The pension scheme changes for 2023, from years of work, age, terms and conditions to benefit, here's everything you need to know

As has happened every other year since the reform of the scheme in 2014, the retirement age for women has increased by another 2 months, while another 4 months are added to the insurance portfolio. Thus, from the beginning of the month, all those who reach retirement age this year and who want to benefit from a full old-age pension, will have to have 38 years of contribution period from 37 years and 8 months that was a year ago. Social security expert Afroviti Dhuci explained more about the pension conditions for this year. "Certainly, the parametric changes that were made to the pension scheme in 2014 consisted of increasing the age and years of work for persons who were insured and employed. Currently, the conditions in 2023 have changed by increasing two months for each year for the beneficiaries women, and this year all female beneficiaries who were insured during their lifetime and were born between September 1, 1961 and June 30, 1962 retire. So all women who were born in this time period retire pension in 2023 at the age of 61 years and 8 months. The total insurance period to receive a full pension from the social insurance scheme is 38 years of work to receive a full pension. Even for those female beneficiaries who have not completed the general insurance period, 15 years of work is sufficient and with 15 years of work they enter the scheme to receive a pension from the social insurance scheme. So the minimum limit to receive a pension when they reach age is 15 years," said the expert invited to a television studio.

Retirement age

Likewise, for male beneficiaries, the retirement age will be over 38 years of work. "As for male beneficiaries, all those men who were born between January 1, 1958 and December 31, 1958 retire, that is, at the age of 65. The general insurance period for male beneficiaries is 38 years for those people who have worked over these years and over the retirement age can certainly have an addition on the old-age pension," she said further. 

How is the allowance calculated?

"It is a special article on the addition of years for all those persons who have completed 38 years of work in 2023, have worked beyond the age of 65 years or 61 years and 6 months after reaching the retirement age and have completed the period that I required in article 92 of the law for 38 years that is currently, they will receive an allowance for as many months as they continue and contribute to the social insurance scheme based on the contributions paid, for that many months," explained expert Afroviti Dhuci.

bUDGET

Duke parë situatën ekonomike, krizën e cila me shumë gjasa do vazhdojë edhe për këtë vit, Qeveria vendosi të marrë një sërë masash, të tilla si rritje pagash, indeksim për herë të dytë të pensioneve brenda një viti, që është hera e parë që ndodh, rritje të ndihmës ekonomike, apo rritje për herë të dytë të pagës minimale. Janë më shumë se 14 mijë persona që çdo vit mbushin moshën e daljes në pension. Formula e re përcakton një pension bazë dhe shtesën. Pensioni bazë është rreth 8800 lekë, ndërsa shtesa bazuar në formulën e llogaritjes së pensionit, është 1 për qind për çdo vit sigurimi, shumëzuar me bazën mesatare të vlerësueshme, që personat e siguruar kanë arritur nëpërmjet kontributeve të paguara. Baza e vlerësueshme është paga e përfituar pas indeksimit me koeficientet korresponduese të çdo viti. Për këtë vit janë 4.7 miliardë lekë ose rreth 45 milionë dollarë që do të ndahen, por pjesa më e madhe prej tyre, rreth 3.5 miliardë lekë, do të ndahen si shpërblim me rastin e festave të dhjetorit dhe vetëm 1.2 miliardë lekë ose rreth 10 milionë dollarë janë planifikuar për politika të reja pensionesh.