Who can retire with less than 4500 ensim

The path to receiving a pension by purchasing the required years of insurance for thousands of EFKA insured people who, having reached 67 years of age or more, did not have time to work 15 years and receive a pension, is “open”.

In particular, the following is provided:
1. Persons insured in social security institutions that have joined the e-EFKA funds and who have reached the age of 67 by December 31, 2022, can purchase up to 150 days of insurance (or 6 months) in order to establish the right to receive a full old-age/age pension in accordance with the current provisions of the pension legislation of the funds in which they are insured. Beneficiaries are also persons working in the public sector and having an employment relationship in accordance with public law who:

• By December 31, 2022, they were 67 years old.
• In total, they carried out actual insurance from 4350 to 4499 days, in combination with one or more former insurance funds that joined e-EFKA.
• They have ceased their work forever (they do not have the possibility of actual or additional insurance).
• They didn’t apply for retirement.
• They were not retired from any organization based abroad.
• They are not entitled to a pension for any reason under the legal provisions of organizations affiliated to e-EFKA or the provisions applicable to the State, the Bank of Greece or foreign insurance organizations.
• They do not have a conditional insurance period of more than 5 years.

The redemption of “ensim” is made through a one-time payment of insurance premiums corresponding to the “recognized insurance period”, based on the one in force at the time of filing the application.

It should be noted that in 2023 the daily wage is 34.18 euros and the relevant circular specifies that there are no discounts or other way of paying contributions (the entire amount must be paid without any additional benefits).

2. Persons insured for a period of not less than 500 working days or for 20 months within 5 years before the date of application for retirement may proceed to “optional extension of their insurance” for a period of up to 3 years from the date of application for retirement on retire.

For any additional questions, please contact the accounting office.

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