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Seniority pension under the totalization scheme

The service allows all workers who have paid contributions into multiple social security funds, schemes or pension funds with at least 40 years of contributions to claim for a single seniority pension.
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Claim for Pension, Reconstitution, Accruals, Certifications, Social APE indemnity and “early” Benefit

Publication: 18 December 2024 Latest update: 10 April 2025

What is it

It is a legal institution that allows those who have paid contributions into multiple social security funds, schemes or pension funds to access a single pension

Totalization:

  • allows the acquisition of the right to a single seniority pension;
  • is completely free..

 Who is it aimed at

It is aimed at all workers who have paid contributions into multiple social security funds, schemes or pension funds, such as:

  • are dependent workers;
  • are self-employed;
  • are freelance professionals.

How does it work

START DATE 

The seniority pension under the totalization scheme starts from 2014, 21 months after the completion of the contribution requirement.

For subjects who submit the claim more than 21 months from the date the prescribed requirement takes effect, the pension shall start from the first day of the month following the date of its submission.

WHAT AM I ENTITLED TO?

The amount is established:

  • with the “pro-quota” system from each pension scheme concerned, based on the registration periods completed;
  •  with the contributory system, both for the pension shares paid by INPS and for those paid by the Freelancer funds; 
  • for those registered before 1996, who have already reached the minimum requirements for the achievement of the right to an autonomous pension in one of these schemes, the relative pro-rata will be calculated with the compensation/mixed system.

The right to choose the most favourable benefit is allowed.

The seniority pension paid is subject to:

  • IRPEF (Personal Income Tax) deductions as for all other pension treatments deriving from contributions;
  • supplements by way of automatic revaluation of pensions with reference to the unified treatment considered as a whole, based on the provisions of the law in force and at the expense of the scheme concerned;
  • any trade union deductions.

The holders of seniority pension under the totalization scheme are entitled to: 

  • family benefits, where they are due;
  • social supplements, provided that among the “quotas” that comprise the pension, at least one is due to the scheme for which this benefit is granted, if the income conditions are met.

Deductions made for income from employment or self-employment do not apply and the integration to the minimum treatment is not recognised.

The pension benefit deriving from the totalization is paid by INPS:

  • even in cases when no contributions were made with respect to the former;
  • also on behalf of other institutes with which specific agreements have been entered into.

Claim

REQUIREMENTS

It is necessary to have accrued:

  • a contribution period of at least 40 years (2,080 weekly contributions);
    The contributory requirement must be achieved by excluding the imputed contributions credited for unemployment and illness.
    From 1 January 2013, the contributory requirement is adapted to life expectancy; therefore, for the year 2024 and for the two-year period 2025-2026, the minimum contributory requirement is 41 years;
  • additional requirements, other than contributory seniority, possibly provided for by the individual legal systems to access the seniority pension (termination of the employment relationship, cancellation from the professional register, etc.).

HOW CAN I CLAIM?

The online application must be submitted by the worker to the last pension institution with which they are registered or have been registered.

The claim must indicate all institutes where the employee contributed. The office that receives the claim will have to activate to start the procedure with the other institutes concerned.

Processing times of the measure 

The ordinary deadline for issuing the measures is established by Law no. 241/1990 within 30 days. In some cases the law may set different deadlines.

The table (in Italian) shows the deadlines exceeding thirty days, set by the Institute with a Regulation.

In addition to the terms for the issuance of the measure, the table (in Italian) also indicates the relevant manager.