Old-age pension

What is exactly the old-age pension?

The old-age pension, provided by the INPS, constitutes an accessible economic benefit upon request for workers who meet the age and contribution requirements established by the current social security laws.

Difference between old-age pension and seniority pension

Old-age pension” and “seniority pension” are two terms that are often used interchangeably, leading to confusion. The old-age pension and the seniority pension are two types of social security benefits that differ mainly in the age and contribution requirements needed to obtain them. The old-age pension and the seniority pension are two types of social security benefits that differ primarily in the age and contribution requirements needed to obtain them.

Old-age Pension: This pension is granted when a worker reaches the retirement age prescribed by law and meets the necessary contribution requirements. Typically, the retirement age for the old-age pension is set by law. The beneficiary must have paid a specific number of contributions to qualify for this pension.
Seniority Pension: The seniority pension is granted when a worker reaches a certain age and has accumulated a sufficient number of pension contributions but may not necessarily have reached the standard retirement age. This type of pension is often available as an option for those who wish to retire earlier than the standard retirement age. However, the seniority pension may involve financial penalties, as the recipient begins to receive the benefit before the scheduled retirement age.

In short, the main difference between the two pensions concerns age and contribution requirements. The old-age pension is granted when the retirement age is reached and the contribution requirements are met, while the seniority pension is granted when the necessary age and contributions are accrued, but one is still below the standard retirement age, and may entail financial penalties.

When is it due?

The old-age pension begins from the first day of the month following when the insured reaches the retirement age. In cases where the age requirement is met but the contribution requirements are lacking, the pension starts from the following month when these requirements are fulfilled. Upon request, it can also commence from the month following the submission of the application.

To receive the pension, it’s necessary to terminate the employment relationship, although re-employment with a different employer does not require continuity. However, it’s not necessary to cease self-employment activities.

Submit your application

Request our service/help to submit your application through any foreign patronato. Contact us via email or through the contact page.”

What is needed to apply

To properly apply for the old-age pension, the following information and documents are required to be included in the application form:

Copy of documents for both spouses (if applicable).
Copy of the latest CUD form or income statement.
Declaration of termination of employment with the corresponding date.
Date of marriage or copy of separation or divorce decree (if relevant).
Preferred payment method for the pension.

These documents and information are essential to initiate the process of applying for the old-age pension and ensure proper processing of the application by the pension institution.

We remind you that the documents you will need to submit must be scanned and in PDF format.

Documents transmitted via mobile phone photos will not be accepted.

Technical times to perform the service

The service will be processed within eight business days from the receipt of complete documentation.