When you reside at the table of the discussion, that is Thursday, June 23, the government and trade unions will have to return to face the theme of ‘ APE , the check advance that responds to requests for pension flexibility. If the structural point of view the measure is now ready and waiting, that is, the mechanism of the bank loan that retirees receive in advance by the INPS and that will begin to return after 66 years, the discussion will focus on how to return and the amount of the installments. Despite seems to fade any idea of correcting the Law Fornero which in effect will remain as it is, what will be discussed will be very important because, in fact, will determine what will have to leave “in the field” pensioners for the discount received on the pensionable age.
the government continues to say it is not a penalty
Only the rate of the loan to be repaid, no penalty check will be applied to pensions paid starting from 63 years and 7 months . This, in short, what comes out of the statements of the representatives of the government . But that will not mean that the 3 years ahead of the current 66 and seven months by which you can access the old-age pension are a gift, that is no sacrifice anyone asked citizens. The rate of return, in fact, seems can be up to touch the 20% of the pension which the anticipatario will begin to feel once they reach the age Fornero . Not to mention some of the golden-age or many thousands of euro. In fact, the contribution base necessary for the EPA is fixed at 20 years as a minimum threshold, and today with 20 years of contributions you can not expect a super board.
are studied, corrective, but the parties are distant
you do not correct the Fornero, and this is a fact that leaves the parties sitting at the table with the unions who wished to full reform and a real flexibility while government remains firm on the objective of the public finances. Ultimately, yes, but in advance of the employee expenses, and paid by a bank to which the money will go to Monthly rate for 20 years. Even if you do not want to hear about penalisation or check cut, for all practical purposes this is all about: 20 years means overcoming life expectancy or almost, that is, get to pay up to 87 years.
in other words, for a lifetime the retiree will receive a reduced pension because of the rate, unless he is lucky enough to get to touch the 100 years. For those who perceive 1,000 euro per month (with 20 years of contributions, the amount will be more or less like this for most of those entitled to the advance) the rate could be 72 Euros per month for every year before. For output to 63 years and 7 months so, the installment will be of 216 Euros, that is, the salary will drop from 1,000 euro to 784 Euros per month for 20 years, until all’ottantasettesimo birthday.
for pensions from € 1,500 you will also lose 324 Euros, while for 3,000 Euros by check , the “bleeding” will be of 650 Euros per month. In the meeting between the parties we will try to smooth out some details of the measure. Maybe it will aim to use the provident funds complementary to those who have made payments. But they are still workers’ money, so would mean lowering the rate using the savings of pensioners. Another solution is to provide stagger the installments with interest, by charging less to workers in precarious conditions and income discomfort. In this case you have to see who will bear the missing part of the money returned to the bank. In short, everything on the high seas, and 23 hopefully that something is better clarified.
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