NASpI advance payment: no longer paid in full straight away
What’s changing for those wishing to start a business
In breve
Dal 2026, l’importo non viene più erogato interamente in un’unica soluzione, ma suddiviso in due rate:
70% inizialeThe rules for early payment of NASpI benefits are changing for those intending to start a self-employed business.
From 2026, the amount will no longer be paid in full as a single lump sum, but will be split into two instalments:
70% upfront
30% subsequently
Why it is important to be aware of the new rule
The change may result in:
- Less immediate liquidity for starting the business
- Greater control over the use of the incentive
- Need for more accurate financial planning
- Risk of losing the second instalment
Conditions for receiving the second instalment
Timing
What has changed compared to the past
Impact on those starting a business
Beneficiaries applying for the NASpI advance will receive:
- 70% of the total amount upon acceptance of the application
- The remaining 30% at the end of the period, and in any case within 6 months
Payment of the second instalment is subject to compliance with specific conditions:
- Not having entered into an employment relationship
- Not being in receipt of a direct pension (except for ordinary disability allowance)
Otherwise, the second instalment will not be paid.
The second instalment must be paid within a maximum of six months of the application.
This introduces a significant time-related factor into the administration of the benefit.
Previously, the NASpI advance was paid in a single lump sum.
Under the new rules:
- Payment is split into instalments
- The benefit is conditional upon continued eligibility
- The level of monitoring of the beneficiary has increased
✔ Initial financial resources
✔ Sustainability of the project in the first few months
✔ Risk of losing the second instalment
✔ Financial and tax planning
Addit supports workers in assessing the NASpI advance as a tool for self-employment.
We provide support with:
- Cost-benefit analysis
- Financial resource planning
- Verification of eligibility criteria for maintaining the benefit
Because starting a business is not just an entrepreneurial choice, but also a strategic decision that must be based on solid foundations.
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