It is important to know this because Retirement It serves to please the gods. requirements well defined, without which you are not only not entitled to the allowance, but also They are lost also All money paid.
We must realize, in fact, that without reaching Minimum Requirements To obtain a pension, all funds paid to INPS are lost and cannot be recovered in any way. But how much is it? The answer is not complicated as there is a very precise ratio that allows you to do this. Calculate How much is paid to INPS per year of work?
How many contributions are required for retirement?
Have you ever reported? How many years of work It is used for RetirementAnd I am especially addressing the young, those who underestimate the importance of informing themselves in advance of what is going to happen. Minimum Requirements It must be achieved in order to stop working and enjoy the income accumulated during the career.
Planning for retirementHere is our custom course.) It is essential and not too early to do so. This way we will understand why, for example, You should never accept to work illegally.and why working part-time for years puts access to a pension at risk.
In detail, the basic condition for retirement is reaching a certain number of contributions, which in the case of an old-age pension is a basic condition. 67 years It equals 20 years. And be careful: because the year of work does not necessarily correspond exactly to the year of contributions. In fact, the salary he receives must be at least equal to a certain amount that is re-determined annually, i.e. equivalent to 2024 to Total €239.44 per weekapproximately 950 euros gross per month. Those who earn less, i.e. part-time workers, will have to work for more than 12 months to be recognized for a year’s contributions.
Therefore, working legally and with a decent salary is essential, with the goal of reaching at least 20 years. And that’s not all, because in the case of those who started working after 1996, there is a second requirement that is not easy to meet with just 20 years of work: the legislation provides for the possibility of receiving a pension single If the accumulated pension allowance is at least equal to the amount of the social allowance, this year it is equal to 534.41 euros Every month. To reach this amount in just 20 years of contributions you need to have at least an average income. Total €1,415 per month.
How much money do you lose if you can’t retire?
Not meeting the pension requirements does not allow you to recover what was paid during your career. Let us consider, for example, those who have worked for 20 years but part-time. Total 800 euros per monthso 10400 euros per year.
As we saw above, in this case, by earning less than the approximately 950 euros needed for full recognition of one year of contributions, the requirement of 20 years of work has not been reached and therefore access to the pension is not possible. The only chance for those who started working after 1996 and did not have any contributions in the previous period is to wait until they reach the age of 71 and go for the option of subscription to the old-age pension which requires only 5 years of contributions.
As for those who have only one weekly contribution paid before the above mentioned date, there is nothing to be done, with no pension entitlement. In fact, taking into account that the amount earned has been paid 33%with a monthly salary of 800 euros for 20 years From the profession Approximately 68,600 euros were lost..
Let’s think instead of those who have worked legally for only 10 years, with a gross salary of 2000 euros per month. Given the amount you have paid, if you do not reach your pension you will lose 85,800 euros.
These are important numbers, and illustrate how important it is to make sure you don’t waste what you’ve put in during your career. Like? Ensure that you meet the minimum retirement requirements.and be careful to refuse offers of illegal work (not just because they are not useful for retirement purposes) and always consider the number of contributions paid and the number of contributions lost. Retirement.
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