In early retirement with the bee is an evocative title. He evokes the “umarells”, the cairns Bolognese retired writer and blogger Danilo Masotti https://umarells.wordpress.com/ who have always some money aside to help their children and grandchildren, do not have much to do and oversee construction sites to feel useful. And evokes the Ape car, the legendary motofurgone three-wheeled Piaggio, typical vehicle of the pensioner, especially the country, dedicated to the cultivation of vegetables and vines.
The Ape (acronym pension Advance) – assured the Prime Minister Renzi on Facebook – from next year transport workers “more losers”, ie 63-65enni today who have been raised d ‘ emblée the retirement age to 66 years and 7 months of the Sacconi-Fornero reform, until the longed-for retirement with more than 3 years in advance, of course, with “penalty on the check.”
Compared to the “position paper”, the document announced days ago by the Secretary to the Prime Minister, Tommaso Nannicini, foster father of this mini-reform, the name changes but not the substance: always “supercazzola” the government is, as I wrote in the article http://www.huffingtonpost.it/claudio-visani-/la-supercazzola-del-governo-sulle-pensioni_b_9757394.html, and always with the same disappointments that here I had tried to explain http://www.huffingtonpost.it/claudio-visani-/pensioni-ecco-cose-il-position-paper_b_9788246.html.
In the exception, perhaps, of those workers of the classes 1951, 1952 and 1953 they have lost their jobs, are too old to find him and too young (so to speak) for retirement. For those unemployed, doubly “losers”, the cost of early retirement should support the state. But it is not yet clear whether in whole or in part, and has not been specified yet what will they reduced the monthly check. Because what is certain is that there will be for them the penalty for each year of early retirement age (something like a maximum of 10% in three years).
The other two types of retirees covered by the operation are: the worker who wants to get out before for personal choice and one that lives as early retirement by the company in crisis or as part of a reorganization plan. In the first case (will be confirmed if the government’s advances), the employee will receive a “pension loan” from banks to cover the two or three years in advance. For those years she will receive a reduced grant from penalties on the advance. And when will ripen the requirements for access to a retirement pension, you will also begin to repay the loan to the banks, through the INPS, with installments deducted from his already reduced monthly allowance. In essence, the employee will pay the advance with a regular bank loan: a loan contract that the worker will not mortgage the house, but it will nevertheless return.
In the second case, however, it will be the company to bear the cost of the advance, with an intervention by the State to pay insurance to guarantee risk death. The worker will however, always, the curtailment of the check monthly for downgrading on years in advance.
The bottom line is that Renzi, as always, is very able to communicate: and sells the Bee to retiring “more losers” into thinking it is another “bonus” of the government. But in reality the measure that you are writing and which is scheduled in the law of stability in 2017, is at almost zero cost to the state, over medium-high cost for companies and high cost for workers. The latter, without the trick they have been pulled with the Sacconi-Fornero reform, today would have happily retired, and with a full pension. Instead they will retire still years later and with the reduced allowance: the only penalties on the advance if they are unemployed or taken early retirement from the company, with the double penalty if they want to get out voluntarily.
This while the president of INPS informs us that former parliamentarians take almost twice as much as it would be for their retirement if their annuities were calculated with the contribution method now applies to all mortals. The cost of 2,600 allowances currently paid, said Boeri at a hearing in the House, will be of 193 million Euros in 2016, 40% higher compared to the contributions paid. It does not appear that there are penalties for them on the way.
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