Pensions, early exit to measure: even banks in the field – The Messenger

“Flexibility individual choice” and “financial sustainability”. In the tiny paragraph of the paper economy and finaza dedicated to pensions shall clearly define the two lines that the government is following in the area of ​​security, the forthcoming law Stability. The study of Palazzo Chigi and the ministries of Economy and Labour there is a range of assumptions united by a common feature: they offer customized solutions according to different needs, which do not affect the public accounts.

For this you the idea of ​​involving in addition to the workers themselves, eventually called upon to accept a certain penalty in consideration of access to early retirement, even companies (as relevant to generation) and banks that could bring forward some of the resources in exchange adequate remuneration. All in a context where the Government intends to return to push a supplementary pension. To do that the government might backtrack on the recent increase in the taxation of returns, and increase the tax deductibility of payments. But it is not excluded even the laws making it compulsory and no longer optional transfer to severance pay matching funds (which almost no one wanted to payroll), and remains in the field the project to move on the second pillar some contribution points in mandatory ‘scope of a structural reduction in labor costs.

 CASH PROBLEMS
 In short, the project that is taking shape resembles pretty little to what they have in mind for example the unions, who continue to press for a substantial albeit generalized partial revision of the Law Fornero. It is very unlikely that something will materialize. The problem the government is not only to ensure the long-term financial stability, obtained by the reforms that have occurred from the nineties onwards and culminated in the law of the end of 2011; it is also prevent you put an immediate cash problems, to escape to the pension of workers previously blocked.

THE REDUCTION
 So the background is a scheme that would allow the output to 62-63 years in exchange for a check cut, but 2 percent of annual deduction assumed in perlamentare proposed former Minister Cesare Damiano (and others) is not sufficient to avoid they open holes in the state budget, while the application with any and all interested in the contribution calculation (a generalization of the so-called women’s option) is likely to be unattractive as onerous for those concerned. It works well to refine another formula already considered, that of social security loan: the worker who wants to get out before accepting a kind of temporary allowance (about 700-800 euro per month) which then will return in installments once it becomes a retiree with full rights. But in the latest versions of the project’s sacrifice for the employee it should be reduced by the intervention of the company (in generational relay key) or a bank. In the same vein it could be boosted with additional resources on the part-time subsidized mechanism that is about to enter into force. And always ad hoc solutions could include employees of particular sectors in which it is objectively difficult to stay in business, for which admission to the Currency funds strenuous regime (which provides the output with the old quota mechanism): the relative fund so far has been used only in part, and over time its resources have been earmarked for other purposes.
 

 04/20/2016 00:00:00

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