What’s boiling in the pension pot
What are the projects on early retirements. Giuliano Cazzola's analysis
Conversation of Pensionepertutti with Giuliano Cazzola, welfare expert
DelRio (Pd) in recent days has proposed the 92 quota which would replace the 100 quota on its natural expiry. The measure, designed for the most vulnerable categories, women and workers who carry out strenuous jobs, would provide for leaving with 62 years of age but only 30 years of contributions with a 3% penalty for each year in advance. Do you think it could be a solution to avoid the 'staircase' at least for the weaker categories or do you think that a proposal of this type would be seen as unfair by those who would not fall within it?
Sooner or later we will also have to agree with ourselves, because we cannot – on March 8 – say that women cannot give up their careers for the double job they are forced to and then a few days later make discounts on their pension under the pretext that women can thus take care of grandchildren, elderly parents and so on.
Delrio's proposal is just confusing, “ brings vases to Samo and noctole to Ateme '' because this matter is already regulated by the Social Ape designed specifically to meet the same needs indicated by the leader of the Democratic Party, for men and women (various frailties , hard work, caregivers, unemployment, etc.). The Ape is a non-repayable advance of the pension treatment because the interested parties do not have to repay anything when they collect the pension in due time. And they will collect it in full, without the penalty of 3% for each year, proposed by Delrio, which would result in a cut that can reach 15%.
Do you know the story of the chick abandoned in the steppe? Or that of the boy scout who forces the old woman to cross the street to help her? Then let's face it: can women's retirement become a tombola? We list the possible ways out: female option, 58 + 35 years with interamante contribution calculation; ordinary retirement pension regardless of age: 41 years and 10 months; ordinary old-age pension: 67 years with at least 20 years of contributions. I avoid mentioning the cases (there are three as for men) foreseen for women who, having started working before 1996, are fully contributory; a possible Delrio share would also be added to this.
In your opinion, which solution could be more suitable when the 100 quota expires, also given the current pandemic context?
To remedy errors is far from simple. Alberto Brambilla in the accurate publications of Social Security Itineraries has made some interesting proposals. I believe that in the end we will arrive at a form of advance set on a revision of quota 100, gradually raising the age perhaps to 64 years with 38 of contributions, but with a more flexible 102 that also contemplates a variable in the addenda, leaving it fixed the sum, but subjecting the entire benefit to the contribution calculation.
However, I wonder what convenience would the workers have, given that in the end there would not be much difference, especially for women, between these requirements and those of the ordinary advance treatment / 41 years and 10 months), which does not ask for any personal requirements. Those with a long working history that started early are able to reach the required contribution requirement for the retirement pension (42 years and 10 months for men and one year less for women) before turning not only 64, but also the current 62. The data show it.
If you were to give a suggestion to the new government, which aspects / factors would you invite them to take into consideration to modify the current regulations of the Fornero reform?
Probably the best solution could be to leave the rules for ordinary retirement and early retirement as they are (but what to do with automatic linking to life expectancy?) By inserting a further anticipated way out that also incorporates the woman option, that is fully subject to the contribution calculation and with more rigorous access requirements (than those now envisaged for the female option). Obviously by implementing the way out of the Ape package.
(Extract from an interview published on Pensionepertutti. Here the full article )
This is a machine translation from Italian language of a post published on Start Magazine at the URL https://www.startmag.it/economia/pensionamenti-anticipati-progetti/ on Sun, 14 Mar 2021 15:07:52 +0000.