2025 will not see the introduction of the long-awaited Quota 41 for everyone, an early retirement option that would allow workers to retire with 41 years of contributions, regardless of age. The main reason is the lack of available funds, as highlighted by the recent Update Note of the Economic and Financial Document (NADEF 2024) and the Economic and Financial Document (DEF 2024-2025). In this guide, we will explore the reasons for this decision and the alternatives that the Government is considering when it comes to pensions
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Why Quota 41 Won’t Be Activated in 2025
The main obstacle to the introduction of Quota 41 is the limited availability of financial resources. The 2025 Maneuver provides for a reduction in funds allocated to social security, with about 20 billion euros allocated, but
mainly intended for:
- Cutting the tax wedge in 2025, according to the indications of the DEF.
- Reduction of personal income tax, as established by the 2024 tax reform.
- Renewal of state contracts for 2024 and beyond, with increases of up to 190 euros for civil servants.
These priorities absorb a large part of the available resources, leaving little room for new expensive pension initiatives such as Quota 41. Even the Minister of Economy, Giancarlo Giorgetti, confirmed the impossibility of introducing this measure in
the current economic context.
The Proposal for Quota 41 for Everyone
Quota 41 is a proposal that would allow anyone who has paid 41 years of contributions to retire, without any personal requirement. This proposal differs from the ‘early worker pension’, which currently allows early retirement only to specific categories of workers with 41 years of
contributions.
Bill No. 2285, presented in the 18th legislature, provided for the introduction of Quota 41 for everyone, but its implementation is too onerous for current state finances.
What Changes for Pensions in 2025
In light of limited resources, here’s what could change in 2025 for pensions:
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Early
- pensions at risk: Retirement formulas such as Quota 103, Social APE and Women’s Option may be limited or eliminated. Only the ordinary early retirement and the pension for early workers could be maintained
- Possible alternatives: The National Council for Economy and Labor (CNEL) has proposed a return to the Dini Law system, with a flexible exit between 64 and 72 years old. This proposal provides for an increase in the pension allowance for those who choose to retire later
- Retirement bonus at 71: An incentive could be introduced for those who decide to work beyond the retirement age, even if it is still a proposal under evaluation.
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