Guide to rules and requirements for accessing retirement benefits
LaPresse / CorriereTv
Those who retire from 2022 have to settle for a lighter allowance for the contribution share. In fact, in 2021 the new coefficients were taken to calculate the amount of the annuity determined with the “contribution method”. They provide for a reduction which, depending on the age of access to retirement, varies from a minimum of 0.33% to a maximum of 0.72%. All in all, a modest decline, considering that compared to the original ones of the 1995 Dini reform, they fell overall by more than 12% and it is this decline that produces the cut in annuities. The contribution system is the pivot of the Dini reform: the pension is linked to the contribution paid in working life and not to the salaries of the last period, as was the case in the salary system. A mechanism that was introduced to limit social security spending. The contribution system works like a savings account. The worker annually sets aside 33% of his / her salary (self-employed workers 24%). The paid-in capital produces a sort of compound interest, at a rate linked to the five-year dynamics of GDP and inflation. With respect to the salary, the contribution system provides for the existence of a contribution-pensionable ceiling. In practice, a limit beyond which contributions are not due. At the same time, the share of the salary that exceeds the ceiling will not give any benefit in terms of pension. The useful value for the year 2022 is equal to 105,014 euros. On the date of retirement, a “conversion coefficient” that increases with increasing age is applied to the contribution amount, ie the revalued sum of the payments made. The coefficient is equal to 4.186%, for those who ask for an annuity at 57 and rises to 4.770% for those who resist work up to 62 years and 5.575% if you decide to go up to 67 years.
February 12, 2022 – Updated February 12, 2022, 3:38 pm
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