Pension, reconciliation or accumulation of private and public contributions

Question. In 2028 I will be 67 years old and will retire in old age. For about 30 years I have been paying contributions as an employee in the private sector, and two years ago I became a civil servant. I was told that the contributions of the two sectors - private and public - cannot be combined and that those of the public sector will be lost, so I will take my pension based only on the contributions paid as a worker in the private sector. Is this really the case?

Answer. It is believed that the information provided in the question is not correct, as a worker who has paid contributions to the Workers' Fund managed by the Inps, as a private employee, and to the Inps-Gestioni dipendenti pubblici (formerly Inpdap) Fund, as a public employee, can request the combination of contributions paid to the two schemes either through the institution of reconciliation (Law No 29/1979), which is free of charge, or through the institution of cumulation (Law No 228/2012), which is free of charge, excluding totalisation, which is also free of charge, since, unlike cumulation, it provides for a switch to the contribution system. In the first case, the contributions paid in the two social security managements are centralised in a single management, whereby the contributions are materially transferred to a single fund, making it possible to have a single pension, which would be calculated in the manner provided by the centralising management. In the second case, the pension would be calculated by each pension management concerned, in relation to the periods of membership accrued and according to its own applicable pension rules (pro rata system).

The question is taken from the insert L'Esperto risponde on newsstands with Il Sole 24 Ore of Monday 25 March.

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