Retired with the female option, there is the facilitated redemption of the degree

The choice to retire earlier with the Female Option is not to be evaluated lightly, since the contribution recalculation that this treatment requires is normally penalizing reminds laleggepertutti.it. However, the contribution recalculation also has the advantage of being able to recover the years of the course for retirement with a lighter burden: in other words, it is possible to obtain a facilitated degree redemption with the female option. In this regard, it must first of all be borne in mind that the so-called facilitated redemption consists in the possibility of recovering the periods of the university course by paying a reduced charge, if the periods must be valued with a contribution-percentage calculation system. The charge is calculated by applying to the minimum in force at the management of artisans and traders, equal to € 15,953 for 2021, the rate in force at the Pension Fund for employees of INPS, currently equal to 33%. Basically, those who request the facilitated redemption in 2021 pay a charge equal to € 5,264.49 for each year to be recovered (15,953 x 33%). For example, four years of graduation “cost” € 21,057.96. But that’s not all: the INPS, through various messages and circulars, has made it clear that the redemption can be calculated with a facilitated charge even where the period to be recovered, even if being originally to be valued with the mathematical-remuneration reserve system, and to be valued with the contribution-percentage system following the exercise of the option to the contributory system, the woman option, the totalisation right or the right of calculation at the management Separate. These are four measures that determine the full contribution-based calculation of the pension. Which periods must be calculated with the contribution system? Normally, the periods credited to the departments administered by INPS are assessed through the contribution calculation system: from 2012 onwards, for those who have at least 18 years of contributions as of 31 December 1995; from 1996 onwards, for those who have less than 18 years of contributions as of December 31, 1995 The pension (and redemption) is calculated with a fully contributory system if the worker: does not have contributions accredited before 1996; contribution, i.e. the so-called Dini option; opts for the calculation at the Separate management of all contributions credited to the Inps funds; makes use of the aggregation, in case of absence of independent right to pension or request for contribution calculation; makes use of the option woman. How does the women’s option work? The requirements established by law for the majority of female workers wishing to access the female option are: the completion of the age requirement of 58 by December 31, 2020, for employees; the completion of the age requirement of 59 by December 31 2020, for self-employed women; at least 35 years of contributions, credited by 31 December 2020 (contribution periods can also be credited later, for example through a redemption or rejoining operation: the important thing is that their placement, in the ” social security account statement, must be completed by 31 December 2020); 35 years of contributions cannot be achieved under the cumulation scheme, that is by adding free of charge the payments credited to different funds: only the “internal” accumulation of the compulsory general insurance is allowed (for example, between the contributions credited to the Pension Fund of employees and at the management of merchants). Starting from the maturity of the requirements, a waiting period is applied, called window, equal to 12 months for employees and 18 months for self-employed workers. Female option and facilitated redemption With regard to the female option and the redemption of the degree, even in cases in which, based on the timing of the periods, the mathematical reserve criterion should be adopted to determine the cost of the transaction, the periods themselves are in any case valued with the contribution-percentage system, due to the option to calculate the pension exclusively in contributions. This makes it possible to calculate the related charge either with the percentage system, or with the subsidized system, which involves a significantly reduced cost, as noted. redemption must be submitted at the same time as the pension application containing the choice of the interested party to access the option dedicated to female workers. and having regard to the timing of the periods themselves. But what happens if the worker obtains the subsidized redemption following the Dini contribution option? In this case, having already opted for contributory, he can no longer obtain the early retirement with the woman option, as this option is aimed at making use of more favorable personal requirements than those in force for leaving work. practice, it is not possible to opt for the contribution recalculation of the pension twice: however, once the first installment of the redemption has been paid, the option to the contribution of the Dini law is irrevocable and there is no turning back.