Bologna Inside - Second Edition

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The Italian pension system, INPS - Istituto Nazionale di Previdenza Sociale, is one of the most generous in Europe, but like many countries is unsustainable under the weight of an aging population. For this reason, some young people in Italy, especially foreigners, are considering the options for private pension policies available through most insurance companies. See ASSICURAZIONI in the yellow pages.

Your claim to INPS benefits is determined by your payments into the system. You are eligible for partial payment after 15 years of contributions and full pension after 35 years of contributions and meeting the minimum age requirement.If you are working, your contribution as an employee amounts to 10% and is deducted directly from your paycheck. Your employer then pays an additional 35%. If you are selfemployed, you must register with INPS and make your own contributions.With certain types of contracts, notably atipici ones, your employer will ask you to open up your own INPS position. This is a very simple procedure that involves going to your local INPS office with your original signed contract, permesso di soggiorno, passport and photocopies of each.

INPS - Istituto Nazionale di Previdenza Sociale

Provincial Headquarters
Via Gramsci, 6
Tel. 051.216111


Pensions in EU countries are based on a cumulative system and your accrued pension earned in any EU country will be calculated together to determine your benefits. Italy and the US have an agreement covering items such as social security taxes, retirement, disability and survivor’s insurance benefits. Italians and US citizens who acquire pension credits in either country can later decide to use them where they want. You acquire credits based on the residency status of your employer. Details vary depending on individual situations, see the website of the Social Security Administration:


Structured employees who cannot work due to illness or injury are eligible to receive 75%-100% of their pay for up to 180 days. If you are absent more than 180 days you are considered disabled. If your injury occurs in the workplace, you receive full pay during your absence. Permanent injury means that you will qualify for pension benefits.


The emphasis on family in Italy means that there are generous maternity and paternity benefits, but only if you have a structured employment contract. This is a subject of great concern among women in Italy who work under atipici contracts. Maternità (maternity leave) is five months at 80% pay with the option to extend the leave for an additional six months at reduced pay. Women (and men) may also take advantage of two hours a day for nursing leave. While maternity laws were created to support women and families, their practical application sometimes results in hiring discrimination, especially at higher levels.


Although notoriously difficult to be fired if you are a dipendente, if you are fired with just cause, you are entitled to state unemployment benefits. Whether you are fired or resign from a structured contract, you receive a TFR - trattamento di fine rapporto (severance pay). Your TFR is usually one month of pay for every year worked with the same employer. You may leave your job under any type of contract as long as you notify your employer in writing according to the terms outlined in your contract.