The Common Ministerial Decision 32270/2024 (Government Gazette B' 2915/23-05-2024) was published, according to which the eligibility conditions for the payment of a pension to insured persons of the e-EFKA with debts up to €30,000 or €10,000 for debts to the former Agricultural Insurance Organization (formerly OGA). The same Common Ministerial Decision also defines the process of affiliation, cross-checking, the required controls, and the technical details.

Which are the conditions for being subject to the regulation?

1. debts to the e-EFKA not to exceed the €30,000 or to the OGA not to exceed the €10,000.
2. to have reached the age of 67 or, if he has an insurance period of at least 40 years, the age of 62,
3. to have paid the contributions corresponding to an insurance period of at least 20 years or 6,000 days of insurance regardless of the former institution awarding the pension, and
4. his bank deposits do not exceed €12,000 or the amount of €6,000, if he is a debtor exclusively to fr. OGA.

What should debtors do?

The affiliation application is submitted together with the retirement application. After the submission of the affiliation application, e-EFKA checks whether the debts of the insured exceed the limits that have been set. If the debts do not exceed this amount, the pension decision is issued, and the pension is paid

If the controls show that the conditions for being included in the regulation are met, then:

1. If the total amount of debts exceeds €20,000 but not €30,000 or €6,000 but not €10,000 for the OGA, then the application is accepted and e-EFKA proceeds to issue the pension act.
2. If the total amount of debts exceeds €30,000, or €10,000 for the OGA, then a debt document is notified for the insured to pay the excess of €30,000 or €10,000 for the OGA, within two months of notification of and to be subject to regulation.

As long as the conditions are met, e-EFKA proceeds with the issuance of the pension act and the payment of the pension. In particular, the excess of €20,000 or €6,000 for the former OGA, debt amount, is set off with 60% of the monthly amount of pensions paid, until it is zero.

The monthly offset excess amount cannot be less than €333.33 in general and €100 for the OGA. Otherwise, the withholding rate is adjusted accordingly.

What is provided for pending retirement applications?

Retirement applications that have been submitted before the entry into force of Law 5078/2023 and are pending at any stage of the administrative process can be subject to the arrangements upon request of the insured.

Retirement applications submitted after the entry into force of Law 5078/2023 and pending at any stage of the administrative process can also be subject to the regulations.

If the retirement application has already been rejected due to debts, it is required to resubmit it in order to be subject to the regulations.