“Opzione donna” Pension (Budget Law 2023, Budget Law 2024 and Budget Law 2025)

The early pension “Opzione Donna”, provided for by the 2024 Budget Law, is a pension disbursed to female workers following a claim who, by 31 December 2023, have reached the required age and contribution requirements and who, on the date of the claim, are in one of the conditions indicated by law (caregivers, impaired persons who have been recognised as having a invalidity greater than 74%, employees or dismissed from companies with an active round table for the management of the corporate crisis).

The early pension “Opzione Donna”, provided for by the 2025 Budget Law, is a pension disbursed to female workers following a claim who, by 31 December 2024, have reached the required age and contribution requirements and who, on the date of the claim, are in one of the conditions indicated by law (caregivers, impaired persons who have been recognised as having a invalidity greater than 74%, employees or dismissed from companies with an active round table for the management of the corporate crisis).

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Pension benefits may not, however, commence before:

• 2 January 2023, for early pension Opzione donna - budget law 2023;
• 2 January 2024, for early pension Opzione donna - budget law 2024;
• 2 January 2025, for early pension Opzione donna - budget law 2025.

Female workers in the school sector and in Higher Education in Art, Music and Dance (AFAM), upon meeting the requirements and conditions, may be entitled to the pension starting from:

• 1 September and from 1 November 2023 for early pension Opzione donna – budget law 2023;
• 1 September and from 1 November 2024 for early pension Opzione donna – budget law 2024.;
• 1 September and from 1 November 2025 for early pension Opzione donna – budget law 2025.

Female workers who have met the legal requirements may be entitled to the pension even after the first effective date, provided that the conditions required on the date of submission of the pension claim are met.

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The early pension “Opzione Donna”- budget law 2024, is available to female workers who, by 31 December 2023, have accrued a contributory seniority equal to or greater than 35 years and at least 61 years of age.

The early pension “Opzione Donna”- budget law 2025, is available to female workers who, by 31 December 2024, have accrued a contributory seniority equal to or greater than 35 years and at least 61 years of age.

The age requirement is reduced by one year per child up to a maximum of two years.

The maximum reduction of two years applies to the category of female workers employed or dismissed by companies for which there is an active round table for the management of the corporate crisis, even in the absence of any children.

Female workers, who meet the age and contribution requirements, can access the early pension “Opzione Donna” if they meet at least one of the following conditions:

• assist, on the date of submission of the pension claim and for at least six months, the spouse or part of the civil partnership or a first-degree relative living with them with a severe disability pursuant to Article 3, paragraph 3, Law no. 1992/104, or a relative or a second-degree relative by marriage living with them if the parents, spouse or civil partner of the person with a severe disability have reached 70 years of age or are also suffering from disabling diseases or have died or are absent;
• have reduced work capacity, ascertained by the committees for the recognition of civilian invalidity, for those with invalidity greater than or equal to 74%;
• are female workers employed or dismissed from companies for which there is an active round table, for the management of the corporate crisis, at the corporate crisis facility referred to in Article 1, paragraph 852, of Law no. 296 of 27 December 2006.
  
  The conditions specified above, also with reference to the staff belonging to the school sector or that of Higher Education in Art, Music and Dance (AFAM), must exist on the date of submission of the pension claim and must not be subject to further verification at the first effective start of the pension benefit.

The early pension “Opzione Donna” is calculated according to the calculation rules of the contributory system.

HOW CAN I CLAIM

The claim must be submitted online to INPS through the dedicated service. Alternatively, claims can be made by:

• Phoning the Contact Centre on 803 164 (free from Italian landlines) or +39 06 164 164 from mobile phones;
• On-line services offered by patronage institutes and intermediaries thereof.

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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.

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