Pension, how to apply for redemption of the « contributory holes »: up to 5 years of unpaid contributions can be recovered

For those with contributory holes, the redemption application can be submitted to INPS until 31 December 2025. The same pension institution in the in -depth dossier reminds him Vitalizia and contributory peace income.
The contributory peace 2024-2025 is a measure reserved for that audience of workers whose first contribution was paid starting from January 1, 1996. Thanks to the redemption of the periods of failure to contribute (the « contributory holes ») it is possible to fill the gaps for a maximum of 5 years (not necessarily consecutive).

The redeemed periods

Contributory peace is a completely voluntary measure and has the aim of safeguarding those who have achieved retirement age, but do not have minimum requirements for the advance or old age allowance.
As required by the Budget Law of December 2023, the periods between January 1, 1996 and January 1, 2024 can be redeemed, in whole or in part.

Excluding periods covered by any contribution

In order to be able to return to contributory peace, the period to be redeemed must not be covered by any type of mandatory, figurative, voluntary or redemption contribution, not only at the fund to which the application itself is directed, but also in any form of mandatory social security.

The redemption burden

The burden for redemption is determined with a percentage calculation, applying the contribution rate in force on the date of submission of the application. The basis for calculating the burden is the remuneration subject to contribution in the 12 months closest to the date of application, proportionally attributed to the redeemed periods. The redemption burden can be paid in a single solution or in a maximum of 120 monthly installments, each of an amount not less than 30 euros, without interest for installment. In cases in cases where redemption contributions are not possible for the immediate liquidation of a pension is not possible.

The process for the question

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3. Definition of the amount to be paid: the amount will be calculated on the basis of the criteria established by article 2, paragraphs 3, 4, 5 and by art. 4 of Legislative Decree 184 of 1997.
« In the event of an application submitted by the worker », explains INPS, « installments are provided to facilitate those who intend to redeem more years of contributions ». However, « for private management, the pensioner cannot request installment payment and retirement involves the forfeiture of the benefit of installment, with the obligation to pay the residual capital in a single solution ».

Maximum 120 installments

The redemption burden can be paid in a single solution or in a maximum of 120 monthly installments, each of an amount not less than 30 euros, without application of interest for installment. The installment is not possible in cases where redemption contributions must be used for the immediate liquidation of a direct or indirect pension or in the event that they are decisive for the acceptance of a request for authorization for voluntary payments.

Conditions for redemption and documentation required

For those who apply, there is an obligation to submit a certain documentation to redeem the years of unpaid contributions. The simple declaration of the worker, recalls inos, is not enough: concrete tests of the work carried out in black are necessary.
Among the sources of verification to certify the existence of the employment relationship are:
– payslips or contracts
– Workbook
– Certificates of the Employment Center
– company communications attesting the presence of the worker in the company.
To demonstrate the continuous and non -interrupted duration of the work performance, testimonies of former colleagues or employer may be presented.

How to apply

For the worker (or his survivors), the application can be submitted:
– online at INPS through the dedicated service
– by contacting the Contact Center at number 803 164 (free of fixed network) or 06 164164 (for a fee based on the tariff plan of the telephone provider, from the mobile network)
– addressing patronage and intermediaries of the Institute, who assist for free by law.