Pensione contributiva (contribution-based pension)

What is the pensione contributiva?

The pensione contributiva (contribution-based pension) is the Italian pension system based on the contributions paid during your working life. The amount of your pension depends on how much you have paid in contributions and on the length of your working career. This means that the longer you have worked and the higher the contributions you have paid, the higher your pension will be.

Who can receive the pensione contributiva?

Everyone insured under the Italian social security system is entitled to the pensione contributiva. This includes:

• Italian citizens: people who hold Italian citizenship.
• EU citizens: citizens of European Union member states who work in Italy.
• Citizens of other countries: people who are permitted to work in Italy, including Ukrainians who have been granted temporary protection or who work on a work visa.

How is the pensione contributiva calculated?

The amount of your pensione contributiva is set by a formula that takes into account:

• Years of contributions: the more years you have worked, the higher your pension will be. To receive a pension you need at least 20 years of contributions.
• The amount of your pension contributions: contributions are paid both by you and by your employer. The higher the contributions you have paid, the higher your pension will be. Contributions are calculated as a percentage of your salary.
• Your age when you retire: the later you retire, the higher your pension will be. Reduced rates may apply to those who retire early.

What is the retirement age in Italy?

The retirement age in Italy is 67.

The retirement age may change as the law changes.

How do you obtain the pensione contributiva?

To obtain the pensione contributiva, you need to apply:

• Online: through the website of INPS (National Social Security Institute), if you have access to your personal account.
• In person: at your local INPS office, where you can get further information and advice.

Prepare the necessary documents: you may need documents proving your length of service and your contributions. These may include:

• Employment contracts.
• Statements of contributions paid.
• Identity documents.

Why the pensione contributiva matters

• Financial security: the pensione contributiva is an important part of financial security in retirement. It is a source of income that allows you to support yourself in old age.
• Entitlement to pensioners’ benefits: the pensione contributiva gives access to social benefits such as health care, care allowances and other social services.
• Legal protection: the right to the pensione contributiva is part of the employment rights that protect working people in the country.

Key points

• Keep your paperwork: it is important to keep all documents that prove your employment and your contributions, as you may need them to establish your entitlement to a pension.
• Advice: if you have questions about the pensione contributiva, it is advisable to seek advice from social security specialists or from lawyers experienced in pension matters.

Conclusion

The pensione contributiva is an important part of the Italian pension system and is based on the contributions paid during your working life. It provides financial security in retirement and gives access to social benefits. The amount of the pension depends on your years of service, the amount of contributions paid and your age at retirement.

For Ukrainians working in Italy, this system offers the opportunity to receive a pension, provided they have a record of employment and have paid contributions. It is important to keep all documents proving your contributions and, if necessary, to consult specialists for advice on obtaining your pension.