Among the innovations of the last 18 months, for supplementary pensions, there has been a change in how to join the Pension Fund Expect - Supplementary Pension Fund for Employees of industrial enterprises and Artisan Construction and Affini-.
The opportunity to join the Pension Fund, not confer the TFR, It was introduced with a statutory change, approved by Covip (Supervisory Commission on Pension Funds) in September last year.
The TFR to the Pension Fund can be made at any time after accession, by written request to their employer (for this purpose the provided forms prepared by the Pension Fund).
Operatively was introduced in the application for membership option C (contributory option only contribution from the company and the employee).
After the changes to the public pension just been approved by the Government, with the beginning of the new year, all the players involved on the matter will return to reason supplementary pension (Government, companies, unions, etc.).
That Predict, It can be a good example, for a comprehensive amendment of 'membership of employees to pension funds.
So they do become the pension funds of the real "social security Coin Banks", finalized the accumulation of money for post-working age, leaving intact the TFR - as governed by Article. 2120 the Civil Code - available to the Companies (during daily activities, what form of "financing" of the same) and Workers (at the end of the working period and / or termination of the same) with the setting as it pours the Worker, both versa, your back, the employer.
After all, the aim of the worker participating in the supplementary pension is to increase the final pillar to supplement the state pension, Therefore, it is irrelevant from where the contributions in the accumulation phase, as well as viable is the proposal that comes from many quarters (Ania primarily) to eliminate the irreversibility of the choice of membership to pension funds.
So then, whether the reasons which led the Covip to accept the amendment to the statutes of Expect, was that of the frequent change of the worker's company, the same motivation can be worth, at a time of great flexibility of labor contracts, also for the rest of the private Italian workers.
It will be up to each individual worker take responsibility in this regard, possibly, for future generations, after you have received since the compulsory school, a good education to savings and consumption.
Alex Gaetani
Main, on the grounds which make the savings aimed at the age of retirement, I recommend reading these books: