Overview
- Old-age eligibility increases by one month in 2027 to 67 years and 1 month, then by two more months in 2028 to 67 years and 3 months, with at least 20 years of contributions.
- Early-retirement contribution requirements rise to 42 years and 11 months for men and 41 years and 11 months for women in 2027, then to 43 years and 1 month and 42 years and 1 month in 2028.
- Workers in officially designated arduous or particularly burdensome jobs are excluded from the increases, covering roughly 2% of annual INPS pension liquidations.
- Quota 103 and Opzione Donna are not renewed and expire on December 31, 2025, closing the temporary early-exit routes.
- Ape Sociale remains in 2026 at 63 years and 5 months with 30–36 years of contributions and a €1,500 monthly cap, and the tax-free “bonus Giorgetti” refund for those who delay retirement is extended through 2026.