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The New Social Insurance for Employment (NASpi) is an unemployment benefit introduced by the Italian government in 2015. It aims to provide financial support to individuals who have lost their jobs involuntarily. However, understanding how the NASpi is calculated can be complex. In this article, we will delve into the details to give you a clearer understanding of how the calculation is done, using a hypothetical example.
The NASpi calculation involves two main factors: the individual’s previous income and the duration of their previous employment. Let’s consider the case of Anna, who worked as a software engineer before losing her job.
Step 1: Gathering Information
To calculate NASpi, Anna needs to collect some important information. She would need her payslips from the last four calendar quarters, which include her gross salary, social security contributions, and any additional income. In this example, Anna’s gross salary ranges from €2,500 to €3,000 per month during her previous employment.
Step 2: Determining the Earnings Base
To calculate the NASpi, it is necessary to determine the earnings base, which is the average monthly income earned during the last four quarters. To do this, Anna adds up her total earnings for the four quarters and divides it by 12.
Assuming Anna earned €30,000 over the last four quarters, her average monthly income would be calculated as follows:
€30,000 ÷ 12 = €2,500
Step 3: Calculating the Benefit Amount
The benefit amount is determined based on a percentage of the earnings base. For the first six months, NASpi pays 75% of the average monthly income. After the first six months, the benefit percentage is reduced to 60%.
In Anna’s case, she would be entitled to receive 75% of her average monthly income for the first six months:
€2,500 x 0.75 = €1,875
For the following six months, the benefit amount would be calculated as follows:
€2,500 x 0.60 = €1,500
Step 4: Determining the Maximum and Minimum Benefit Amounts
The NASpi also has maximum and minimum limits. The maximum amount is capped at €1,095 per month, while the minimum is set at €516 per month.
Anna’s benefit amount of €1,875 for the first six months would be adjusted to the maximum limit:
€1,875 > €1,095
As a result, Anna would receive the maximum benefit of €1,095 for the first six months. For the subsequent six months, her benefit amount of €1,500 would remain unchanged, as it falls below the maximum limit but exceeds the minimum limit.
Step 5: Duration of NASpi Eligibility
The duration of NASpi eligibility is determined by the total duration of the previous employment. For every year worked, an individual is entitled to receive NASpi for four months. In Anna’s case, assuming she worked for five years, she would be entitled to receive NASpi for 20 months.
In conclusion, the NASpi calculation takes into account the individual’s average monthly income during the previous employment, with the percentage of the benefit amount decreasing after the first six months. There are also maximum and minimum limits to consider, and the duration of NASpi eligibility depends on the total duration of the previous employment. By understanding how NASpi is calculated, individuals can better ascertain the financial support they qualify for during periods of unemployment.
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