Doctors

Pensions: how to do it and who should reconcile Inps-Enpam contributions

You can apply, free of charge and on an exploratory basis, at any time during your working career as long as you are not already in receipt of a social security cheque

by Claudio Testuzza

12 February 2026

portrait of a Group of doctors smiling for the camera

3' min read

Translated by AI

Versione italiana

Key points

Contributions remained 'frozen' in the Inps
Reconciliation results in a single pension
The application for reunification can be explored
Applying costs nothing

3' min read

Translated by AI

Versione italiana

Many doctors with a university specialisation have silent contributions to the Inps Separate Management. This condition is widespread not only among specialised doctors but also among general practitioners. A recent analysis carried out by Enpam, in fact, reveals a peculiar fact: more than 14,000 general practitioners of the youngest cohorts (enrolled since 2003) are found to have paid contributions to the Inps Separate Account. This happens because many young general practitioners, in addition to their specific training diploma in general medicine, have obtained a university specialisation.

In fact, we would like to remind you that during the specialisation course (from the 2006/2007 academic year), it is compulsory to pay contributions, relating to remuneration (study grant) to the Inps Gestione Separata.

Specialising doctors, since 2006, pay or have paid up to 24% of their fellowships in the form of contributions to the Inps gestione separata for all the years of their specialisation course, despite being simultaneously registered with Enpam.

Contributions remained 'frozen' in the Inps

These funds remained 'frozen' in the public institute but can, at last, also be recovered. The recent opening of the Inps, after years of denials and litigation to which many doctors and dentists have been forced, is an invitation to seize the opportunity as soon as possible, taking full advantage of the most favourable regulatory and economic conditions. In fact, as of November 2025, contributions paid into the Inps Separate Management scheme can also be recombined with other public (Inps) or private (Casse Professionali/ Enpam) social security schemes, both incoming and outgoing.

This was announced last November by the Ministry of Labour in a communiqué on its institutional website. The Inps, until now, had never allowed this. The ministry explained that it will therefore be possible to reconcile contributions to the Inps Separate Account from other social security management schemes, or from the Inps Separate Account to other management schemes, including professional funds such as Enpam.

Reconciliation results in a single pension

Reconciliation allows one to 'physically' move contributions from one social security management to another, as if one had paid contributions into the receiving management from the outset.

It differs from accumulation and totalisation, which are other social security instruments whereby contributions are revalued for the purposes of entitlement to a pension (e.g. to meet the requirements for an early retirement pension in Inps), but remain unchanged for measurement purposes. That is, they continue to follow the rules of the social security management in which they are located, e.g. for their revaluation over time.

The main result of reconciliation is, in fact, to be able to have a single pension, paid by a single institution, with the rules and valuations of the latter.

The application for reunification may be exploratory

You can apply, at any time during your working career, provided you are not already a pensioner. Contributions can only be recombined on a management to which one is an active contributor.

Reconciliation, as required by law, is 'onerous' and is calculated using the mathematical reserve method. The cost of reconciliation increases as retirement age approaches because the mathematical reserve takes into account the age at the time of application, so it is generally better to apply as early as possible. The application for reconciliation to Enpam is of an 'exploratory' nature.

The Enpam will respond with a hypothesis, which makes it clear how much the future pension would increase, the possible positive effect on contribution seniority (also on other managements), and how much the operation would cost, assuming that an outlay is envisaged because in many cases the reconciliation could be free of charge. In fact, for the professional it may be at 'zero cost' if it is covered by contributions and other sums that one social security institution transfers to the other.

Applying costs nothing

Applying for reunification costs nothing. The advice is to proceed with the application, and then, when the answer is received and the advantages and disadvantages are considered, to decide whether to accept or not. Once the hypothesis has been received, the Enpam member will then have 60 days to assess the actual convenience and decide to proceed or not.

It should be remembered that, in the event of a refusal, a new application for reunification can be made to Enpam no earlier than 10 years later.

For those who have contributions before 2013, the cost advantage seems quite evident, from the first simulations carried out, but it could be mitigated or cancelled by the use of cumulation or totalisation at retirement.

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