The redemption of the degree for civil servants in 2024 makes it possible to transform university years into contributory years for retirement. This tool allows state employees to integrate their contribution position for the right and calculation of pension benefits. The redemption cost is deductible from the 730 model at 19% or fully deductible
, as appropriate.
What is the redemption of a degree for civil servants
The redemption of the degree is a tool that allows state workers to transform their university years into contribution years valid for calculating their pension.
This means that the period dedicated to university studies is considered as a working period for retirement purposes, increasing the worker’s contribution seniority. To make the redemption, you must pay a contribution
.
How does the redemption of a degree work
Redeeming your degree allows you to reach your pension requirements faster and to increase the amount of your future pension. To obtain the ransom, the civil servant must submit an online application to the INPS through the dedicated service, using one of
the following channels:
- Telematic services accessible through the INPS portal with SPID, CIE or CNS.
- Multichannel Contact Center.
- Patronages and other intermediaries of the INPS.
Applications submitted in a form other than electronically will not be accepted.
Requirements for redeeming a degree
The necessary requirements for the redemption of a degree for state students are:
- Have obtained a bachelor’s degree or equivalent qualifications.
- The periods to be redeemed must not be covered by mandatory, figurative or redemption contributions to other social security schemes.
- Be a contribution holder in one of the civil servants’ social security administrations.
Redeemable periods
The redeemable study periods are those relating to:
- University diplomas (courses lasting no less than two years and no longer than three).
- Bachelor’s degrees (courses lasting no less than four years and no longer than six).
- Specialization diplomas (course lasting no less than two years).
- Research doctorates.
- Three-year, specialized or master’s degrees.
- AFAM diplomas awarded by higher artistic and musical training institutes.
Off-course years, periods already covered by compulsory or figurative contributions and years of study without obtaining a degree cannot be redeemed.
Costs of redeeming a degree
The cost of redeeming a degree varies according to the rules governing the liquidation of the pension:
- Contribution system: The periods from January 1, 1996 are redeemable by applying the contribution rate to the salary of the last 12 months.
- Pay system: Previous periods can be redeemed with a variable contribution based on age, period to be redeemed, gender, contribution seniority and salaries in recent years.
How to pay the ransom
The redemption contribution can be paid to the INPS in a single installment or in monthly installments without interest for a maximum of 120 installments. It is possible to make the payment through the PagoPA system
.
Subsidized degree redemption
For civil servants, it is possible to request a subsidized degree redemption, which allows them to save up to 70% compared to the ordinary redemption, provided that they choose to settle the pension with the fully contributory calculation.
