At what age do you qualify for an old age pension in Italy? How does one accrue the right to an early retirement pension in the Italian social security model? What are the alternative early retirement options offered by supplementary pensions and the insurance sector?
This guide is designed to answer questions such as these, with the aim of providing the reader with an overview of the main options for accessing a pension in Italy. In practice, an attempt will be made to bring order within a context characterised by constantly evolving rules, regulatory updates and experimental options that are often renewed from year to year. The handbook will therefore examine in depth the rules for access to ordinary and early retirement pensions, together with the mechanisms currently present in the Italian system that can offer early retirement options to specific groups of workers. In addition, some important retirement planning tools will be highlighted, such as the pension statement and the orange envelope. Finally, in the last part of this guide we will discuss the options for accessing ordinary and early retirement (RITA) offered by supplementary pensions, as well as the private insurance mechanisms that make it possible to obtain a legally protected annuity at practically any age against the transfer of a lump sum (thanks to annuity policies).