Pensions, the Bee will cost a fifth of the future pension – The Republic

ROME – Anticipate 100% of the future pension, it will cost a fifth. Writes in black and white, for the first time, the same government in the slide in which he explains the maneuver. The calculation is quickly made: those who want to take advantage of the Bee, the loan pension, must make the accounts with a cheque to be leaner in the future. How much? Of 5.5% per annum. And therefore, if the advance is a maximum of three years and seven months prior to the requirement of old-age – waiver to 20% of the pension because of the instalment twenty years to return, weighed down by the banking interest and the insurance premium.

The government plans to close an agreement with the Abi and Ania – associations of banks and insurance companies – to keep rates at the lowest level possible. And it is also true that a deduction ad hoc will serve the interests and the 50% premium (the State covers half). But despite this – and the government itself to do the calculations – the future pension to those who opt for the Bee will be more poor. Only if the advance is not total – for example it would stop at 85%: I ask to have 85% of pension – reduction of the grant the future it would be less expensive, of the order of 4.6-4.7% in the year. As communicated here and on several occasions by the secretary of state, Tommaso Nannicini. In any case, a close cut to 15% for those who come for three years and seven months earlier.

in general, you may well say – and the economists of the Palazzo Chigi the make in the slide – that the loan will cost you between 2 and 5.5% a year depending on how many Bee asks: a maximum cost, if you ask 100%, to scale if you only need a little bit of it. And the Bee à la carte. Of course here we are talking about Bee voluntary, the advance pension open to government, autonomous and private in the 2017 do 63 years of age, 3 years and 7 months from the old-age pension and can count on at least 20 years of contributions.

Another issue for the Bee social – totally covered by the State, at least up to 1,500 euros gross board – and given to those who are in need: the unemployed, disabled or with disabled family dependants, employees in professions demanding (but in the latter two cases, it can take 30 or 36 years of contributions). If the beneficiary is in these categories – but with a pension exceeding € 1,500 – and want to log in to the Ape, he shall pay one installment less the difference. Then there is a third category of Ape, that of the company: the probability of an early exit for those who is part of a restructuring plan or an agreement with the company that can cover the entire costs.

The Epa will be required from the first of may 2017. The whole package, social security (including the increase in quattordicesime and the rules for workers at early and engaged in activities demanding) costs 6.8 billion between 2017 and 2019. And 24.3 billion cumulative between 2017 and 2026 (an average of 2.4 billion and the year).

Topics:

pensions

ape

Starring:

Nannicini

Poletti