The pensions chapter of the maneuver is still in progress and there are two last-minute changes on the 100 quota. The first concerns the prohibition of accumulation with income from work: whoever uses the new channel for early retirement will not be able to collect - in addition to the social security check - other payments for professional activities or occasional collaboration. The ban will expire at the age of 67, the retirement age for old-age benefits. Consequently, those who take advantage of the 100 quota to leave their job at 62 (the minimum age requirement, which must be accompanied by at least 38 years of contributions) will have to wait five years before being able to start working again. For 63-year-olds, the wait will be reduced to four years and so on.
This limitation serves to discourage the use of quota 100, so as to limit the costs for the public coffers. According to the Parliamentary Budget Office, in 2019, 100 up to 437 people could retire with a quota of 13 and, if all of them chose to leave their jobs, the state would face an "increase in gross spending of XNUMX billion euros". But the penalty on the amount of the pension (which, again according to the Upb, will fluctuate between 5 and 34%) together with the ban on accumulation with other income should convince many taxpayers to stay in work. In fact, the government believes that next year no more than 100-250 thousand people will retire with a quota of 270.
BANK FINANCING OF THE TFR
The other novelty in terms of pensions affects only civil servants. Those of them who choose to retire from work with a 100 quota or with the other forms of early retirement already envisaged could (almost) immediately collect the severance pay or the Tfs. As? With a bank loan that would be at no cost to the pensioner, because the interest would remain the responsibility of the state. The advantage would be considerable, given that, at the moment, to receive the first part of the severance pay or Tfs you have to wait from a minimum of 12+3 to a maximum of 24+3 months.
SOCIAL APE AND WOMAN OPTION
The pension package of the budget law will also contain the extensions of theSocial Bee and Option Woman.
