Retired at 60 with 35 contributions and two different penalties-proiezionidiborsa.it
Retiring in 2024 could be easier if the pension reform really sees the birth in 2024. In fact, a solution that in some ways seems revolutionary could become a reality. We are talking about the women’s option pension and therefore about the measure that concerns female workers today and tomorrow could also concern all workers which allows, behind a penalty, to access retirement several years earlier.
This is an impromptu solution, but one that would allow the system to be given the right flexibility when exiting the world of work. But how would people get out of work in 2024 with the new measure and what could workers do by accepting this kind of exit? here is the point of today’s situation, waiting for the summits between the government and the unions to clarify things.
Retired at 60 with 35 contributions today and tomorrow, how would it change?
Today the retirement at age 60 it is an almost exclusive possibility for women. The quasi concerns that small part of workers, even other than women, who can retire reaching 42 years and 10 months of social security contributions without age limits for ordinary early retirement. But there are also those who could take advantage of Quota 41 for precocious ones, for example. For the rest, the age limit at 60 years essentially concerns only female workers. All you need is 60 years of age and 35 years of contributions paid.
By accepting the contribution recalculation of the benefit e completing the two requirements by December 31st of the previous year (2022 for those leaving in 2023), the pension for female workers is usable. In the measure for 2023 there are limitations and concessions. Limitations for the audience, given that it is a measure intended only for women and only for those who at the same time and alternatively are disabled, caregivers, unemployed or employed in companies with open crisis tables. For the aforementioned bonuses, age goes down by 12 months for every child born up to a maximum of 2 years of bonuses. So with two or more children, at the age of 58, exit with a female option in 2023 can be achieved.
Retirement at 60 in 2024, here’s how
Extend the option for women also for men from 2024 it could serve to grant an extra exit to workers, but at the same time also to provide the system with the right flexibility. For example, granting, again behind the recalculation of contributions, the option also to workers and also to 60 years of age. In practice all workers who will complete 35 years of contributions and 60 years of age, by the end of 2023, they could leave their jobs in 2024.
But agreeing to take a lower pension due to the contribution recalculation of the benefit. A check cut of even 30% and more. But which could, on the basis of a less drastic hypothesis, be reduced only to the years in advance. In other words, the possibility of accessing the pension with the recalculation of contributions could be granted, but only for the first years of retirement. Once you get to 67 years old, the pension would be recalculated recovering that 30/35% initially lost. Retiring at 60 with 35 contributions would become a more attractive solution for many.
