Marco da Caserta
Sono un lavoratore dipendente di 28 anni e vorrei dei chiarimenti sul riscatto di laurea agevolato. Ho conseguito la laurea in Veterinaria la cui durata legale del corso di studi è pari a 5 anni. L’Enpav, l’Ente Nazionale di Previdenza ed assistenza dei Veterinari, al quale risulto iscritto, prevede costi di riscatto molto elevati. Da circa 3 anni sono iscritto anche al fondo lavoratori dipendenti INPS in quanto presto la mia attività lavorativa per un’azienda privata. A quanto ammonterebbe l’importo del riscatto agevolato? Potrei portare in detrazione l’importo del riscatto in fase di dichiarazione dei redditi? Grazie dell’aiuto
Buongiorno Marco,
il riscatto della laurea è un istituto che permette di valorizzare ai fini pensionistici il periodo del proprio corso di studi.
Il Riscatto della Laurea Agevolato consente di riscattare i periodi universitari non coperti da contribuzione in maniera meno onerosa rispetto al regime ordinario al fine di aumentare il montante contributivo per la pensione.
L’importo del riscatto della Laurea Agevolato corrisponde a circa 5.200 euro l’anno. Per un Corso di Laurea della durata di 5 anni l’importo da corrispondere all’istituto previdenziale ammonterebbe a circa 26 mila euro. Tale importo è detraibile fiscalmente al 50% e può essere dilazionato anche per un massimo di 120 rate (10 anni) senza interessi. La domanda può essere presentata esclusivamente per via telematica attraverso il portale Inps attraverso l’ausilio di un ente di Patronato.
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