A few thousand workers will be able to retire early in 2024. With Quota 104, the one-year increase in the age means that exits in 2024 are limited to those who this year were already 62 years old for Quota 103 but not yet 41 years of contributions. People who turn 63, born up to 1961, and who have started working since 1983 and will therefore reach 41 years of contributions next year, will be able to retire. For Quota 103, just over 5 thousand applications were accepted in the first five months and it is expected that by the end of the year there will be about 12/15 thousand against a total audience of people with the requirements of 41 thousand. With the new tightening, the number of applications accepted with this exit channel could be less than 7/8 thousand compared to an audience of about 20 thousand for an adhesion rate of about 30%, similar to the other quotas.
A significant restriction on early exits will come with the elimination of the Social Ape and the confluence of this shock absorber and the Women's Option in the Fund for Exit Flexibility. For a large part of the audience of the Social Bee, the years of contributions necessary to obtain the subsidy will increase, passing through the unemployed, caregivers and workers with a disability of at least 74% from 30 to 36 years old. They will remain at 36 years for workers engaged in strenuous activities. The minimum age to access this type of advance will remain at 36 years old, but it is not yet clear whether the new rules will provide for real access to the pension or just a sort of slide towards retirement like the current Ape (with a limited amount and only for 12 months a year instead of the 13 of the pension). For women, the elimination of the Women's Option and the entry into the Flexibility Fund has been announced, probably always with the transition of the calculation of the pension with the contributory method. In this case, however, there is an increase in age of at least three years (it is not clear whether the discount for those with children will remain).
The issue of revaluation with respect to inflation remains open, for which the government has announced a commitment of 14 billion. If for the first bracket (up to four times the minimum amount) the pension will be revalued by 100% with respect to inflation and for the next bracket (four to five times the minimum) the equalization will be 90%, it is likely that the revaluation percentages for the subsequent bands will be adjusted downwards compared to 2023.
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