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The reform of severance pay

From December 31 was launched, together with the Budget, the reform of the TFR . Commonly known as "liquidation", the TFR (TFR) is an amount proportional to the work with the company "thank you" s job done. Its amount is calculated based on the salary effective: every year is set aside 1 / 12 of total net salary paid to the employee.
just launched the reform the worker can decide various modes of use of the TFR: let the company intended to INPS, or for a supplementary pension funds (private or managed by INPS). Leave the TFR in the company does not change the current situation: the employee at the time when you will retire to devote the full amount remaining.
must be said, incidentally, that in case of "silence" the sum will be allocated to INPS through the practice of "silence". More important is the way that the choice may not be revoked, at least in some cases. To treat a subject much debated and difficult to understand for the layman Il Sole 24 Ore has established a special argued with an expert who meets the questions posed in this context, I personally find answers to many questions that led me to call it a "colossal fraud .
Come to order: the choice is not revocable. It reads, in fact, that:

The choice of allocating the TFR to complementary pension funds (whether express or implied) is final. You may instead choose to leave the company in severance pay and then change their decision. link

Another situation is discussed in the case of death before receipt of the sum total: clearly not a supplementary pension the amount of severance pay runs out now: what happens in case of death before the balance due? You read in this response, rather twisted:

summarize the case studies contained in the question facing the following circumstances and consequences: a) death of the member to a supplementary pension plan before it became entitled to pension benefits. In this case, the position acquired is redeemed by the heirs or beneficiaries other prior designation by the member. Those designated may be natural or legal persons. In the absence of the subjects addressed above, the whole of the matured amount is: - go into social purposes, if the individual concerned is supplemental pension - the fund gained when the form is opened or made up of complementary forms of supplementary pension established by collective agreements and contracts, including corporate entities or by private law. b) death of the member who has the pension benefit. In this case, the survivor's pension will be paid to meneficiario indicated at the time of retirement, in addition, legfge provides the possibility to be regulated by the supplemental pension, the remaining column is provided to the recipients listed by the member or, to the same beneficiaries will be paid a pension on the basis of the remaining upright. The latter alternative is realized if any provision in the schemes for the provision of additional funds from individual annuities. c) death of the member at the time the accrual of entitlement to benefits had opted not to see each outstanding share capital in excess of 50%. In this case the fee charged will be decided and paid to the heirs or designated as in a). The remaining column will suffer the fate set out in point b). link

reform can be criticized at various points: from the abominable practice already mentioned the silent consent to reach the irreversibility of the choice made. I must say, though, that some parts are complete and include in full the possibilities that could come and create.
The biggest criticism is, unfortunately, in the partial and incomplete information that was given: a matter as important as this for the simple worker would have to be dealt with at different times, much longer, so that we can get to the fateful date no hurry and / or misinformation.
Marco Paperini