Regional old age pension - housewives' pension

It is a voluntary regional insurance for housewives for the constitution of a regional old age pension, intended for people who cannot benefit from a pension from other social security institutions due to the lack of social security contributions.

The Trentino-South Tyrol Region has provided for a minimum period of 15 years of voluntary insurance membership and the payment of at least 15 and a maximum of 18 years of social security contributions.

The possibility of joining the regional insurance was definitively closed on 22 February 2005.

Pension Characteristics

Depending on the insurance plan chosen during enrolment and a particular mathematical calculation, the amount of the pension for the year 2025 deriving from the contributions paid varies from a minimum of 520.50 euros gross to a maximum of 624.60 euros gross per month for thirteen months.

In the event of the death of the beneficiary, the pension is not reversible.

From 1 January 2025 it is no longer possible to apply for the supplement to the minimum regional old age pension. Those who were receiving the supplement on 31 December 2024 continue to receive it at the same rate as on that date.

The pension is not subject to automatic equalisation rules as of 1 January 2025, so the pension calculated on the effective date or in payment on 31 December 2024 is kept constant over time.

The pension is subject to the taxation in force for each benefit year.

The contribution is established annually by resolution of the Regional Council; the amount for the year 2025 has been set at EUR 1,686.00. For families with medium-low incomes, however, there is a percentage reduction of this amount of up to 50%.

Those who have taken care of children up to the age of 15 or incapacitated family members who are not otherwise employed are credited a notional contribution up to a maximum of 3 years (possibly deducted from the minimum 15 years of social security contributions if explicitly requested by the insured person).

Those who have contributions from other funds, which are not usable because they are not sufficient for a pension, may credit them through redemption up to a maximum of 5 years. Redemption is onerous, must be paid in the year of retirement and a share of the amount is borne by the Trentino-South Tyrol Region.

Given the incompatibility of the regional pension with other direct pensions, all those who were not insured with other funds as employees or self-employed could register.

On the other hand, those who already had a direct pension could not join.

It is possible at any time to stop paying contributions and renounce the regional pension, obtaining a refund of 80% of the amount paid.

In the event of the premature death of the insured person, 100% of the revalued contributions paid will be refunded to the spouse or children.

The pension for housewives presupposes that the person enrolled in the insurance voluntarily chooses to carry out directly, habitually and predominantly the activity of housewife, within their household (organisation and running of family life, care and education of children or minors in the household, care and support of dependent family members).

This requirement must be maintained throughout the duration of the insurance.

At the date of registration, the housewife must meet the following requirements

• to have been a registered resident in the Trentino-South Tyrol region for at least three years continuously, or to be married to a person who has been a registered resident in the region for three years continuously;
• not be enrolled in a compulsory social security system as a result of self-employment or employment, with the exclusion of persons enrolled in the separate INPS (National Social Security Institution) (those who carry out continuous coordinated collaborations, professional services, etc.)
• do not hold a direct pension paid by Italian or foreign social security institutions (the spouse's survivor pension and other non-contributory pensions are indirect pensions).

An application for a pension can only be submitted by an insured person who meets the requirements of age (65 years of age), years of insurance seniority (at least 15 years of membership) and years of social security contributions (minimum 15 and maximum 18 years).

The fact of not holding a direct pension from other Italian or foreign social security institutions must be maintained throughout the duration of the regional old age pension benefit.

The pension application is sent by the Provincial Agency for Supplementary Assistance and Welfare directly to the insured person's residential address once the contribution plan is completed.

Together with the pension application, the following are sent

• the application form for tax deductions,
• the request for payment of the redemption of contributions paid to other funds or social security bodies to be made by bank transfer before submitting the pension application (only for those who have requested this opportunity at the time of enrolment).

By the deadline communicated by the Provincial Agency for Supplementary Assistance and Welfare, the insured person must submit the pension application together with a copy of a valid identity card and other attachments by

• e-mail to apapi.pensionecasalinghe@pec.provincia.tn.it (the PEC box receives messages also from non-certified e-mail boxes).
• delivered to the offices of the Provincial Agency for Supplementary Assistance and Welfare, on the 5th floor of the Top Center - Tower B in Via Zambra 42, Trento, by appointment to be arranged in advance by calling 0461-493255 or 0461-493256 from 9 a.m. to 12 noon,
• delivered to the provincial offices for public information,
• delivered to any office of the Patronage Institute of your choice
• sent by simple letter or registered mail.

The application for a pension complete with, among other things, the IBAN details of a bank or bancoposta account in the name of the insured person (or co-owned) for crediting the pension, must be submitted together with

• the 'tax deduction' form,
• the copy of a valid identity document
• the copy of the bank transfer for the redemption payment (for those who requested this benefit during enrolment),
• and the signed privacy policy (if not already submitted previously).

In the MODULISTICS section below you will find all the updated documentation concerning the regional old-age pension, including the application forms for outstanding instalments.

An application for a pension must be submitted by the age of 65 or by the theoretical effective date of the pension.

The pensioner will be notified of the act granting the pension by registered letter.

Thereafter, the pension will be paid by the tenth day of even months (one month in advance and one in arrears) by crediting a bank or bancoposta account in the name of/co-owned by the pensioner.

The Provincial Agency for Supplementary Assistance and Welfare will be responsible for sending the Single Certification of Regional Old Age Pension by the ministerial deadline.

The pensioner will have to communicate important variations which may affect the payment of the regional old age pension such as three frequent situations

1) BANK FUSIONES - it is necessary to communicate in writing the new method of payment (new IBAN),

2) IN CASE OF VEDOVANCY - the benefit of a second survivor's pension must be communicated, thus requiring

• the new bank account,
• submit a new declaration on the benefit of tax deductions in order to avoid major tax adjustments at the end of the year,
• check whether the second survivor's pension is supplemented to the minimum treatment by INPS, as the same benefit cannot be claimed on both pensions.

3) TRANSFER OUT OF THE MUNICIPALITY OR REGION - Timely communication is needed for the application of municipal and regional irpef surcharges.