Skema tal-Pensjoni tas-Sigurtà Soċjali ta' Malta (DSS)

Att dwar is-Sigurtà Soċjali (Kap. 318) Pensjoni ta' Żewġ Terzi u Koordinazzjoni tal-UE

Ir-reġim statutorju tal-pensjoni f'Malta huwa amministrat mid-Dipartiment tas-Sigurtà Soċjali (DSS). Il-benefiċċju ewlieni relatat mad-dħul huwa l-Pensjoni ta' Żewġ Terzi, ikkalkulata fuq il-medda tal-aħjar snin ta' kontribuzzjoni.

Evoluzzjoni Storika

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Statutory Parameters & Eligibility Criteria

Awtorità Kompetenti

Dipartiment tas-Sigurtà Soċjali (DSS)

Età tal-Irtirar Statutorja

65 sena (għal persuni mwielda fl-1962 jew wara)

Limitu Minimu ta' Assigurazzjoni

10 snin (520 ġimgħa ta' kontribuzzjonijiet)

Karriera Sħiħa Benchmark

40 sena (2,080 ġimgħa għall-koorti 1962+)

Dħul Massimu Pensjonabbli (2026)

EUR 28,300.00 / sena (limitu massimu MPE)

📐 Ir-Regola Statutorja tal-Pensjoni ta' Żewġ Terzi

Actuarial Law

Il-pensjoni massima teoretika tapplika frazzjoni ta' żewġ terzi (66.67%) fuq il-medja tad-dħul pensjonabbli limitat:

Pensjoni Sħiħa = 2/3 * Medja tad-Dħul Pensjonabbli (Limitata għal EUR 28,300) = Max EUR 18,866.67 / sena

⚖️ Regulation (EC) No 883/2004 Coordination

Taħt ir-Regolament (KE) Nru 883/2004, il-perjodi ta' assigurazzjoni fl-UE jingħaddu flimkien biex jintlaħqu l-520 ġimgħa minimi f'Malta qabel ma titħallas il-quota pro-rata Maltija.

💶 Fiscal & Healthcare Deductions in Retirement

Ebda tnaqqis ta' sigurtà soċjali (NI) fuq il-pensjonijiet. Tassazzjoni skont ir-rati standard ta' taxxa fuq id-dħul f'Malta b'rati preferenzjali disponibbli taħt il-Malta Retirement Programme.

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European Pension Comparison Hubs (2026)

Compare official statutory parameters, vesting thresholds, legal safety nets, and cross-border tax regimes across all 16 coordinated European jurisdictions under Regulation (EC) 883/2004:

🏛️ Statutory Age →

Retirement Age in Europe

Official statutory retirement ages, early pension pathways, and 2026 reform timelines across all EU/EEA member states and Switzerland.

Compare Retirement Ages → 16 / 16 States

⚖️ Social Safeguards →

Minimum Pension in Europe (2026)

Statutory minimum pension guarantees, contributory top-ups, and non-contributory solidarity allowances across 16 European states.

Verify Minimum Pensions → 16 / 16 States

💶 Pension Taxation →

Pension Taxation & DTTs

OECD Model Tax Convention rules (Arts. 18 & 19), 7% flat-tax expat regimes, source withholding, and double taxation avoidance in 16 states.

Compare Pension Taxes → 16 / 16 States

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Guide Bilaterali di Coordinamento Pensionistico

Se la tua carriera lavorativa è ripartita su più giurisdizioni, i periodi contributivi si coordinano secondo il Regolamento (CE) 883/2004 o convenzioni bilaterali:

Italy – Malta →

INPS & Department of Social Security (DSS) Coordination

Germany – Malta →

DRV & Department of Social Security (DSS) Coordination

Switzerland – Malta →

ZAS / AHV & Department of Social Security (DSS) Coordination

Austria – Malta →

PVA & Department of Social Security (DSS) Coordination

France – Malte →

CNAV / Agirc-Arrco & Department of Social Security (DSS) Coordination

Spain – Malta →

INSS & Department of Social Security (DSS) Coordination