Membership in the Credit Fund (Unified Scheme of Credit and Social Benefits)

Employees who contribute to the Civil Servants' Pension Scheme (Gestione Dipendenti Pubblici) are required to enrol compulsorily.

As of 12 January 2025, enrolment can be completed without any time constraint, with the entry terms being opened structurally (INPS Circular No. 49 of 3 March 2025(in Italian)).

Membership is irrevocable, and benefits can be claimed one year after enrolment.

Welfare benefits can be accessed by participating in a call for tenders (in Italian), which are open to all Fund members who meet the criteria.

Credit benefits are accessible through claim services dedicated to:

• mortgages;
• multiannual loans;
• small loans.

Links are available at the bottom of this page in the ‘You might be interested in’ section.

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The service is also aimed at pensioners:

• already civil servants, with a pension from one of the funds of the Civil Servants’ Pension Scheme, who have expressed by their last day of service their wish to join the Credit Fund also after their retirement;
• already civil servants, with pension not paid by one of the funds of the Civil Servants’ Pension Scheme, who:
  • have joined the Credit Fund in active service under the terms indicated in the previous paragraph;
  • who manifest by their last day of service their wish to join the Credit Fund also after their retirement.

From January 2025, the following individuals may also join:

• civil servant pensioners:
  • with pensions from the special pension Fund for civil servants of the public administration;
  • who have not yet joined the Unified Scheme of credit and social benefits;
• pensioners, who are already employees of public institutions and administrations:
  • With pensions provided by institutions or schemes other than the Civil Servants' Pension Scheme;
  • who have not yet joined the Unified Scheme of credit and social benefits.

If, at the time of employment termination, the last employer is one of the public administrations, the following may be eligible for membership:

• employees and direct holders of:
  • old-age pension;
  • seniority pension;
  • early pension;
  • incapacity pension;
• individuals who hold or have held the option of:
  • aggregation;
  • totalisation;
  • cumulation.

Holders of survivor pensions are excluded.

The following persons are not eligible for membership in the Unified Scheme:

• who ended employment with employers other than public administrations, even if they have kept membership in the Civil Servants' Pension Scheme;
• who have collaborated with institutions or public administrations and are registered with the Separate Pension Scheme.

Retirees and retired civil servants who hold or have held the option of calculation of work periods in the Separate Pension Scheme may qualify for membership.

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Membership cannot be revoked.

The deduction is equal to:

• 0.35% of the salary for the worker in permanent employment;
• 0.15% for the pensioner.

If the pension is less than or equal to the minimum pension payable by the Employees’ Pension Fund, no contribution shall be required.

Registration enables civil servants and pensioners to access benefits of:

• credit;
• welfare;
• health protection;
• support for study and entry into the world of work;
• support for families, young people and the elderly.

The benefits are entirely self-financed with the contribution paid by the members and with the reinvestment of the proceeds from credit activities: no cost is borne by the State.

New benefits may be adopted over time, while respecting the financial balance of the Scheme.

In the Brochure (in Italian) section you can view all the information material dedicated to the benefits that are available to members of the Fund.

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Those who are already enrolled in the Credit Fund and who are close to leaving service following the acceptance of claims for social APE, bridging or expansion, and who intend to enrol in the Credit Fund after retirement, may join it by their last day of service.

Any claims for membership submitted afterwards cannot be accepted.

Those who access Social APE or bridging/expansion procedures, from the date of termination of service and until retirement, are not subject to the deduction in favour of the Credit Fund.

Until the date of retirement, they cannot therefore access the benefits provided.

The will to maintain membership, even in retirement, must be manifested by the last day of work:

• for employees enrolled in one of the public schemes:
  • either by checking the box ‘I ask to join the Credit Fund’ when applying for retirement;
  • or by submitting an online claim;
• for employees paying into a fund other than the Civil Servants’Pension Scheme, by submitting an online claim.

Enrollment begins on the first effective day of the month in which the membership claim is submitted. 

For pensioners who have not yet enrolled, the contribution obligation begins on the date of enrollment.

The online claim can be accessed from this page by clicking on ‘Use service’.

HOW CAN I CLAIM?

The online claim, where applicable must be submitted by accessing the dedicated service via:

• Public Digital Identity System (SPID);
• Electronic Identity Card (CIE);
• National services Card (CNS).

By accessing the service you will be able to:

• submit a 'New Claim';
• view the submitted claim and export it in PDF format by clicking on “View claim”;
• view the progress of the ongoing administrative process, by clicking on “View claim process”.

Claims may also be submitted through the patronage institutes and intermediaries of the Institute, using the telematic services they offer.

For further information, the Contact center is available, at 803 164 (free of charge from a landline) or +39 06 164 164 (from a mobile network).

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