{"id":60609,"date":"2025-04-07T13:06:39","date_gmt":"2025-04-07T11:06:39","guid":{"rendered":"https:\/\/www.fondapi.it\/fondo-de-garantia-inps-y-prevision-complementaria\/"},"modified":"2025-11-12T08:43:45","modified_gmt":"2025-11-12T07:43:45","slug":"fondo-de-garantia-inps-y-prevision-complementaria","status":"publish","type":"page","link":"https:\/\/www.fondapi.it\/es\/fondapi\/seguridad\/fondo-de-garantia-inps-y-prevision-complementaria\/","title":{"rendered":"Fondo de Garant\u00eda INPS y previsi\u00f3n complementaria"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"60609\" class=\"elementor elementor-60609 elementor-60236\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ffe4513 e-flex e-con-boxed e-con e-parent\" data-id=\"3ffe4513\" 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-646e5c63 e-flex e-con-boxed e-con e-child\" data-id=\"646e5c63\" 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-34941fd9 elementor-widget elementor-widget-jet-breadcrumbs\" data-id=\"34941fd9\" 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\/es\/\" class=\"jet-breadcrumbs__item-link is-home\" rel=\"home\" title=\"Inicio\">Inicio<\/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-50229b0 elementor-widget elementor-widget-html\" data-id=\"50229b0\" 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-780ff4c7 e-flex e-con-boxed e-con e-child\" data-id=\"780ff4c7\" 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-2daf1151 elementor-widget__width-auto elementor-widget elementor-widget-heading\" data-id=\"2daf1151\" 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\">Fondapi<\/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-298de2b2 e-flex e-con-boxed e-con e-parent\" data-id=\"298de2b2\" 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-e188ef8 e-con-full e-flex e-con e-child\" data-id=\"e188ef8\" 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-17af3569 elementor-widget elementor-widget-heading\" data-id=\"17af3569\" 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\"><strong>Protecci\u00f3n para los trabajadores en caso de omisiones contributivas<\/strong><\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-142c7434 elementor-widget elementor-widget-text-editor\" data-id=\"142c7434\" 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>El <strong data-start=\"307\" data-end=\"372\">Fondo de garant\u00eda de la posici\u00f3n de previsi\u00f3n complementaria<\/strong> es un instrumento establecido en el INPS que protege a los trabajadores inscritos en un fondo de pensiones, como <strong data-start=\"472\" data-end=\"483\">Fondapi<\/strong>, en caso de que su empleador <strong data-start=\"529\" data-end=\"543\">insolvente<\/strong> no abone las cotizaciones debidas.<\/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-4507def1 e-con-full e-flex e-con e-child\" data-id=\"4507def1\" 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-65fb2769 elementor-widget elementor-widget-image\" data-id=\"65fb2769\" 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=\"1444\" height=\"964\" src=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/deducibilita-1.webp\" class=\"attachment-full size-full wp-image-60610\" alt=\"\" srcset=\"https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/deducibilita-1.webp 1444w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/deducibilita-1-300x200.webp 300w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/deducibilita-1-1024x684.webp 1024w, https:\/\/www.fondapi.it\/wp-content\/uploads\/2024\/09\/deducibilita-1-768x513.webp 768w\" sizes=\"(max-width: 1444px) 100vw, 1444px\" \/>\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-1c75b55c elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"1c75b55c\" 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-32e677f7 e-flex e-con-boxed e-con e-parent\" data-id=\"32e677f7\" 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-31bbaa7f e-con-full e-flex e-con e-child\" data-id=\"31bbaa7f\" 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-45f15340 elementor-widget elementor-widget-image\" data-id=\"45f15340\" 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-60612\" 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-5630bb0d e-con-full e-flex e-con e-child\" data-id=\"5630bb0d\" 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-8b4d3da elementor-widget elementor-widget-heading\" data-id=\"8b4d3da\" 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\">\u00bfCu\u00e1ndo interviene el Fondo de garant\u00eda?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43d02759 elementor-widget elementor-widget-text-editor\" data-id=\"43d02759\" 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 class=\"\" data-start=\"626\" data-end=\"675\"><strong>Es posible solicitar la intervenci\u00f3n del Fondo si:<\/strong><\/p><ul><li data-start=\"679\" data-end=\"863\">El empleador est\u00e1 sujeto a <strong data-start=\"714\" data-end=\"739\">procedimientos concursales<\/strong> (p. ej., quiebra, convenio preventivo, liquidaci\u00f3n coactiva administrativa, administraci\u00f3n extraordinaria o controlada);<br><br><\/li><li data-start=\"679\" data-end=\"863\">Alternativamente, si el empleador <strong data-start=\"905\" data-end=\"940\">no est\u00e1 sujeto a tales procedimientos<\/strong>, es necesario <strong data-start=\"955\" data-end=\"1023\">acreditar la insolvencia mediante una causa judicial individual<\/strong>.<\/li><li style=\"list-style-type: none;\"> <\/li><\/ul>\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-cbed58a elementor-widget elementor-widget-text-editor\" data-id=\"cbed58a\" 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 class=\"\" data-start=\"626\" data-end=\"675\"><b>ATENCI\u00d3N<\/b><\/p><p data-start=\"626\" data-end=\"675\">El recurso al Fondo de Garant\u00eda solo es posible si el adherente sigue inscrito en Fondapi.<\/p><p data-start=\"626\" data-end=\"675\">Si el adherente rescatara y cerrara Fondapi antes de que el Fondo de garant\u00eda haya subsanado su posici\u00f3n, el mismo Fondo de garant\u00eda no proceder\u00e1 al abono de las cantidades correspondientes al adherente.<\/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-726e389a elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"726e389a\" 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-5797afdc e-flex e-con-boxed e-con e-parent\" data-id=\"5797afdc\" 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-72a36c3c e-con-full e-flex e-con e-child\" data-id=\"72a36c3c\" 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-146578d5 elementor-widget elementor-widget-heading\" data-id=\"146578d5\" 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\">\u00bfQui\u00e9n puede solicitar la intervenci\u00f3n del Fondo de Garant\u00eda INPS?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a5669fd elementor-widget elementor-widget-text-editor\" data-id=\"3a5669fd\" 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 class=\"\" data-start=\"1058\" data-end=\"1132\">La <strong data-start=\"1061\" data-end=\"1131\">solicitud solo puede ser presentada por el trabajador o sus herederos<\/strong>.<\/p><p class=\"\" data-start=\"1134\" data-end=\"1242\">Los <strong data-start=\"1136\" data-end=\"1154\">Fondos de pensiones<\/strong>, como Fondapi, <strong data-start=\"1170\" data-end=\"1220\">no pueden presentar directamente la solicitud<\/strong> al Fondo de garant\u00eda.<\/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-71ad8fa5 e-flex e-con-boxed e-con e-parent\" data-id=\"71ad8fa5\" 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-5a699710 e-con-full e-flex e-con e-child\" data-id=\"5a699710\" 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-7ce4992b elementor-widget elementor-widget-heading\" data-id=\"7ce4992b\" 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\">Requisitos para presentar la solicitud<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f0a6690 elementor-widget elementor-widget-text-editor\" data-id=\"4f0a6690\" 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 class=\"\" data-start=\"1281\" data-end=\"1332\">Para acceder al Fondo de garant\u00eda es necesario que:<\/p>\n<ul data-start=\"1334\" data-end=\"1580\">\n<li class=\"\" data-start=\"1334\" data-end=\"1420\">\n<p class=\"\" data-start=\"1336\" data-end=\"1420\">El trabajador <u>a\u00fan<\/u> est\u00e9 <strong data-start=\"1354\" data-end=\"1405\">inscrito en el fondo de previsi\u00f3n complementaria<\/strong> (p. ej., Fondapi);<\/p>\n<\/li>\n<li class=\"\" data-start=\"1421\" data-end=\"1461\">\n<p class=\"\" data-start=\"1423\" data-end=\"1461\">La <strong data-start=\"1426\" data-end=\"1460\">relaci\u00f3n laboral haya finalizado<\/strong>;<\/p>\n<\/li>\n<li class=\"\" data-start=\"1462\" data-end=\"1580\">\n<p class=\"\" data-start=\"1464\" data-end=\"1580\">La <strong data-start=\"1466\" data-end=\"1521\">omisi\u00f3n contributiva se acredite judicialmente<\/strong>, mediante procedimiento concursal o acreditaci\u00f3n individual.<\/p>\n<\/li>\n<\/ul>\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-1802ffba e-flex e-con-boxed e-con e-parent\" data-id=\"1802ffba\" 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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4589ec83 e-flex e-con-boxed e-con e-parent\" data-id=\"4589ec83\" 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-48db4cbb e-con-full e-flex e-con e-child\" data-id=\"48db4cbb\" 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-64524bf3 elementor-widget elementor-widget-heading\" data-id=\"64524bf3\" 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\">\u00bfQu\u00e9 contribuciones <span style=\"color: #3997B9\">est\u00e1n garantizadas<\/span> por el Fondo de garant\u00eda INPS?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7aaec4eb elementor-widget elementor-widget-text-editor\" data-id=\"7aaec4eb\" 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>En caso de empleado inscrito en la previsi\u00f3n complementaria, el Fondo de garant\u00eda INPS cubre:<\/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-4433bd1 elementor-widget elementor-widget-text-editor\" data-id=\"4433bd1\" 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><b>N.B.:<\/b><\/p><p class=\"\" data-start=\"1858\" data-end=\"1964\">Sobre estas cantidades, el INPS aplica una <strong data-start=\"1894\" data-end=\"1936\">revalorizaci\u00f3n an\u00e1loga a la del TFR<\/strong> prevista en el C\u00f3digo Civil.<\/p><p class=\"\" data-start=\"1966\" data-end=\"2076\">Las cantidades reconocidas se <strong data-start=\"1996\" data-end=\"2038\">abonan directamente al fondo de pensiones<\/strong> indicado en la solicitud (p. ej., Fondapi).<\/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-348b8ad elementor-widget elementor-widget-text-editor\" data-id=\"348b8ad\" 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><span style=\"color: var( --e-global-color-primary );\"><b>\u00bfQuiere saber m\u00e1s?<\/b><\/span><\/p><p class=\"\" data-start=\"2114\" data-end=\"2136\">Para m\u00e1s detalles, consulte:<\/p><ul data-start=\"2137\" data-end=\"2242\"><li class=\"\" data-start=\"2137\" data-end=\"2189\"><p class=\"\" data-start=\"2139\" data-end=\"2189\"><span style=\"text-decoration: underline;\"><a class=\"\" href=\"https:\/\/www.inps.it\/circolari\/Circolare%20numero%2023%20del%2022-2-2008.htm\" target=\"_new\" rel=\"noopener\" data-start=\"2139\" data-end=\"2187\">Circular INPS n. 23\/2008<\/a><\/span><\/p><\/li><li class=\"\" data-start=\"2190\" data-end=\"2242\"><p class=\"\" data-start=\"2192\" data-end=\"2242\"><span style=\"text-decoration: underline;\"><a class=\"\" href=\"https:\/\/www.inps.it\/bussola\/VisualizzaDoc.aspx?sVirtualURL=\/Messaggi\/Messaggio%20numero%202084%20del%2011-05-2016.htm&amp;iIDDalPortale=&amp;iIDLink=-1\" target=\"_new\" rel=\"noopener\" data-start=\"2192\" data-end=\"2242\">Mensaje INPS n. 2084\/2016<\/a><\/span><\/p><\/li><\/ul>\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-22e0afab e-con-full e-flex e-con e-child\" data-id=\"22e0afab\" 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-6413b769 e-con-full e-flex e-con e-child\" data-id=\"6413b769\" 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-5092452 e-flex e-con-boxed e-con e-child\" data-id=\"5092452\" 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-448d3b38 elementor-widget elementor-widget-heading\" data-id=\"448d3b38\" 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\">Contribuci\u00f3n de la empresa<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43e5adb elementor-widget elementor-widget-text-editor\" data-id=\"43e5adb\" 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>Las contribuciones que la empresa no abona se encuentran entre las contribuciones garantizadas por el Fondo de garant\u00eda INPS <\/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-36088e3 e-con-full e-flex e-con e-child\" data-id=\"36088e3\" 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-f3fe704 e-flex e-con-boxed e-con e-child\" data-id=\"f3fe704\" 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-6d2d244b elementor-widget elementor-widget-heading\" data-id=\"6d2d244b\" 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\">contribuci\u00f3n del adherente<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6602f95d elementor-widget elementor-widget-text-editor\" data-id=\"6602f95d\" 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><b>Todas<\/b> las contribuciones que han sido retenidas en la n\u00f3mina y no abonadas a Fondapi <strong>est\u00e1n garantizadas<\/strong> por el Fondo de garant\u00eda INPS<\/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-39f7238f e-con-full e-flex e-con e-child\" data-id=\"39f7238f\" 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-406e2605 e-flex e-con-boxed e-con e-child\" data-id=\"406e2605\" 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-74ad989f elementor-widget elementor-widget-heading\" data-id=\"74ad989f\" 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\">tratamiento de fin de relaci\u00f3n laboral<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22bf82d3 elementor-widget elementor-widget-text-editor\" data-id=\"22bf82d3\" 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>El <strong data-start=\"1794\" data-end=\"1841\">TFR destinado a la previsi\u00f3n complementaria<\/strong> y no abonado se encuentra entre las cantidades garantizadas por el Fondo de garant\u00eda INPS.<\/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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f869e96 elementor-hidden-mobile e-flex e-con-boxed e-con e-parent\" data-id=\"6f869e96\" 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\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Home Fondapi Protecci\u00f3n para los trabajadores en caso de omisiones contributivas El Fondo de garant\u00eda de la posici\u00f3n de previsi\u00f3n complementaria es un instrumento establecido en el INPS que protege a los trabajadores inscritos en un fondo de pensiones, como Fondapi, en caso de que su empleador insolvente no abone las cotizaciones debidas. \u00bfCu\u00e1ndo interviene [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":61126,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-60609","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is 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