Pensions, the possibility of 64 years for everyone with TFR arises: how much does it really cost to leave early?

John

By John

The social security dossier returns to the center of the political debate. The strategy promoted by the League is being examined by the executive, which aims to grant access to early retirement at 64 years of age by extending the measure also to those who entered the world of work before 1996. The political project led by Matteo Salvini revives the idea of ​​using severance pay to facilitate priority exit, thus expanding the scope of beneficiaries to include workers included in the mixed regime.

Access to this margin of flexibility would, however, remain subject to stringent conditions: the payment of the allowance entirely with the rules of the contributory system and, if the accrued amount is not sufficient to reach the minimum threshold established by law, the integration through a share of the accumulators’ severance pay.

The cost of the advance: the CGIL estimates

So what would be the economic impact for those who choose to retire early? The calculations carried out by the CGIL Social Security Observatory highlight how the full conversion of the calculation to the contributory method involves an average reduction of 10.6%. In practical terms, the agreement would translate into a definitive cut of between 183 and 366 euros gross per month. The decrease in the amount would not affect all members in the same way: the real economic sacrifice would vary depending on the individual salary path and the amount of payments made following the 1996 reform.

Requirements and voluntary participation

The measure, conceived as an optional choice at the discretion of the worker, would require as a prerequisite a minimum contribution accrual of 25 years. In exchange for early access, the applicant should sign an explicit waiver of the salary quota for years of service prior to 1996, accepting the recalibration of the entire allowance based only on the contribution actually paid.