Pensione anticipata

Pensions, the trick to avoiding the Fornero law? Working in these countries

In recent days we have explained to you the reason why moving to Albania to work, even just at the end of your career, can represent a good solution to circumvent the Fornero law.
With the signing of the bilateral convention, in fact, for the purposes of achieving the right to a pension, in Italy and in Albania, the contributions paid in both countries are considered thanks to the instrument of international aggregation.
In fact, in this way even those who have been employed for a large part of the time in Italy can move to Albania, where they can work for the last few years (at least 52 contribution weeks are required for the totalization in both countries) so as to benefit from rules for retirement less severe than the Italian ones governed by the Fornero law.
In this regard, it is important to know that Albania is not the only country with which Italy has signed bilateral agreements that recognize the right to free aggregation of contributions.
So let's see which countries you can move to without losing the contributions accrued in Italy and where the retirement rules are more favorable than ours.
Free aggregation in EU countries First of all, it is good to remember that it is EU legislation that recognizes the possibility of aggregating contributions accrued in all member states.
What is important to underline, however, is that international aggregation does not involve the transfer of contributions from one State to another, but allows them to be taken into account only for the purposes of ascertaining the right to a pension.
Therefore, you can move to those EU countries with more favorable rules for retirement than those provided for in Italy, where we remind you that to stop working you must be at least 67 years of age (and 20 years of contributions) or alternatively have accrued 42 years and 10 months of contributions (1 year less for women) regardless of age.
Thanks to the reforms implemented in recent years aimed at making the pension system more sustainable, most EU countries have raised the requirements for retirement, not differing much from Italy.
In most cases, in fact, compared to our country, people retire 1 or 2 years earlier.
In this regard, today the most favorable social security systems in Europe are those of France (where today you need just over 62 years of age to retire, but the reform recently approved by the Macron administration has provided for an increase of 3 months every year up to 64 years in 2030) and Sweden.
Here the pension system is quite complex and above all flexible, so much so that it allows retirement at the age of 61 (but even in this case a gradual increase up to 64 has been arranged).
Even in Bulgaria there is more favorable treatment compared to Italy: here men can retire at 63 years and 4 months if they have accrued at least 37 years and 4 months of contributions, while women retire at 60 years and 4 months with a contribution requirement of 34 years and 4 months.
However, those who do not reach the aforementioned contribution requirements but have completed at least 15 years of them (minimum condition) go there at 65 years and 4 months.
In the Czech Republic, the right to a pension is reached at 65, while for women with two or more children it is reduced to 64; the contribution requirement is 35 years.
The other countries with which Italy has signed an agreement for the free totalization of contributions.
In addition to Albania, there are other non-EU countries with which Italy has signed a bilateral agreement for the free totalization of contributions.
Among these is Argentina, where the right to an old-age pension is achieved upon reaching the age of 65 for men, 60 for women.
Alternatively, you can retire with a sort of "Quota 40", therefore with 40 years of contributions regardless of your age.
But you don't have to move very far: even the small state of San Marino has signed an agreement with Italy for the free aggregation of contributions.
In this regard, here the old age retirement age is 66 (one less than us) always with 20 years of contributions; the right to a retirement pension accrues with 60 years of age and at least 40 years of contributions (a sort of Quota 100).
There is also Tunisia, where in addition to a retirement age of 62 it is also possible to benefit from a more favorable tax regime (so much so that many Italians move there after retirement).

Author: Hermes A.I.

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