Pension reform, to leave the world of work earlier with a loan

Fedaisf editorial staff

June 17, 2016

It takes a lot of money to retire without penalties, but politics can and must do more recovering money from Regions and State, with cuts to real waste e not to health care and medicines as they have done and intend to do.

To retire earlier, workers could resort to a loan, but they will be penalized for 20 years.

Francesca Casile – 16 giugno 2016 – Blasting News Notizie dal lavoro

THEn this period the Government is preparing one news about l’uscita anticipata from the world of work, a proposal to give impetus to the retirement of those who would like to stop working but still can't, thus also making room for new, younger workers. In order to retire, employees who are not yet of retirement age should apply for a loan to be repaid over 20 years.

Ape for early retirement

The new retirement planning named Bee Yes, it provides for the possibility of retiring early at three years respect first old age (requirement required 63 years and 7 months), but to be able to access it you must apply for a pension loan to be repaid in 20 years.

In fact it is a reduction in the pension which will fluctuate from 1% to 15% among the various types of workers. The penalty (many call it that, even though Nannicini has declared that it is not) could in any case be mitigated by the Rita, i.e. the Advance temporary supplementary annuity che permetterebbe dal 2017 solo ad alcuni soggetti ritenuti più “deboli”, di fare domanda di pensione dimezzando il prestito pensionistico, grazie a tax deductions different for different workers.

There reform would be made on an experimental basis for three years: would concern in 2017 i lavoratori che sono nati nel ’51 e nel ‘53, nel 2018 quelli del ’54 e nel 2019 del ’55. Il reddito pensionistico spettante dal 2017 ai lavoratori, sarebbe quello raggiunto al momento della domanda di pensione anticipata, invece, il coefficiente di trasformazione sarebbe rapportato al momento in cui si raggiunge, effettivamente, il requisito per la pensione di vecchiaia.

It takes a lot of money for a penalty-free retirement

THEIn the event of the pensioner's death, since it is an advance of the money to pay the missing contributions to retire earlier, the loan will not have to be repaid later from the heirs. As for the standard offiscal detraction, is aimed at reducing the costs of this mechanism and may be different for different categories, e.g. those who have lost their jobs will have lower costs and higher costs will be borne by those who apply for a pension early.

This idea is leaving everyone dissatisfied, a serious reform is needed to give space to young people without penalizing more than i already are future retirees, one will come to life right law for early retirement? Dato che ormai l’Europa ha dato la possibilità all’Italia di spaziare dai parametri rigidi in cui era costretta ad operare, sarebbe da auspicare un abbassamento dell’età pensionabile senza alcun penalizzazione.

It takes a lot of money to retire without penalties, everyone knows this, but politics can and must do more recovering money from Regions and State, con tagli ai veri sprechi e non alla sanità e ai farmaci come hanno fatto e intendono fare, mettere un tetto massimo di retribuzione a consiglieri regionali e ai gettoni di presenza ed eliminare molti costi della politica per i parlamentari (spese mediche, viaggi e spese di ristorazione che i comuni cittadini non hanno) e altri lussi di palazzo inconcepibili, potrebbe portare altri soldi in cassa. Lo spreco nel Paese alberga ovunque e non è stato ancora combattuto come si deve, i cittadini sono stanchi e sempre più in difficoltà, sarebbe ora di far “stringere la cinghia” a molti