In application of the principles set out in art. 38 of the Constitution, is established the Italian pension system which consists of a mechanism of redistribution of resources from the active population (taxpayers) provided for the following situations:
- citizens who no longer work for personal reasons and receive retirement/old-age pension;
- spouse and minor or disabled children or dependent heirs of a pensioner/worker who had acquired the right to a pension;
- people who are no longer able to participate actively in the working life of the country, receiving an invalidity pension;
- persons who do not have an income and have reached the age to receive a welfare pension.
The main requirements to be possessed to access the right to pension depending on the different types:
Retirement pension in kind:
- 67 years of age;
- 20 years of contributions paid
Pension for old age:
- 71 years (demographic adjustment requirement);
- payment of at least five years of contributions (excluding imputed contributions).
It is possible to access the social security benefit called “early retirement” even when you are not in possession of the registration requirement (minimum age), but provided you have accumulated a certain number of contributions.
The early retirement pension is payable to:
- men (employees or self-employed persons) with at least 42 years and 10 months of service as contributors, irrespective of age;
- to female workers, aged 41 years and 10 months or more, irrespective of age.
Workers who started work after 31 December 1995 have the possibility of obtaining early treatment at the age of 64 if they have two additional conditions:
- at least 20 years of actual contributions credited;
- have accrued a pension allowance of 2,8 times the monthly social allowance (EUR 459,83 x 2,8 = EUR 287,52 for 2020).
Survivor’s pension is a recognized pension in the event of the death of the pensioner (survivor’s pension) or the insured person (indirect pension) in favor of the surviving members of the family.
The survivor’s pension is a percentage of the pension (the percentage depends on the composition of the eligible family).
The indirect pension is recognized if the insured person has completed 15 years of insurance and contribution service or 5 years of insurance and contribution service of which at least 3 years in the 5 years preceding the date of death.
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