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Old-age pension for those enrolled in Compulsory General Insurance (AGO) (Employees’ Pension Fund FPLD and self-employed workers special pension scheme) and Separate Pension Scheme

The old-age pension is a financial benefit paid, upon claim, to workers meeting the requirements on personal data, contributions and, in some cases, amounts, prescribed by law.

This forms reports only the requirements for members of Compulsory General Insurance (AGO) (Employees’ Pension Fund FPLD and self-employed workers special pension scheme - artisans, traders, independent farmers, sharecroppers and tenant farmers) and of Separate Pension Scheme (Gestione Separata).

Dependent workers, members of self-employed workers special pension scheme and exclusive and substitute pension funds of Compulsory General Insurance (AGO) (Employees’ Pension Fund FPLD and self-employed workers special pension scheme - artisans, traders, independent farmers, sharecroppers and tenant farmers) and of Separate Pension Scheme (Gestione Separata), are entitled to an old-age pension.

START DATE

From 1 January 2012, the old-age pension starts from the first day of the month following the month in which the insured person reached the retirement age, or, if on this date the requisites of insurance and contributory seniority and of the amount in case of Separate pension scheme are not met, the pension payment starts from the first day of the month following that in which these requirements are met.

At the claim of the interested party, the pension payment starts from the first day of the month following the month when the claim was submitted.

For the purpose of obtaining the old-age pension, the termination of the employment relationship is required, but the activity carried out as a self-employed individual or para-subordinate worker can continue.

REQUIREMENTS

The requirements to obtain the old-age pension are different based on the rules laid down in regard to the social insurance scheme with respect to which the pension is claimed, the gender of the applicant, and the temporal location of the contribution held in the social insurance scheme.

Members of AGO (FPLD and self-employed workers special pension scheme) with qualifying contributions as at 31 December 1995 - Personal data requirement

Workers enrolled in the Employees’ Pension Fund (FPLD)

Period

Age

From 1 January 2012 until 31 December 2012

62 years

From 1 January 2013 until 31 December 2013

62 years and 3 months

From 1 January 2014 until 31 December 2015

63 years and 9 months

From 1 January 2016 until 31 December 2017

65 years and 7 months

From 1 January 2018 until 31 December 2018

66 years and 7 months


Workers enrolled in the special self-employed workers special pension scheme (artisans, traders, independent farmers, sharecroppers and tenant farmers)

Period

Age

From 1 January 2012 until 31 December 2012

63 years and 6 months

From 1 January 2013 until 31 December 2013

63 years and 9 months

From 1 January 2014 until 31 December 2015

64 years and 9 months

From 1 January 2016 until 31 December 2017

66 years and 1 month

From 1 January 2018 until 31 December 2018

66 years and 7 months


Dependent workers enrolled in AGO (FPLD and special self-employed workers special pension scheme)

Period

Age

From 1 January 2012 until 31 December 2012

66 years

From 1 January 2013 until 31 December 2015

66 years and 3 months

From 1 January 2016 until 31 December 2018

66 years and 7 months


Members of AGO (FPLD and special self-employed workers special pension scheme) with qualifying contributions as at 31 December 1995 - Contributory requirement

These members can collect the old-age pension if they meet the minimum contributory requirement 20 years (assessing the contribution paid or credited on whatever basis) and the personal data requirement as shown in the tables below.

The following categories of workers can also collect the pension if they meet the requirement of a minimum contribution period of 15 years:

  • dependent workers and self-employed individuals who, as of 31 December 1992, have completed a 15-year contribution period. All contributions (mandatory, imputed, voluntary, redemption, and inclusion) can be used, referring to time periods prior to 1 January 1993. The deemed contributions, from redemption and transfer of contributions referring to periods by 31 December 1992 must be assessed even if recognised following a claim subsequent to that date;
  • dependent workers and the self-employed individuals admitted to the voluntary continuation of the contribution prior to 31 December 1992. The starting date of the authorisation for voluntary continuation must be by 26 December 1992. The insured person admitted to the voluntary continuation is not required to have made payments prior to the aforementioned date;
  • dependent workers who can claim an insurance seniority of at least 25 years and are employed for at least ten years, even if not consecutive, for periods of less than 52 weeks in the calendar year.  The requirement of 25 years of insurance seniority and that of ten years with periods of employment of less than 52 weeks in the calendar year may also be accrued after 31 December 1992.  With regard to the requirement of ten years of employment lasting less than 52 weeks in the calendar year, the fact that in the calendar year in which the worker was employed for periods of less than 52 weeks is not relevant, a different contribution from the mandatory contribution (imputed, voluntary, etc.) exists for a number of weeks such that, added to that of the weeks of mandatory contribution, contributes to reaching the 52 week period. These workers do not include those employed for the entire year assigned, for the calendar year, a number of weekly contributions less than 52, due to the provisions in force regarding the accreditation of contributions for the right to benefits retirement;

For dependent workers who have accrued an insurance and contributory period as of 31 December 1992 which, even if increased by the periods between 1 January 1993 and the end of the month of age for retirement, would not allow to achieve the insurance and contribution requirements under Article 2, Legislative Decree no. 503 of 30 December 1992 in the year of fulfilment of the retirement age, the requirements themselves are reduced to the minimum limit of 15 years.

The number of contributions claimed for these workers is equal to the sum of the weeks of contributions accrued up to 31 December 1992 and the calendar weeks included between 1 January 1993 and the end of the month when the retirement age has been reached.

Members enrolled with AGO (FPLD and special self-employed workers special pension scheme) with first contribution credited starting from 1 January 1996 and members enrolled in Gestione Separata (Separate Pension Scheme) - Personal data and contributory requirements

These members can obtain the right to an old-age pension:

  • if they meet the personal requirements referred to in the previous tables (for those enrolled in the Separate Pension Scheme, reference is made to the requirements of self-employed workers) of a minimum contributory requirement of 20 years and on condition that the amount of the pension is not less than 1.5 times the amount of the social allowance (“threshold amount”);

or

  •  upon reaching the age of 70 and with a five-year “effective” contribution (mandatory, voluntary, redemption), excluding the imputed contribution accredited on whatever basis, regardless of the amount of the pension.

As a result of the life expectancy adjustment, the personal data requirement from 1 January 2013 to 31 December 2015 is 70 years and 3 months, and from 1 January 2016 to 31 December 2018 is 70 years and 7 months.

HOW CAN I CLAIM?

The claim for old-age pension can be submitted to INPS on-line using the dedicated service.

Alternatively, the claim can be submitted:

  • by phoning the Contact Centre at 803 164 (free from Italian landlines) or +39 06 164 164 from mobile phones;
  • by electronic services offered by patronage institutes and intermediaries thereof.

Publication: 13/04/2022