{"id":60781,"date":"2024-11-22T17:01:32","date_gmt":"2024-11-22T16:01:32","guid":{"rendered":"https:\/\/www.fondapi.it\/pension-benefit-as-annuity\/"},"modified":"2025-11-11T08:59:40","modified_gmt":"2025-11-11T07:59:40","slug":"pension-benefit-as-annuity","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/en\/how-it-works\/employee-enrollment\/pension-fund-redemption\/pension-benefit-as-annuity\/","title":{"rendered":"Pension Benefit as Annuity"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"60781\" class=\"elementor elementor-60781 elementor-59840\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc035fc e-flex e-con-boxed e-con e-parent\" data-id=\"cc035fc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1a6d6903 e-flex e-con-boxed e-con e-child\" data-id=\"1a6d6903\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49813f0b elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"49813f0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-jet-breadcrumbs jet-blocks\">\n\t\t<div class=\"jet-breadcrumbs\">\n\t\t<div class=\"jet-breadcrumbs__content\">\n\t\t<div class=\"jet-breadcrumbs__wrap\"><div class=\"jet-breadcrumbs__item\"><a href=\"https:\/\/www.fondapi.it\/en\/\" class=\"jet-breadcrumbs__item-link is-home\" rel=\"home\" title=\"Home\">Home<\/a><\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a6db5b3 elementor-widget elementor-widget-html\" data-id=\"5a6db5b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<script>document.addEventListener(\"DOMContentLoaded\", function() {\n  var observer = new MutationObserver(function(mutations) {\n    mutations.forEach(function(mutation) {\n      var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n      if (link) {\n        link.addEventListener(\"click\", function(event) {\n          event.preventDefault();\n        });\n      }\n    });\n  });\n\n  observer.observe(document.body, { childList: true, subtree: true });\n\n  var link = document.querySelector(\".jet-breadcrumbs__item-link[title='Fondapi']\");\n  if (link) {\n    link.addEventListener(\"click\", function(event) {\n      event.preventDefault();\n    });\n  }\n});\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f399f24 e-flex e-con-boxed e-con e-child\" data-id=\"2f399f24\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ba9fd13 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"3ba9fd13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">PENSION FUND REDEMPTION<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3d122d e-flex e-con-boxed e-con e-parent\" data-id=\"3d122d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-66f21733 e-con-full e-flex e-con e-child\" data-id=\"66f21733\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43f95a50 elementor-widget elementor-widget-heading\" data-id=\"43f95a50\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">What is the pension benefit as annuity?<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f96af81 elementor-widget elementor-widget-text-editor\" data-id=\"3f96af81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The pension benefit as annuity is a form of supplementary pension paid out <strong>periodically for the entire lifetime of the member<\/strong>, once the right to the state pension has been accrued.<\/p><p>The amount of the annuity is calculated based on the capital accumulated by the member and their age at the time of retirement. This calculation is done by applying conversion coefficients that consider factors such as the demographic trends of the Italian population, and is differentiated based on the age and gender of the member. <br><br>In summary, a larger capital or an older age at retirement results in a higher annuity.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-25f6a107 e-con-full e-flex e-con e-child\" data-id=\"25f6a107\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55d17db3 elementor-widget elementor-widget-image\" data-id=\"55d17db3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1335\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa.webp\" class=\"attachment-full size-full wp-image-60782\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa.webp 1335w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa-684x1024.webp 684w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa-768x1151.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/pensione-integrativa-1025x1536.webp 1025w\" sizes=\"(max-width: 1335px) 100vw, 1335px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1bdc2312 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"1bdc2312\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-345bed14 e-flex e-con-boxed e-con e-parent\" data-id=\"345bed14\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2f84bb2b e-con-full e-flex e-con e-child\" data-id=\"2f84bb2b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3395f945 elementor-widget elementor-widget-image\" data-id=\"3395f945\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1333\" height=\"2000\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/familiare-carico.webp\" class=\"attachment-full size-full wp-image-60625\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/familiare-carico.webp 1333w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/familiare-carico-200x300.webp 200w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/familiare-carico-682x1024.webp 682w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/familiare-carico-768x1152.webp 768w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/familiare-carico-1024x1536.webp 1024w\" sizes=\"(max-width: 1333px) 100vw, 1333px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-189a7a2d e-con-full e-flex e-con e-child\" data-id=\"189a7a2d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c52cca8 elementor-widget elementor-widget-heading\" data-id=\"c52cca8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">When does one acquire the right to the <span style=\"color: #3997B9\">pension benefit as annuity<\/span>? <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-710c7d5d elementor-widget elementor-widget-text-editor\" data-id=\"710c7d5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>As already seen in the page related to the <span style=\"text-decoration: underline;\"><strong><a href=\"https:\/\/www.fondapi.it\/come-funziona\/adesione-lavoratori\/riscatto-fondo-pensione\/\">pension fund redemption<\/a><\/strong><\/span>, the right to the supplementary pension benefit (for simplicity, supplementary pension) is acquired once the requirements for accessing the mandatory pension have been met, with at least five years of participation in the supplementary pension system. <\/p><p>The member can choose to receive the pension benefit (supplementary pension):<\/p><ul><li><strong>entirely as an annuity<\/strong>, through the payment of the supplementary pension in various installments;<\/li><li><strong>partly as capital<\/strong> (up to a maximum of 50% of the accrued position) and partly as an annuity<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7996bda e-con-full e-flex e-con e-child\" data-id=\"7996bda\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b6f0d8 elementor-widget elementor-widget-text-editor\" data-id=\"4b6f0d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>ATTENTION!<\/strong><\/p><p>If, by converting at least 70% of the accrued individual position into an annuity, the amount of the supplementary pension is less than half of the INPS social allowance (you can check the updated value on the website <strong><a href=\"http:\/\/www.inps.it\"><span style=\"text-decoration: underline;\"><span style=\"color: #ffffff; text-decoration: underline;\">www.inps.it<\/span><\/span><\/a><\/strong><a href=\"http:\/\/www.inps.it\"><span style=\"color: #ffffff;\">)<\/span><\/a>, the member can choose to receive the entire benefit as capital.<\/p><p>For the purpose of determining the enrollment seniority necessary to obtain supplementary pension benefits, all periods of participation in supplementary pension schemes accrued by the member are considered useful, provided that the member has not exercised total redemption for those periods.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6622923b e-flex e-con-boxed e-con e-parent\" data-id=\"6622923b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7859f675 e-con-full e-flex e-con e-child\" data-id=\"7859f675\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-19efde16 elementor-widget elementor-widget-heading\" data-id=\"19efde16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What types of <span style=\"color: #3997B9\">pension benefit as annuity<\/span> does Fondapi offer<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e756838 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e756838\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">The pension benefit as annuity transforms the accumulated capital into periodic income, ensuring financial security during retirement.<\/p><p style=\"text-align: center;\">Since the needs of members can be very different, Fondapi allows you to choose from various options, designed to meet your priorities: higher income, protection for your loved ones, or support in case of needs such as loss of self-sufficiency.<\/p><p style=\"text-align: center;\">Choose the solution that best suits you!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-48af16a5 e-con-full e-flex e-con e-child\" data-id=\"48af16a5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-65181a6e e-con-full e-flex e-con e-child\" data-id=\"65181a6e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-5e58911 e-flex e-con-boxed e-con e-child\" data-id=\"5e58911\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ddfc215 elementor-widget elementor-widget-heading\" data-id=\"3ddfc215\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Immediate lifetime annuity<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35c5195b elementor-widget elementor-widget-text-editor\" data-id=\"35c5195b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The immediate lifetime annuity with revaluation and single premium guarantees the member a <b>periodic payment for life, ceasing upon their death.<\/b> <\/p><p>It is ideal for those who want to obtain <b>the highest possible amount<\/b> from the accumulated sum, <b>without<\/b> providing <b>protections<\/b> for survivors or additional coverage for themselves.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b7ee1ed e-con-full e-flex e-con e-child\" data-id=\"5b7ee1ed\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-5ee3e668 e-flex e-con-boxed e-con e-child\" data-id=\"5ee3e668\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12d22653 elementor-widget elementor-widget-heading\" data-id=\"12d22653\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Immediate lifetime annuity certain for 5 or 10 years<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e6f21bb elementor-widget elementor-widget-text-editor\" data-id=\"2e6f21bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The immediate lifetime annuity certain for 5 or 10 years <b>guarantees<\/b> a periodic payment to the member or their beneficiaries <b>for the first 5 or 10 years.<\/b> <\/p><p>If the member is still alive at the end of this period, the annuity continues for their entire life; otherwise, it ceases. It is ideal for those who want to <b>protect<\/b> their survivors for a <b>limited period<\/b>. The beneficiary can be changed even after payments have begun.  <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7d4c47f e-con-full e-flex e-con e-child\" data-id=\"7d4c47f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-6999019 e-con-full e-flex e-con e-child\" data-id=\"6999019\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-8907353 e-flex e-con-boxed e-con e-child\" data-id=\"8907353\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-417a474 elementor-widget elementor-widget-heading\" data-id=\"417a474\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Immediate lifetime annuity\nwith reversibility<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-16b731b elementor-widget elementor-widget-text-editor\" data-id=\"16b731b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The immediate lifetime annuity with reversibility guarantees a periodic <b>payment<\/b> to the member <b>for life<\/b>. Upon their death, the annuity passes to the <b>designated beneficiary<\/b> (reversionary), in full or in part, and ceases with the death of the latter. <b>It is ideal for those who want to ensure a source of income for a survivor.<\/b> Once payments have begun, <b>the beneficiary CANNOT be changed<\/b>. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5824981 e-con-full e-flex e-con e-child\" data-id=\"5824981\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-7449007 e-flex e-con-boxed e-con e-child\" data-id=\"7449007\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8c9f5a elementor-widget elementor-widget-heading\" data-id=\"f8c9f5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Immediate lifetime annuity with decreasing counter-insurance<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5f410d elementor-widget elementor-widget-text-editor\" data-id=\"e5f410d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The immediate lifetime annuity with counter-insurance guarantees a periodic payment to the member for life. Upon their death, the beneficiaries receive a capital sum, if the initially paid amount is greater than the total already paid out as an annuity.  <\/p><p><strong>It is ideal for those who want to ensure that survivors can receive the residual part of what has not been received in the form of an annuity.<\/strong><\/p><p>The beneficiary can be changed even after payments have begun.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b62d981 e-con-full e-flex e-con e-child\" data-id=\"b62d981\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-e25d756 e-con-full e-flex e-con e-child\" data-id=\"e25d756\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-4128722 e-flex e-con-boxed e-con e-child\" data-id=\"4128722\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fa466ab elementor-widget elementor-widget-heading\" data-id=\"fa466ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">LTC Annuity<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-323e051 elementor-widget elementor-widget-text-editor\" data-id=\"323e051\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The immediate lifetime annuity with increase in case of loss of self-sufficiency guarantees a periodic payment to the member for life. <\/p><p>If during the payout period the <b>member loses self-sufficiency<\/b>, the <b>amount<\/b> of the annuity <b>doubles<\/b>. The annuity ends with death and is available only for <b>members up to 70 years old<\/b>, subject to risk acceptance by the insurance company. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-70d0d37 e-con-full e-flex e-con e-child\" data-id=\"70d0d37\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-971877a e-flex e-con-boxed e-con e-child\" data-id=\"971877a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9458ea6 elementor-widget elementor-widget-heading\" data-id=\"9458ea6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Annuity simulator<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad229f3 elementor-widget elementor-widget-text-editor\" data-id=\"ad229f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Are you considering which annuity to choose for your future? <\/p><p>Use our <strong>annuity simulator<\/strong>: a simple and intuitive tool that helps you compare the different options available and find the one that best suits your needs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9907ba5 elementor-button-info elementor-widget elementor-widget-button\" data-id=\"9907ba5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/prestazioni.mefop.it\/assofondi2019\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">simulate your annuity<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-242adbcb e-flex e-con-boxed e-con e-parent\" data-id=\"242adbcb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6247817b e-con-full e-flex e-con e-child\" data-id=\"6247817b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30beefef elementor-widget elementor-widget-heading\" data-id=\"30beefef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Additional informative documentation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72175bc7 elementor-widget elementor-widget-text-editor\" data-id=\"72175bc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: left;\">The contractual documentation for annuities, available in the <em><strong>&#8220;Other documents and calculation engines&#8221;<\/strong><\/em> section of the website page <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.fondapi.it\/documenti-ufficiali\/#altri-documenti-motori\"><strong>&#8220;OFFICIAL DOCUMENTS&#8221;<\/strong><\/a><\/span>, to which we refer for any further details.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b13eb3e elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"3b13eb3e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4bf780b3 e-flex e-con-boxed e-con e-parent\" data-id=\"4bf780b3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-157989ed elementor-widget elementor-widget-heading\" data-id=\"157989ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Is retirement approaching?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-531c5955 elementor-widget elementor-widget-text-editor\" data-id=\"531c5955\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If you have <strong>less than 6 months until retirement<\/strong> and you want to be contacted by Fondapi for a <strong>personalized consultation<\/strong>, book it using the button below.<\/p><p>Or write an email to <span style=\"text-decoration: underline; color: #ffffff;\"><strong><a style=\"color: #ffffff; text-decoration: underline;\" href=\"mailto:pensione@fondapi.it\">pensione@fondapi.it<\/a><\/strong><\/span> indicating your name and your question: we will contact you as soon as possible!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-53739e22 e-flex e-con-boxed e-con e-child\" data-id=\"53739e22\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53074f4f elementor-widget elementor-widget-button\" data-id=\"53074f4f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/outlook.office365.com\/owa\/calendar\/Prenotazioni@fondapi.eu\/bookings\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Pension consultation<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home PENSION FUND REDEMPTION What is the pension benefit as annuity? The pension benefit as annuity is a form of supplementary pension paid out periodically for the entire lifetime of the member, once the right to the state pension has been accrued. The amount of the annuity is calculated based on the capital accumulated by [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":60878,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-60781","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Pension Benefit as Annuity - Fondapi<\/title>\n<meta name=\"description\" content=\"Discover the pension benefit as annuity to transform your capital into a supplementary pension.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fondapi.it\/en\/how-it-works\/employee-enrollment\/pension-fund-redemption\/pension-benefit-as-annuity\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pension Benefit as Annuity - 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