Retirement benefits

If you are an insured worker living in Italy or residing in another EU country and meet certain requirements, you will be guaranteed the necessary protection to meet your needs in the form of social security benefits when risks covered by the Italian social security system arise at a particular stage of your life.

A pension is a financial benefit payable on application and subject to certain conditions, to the insured worker or members of his or her family, and to family members of a deceased pensioner.

The benefit is intended for:

• all employed and self-employed persons who are members of the Compulsory General Insurance (AGO) (Pension Fund for Employed Workers - FPLD and special sections for self-employed persons: craftspeople, traders, farmers, sharecroppers and share tenants);
• persons registered with Separate Pension Scheme;
• workers who are registered with AGO's exclusive replacement pension funds;
• family members (survivors) of the insured or retired person (in the event of death of the insured person);

holding a certain number of contribution years and when the following conditions are met:

• risks related to the reduction or loss of ability to work (disability/incapacity);
• natural retirement due to age (old age);
• having reached a contributory length of service regardless of the age of old age (early retirement);
• death of the insured or retired person (in which case the benefit is intended for surviving family members).

Civil servants, insured under exclusive forms of the Compulsory General Insurance (AGO), are registered with the following Funds:

• State Employee Pension Payment Fund (CTPS);
• Local Authority Employee Pension Fund (CPDEL);
• Health Pension Fund (CPS);
• Judicial Officials' Pension Fund (CPUG);
• Pension Fund for Nursery Teachers and Officially Recognised Schools (CPI).

Please consult the following chapters of the Mutual Information System on Social Protection (MISSOC) to find out under what circumstances and how you can apply, what you are entitled to and who you can contact, updated to July 2024.

Old-age and Early Pension 

Survivors' benefits

Incapacity and disability benefits

You will be able to access the INPS website to apply for a pension online via the second level SPID (Public Digital Identity System) or the CIE (Electronic Identity Card) or the CNS (National Service Card).

Relevant Legislation

• Legislative Decree 30 December 1992, No 503 (in Italian) on the reform of private sector and civil service employees' pension schemes.
• Law 8 August 1995, No 335 (in Italian) on the reform of compulsory and supplementary pension schemes.
• Law 23 August 2004, No 243 (in Italian) - Social security provisions to promote supplementary pension schemes (Law No 243 of 23 August 2004 - Pension regulations and delegation of powers to the Government in the field of public pensions, for the support of supplementary pensions and stable employment, and for the reorganisation of compulsory welfare and social security institutions).
• Law 24 December 2007, No 247 (in Italian) - Further provision in matters of employment and social security (Law No 247 of 24 December 2007 - Rules for the implementation of the Protocol of 23 July 2007 on welfare, labour and competitiveness to promote equity and sustainable growth, as well as further labour and social security regulations).
• Law 3 August 2007, No 127 (in Italian) amending Decree Law No 81 of 2 July 2007 providing for urgent measures in financial matters.
• Law 6 August 2008, No 133 (in Italian) Conversion into law, with amendments, of Decree Law No 112 of 25 June 2008, containing urgent provisions for economic development, streamlining, competitiveness, public finance stabilisation and tax equalisation.
• Law 30 July 201, No 122 (in Italian) concerning urgent measures in the field of financial stability and economic competitiveness.
• Legislative Decree 67/2011 (in Italian) concerning "Access to earlier retirement of workers performing particularly heavy and arduous jobs, as per categories provided under law 4 November 2010, No 183.
• Decree Law 6 December 2011, No 201 (in Italian) , converted into law 22 December 2011, No 214 - concerning urgent measures to boost growth and equity, aimed at the consolidation of the national debt.
• Law 27 December 2013, No 147 (in Italian) - Provisions for drawing up the annual and pluri-annual budget of the State – Stability Law 2014.
• Law 23 December 2014, No 190 (in Italian) containing provisions for drawing up the annual and pluri-annual budget of the State – Stability Law 2015.
• Provisions for drawing up the annual and pluri-annual budget of the State – Stability Law 2016 (in Italian) .
• State provisional budget for the financial year 2017 and pluri-annual budget for the years 2017-2019 (in Italian) – Stability Law 2017.
• Budget Law 2018 - State provisional budget for the financial year 2018 and pluri-annual budget for the years 2018-2020 (in Italian).
• State provisional budget for the financial year 2019 and pluri-annual budget for the years 2019-2021 (in Italian) – Budget Law 2019.
• Decree Law 28 January 2019, No 4 (in Italian) – Urgent Provisions in matters of basic income and pensions - January 2019.
• State provisional budget for the financial year 2020 and pluri-annual budget for the years 2020-2022(in Italian).
  
• State provisional budget for the financial year 2021 and pluri-annual budget for the years 2021-2023  (in Italian).
  
• State provisional budget for the financial year 2022 and pluri-annual budget for the years 2022-2024 (in Italian) .
  
• State provisional budget for the financial year 2023 and pluri-annual budget for the years 2023-2025 (in Italian).
• State provisional budget for the financial year 2023 and pluri-annual budget for the years 2024-2026 (in Italian).