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The government plans to introduce Quota 102 and a structural pension reform that will allow retirement at age 64 with 38 contributions. In fact, in a year it will “withdraw” Quota 100 and, it says today The messengerTomorrow, technicians and political representatives of the executive will meet with the unions for a first discussion on the dossier of the rich pensions.
Quote 102: the government’s plan for new pensions
According to the newspaper, the government works to allow, as of 2022, those who wish to leave early at 64 years of age with a minimum of 38 years of contributions (hence the name “Quota 102”), accepting a cut of 2, 8-3% of salary (introduced in 1996) for each year it takes to reach 67 years. That is, the ordinary retirement horizon.
Calculations in hand, the reform would affect about 150,000 people a year (in addition to the 350,000 who normally go to rest), who could thus leave work 3 years before, giving up on average 5% of the treatment that would accrue for going to pension upon reaching the current legal requirements. This mechanism, however, could also become a tool to be used in conjunction with corporate crisis management buffers in the coming months, especially after the current brake on layoffs is lifted.
How much would Quota 102 cost to the State coffers? The practice in which the technicians of the Ministry of Labor are testing 8,000 million euros. Although it is necessary to specify that it would be an “accrual” and not cash outflow, destined to decrease in the coming years. From the point of view of the fund, the expenses would be equal to zero since the pensioners would see their treatments cut back, while the competence chapter would grow as the number of pensioners increased.
Pension with 41 years of contributions for all: the return of the option
Pension with 41 years of contributions for all: what changes?
There are some knots that must be solved accurately when exceeding 100 points. In the first place: how to overcome the 5-year ladder that will be formed from 2022, when those who have not managed to accrue the requirements of the 100 quota in time for December 31, 2021 will have to wait until they are 67 years old to pass to pension (instead of 62)? The solution proposed by the unions is to allow all workers (not just the “precocious” as happens today) to retire with only 41 years of contributions, regardless of age.
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Realizable? This would be an expensive reform, but unlike the closure demonstrated in recent months, the government now seems willing to dialogue with the unions to try to find a solution. Despite this partial opening of 41 for all with a view to next Wednesday’s meeting, the hypothesis defended by the government is to allow those who wish to leave early at 62-63 years of age, however foreseeing a cut – variable from 2.8% to 3 % – of the amount of the contribution for each year of advance. In this way, those who choose to retire at age 62 would have an average cut of about 5% of the pension.
