Overview

• The minimum pension required for early exit has climbed from about €1,309 in 2022 to €1,616 in 2025 and is projected at €1,811 in 2030, with the multiplier raised from 2.8 to 3.0 times the social allowance and heading to 3.2.
• Cgil estimates the 2022–2030 increase alone demands an additional €128,354 in contributory montante, equivalent to roughly €388,953 in extra gross wages.
• Simulations indicate that after 40 years on the private‑sector average wage of €23,700, the estimated pension is €1,496 per month, below the 2030 threshold; at €20,000 it is €1,263 and at €8,000 it is €505.
• Using Tfr rarely closes the gap: one example shows a €186,405 montante plus €21,587 in Tfr reaching €207,992 against a €412,911 requirement, with early exit feasible only for high pay and long careers.
• Undersecretary Claudio Durigon is pushing automatic enrolment to complementary pensions with a six‑month opt‑out for new hires, as unions oppose tapping Tfr and cite low wages and unstable careers; Uil sees the enrolment idea as acceptable within broader negotiations favoring negotiated funds.