The redemption of maternity contributions for pension purposes is a service offered by the INPS that allows the crediting of figurative contributions for periods of compulsory maternity leave. This redemption can be requested both for periods of maternity during an employment relationship and for those that occurred outside the work context. In the second case, it is necessary that the mother has accumulated at least 5 years of actual contributions
.
The redemption of maternity contributions makes it possible to assert these periods for pension purposes, adding up the contributions accrued to obtain a pension. The accreditation of figurative contributions is free of charge but subject to specific requirements established by
law.
How to redeem maternity for retirement purposes
To obtain the accreditation of figurative maternity contributions, it is necessary to submit a formal request to the INPS. Depending on whether the maternity occurred during or outside an employment relationship, the procedure varies
:
- During the employment relationship: the worker must submit a formal request to the INPS together with the birth certificate of the newborn. The crediting of contributions for the period of abstention, which includes the time between the presumed date and the actual date of delivery, does not take place automatically but requires sending
- Outside the employment relationship: the worker (or worker) must submit a formal request to the INPS, but it is necessary to have at least 5 years of effective contribution deriving from an employment activity.
the request.
How much is maternity for retirement purposes
Motherhood can have a significant impact on retirement purposes. Italian social security legislation recognizes figurative contributions for a period of 5 months, corresponding to mandatory leave for employees. These contributions, granted at no cost to the worker or employer, are useful for accumulating years of contributions necessary to obtain a pension and to determine the amount of the pension
benefit.
How to request figurative maternity contributions
To submit the application for the redemption of maternity contributions, it is necessary to fill in the appropriate “INPS maternity redemption” form and submit it to the competent INPS office. The application must be accompanied by the replacement declaration of certification (self-certification) of the child’s date of birth and the mother’s personal data
.
How many contributions can be redeemed
The figurative contribution period recoverable through the redemption of maternity is 5 months for each child, equivalent to 22 weeks of contribution. This provision applies both to pregnancies that occurred during an employment relationship and to those outside of it
.
Who can redeem maternity contributions
All employees, both in the private sector and in the public sector, can redeem maternity contributions for pension purposes. In some cases, even father workers can do it. The redemption is also accessible to members of the Workers’ Pension Fund (FPLD) and to forms of pension provision that replace and exclusive to compulsory general insurance
(AGO).
Redemption requirements
To request the accreditation of figurative contributions for maternity outside the employment relationship, it is necessary to have at least 5 years of actual contribution deriving from an employment activity. This requirement cannot be completed by combining the contribution credited during periods of employment with that paid
for self-employment.
How much is the maternity ransom
Redeeming maternity during or outside of an employment relationship is completely free. Unlike other types of contribution redemption, such as a degree redemption, no payment is required to obtain the accreditation of figurative contributions for maternity
.