Also in 2024, it is possible to apply for the Maroni bonus, intended for those who decide to postpone their retirement despite having accrued the requirements to access Quota 103. This incentive, similar to the one active from 2004 to 2007, guarantees an increase in net salary through a contribution exemption of
9.19%.
What is the Maroni Bonus
The Maroni bonus is a contribution relief granted to workers who, despite accruing the pension requirements for Quota 103 in 2024, decide to stay at work. Provided by the 2023 budget law and confirmed by the 2024 budget law, the exemption amounts to 9.19% of the contributions to be paid. The amount saved will flow into the worker’s net salary, thus increasing the
salary.
This bonus is named after former Welfare Minister Roberto Maroni, who introduced a similar tool in 2004.
Who is entitled to the Maroni Bonus
The Maroni bonus in 2024 is intended for employees in the public and private sectors who, despite having accrued the requirements for early retirement Quota 103 by 31 December 2024, choose to continue working. Quota 103 allows early retirement to those who, by 31 December 2024, have reached 62 years of age and have paid at least 41 years
of contributions.
Requirements for the Maroni Bonus
To benefit from the Maroni bonus, workers must meet the following requirements:
- Be enrolled in compulsory general insurance or in its alternative and exclusive forms.
- Accrue the requirements for flexible early retirement in 2024 and choose to continue working as an employee.
- Do not be a direct pension holder, with the exception of the ordinary disability allowance.
- Not having reached retirement age.
The incentive is not considered an incentive to hire and is not subject to the employer’s possession of the single regular contribution document.
How to apply for the Maroni 2024 Bonus
The application for the Maroni bonus can be submitted through:
- The INPS website, accessing with SPID, CNS or CIE.
- The electronic services offered by patronage institutions.
- The Integrated Contact Center at the toll-free number 803164 (free from a landline) or at the number 06164164 (paid from a mobile network).
How does the Maroni Bonus work
Those who decide to delay access to retirement receive a higher salary thanks to the reduction in employee contributions. The contribution exemption concerns the share of employee contributions due to compulsory general insurance for disability, old age and survivors (IVS), equal to 9.19%. The worker will have a larger paycheck for the duration of the incentive, but his future pension
will be lower.
Effective from 2024
The Maroni bonus will be paid from August 2, 2024 to November 1, 2024, based on the categories of employees:
- From August 2, 2024 for employees of a private employer with a pension under the exclusive management of the AGO.
- From September 1, 2024 for employees of a private employer with a pension under a different management.
- From October 2, 2024 for public administration employees with a pension dependent on the exclusive management of the AGO.
- From November 1, 2024 for public administration employees with a pension under a different management.
Expiry of the effects of the Maroni Bonus
The Maroni bonus ceases to take effect when one of the following conditions occurs:
- Revocation of the right to waive.
- Reaching old age for retirement.
- Obtaining a direct pension, with the exception of the ordinary disability allowance.
How does the pension change with the Maroni Bonus
The periods in which the worker benefits from the Maroni bonus involve a reduction in the financing and calculation rate that does not affect retirement pay. The use of the benefit does not change the amount of pension shares calculated with the pay system, while the exemption will affect the contribution amount of the contributory
pension.
Is the Maroni Bonus worth it?
The decision to postpone leaving work with the Maroni bonus has significant financial implications. The worker will receive a higher salary but a lower future pension. It’s important to consider all aspects before deciding.