Old-age pension

In the case of a pension with cumulative insurance periods, the pension benefit starts from the first day of the month following the satisfaction of the requirements. 

The staff of the school sector and of Higher Education in Art, Music and Dance (AFAM) are entitled to the pension benefit, respectively, from 1 September and 1 November of the year of meeting the requirements.

For employees and self-employed persons enrolled in the Compulsory General Insurance (Employees’ Pension Fund FPLD and special schemes for self-employed workers: artisans, traders, independent farmers, sharecroppers and tenant farmers) and for workers enrolled in the Separate pension scheme, the old-age pension starts from the first day of the month following the month of meeting all the requirements or, at the request of the interested party, from the first day of the month following the month of submitting the claim.

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Workers with contributions prior to January 1, 1996

Workers who can claim contributions as at 31 December 1995 and who, therefore, fall under the remuneration scheme with payment of the pension under the mixed system, can access the old-age pension in the presence of the 67-year age requirement, to be adjusted to increases in life expectancy from 2027.

Together with the age requirement, the additional contribution requirement of at least 20 years must be met; for these purposes, all contributions for any reason paid or credited to the member (work, redemption, voluntary and figurative) must be considered.

Pursuant to Legislative Decree 503/1992, by way of derogation from the above requirement, a minimum contributory seniority period of 15 years is required for the following categories of workers:

• employees and self-employed workers who at 31 December 1992 have accrued 15 years of contributory seniority;
• employees (with the exception of those enrolled in exclusive management) and self-employed admitted to the voluntary continuation of the contribution on or before 31 December 1992;
• employees (with the exception of those enrolled in exclusive management) who can claim an insurance seniority of at least 25 years and have been employed for at least ten years, even if not consecutive, for periods of less than 52 weeks in the calendar year.

Employees enrolled with the AGO recognised by INPS as 80% or more disabled maintain the age requirement in force before the entry into force of Legislative Decree 503/1992, i.e. 55 years if women and 60 years if men, with application of the increases in life expectancy and the “mobile window” of 12 months.

Therefore, these workers will be able to retire until 2026 with the following age requirement: women 56 years old, men 61 years old, to be adjusted to the increases in life expectancy from 2027.

For workers who carry out particularly strenuous and heavy work, referred to in Legislative Decree 67/2011 (INPS circular no. 126 of 28 December 2018), the provisions on adjustment to life expectancy for the period 2019-2020 do not apply, provided that they have a contributory seniority of at least 30 years. Therefore, these workers will be able to retire with the age requirement of 66 years and 7 months until 31 December 2026.

Workers with contributions after 1 January 1996

Workers for whom the first contribution credit starts from 1 January 1996 are entitled to an old-age pension in the presence of the 67-year age requirement (to be adjusted to life expectancy from 1 January 2027) and a minimum contributory seniority of 20 years, provided that the amount of the pension is equal to the amount of the social allowance.

Alternatively, these workers can access, from 1 January 2019, the old-age pension at the age of 71 (to be adjusted for life expectancy, from 1 January 2027) with five years of actual contribution (mandatory, voluntary, redemption, but excluding the contribution credited figuratively in any way) and regardless of the amount of the pension reached.

Conditions

Termination of the employment relationship is required for entitlement to old-age pension. On the other hand, the termination of the activity carried out as a self-employed or parasubordinate worker is not required.

HOW CAN I CLAIM?

The claim for old-age pension can be made to INPS online using the dedicated service. 
Alternatively, claims can be submitted through the Contact Centre calling 803 164 (free from Italian landlines) or 06 164 164 from mobile phones, or through patronage institutes and intermediaries of the Institute, via the online services offered by them.

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The table 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 also indicates the relevant manager.

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