Nowadays it is quite normal on the final stop of the working path having made contributions to entities other than the one you started working for. It can also happen that in each management you have not reached the minimum length required to qualify for the pension annuity. Therefore, it is necessary to unify the payouts in the correct way. This can be done using three different methods:
Rejoining which has a significant cost but produces the highest pension of all;
Aggregation which does not cost anything but the pension is calculated with the contribution system which in most cases is unfavorable and losing a few months because of the application of the system of floating window;
Heap which costs nothing and is used to calculate the pension with the pay system which with the contributory can be mixed depending on the case.
Let’s focus on the last system with which you can sum the contributions paid as an employee or self-employed and in any management. To get the heap we must remember the following conditions:
It is not possible to combine the contributions to the coffers of professionals such as doctors and lawyers.
The periods of payment can not be coincident.
We must not already be in one of the management boards.
The periods are summed only if in each management is not achieved the right to independent pension.
With the heap one is also entitled to old-age, disability and survivor’s benefits but you cannot apply for early retirement or even disability.
The calculation is divided into pro-rate on the basis of contributions paid in each management and unified into a single payment.
The pension application must be sent to the last entity to which it is or has been enrolled and then contact the other. But it will be the INPS alone to add up the various allowances paid by the individual institutions and to pay a pension.