Build the casefile before the forecast.

1. Establish the record

Download or inspect the contribution statement from the relevant official system. For INPS, the statement groups contributions by scheme and shows periods, type, reported pay or income, employer references and notes. Flag a gap; do not silently fill it with an assumption.

2. Date the rule

Write down when you checked the rule and where. INPS currently states 67 for the standard old-age age requirement in 2026, generally alongside at least 20 years of contributions, but the official page also describes distinctions and exceptions. A single headline age cannot settle an individual case.

3. Separate the estimate from entitlement

An estimator helps you compare scenarios. It is not the award decision. INPS says its simulator uses age, work history and salary or income, can estimate the retirement date and amount, and can compare changes in pay or retirement timing.

4. Add every border

If you worked in more than one EU country, each country can calculate its own portion. The authority where you live or last worked normally coordinates the claim, while different legal retirement ages may mean portions start at different times. Your Europe recommends asking for information at least six months before retirement.

5. Keep supplementary pensions in a separate column

State pension rights and supplementary arrangements answer different questions. COVIP’s citizen guide introduces Italy’s supplementary pension forms and the information to consider before choosing. Compare official documents, costs, risk and access conditions; this site does not recommend a fund.