Totalization allows workers who have paid contributions into multiple funds, social security schemes or pension funds to be entitled to a unified incapacity pension.
Unlike the aggregation of insurance periods, which incurs charges, totalization is completely free.
The pension is intended for all workers, self-employed and freelance professionals, which find themselves in an absolute and permanent impossibility to carry out any work activity.
The incapacity pension under totalization can be collected from the first day of the month following the submission of the pension claim, if all the requirements established (including that related to health) have been met.
WHAT AM I ENTITLED TO?
The amount is determined "pro-quota" by each pension scheme concerned, in relation to the accrued registration periods.
Generally, pension shares paid by public social security institutions are calculated using the contributory system rules.
However, if the worker registered before 1996 has already completed the minimum requirements for the right to an autonomous pension in one of these schemes, a wage-based scheme/mixed calculation is carried out.
The interested party has the right to claim the most favourable calculation system if it possesses such rights.
Incapacity pension disbursed under the totalization scheme:
- the normal IRPEF taxation is provided for, similar to all the other pension payments deriving from contributions;
- the supplements by way of automatic revaluation of pensions are applied with reference to the unified benefit considered as a whole, based on the provisions of the law in force and at the expense of the scheme concerned;
- disbursement of family payments is envisaged;
- any withholding taxes are applied;
- no deductions are made for income from employment or self-employment;
- the integration to the minimum benefit is not recognised;
- social supplements are granted provided that among the "quotas" that comprise the pension, at least one of the schemes with respect to which this benefit is provided exists, if the required income conditions are met.
The total amount of the pension benefit resulting from the totalization is paid by INPS, also on behalf of other institutes with which specific agreements have been entered into.
INPS provides for the payment of pensions even in cases when no contributions were made with respect to the former.
The right to the incapacity pension arises on the basis of insurance and contributory requirements and on the additional requirements of the pension form under which the worker is registered at the time the incapacity status occurs.
A fundamental requirement for allocation of this pension is the recognition of the state of absolute and permanent impossibility to carry out any work activity, to be verified at the time of the claim, if still in service activity, or within two years from the termination of the activity employment (with reference to the date of termination of employment).
For the purposes of completing the requirements above, the non-coinciding insurance and contributory periods resulting from the individual social security schemes in which the person concerned has been enrolled must be added.
The totalization may be claimed (even by the beneficiary of the ordinary invalidity allowance) to obtain unconditional and permanent incapacity benefits.
The last social security scheme of the applicant ascertains the existence of the health requirement. For persons who are enrolled in social security schemes established at INPS must have verified the incapacitating status pursuant to article 2, Law no. 222 of 12 June 1984.
The seniority increase established must be distributed across all social security schemes included in the invalidity pension under totalization, in proportion to the old-age insurance of the insured.
HOW CAN I CLAIM?
The claim must be submitted by the worker to the last pension institution with which he/she is enrolled or had been enrolled in case of termination of the work activity.
The claim must indicate all institutions where the worker contributed. The office that receives the claim must start the procedure with the other institutions concerned.
The claim for incapacity pension under totalization must be submitted to INPS online via the dedicated service.