The pension for early workers, also called “Quota 41”, is a pension treatment provided on demand, intended for taxpayers who can claim 12 months of effective contribution before the age of 19 and who have accumulated at least 41 years of contributions paid by December 31, 2026. From January 1, 2027, this requirement will be reevaluated based on the increase in life expectancy, as confirmed in the 2024 Budget Law
.
Who is entitled to the Early Pension Quota 41
Only early workers who simultaneously meet the following specific conditions are entitled to a pension with 41 years of contributions:
- Be enrolled in Compulsory General Insurance (AGO) or in its replacement or exclusive forms.
- Have contribution seniority as of December 31, 1995.
- Have accrued 12 months of actual contribution before the 19th year of age.
- Complete 41 years of contribution by December 31, 2026.
Specific Requirements
To access early retirement, in addition to the conditions set out above, workers must meet at least one of the following requirements:
1. Unemployed: They must be unemployed following the termination of the employment relationship due to dismissal, resignation for just cause or consensual termination, with the termination of the unemployment benefit
for at least three months.
2. Disability greater than or equal to 74%: Disability ascertained by the competent medical commissions for the recognition of civil disability
.
3. Caregiver: Assistance, at the time of the request and for at least six months, to the spouse or to a cohabiting relative with a
serious disability.
4. Exhausting Activities: Having carried out particularly strenuous and heavy activities, as defined by Legislative Decree 21 April 2011, n. 67.
5. Heavy Work: Having been in heavy work for at least seven years in the last ten years or for six years in the last seven years
.
When Can Early Workers Retire
Workers who meet the requirements from 1 January 2019 onwards obtain the right to a pension three months after the requirements accrue, according to the provisions of the respective laws. For individuals enrolled in the former INPDAP funds, the treatment of ordinary early retirement starts after periods varying by months depending on the date of accrual of the requirements
.
How does the Quota 41 pension work for early workers
Early fee 41 is paid by the INPS, subject to an application for recognition of the requirements. For the purpose of calculating 41 years of contributory seniority, the contribution relating to the actual periods of work is valid. The contribution can also be cumulated between different mandatory pension funds
.
How Much Do You Lose With Early Retirement
The early workers pension with 41 years of contributions does not include a reduction in the check. The calculation is made based on the contributions paid, using a mixed system: remuneration for contributions up to December 31, 1995 and contributions for subsequent contributions.
How to Apply for Fee 41
The application for an early workers pension quota 41 can be submitted:
- On the INPS site by authenticating with SPID, CIE or CNS.
- By calling the INPS Contact Center.
- Through patronage bodies and intermediaries of the Institute.
Application Deadlines
The application must be submitted by November 30 of each year. Applications submitted later are considered only if there are remaining financial resources
.
