributions useful for retirement? There are two different options for retirement in which the allowance is recognized only with 5 years of contributions. In the first case, it is a possibility reserved only for workers who are entirely within the contribution scheme for the calculation of the allowance; the second, on the other hand, is the one that for him 100% disabled leads to the recognition of social security disability pension.
Old-age pension with 5 years of contributions: when is it paid?
With the transition from the salary system to the contributory system, some retirement options reserved for those who, having started work after January 1, 1996, are fully included in the contribution scheme.
One of these options is the one that allows you to access the old-age pension with much less contributions than 20 years required by the ordinary measure: with the listing option, in fact, 5 years of listing is sufficient. Caution: must be a contribution “effective“, That is to say required, voluntary what if rescue. For the purposes of calculating the contribution necessary to retire, therefore, the figurative contribution is not taken into account.
It must be said, however, that for access to the contributory old-age pension, the age at which the right to the benefit expires is much higher. In fact, the pension is not accessed at 67 years, but a 71 years (Initially this requirement was equal to 70 years, but later it was adjusted to the life expectancy with a general increase of 12 months).
Disability pension with 5 years of contributions
Another possibility for the recognition of a pension check with only 5 years The contribution is the one offered by the contributory disability pension. In fact, there are two different forms of disability pension:
- the type wellness, recognized civil, partial and total invalids, who are in a situation of economic need;
- the type social Security, recognized for disabled civilians who can claim a contribution.
To benefit from the latter, you first need to have a100% recognized disability; therefore, it depends only on those to whom the total inability to work. The disability, however, must be derived from causes external to the service relationship (otherwise, in fact, they would be entitled to a privileged pension).
It is recognized, as a social security measure, only those who are registered in the mandatory general insurance for employees, in the replacement funds of the same, or even in the special management of the self-employed.
Caution: no minimum personal data apply for a social security disability pension. Are enough 5 years of contributions, provided that 3 of these have been accrued in the 5 years prior to the date of presentation of the retirement application.
Bear in mind that the recognition of the pension for absolute and permanent disability for any work activity it is not compatible with any type of professional activity, either self-employed or employed. For the same reason, the granting of the pension entails the obligation to withdraw from lists, registers or professional associations.
