The National “Early Retirement” Fund is a fund established at the CNCE fed by the contribution paid by the employer of the 0.20% of the reported pay slips provided for in the National Collective Agreements for the sector and governed by the Regulations dated September 10th, 2020 and amended by a subsequent national agreement dated September 21st, 2023. The changes are experimental and are in effect from October 1st, 2023 to December 31st, 2026.
To whom it is addressed
It is aimed at all blue-collar workers who are close to:
- old-age pension
- early retirement
- precocious early retirement
- occupational pension for heavy labor
who with 2,100 hours of APE accrued contributions the last 24 months prior to the termination of the employment net of periods of unemployment benefits are in the following conditions:
- fall within the hypotheses of termination of a fixed-term employment contract, collective dismissal, dismissal for objective justified reason with stipulation of individual agreement not to appeal the dismissal, consensual termination of employment giving access to NASPI, definition of an incentivized termination of employment (art. 14 L.D. 104 – 14.08.2020);
- achieve the minimum requirements for retirement, including early retirement, net of NASPI or equivalent treatment due, within the time limits of the entitlements recognized as early retirement (within 12 or 18 or 24 months after the exhaustion of social security nets (NASPI or equivalent treatment) depending on the choice made by the worker;
- meet the legal requirements to obtain authorization from INPS for voluntary continuation of contributions (at least 5 years of contributions, for pension purposes – 260 weekly contributions or 60 monthly contributions and at least 3 years of contributions for pension purposes, in the five years preceding the date of application).
Calculation of the 2,100 hours
For the purposes of calculating the 2,100 hours, the 24 months preceding the termination of employment must be taken into account, going backwards, where there are periods of Unemployment Benefits in that interval, up to a total of 30 months of unemployment benefits in the five moving years.
Where the worker does not reach 2,100 hours at the Cassa Edile competent to receive the request, for the purposes of the above calculation, the Cassa will have to verify, through the APE database, the additional Cassa where the worker has been enrolled in recent years, in order to be able to proceed with the certification of the 2,100 hours.
In the event that the company has failed to pay the contribution due and therefore useful for achieving the 2,100-hour requirement, the application is suspended pending the company’s regularization.
Entitlement Benefit
Where the requirements are met, the worker may apply for one of the following alternative options:
- 24 MONTHS INCOME INTEGRATION + 24 MONTHS VOLUNTARY CONTRIBUTION (concurrent)
- 48 MONTHS OF VOLUNTARY CONTRIBUTION (assuming that these months allow for the accrual of the retirement requirement)
- 36 MONTHS OF INCOME INTEGRATION assuming that, net of NASPI, these months allow the attainment of the age requirement for old-age pension)
If, in order to attain the retirement benefit, the worker takes a period of NASPI, together with one of the above options, the following will be granted:
- 100% NASPI supplement from the beginning of the decalage up to the maximum amount provided.
The amount will be equal to the treatment provided for voluntary continuation of contribution (33%, subject to legislative changes, of the reference salary of the last 52 weeks of work, even if not placed temporally in the year immediately preceding the date of submission of the application) and will be paid to the worker net of legal withholdings and in advance to pay the relevant quarterly deposit slips issued by Inps. The worker will be advanced the next installment only upon delivery to Cassa Edile/Edilcassa of the deposit slip evidencing the payment of the previous installment.
The income supplement benefit (referred to in points 1 and 3) is equated to the net monthly price ceiling provided for the range of the ordinary wage unemployment benefit for events different from the weather, in effect on the date of the request.
Documentation
The application must be accompanied by:
- Ecocert or specific INPS certification eligible for early retirement;
- Hypothetical estimate of the period of NASPI due;
- Assumed date of retirement;
- NASPI benefit settlement document.
- Worker’s application – Annex 1
- Worker’s self-certification – Annex 4
- National “Early Retirement” Fund Regulations.