The Complementary

The function of the supplementary pension à ¨ to allow the worker to integrate with the supplementary retirement paid by basic security institutions mandatory.

From 1st January 2007, it has to after accruing additional requirements for access to compulsory, at least five years of affiliation to a form of retirement provision.

Lâ € ™ writing pua ² choose to receive a pension benefit:

  • entirely of income, through the disbursement of € ™ supplementary
  • the capital (up to a maximum of 50% of the positions gained) and part annuity.

In the event that you convert into income at least 70% of the matured, lâ € ™ amount of is less than half the complement â € ™ INPS social allowance (currently equal to Euro 381.72 per month), lâ € ™ writing pua ² choose to receive the full € ™ performance in the capital.

For the determination â € ™ length of enrollment required to obtain benefits, are considered useful all periods of attendance at supplementary pension schemes completed by € ™ membership without having exercised the same ransom.

Pension benefits may be transferred, seizure only where and to the extent expected for the compulsory.

Advances

In certain cases the law allows, similarly to what happens for the TFR left with the employer, to take advantage of advances. The sum to be anticipating à ¨ calculated on the matured, made by payments made and the returns made up to that time.

From 1st January 2007, writing pua ² € ™ lâ € ™ anticipation of obtaining individual position:

  • at any time of participation in the type of pension: up to 75 percent of the matured to support medical costs resulting from serious conditions related to sà ©, the spouse and children (therapies and interventions approved by the competent public facilities). The liabilities of this advance may be sold, seized or attached only where and to the extent expected for the obligation;
  • After 8 years of membership in the fund : o up to 75 percent of the position gained € ™ acquisition and restructuring of the first home for sà © and children;
    or up to 30 percent of the individual position, for additional needs â € ™ writing.

For the maturation of the eight years of enrollment are considered all periods of attendance at supplementary pension schemes for which has not exercised the redemption (see below â € ~ ransom position individualeâ € ™)

Transfer of the individual position

From 1st January 2007, pua ² € ™ writing individual position to transfer to another pension supplementary

  • for the loss of the requirements for participation (eg change in employment): Lâ € ™ writing that before retirement loses its participation in the supplementary pension pua ², an alternative to redemption (see â € ~ ransom position individualeâ € ™), transfer the matured amount in the supplementary pension to which pua ² access under the new work;
  • result of voluntary choice: any time after two years to join a supplementary pension, the member pua ² € ™ lâ € ™ entire transfer individual position with a € ™ other pension complementary collective and individual.

In case of transfer, the worker is to the continuation of pension payments to the form chosen is the TFR is â € ™ any contribution payable by the employer, to the extent and in the manner prescribed by contracts or collective agreements.

Redemption of the individual position

From 1st January 2007, € ™ adherent before retirement loses its participation in the supplementary pension as an alternative to transfer to a position € ™ other pension supplementary pua ²:

  • request, under certain conditions, the redemption of the position, namely the return of accumulated individual position;
  • maintain individual position aside at the end, even in the absence of contribution

Redemption alarm system can be partial or total and alarm system can be applied in the following cases and measures:

  • partial redemption (up to 50% of the positions gained) when the period of unemployment following the cessation â € ™ work is between 12 and 48 months or in case of appeal by the employer to mobility procedures , wage supplementation ordinary or extraordinary.
  • total redemption where the period of unemployment resulting from the termination employment â € ™ is more than 48 months or in case of permanent disability resulting in the reduction of working capacity in less than a third.

In case of loss of participation requirements, forms of supplementary pension may also be possible to rescue the position gained in line with the loss of causal participation requirements thus far in the statutes and regulations allowed, also based on predictions of collective bargaining .

In case of death € ™ â € ™ membership in constancy of employment (cioa ¨, prior to retirement), the entire position gained € ™ Ã ¨ paid to the heirs or other persons identified by € ™ writing. In the absence of such parties, the position is absorbed by the fund or, in the case of individual pension schemes, Ã ¨ devoted to social purposes in accordance with procedures established by the Decree of the Minister of Labor and Social Security.

Source: tfr.gov.it

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