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Race to the mothers' bonus for 870,000 working women with at least two children

There is time until 9 December to apply to the Inps for aid of up to €480 for employees and self-employed women, to be paid in 2025

JenkoAtaman - stock.adobe.com

5' min read

Translated by AI
Versione italiana

5' min read

Translated by AI
Versione italiana

The race is on for the €480 bonus for 870,000 working mothers. There is one month, until 9 December, to apply for the aid through the Inps portal. According to the technical report to Decree Law 95/2025, which governed the application of the benefit for this year, the potential recipients are 695 thousand female employees (fixed-term or permanent) and approximately 175 thousand self-employed workers. On the other hand, 175,585 mothers of three or more children are recipients of the old decontribution: the latter, however, do not have to submit any application, because the benefit (up to EUR 3,000 per year) is recognised directly in the pay packet (for profiles, see the sheets on the page).

CHI DEVE FARE DOMANDA E CHI NO

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The requirements

In order to apply for the so-called bonus mamme, it is necessary to be an employee with a fixed-term or open-ended contract, or to be a self-employed, registered with compulsory social security schemes, including professional pension funds and the separate INPS management scheme. Workers in the domestic sector are excluded, by explicit legal provision: those counted by the Inps are a good 726,589 (with a clear prevalence of foreign women: workers of Italian nationality account for 31% of the sector).

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To claim the bonus, you must be a mother of two children, with the youngest under the age of 10, or three or more children, with the youngest under the age of 18. Finally, there is an economic requirement: the sum of employment income relevant for calculating 2025 taxes must not exceed 40,000 euro.

The question

The bonus for working mothers is worth 40 euros per month and is a sum of money that is not taxable for tax and social security purposes. The monthly payments due from January to November (for those who have worked the entire year), will be paid in a lump sum in December into the beneficiary's bank account, together with the amount for the last month of the year. As clarified by the Inps in Circular 139/2025 of 28 October, applications must be submitted to the institute electronically by 9 December for disbursement within the year. Female workers who meet the requirements after this date (for example, because their second child will be born between 9 and 31 December) may submit the application by 31 January 2026, and the bonus will be disbursed by February 2026.

To access the compilation (the service is already up and running on the Inps site) the worker must identify herself through Spid level 2, or electronic identity card, national services card or eIDAS. You can also contact the Inps contact centre or a patronage.

Bonus mamme: domanda entro il 9 dicembre per 870mila lavoratrici

The old decontribution

The monetary bonus of 40 euros per month (which will become 60 euros in 2026, according to the Budget Bill filed by the government in Parliament) has taken the place, for female workers with two children, of the contribution relief up to 3,000 euros per year that was applied in 2024 and is still provided for mothers of three children, until 31 December 2026. In fact, the decontribution (i.e. the relief from social security contributions for female workers) is 'frozen' until 2027, replaced by a one-off cash bonus.

"In order to have an effect on the birth rate and on female labour," explains Carolina Castagnetti, full professor of Political Economy at the University of Pavia and expert in gender economics, "we need to do some serious thinking looking at the medium to long term. It would be very useful to broaden the coverage of childhood education services in the territory, while nurseries are available for 13-15% of children in some southern regions, and to incentivise companies to set up company crèches. That is, structural interventions are needed, not one-off monetary disbursements. Moreover,' he adds, 'the decontribution, which is worth much more in economic terms than the so-called bonus mamme, had been announced for all female workers even in 2025, but was postponed. Moreover,' he concludes, '20 per cent of women leave their jobs after the birth of their first child, while this aid is aimed at those who already have two or three children'.

Who should apply and who should not

Women who are mothers of two children

1) Open-ended

Monetary bonus 

Unlike working mothers with three or more children, mothers of two children (with the youngest up to 10 years of age) who are permanent employees (including apprentices) do not qualify for the decontribution, as they did last year, but must apply for the new monetary bonus up to 480 euro. Unlike last year, then, there is an income limit for access, which is set at 40,000 euro annually.

2) Temporary hires

Contract months

Female workers who are mothers of two children (with the youngest aged up to 10 years) with a fixed-term employment contract are entitled to a bonus of €40 per month for each month or fraction of a month of the employment relationship, provided that their annual income does not exceed €40,000. Also covered by the bonus are intermittent employment relationships and temporary employment relationships.

3) Autonomous

Months of activity

Female professionals and self-employed workers registered with professional funds, with other compulsory autonomous social security funds, or with the Inps separate management fund, with two children (the youngest under 10 years of age), and a self-employment income in 2025 of up to EUR 40,000, can apply for the bonus. The bonus is due for the months of enrolment in the relevant fund or fund in 2025. For those enrolled in the Inps separate management scheme, it is due for the months of activity in 2025.

Women who are mothers of three or more children

1) Indefinite time

No questions

Working mothers of three or more children (with the youngest under the age of 18) do not have to apply for the mothers' bonus. For 2025 and until 31 December 2026, they are in fact entitled to the relief of social security contributions borne by them, up to EUR 3,000 per year, provided for by Law 213/2023 (Article 1, paragraph 180). There are no income limits. It is the employer who avoids the levy of contributions, directly in the pay envelope.

2) Temporary hires

They must apply 

Mothers of three or more children (with the youngest under the age of 18) are entitled to the bonus for working mothers of EUR 40 per month for each month or fraction of a month of the employment relationship, provided their annual income does not exceed EUR 40,000. The transformation of the relationship into a permanent one in 2025 moves the beneficiary from the monetary bonus to the decontribution provided for stable female workers.

3) Autonomous

They must apply

As for self-employed women who are mothers of two children, the mothers' bonus is envisaged in 2025 for female professionals enrolled in professional funds or other mandatory autonomous social security schemes, or in the separate Inps management scheme, with three children (the youngest up to the age of 18), and a self-employment income in 2025 of up to 40,000 euros. The bonus is due for the months of enrolment in the relevant fund or fund in 2025.

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