Who intends to join? contributing peace you have time to arrive December 31, 2025 to send your application toInps. This measure, which was reintroduced through the 2024 Budget Law and implemented by the Institute through circular no. 69 dated 29 May 2024, giving the opportunity to those mentioned pure contributor — that is, those who did not receive social security payments before January 1, 1996 — to fill contribution gaps and strengthen their retirement positions.
What is contributing peace
Contributing peace allows you to do so redeem up to five years a period not covered by contributions, even if not continuous, as long as it is after December 31, 1995 and before January 1, 2024. In practice, workers can “buy” years of contributions to increase the amount useful both for reaching pension requirements and for calculating the benefit amount.
This is a measure designed for those who, during their career, have experienced work interruptions – for example due to inactivity, training, travel or work difficulties – and wish to recover the periods not covered by the payment. However, it is not possible to make up for periods before the first job or covered by other social security payments, even if they are specified.
To whom is this addressed?
They can access peace that contributes to:
- who are registered with General Compulsory Insurance (AGO);
- adherents of alternate forms and their exclusive forms;
- independent workers registered with the special management of craftsmen and traders;
- registered with the INPS Separate Management.
This measure also applies to those who have benefited from the experiments introduced in the 2019-2021 three-year period, so that they can take advantage of the following five-year period.
How it works and how much it costs
Redemption fees are calculated using the “percentage” contribution method, applying the IVS (Disability, Old Age and Survivors) rates applicable in management’s reference to taxable income for the last 12 months.
It is possible to pay in one solution or in monthly installments of up to 120, without interest and in installments of no less than 30 euros. However, installment payments are not permitted if the redeemed contributions are used to immediately obtain a pension or to authorize voluntary payments.
A relevant aspect compared to the previous 2019-2021 version is the loss of the 50% tax deduction. However, the amount paid is fully deductible from overall income.
Application by the end of 2025
Requests must be submitted no later than December 31, 2025, exclusively electronically, via one of the following channels:
- INPS web portal (the “Exchange” section of the Service Portal for managing insurance positions);
- INPS Contact Center (toll-free number 803 164 from landlines, or 06 164164 from mobile phones);
- authorized associations and intermediaries;
- the employer, if he intends to submit the application on behalf of the employee, using form AP135.
In the latter case, the employer can allocate for redemption any production bonus, which will be deducted from business or self-employment income, without contributing to the formation of the employee’s employment income.
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