Quota 103 with at least 62 years of age and 41 of contributions, a remodulation of the percentages of revaluation of pensions with respect to inflation, a tightening on the women's option and the raising of minimum pensions to 600 euros limited to over 75s: these are some of the novelties arriving in 2023 waiting for the discussion between the Government and the social partners to open in January to arrive at an overall reform of the social security system that does not limit itself as has happened in the last 11 years, since the Fornero reform therefore came into force, with limited adjustments.
On the other hand, the possibility of retiring at the age of 67 is confirmed, as life expectancy has not increased and with 42 years and 10 months of contributions regardless of age (in addition to a three-month sliding window).
Here is a summary of the rules for retirement in force from 2023.
- QUOTA 103
: Those who are at least 62 years of age and 41 of contributions will be able to retire with a sliding window of three months in the case of private work and six in the public one (seven months for those who met the requirements in December).
The total audience is about 50,000 people but it is probable that those who will actually use it will be much less than half (as happened for Quota 100).
The cohorts that will be affected by the measure are only those of 1960 and 1961 (therefore 62 and 63 years old) because the older ones have already left with 100 quota (1959 with 62 years in 2021) and the younger ones will still be blocked.
In fact, anyone who will be 64 years of age and 41 of contributions in 2023 was already 62 of age and 39 of contributions in 2021 and therefore had the requisites for Quota 100. A deterrent to the use of the measure is within the limit
amount fixed by the manoeuvre.
The pension cannot exceed five times the minimum treatment (36,595 euros per year for 2023) until the age of 67 or the requirements for early retirement are reached.
- REVALUATION:
for next year it is an important issue given the trend of inflation in 2022. Pension incomes up to four times the minimum (2,101.52 euros per month gross) will receive the full revaluation (7.3 %).
For checks between four and five times the revaluation will be 85%;
it will be 53% for checks between five and six times the minimum and then fall to 47% for those between six and eight times the minimum, 37% for those between eight and ten times and 32% over 10 times .
In practice, for gross checks exceeding 5,253 euros per month, the revaluation will be limited to 2.33% with a loss of almost five points.
- MINIMUM AT 600 EUROS:
for the over 75s and only for 2023, the minimum pensions (those that were worth 525 euros in 2022) will be raised to 600 euros (instead of 563 as it would have been with the complete revaluation, set at 7.3 %).
- WOMEN'S OPTION
: the age of access to the measure which provides for the calculation of the allowance entirely with the contribution calculation rises to 60 (always with at least 35 of contributions) but with the possibility of a one-year discount for each child up to up to a maximum of two years.
The possibility of using the measure will be limited to women in a disadvantaged situation or those who have been made redundant, have a disability of at least 74% or are dear givers.
- COEFFICIENT REMODULATION:
In 2023 the transformation coefficients of the contribution amount for the calculation of the pension will increase due to the reduction in life expectancy after the increase in mortality due to Covid.
This means that those who leave next year will have a higher pension, with the same age and contributions, compared to those who leave in 2022. At 67 years of age, the coefficient is 5.723 compared to 5.575 in the two-year period 2021-2022, plus also high in the three-year period 2016-18 (5,700).
