ROME – Who will anticipate voluntarily exit from the work of three years compared to the retirement threshold will leverage a new pension-bank loan to be repaid in 20 years: the rate will result in a reduction up to 15% of the full potential retirement. But the workers who find themselves in a particularly difficult situation, such as the long-time unemployed, will be reduced to a minimum, if not zero, the “implicit curtailment” allowance for the effect of special tax deductions. They will drown in a modular version (to be calibrated on the basis of income and membership category) the impact of the advance. And for those “weaker” the state, always relying on deductions, it will take over not only the interest but also a slice of the “capital” (ie curtailment of “potential” of the pension). Were Labour Minister, Giuliano Poletti, and Undersecretary to the Presidency, Thomas Nannicini, to explain to the unions, in the second round of social security and labor, the BEE guidelines (pension Advance).
“the pension pillar will be reached at the time of the advance request, the conversion rate will be that the age of retirement”
on pensions confirmed the use of the “loan facility” that will be guaranteed by banks with insurance risks but without the demand for collateral (such as home ownership). To deliver the check advance will INPS, which becomes the front office also dell’Ape through certification of retirement. The pension pillar will be reached at the time of the advance request (not you would count the three years of contribution still missing to reach the threshold of old age), while the usable processing coefficient will be that relative to the attainment of the age of old age.
Accommodation, in advance hypotheses also for state
As noted Nannicini, there shall be no explicit penalties and snap higher tax deductions for the weakest. The real curtailment of the check, which will be variable, will materialize at the time in which snap the tax deductions (different depending on the case). Depreciation will be twenty years. And this for the first three years (2017-2019) will have an experimental character: in 2017 will involve those born between 1951 and 1953 (those over 63), born in 2018, 1954 and the following people born in 1955 . Immediately after the intervention, destined to meet in the next autumn budgetary maneuver, could take a permanent physiognomy.
the cost is estimated at between 500 and 600 million. But without the involvement of banks and insurance companies the flexibility-pension plan could have an impact on public finances even 10 billion. The Bee audience estimated at between 30 thousand and 40 thousand workers per year, partly because not all stakeholders should opt for early exit.
The early exit will cost 1 to 8 percent
The leaders of Cgil, Cisl and Uil have enjoyed the start of the comparison: “There is some good news and the availability of government to enter into the merits of the various aspects, “said Susanna Camusso. “The climate has changed, has activated a real confrontation,” said Annamaria Furlan. “There is an overall judgment – summed Carmel Barbagallo -. The country is expecting something good, let’s not disappoint him. “
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