{"id":2674,"date":"2025-10-22T08:24:00","date_gmt":"2025-10-22T06:24:00","guid":{"rendered":"https:\/\/studiolombardolarosi.it\/?p=2674"},"modified":"2025-11-05T15:01:59","modified_gmt":"2025-11-05T14:01:59","slug":"isee-2025-calculation-with-disabled-family-members-whats-new-and-how-to-legally-lower-your-isee","status":"publish","type":"post","link":"https:\/\/studiolombardolarosi.it\/en\/2025\/10\/22\/isee-2025-calculation-with-disabled-family-members-whats-new-and-how-to-legally-lower-your-isee\/","title":{"rendered":"ISEE 2025 Calculation with Disabled Family Members: What\u2019s New and How to Legally Lower Your ISEE"},"content":{"rendered":"\n<p class=\"has-black-color has-text-color has-link-color wp-elements-5e42ed9102e0ac3889efb81f37ef1b68 wp-block-paragraph\">The<strong> ISEE 2025 calculation with disabled <strong>famil<\/strong>y<\/strong> <strong>members<\/strong> introduces significant changes starting this year, potentially allowing many Italian families to access previously unavailable financial benefits. Among the most notable updates are the exclusion of certain investments from the patrimony for ISEE purposes and new benefits for households with disabled individuals. These changes are not automatic: they must be explicitly requested by submitting a new DSU (Dichiarazione Sostitutiva Unica, or Single Substitute Declaration).<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-bc393c0476a45f6a3b9096ab5c118132 wp-block-paragraph\">In this comprehensive guide, we explain in a simple and practical way what has changed, who can benefit from these updates, and what steps to take to obtain a more favorable ISEE 2025 calculation, especially for families with<strong> disabled members<\/strong>. Additionally, you\u2019ll find a table with key deadlines to follow and information on how our firm can assist you step by step. <\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block has-black-color has-text-color has-link-color wp-elements-f4a582ed7f7abf93aa3780429f118ce4\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#cose-l-isee-e-a-cosa-serve\">What is the ISEE and What is it Used For?<\/a><\/li><li><a href=\"#novita-isee-2025-esclusione-di-investimenti-e-vantaggi-per-famiglie-con-disabili\">ISEE 2025 Updates: Exclusion of Investments and Benefits for Families with Disabled Members\n<\/a><\/li><li><a href=\"#famiglie-con-persone-disabili-piu-vantaggi-e-maggiorazioni-nella-scala-di-equivalenza\">Additional Benefits for Families with Disabled Members<\/a><\/li><li><a href=\"#come-viene-calcolato-l-isee-2025\">How is the ISEE 2025 Calculated?\n<\/a><\/li><li><a href=\"#gli-isee-gia-emessi-non-verranno-aggiornati-automaticamente\">Existing ISEE Certificates Will Not Be Automatically Updated\n<\/a><\/li><li><a href=\"#tabella-riepilogativa-cosa-fare-e-quando\">Summary Table: What to Do and When\n<\/a><\/li><li><a href=\"#serve-aiuto-con-il-tuo-isee-possiamo-farlo-noi-per-te\">Need Help with Your ISEE? We Can Handle It for You!\n <\/a><\/li><li><a href=\"#perche-serve-un-professionista-per-l-isee\">Why You Need a Professional for the ISEE\n<\/a><\/li><li><a href=\"#contattaci-siamo-a-tua-disposizione\">Contact Us: We\u2019re Here to Help<\/a><\/li><li><a href=\"#approfondimento-perche-il-calcolo-isee-2025-con-disabili-in-famiglia-e-cosi-importante\">Expanded Section: Why the ISEE 2025 Calculation with Disabled Family Members is Crucial<\/a><\/li><li><a href=\"#quali-bonus-si-possono-ottenere-con-un-isee-piu-basso\">Which Bonuses Can You Access with a Lower ISEE?\n<\/a><\/li><li><a href=\"#cosa-succede-se-non-aggiorni-l-isee\">What Happens If You Don\u2019t Update Your ISEE?\n<\/a><\/li><li><a href=\"#perche-presentare-una-nuova-dsu\">Why Submit a New DSU?\n<\/a><\/li><li><a href=\"#documenti-necessari-per-il-calcolo-isee-2025-con-disabili-in-famiglia\">Documents Required for the ISEE 2025 Calculation with Disabled Family Members\n<\/a><\/li><li><a href=\"#calcolo-isee-2025-con-disabili-in-famiglia-casi-pratici\">ISEE 2025 Calculation with Disabled Family Members: Practical Examples\n<\/a><ul><li><a href=\"#caso-1-famiglia-con-un-figlio-disabile-e-30-000-\u20ac-in-buoni-fruttiferi-postali\">Case 1 \u2013 Family with a Disabled Child and \u20ac30,000 in Postal Savings Bonds<\/a><\/li><li><a href=\"#caso-2-coppia-con-anziano-non-autosufficiente-e-btp-da-45-000-\u20ac\">Case 2 \u2013 Couple with a Non-Self-Sufficient Elderly Member and \u20ac45,000 in BTPs<\/a><\/li><\/ul><\/li><li><a href=\"#affidati-a-esperti-in-italia-la-normativa-e-piu-complessa\">Rely on Experts: Italian Regulations Are Complex<\/a><\/li><li><a href=\"#ultimi-consigli-utili-per-il-calcolo-isee-2025-con-disabili-in-famiglia\">Final Tips for the ISEE 2025 Calculation with Disabled Family Members<\/a><\/li><li><a href=\"#riepilogo-finale\">Final Summary<\/a><\/li><li><a href=\"#il-nostro-studio-ti-segue-in-ogni-fase\">Our Studio Supports You Every Step of the Way<\/a><\/li><li><a href=\"#richiedi-una-consulenza-gratuita-e-senza-impegno\">Request a free, no-obligation consultation<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-a2287fd69d8aca736112c409261ecc18\" id=\"cose-l-isee-e-a-cosa-serve\"><strong>What is the ISEE and What is it Used For?<\/strong><\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-006f365e36033e2a57a4ba8e464ffb3c wp-block-paragraph\">The ISEE (Indicatore della Situazione Economica Equivalente, or Equivalent Economic Situation Indicator) is a document used to assess a family\u2019s economic situation. It is a parameter employed by the government and local authorities to determine eligibility for benefits, bonuses, and subsidized social services. The calculation considers income, assets, and family composition.  <\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-e7d7a85df75cc7a41249c1633554cea8 wp-block-paragraph\">For the specific case of the <strong>ISEE 2025 calculation with disabled family members<\/strong>, the government\u2019s new provisions allow families to legally lower their ISEE and access discounts and bonuses that were previously out of reach, such as the universal allowance, childcare bonuses, university fee reductions, healthcare exemptions, and more.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-508c5d42dc2ef2db0e771333680c2eb1\" id=\"novita-isee-2025-esclusione-di-investimenti-e-vantaggi-per-famiglie-con-disabili\"><strong>ISEE 2025 Updates: Exclusion of Investments and Benefits for Families with Disabled Members<br><\/strong><\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-caba03c0ea5f26f4e92165c9efb38d5c wp-block-paragraph\">With the new decree approved by the government, starting in 2025, certain types of investments can be excluded from the<strong> ISEE calculation<\/strong>, but <strong>only upon explicit request:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list has-black-color has-text-color has-link-color wp-elements-9e61d90013c9e9dcd5c2b316f7f31c98\">\n<li>Italian government bonds (e.g., BTP, BOT)<\/li>\n\n\n\n<li>Postal savings bonds<\/li>\n\n\n\n<li>Postal savings accounts<\/li>\n\n\n\n<li>State-guaranteed financial products** up to a maximum of <strong>\u20ac50,000<\/strong> per family member<\/li>\n<\/ul>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-bcc72bf47c6e26bb859dfc3e6ed94396 wp-block-paragraph\">These instruments, if properly declared and explicitly excluded, will n<strong>o longer be counted in the movable assets<\/strong>, thus helping to<strong> lower the ISEE.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-54592e53940bba1cd3b62d1107fe2b69\" id=\"famiglie-con-persone-disabili-piu-vantaggi-e-maggiorazioni-nella-scala-di-equivalenza\"><strong>Additional Benefits for Families with Disabled Members<\/strong><\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-71239711bc4513176822ccc9cf6fafd0 wp-block-paragraph\">The decree introduces specific <strong>advantages for the ISEE 2025 calculation with disabled family members:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list has-black-color has-text-color has-link-color wp-elements-6c3439d4dfe67aa2d74bf0897019d454\">\n<li><strong>Exclusion of welfare benefits<\/strong> (e.g., disability allowances, invalidity pensions) from income, if received due to disability.<\/li>\n\n\n\n<li><strong>Non-inclusion of debit cards<\/strong> loaded by public entities for the benefit of the disabled person.<\/li>\n\n\n\n<li><strong>Increase in the equivalence scale<\/strong> by +<strong>0.5 points<\/strong> for each family member with a medium, severe, or non-self-sufficient disability.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-61327912d2d4056d981229c052781123 wp-block-paragraph\">These changes make the ISEE calculation fairer for <strong>families with disabilities<\/strong>, acknowledging the higher expenses and economic challenges they face daily.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-b7f9698efee09d36cf41bd45eea9998d\" id=\"come-viene-calcolato-l-isee-2025\"><strong>How is the ISEE 2025 Calculated?<br><\/strong><\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-64925a36f84e3e845909d8f1b3960220 wp-block-paragraph\">The<strong> ISEE 2025 calculation<\/strong> is <strong>based on 2023 income and assets<\/strong>. Specifically, it considers: <\/p>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/06\/pexels-assistant2-1024x683.jpg\" alt=\"calcolo ISEE 2025 con disabili in famiglia\n\" class=\"wp-image-849 size-full\" srcset=\"https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/06\/pexels-assistant2-1024x683.jpg 1024w, https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/06\/pexels-assistant2-300x200.jpg 300w, https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/06\/pexels-assistant2-768x512.jpg 768w, https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/06\/pexels-assistant2.jpg 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<ul class=\"wp-block-list has-black-color has-text-color has-link-color wp-elements-d8cf091cd637546924546bab089d3f4c\">\n<li>Income earned in 2023<\/li>\n\n\n\n<li>Account balances and average balances as of December 31, 2023<\/li>\n\n\n\n<li>Family composition at the time of the request (2025)<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-90348cb0506c3dd73c6d997be2c688d7 wp-block-paragraph\">This means that, even though the new rules are effective now, <strong>you must update your DSU to take advantage of the new benefits.<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-ca1082ef6a2c091bbe112c79a9be720b\" id=\"gli-isee-gia-emessi-non-verranno-aggiornati-automaticamente\"><strong>Existing ISEE Certificates Will Not Be Automatically Updated<br><\/strong><\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-f5957c553cb4d9325a0362b8d8d72010 wp-block-paragraph\">If you already obtained an ISEE 2025 <strong>before the new decree took effect,<\/strong> the value is likely higher because it <strong>includes investments<\/strong> that can now be excluded. It\u2019s important to know that: <\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-56986d586df9734c28c357a656025902 wp-block-paragraph\">\u2757 <strong>The ISEE will not be updated automatically.<\/strong><\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-3873e5284ddb2b9bb8d6173b5aab40b6 wp-block-paragraph\">To benefit from the new rules, <strong>you must submit a new DSU, <\/strong>correctly updating the asset information and requesting the exclusion of eligible investments.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-5b13699963ab94ddd41e4027c6cc5ebe\" id=\"tabella-riepilogativa-cosa-fare-e-quando\"><strong>Summary Table: What to Do and When<br><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-black-color has-text-color has-link-color has-fixed-layout\"><tbody><tr><td><strong>Date<\/strong><\/td><td><strong>What to Do<\/strong><\/td><\/tr><tr><td>January 2025<\/td><td>Start of the year, you can submit a new DSU with 2023 data.<\/td><\/tr><tr><td>After decree publication<\/td><td>Check the Official Gazette for the effective entry into force of the new rules.<\/td><\/tr><tr><td>From effective date<\/td><td>Submit a new DSU to update the ISEE with the new exclusions.<\/td><\/tr><tr><td>By December 2025<\/td><td>Use the updated ISEE to apply for state bonuses and benefits.<\/td><\/tr><tr><td>All year round<\/td><td>Contact our firm for support in correctly calculating the ISEE 2025.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-1ed61d58126d28a4e17ba920ac40919f\" id=\"serve-aiuto-con-il-tuo-isee-possiamo-farlo-noi-per-te\"><strong>Need Help with Your ISEE? We Can Handle It for You!<br> <\/strong><\/h2>\n\n\n\n<blockquote class=\"wp-block-quote has-black-color has-text-color has-link-color wp-elements-d3d54e6a92f1e51b778c7dcf9f7625c9 is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-396f377a39cf960e6b4348bdf5007389 wp-block-paragraph\"><strong>Lombardo Larosi Studio <\/strong>is available to assist you with the ISEE 2025 calculation for families with disabled members, checking all documents, completing the DSU, and correctly applying all the new exclusions provided by law.<\/p>\n<\/blockquote>\n\n\n\n<blockquote class=\"wp-block-quote has-black-color has-text-color has-link-color wp-elements-644b9904810b8a3e5fb49951a067d6cd is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-894ca8838fad6ff2cf34d87d2bff53f5 wp-block-paragraph\">\ud83d\udc49 <strong>If you have a disabled person in your family<\/strong>, we can provide professional and personalized assistance to ensure an accurate and updated ISEE, avoiding errors that could cause you to miss out on important bonuses.<\/p>\n<\/blockquote>\n\n\n\n<blockquote class=\"wp-block-quote has-black-color has-text-color has-link-color wp-elements-9c9edb28879647a30c6ef890e62b9706 is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-74bef08a6751b034bc1edec51ceb6c21 wp-block-paragraph\">\ud83d\udcbc <strong>We take care of everything<\/strong>: document collection, DSU completion, eligibility verification, and application submission.<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-16ca82b7e5e9f2e11c46d829431fbfb2\" id=\"perche-serve-un-professionista-per-l-isee\"><strong>Why You Need a Professional for the ISEE<br><\/strong><\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-e85716501974253fd1beb634263f306e wp-block-paragraph\">Italian ISEE regulations are <strong>far more complex than in other European countries<\/strong>. The rules change frequently and require technical interpretation to be applied correctly. <br> <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"427\" src=\"https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/06\/contabilita-19-small.jpg\" alt=\"ISEE 2025 Calculation with Disabled Family Members<br&gt;\n\" class=\"wp-image-1143\" srcset=\"https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/06\/contabilita-19-small.jpg 640w, https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/06\/contabilita-19-small-300x200.jpg 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><figcaption class=\"wp-element-caption\">ISEE 2025 Calculation with Disabled Family Members<br><\/figcaption><\/figure>\n\n\n\n<p class=\"has-black-color has-secondary-background-color has-text-color has-background has-link-color wp-elements-84f89e3c397439c765e94796d0207e96 wp-block-paragraph\">At <strong>Lombardo Larosi Studio<\/strong>, we offer professional support to:<\/p>\n\n\n\n<ul class=\"wp-block-list has-black-color has-text-color has-link-color wp-elements-68f6724b8a2a17abf667dd38dca4182e\">\n<li>Protect you from errors that could lead to penalties or revocations<\/li>\n\n\n\n<li>Ensure access to all available benefits<\/li>\n\n\n\n<li>Provide clear, personalized, and timely advice<br><\/li>\n<\/ul>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-4fdc73533efaecc22c8f0eba2b2bcc21 wp-block-paragraph\">Relying on specialized <a href=\"https:\/\/www.agenziaentrate.gov.it\/portale\/\" data-type=\"link\" data-id=\"https:\/\/www.agenziaentrate.gov.it\/portale\/\" target=\"_blank\" rel=\"noopener\">tax<\/a> consultants or lawyers is more necessary than ever in 2025 to avoid missteps, especially with the new changes.<br><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-3b5596c65666a12195d526868402be20\" id=\"contattaci-siamo-a-tua-disposizione\"><strong><a href=\"https:\/\/studiolombardolarosi.it\/en\/contact-us\/\" data-type=\"page\" data-id=\"2491\">Contact Us<\/a>: We\u2019re Here to Help<\/strong><\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-648f352880aad5cf22ba2a58a9274cde wp-block-paragraph\">Do you need assistance with the<strong> ISEE 2025 calculation for families with disabled members? <\/strong>Want to know if you qualify for the new benefits? <\/p>\n\n\n\n<p class=\"has-secondary-color has-primary-background-color has-text-color has-background has-link-color wp-elements-95ee474584bcd8d54bba673da75a0120 wp-block-paragraph\">\ud83d\udce9 <strong>Email us at: lombardolarosi@gmail.com<\/strong><strong> <\/strong> <br>\ud83d\udcde Contact us for a personalized, no-obligation consultation. <br>\ud83d\udccd We operate throughout Italy, including remotely.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-73b50ee32bcc5e9a5d95cbe1f24be648\" id=\"approfondimento-perche-il-calcolo-isee-2025-con-disabili-in-famiglia-e-cosi-importante\"><strong>Expanded Section: Why the ISEE 2025 Calculation with Disabled Family Members is Crucial<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-3a88641f wp-block-group-is-layout-flex\">\n<p class=\"has-black-color has-text-color has-link-color wp-elements-f3fab730ff272853db2bde7cfacf08f0 wp-block-paragraph\">In today\u2019s economic climate, with rising living costs, accessing public <strong>bonuses and support<\/strong> is vital for many Italian families. The <strong>ISEE 2025 calculation for families with disabled members <\/strong>plays a strategic role in securing access to additional financial resources and protecting the rights of those facing daily challenges due to disability. <\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-62b0fe6a3804852e9c6ac0a50f60d694 wp-block-paragraph\">This isn\u2019t just about gaining a few extra euros\u2014it\u2019s about accessing a network of <strong>economic and social support<\/strong> designed for those dealing with disability-related challenges. That\u2019s why it\u2019s critical to calculate the ISEE accurately, in line with the latest regulatory changes. <\/p>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-f402ef72b7ca2059add92acc209042f7\" id=\"quali-bonus-si-possono-ottenere-con-un-isee-piu-basso\"><strong>Which Bonuses Can You Access with a Lower ISEE?<br><\/strong><\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-08423c9f27182f7276d70640fe36d90e wp-block-paragraph\">The primary goal of the <strong>ISEE 2025 calculation for families with disabled members<\/strong> is to enable access to a range of subsidized benefits that <strong>depend directly<\/strong> on the ISEE value. Here are the main bonuses available: <\/p>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/06\/Incorporation-services-in-italy-company-srl-form-2-1024x683.jpg\" alt=\"calcolo ISEE 2025 con disabili in famiglia\n\" class=\"wp-image-1045 size-full\" srcset=\"https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/06\/Incorporation-services-in-italy-company-srl-form-2-1024x683.jpg 1024w, https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/06\/Incorporation-services-in-italy-company-srl-form-2-300x200.jpg 300w, https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/06\/Incorporation-services-in-italy-company-srl-form-2-768x512.jpg 768w, https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/06\/Incorporation-services-in-italy-company-srl-form-2.jpg 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<ul style=\"font-size:14px\" class=\"wp-block-list has-black-color has-text-color has-link-color wp-elements-166df1e2ee8827dee209a24ac37e5980\">\n<li><strong>Universal Allowance:<\/strong> The monthly amount varies based on the ISEE; a lower ISEE unlocks the maximum amount.<\/li>\n\n\n\n<li><strong>Childcare Bonus:<\/strong> Reimbursements up to \u20ac3,000 per year for nursery fees, available for those with an ISEE below \u20ac25,000.<\/li>\n\n\n\n<li><strong>Utility Bonuses (Electricity, Gas, Water):<\/strong> Automatic bill discounts for those with an ISEE under \u20ac9,530 (or \u20ac20,000 for large families).<\/li>\n\n\n\n<li><strong>University Fee Reductions<\/strong>: Discounts or full exemptions from university fees.<\/li>\n\n\n\n<li><strong>Healthcare Exemptions: <\/strong>No-cost tickets for medical visits and medications if the ISEE is below certain thresholds.<\/li>\n\n\n\n<li><strong>Disability Contributions:<\/strong> Home services, transportation, aids, and autonomy support.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-c3675c9e187665bea4f9fa084ec44ee4 wp-block-paragraph\"><em>This is why an accurate and updated ISEE 2025 calculation can make a s<strong>ignificant difference for the entire family.<\/strong><\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-592e88fbce6f31a2028262e36dac7da4\" id=\"cosa-succede-se-non-aggiorni-l-isee\"><strong>What Happens If You Don\u2019t Update Your ISEE?<br><\/strong><\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-a802a541305b82365b4f11999f8802f6 wp-block-paragraph\">Many people assume that once an ISEE is issued, it remains valid without needing updates. This is not the case. If you fail to update your ISEE with the new rules, you risk:  <\/p>\n\n\n\n<ul class=\"wp-block-list has-black-color has-text-color has-link-color wp-elements-1f52e2e788e5d4c4907c62714a2cd7d2\">\n<li><strong>Paying more<\/strong> for services that could be free or discounted<\/li>\n\n\n\n<li><strong>Missing out on bonuses<\/strong> you\u2019re entitled to<\/li>\n\n\n\n<li><strong>Errors in calculations<\/strong> for the universal allowance or other benefits<\/li>\n<\/ul>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-85bbac98421841e663190c80fcf4c409 wp-block-paragraph\">For the <strong>ISEE 2025 calculation with disabled family member<\/strong>s, not updating could mean losing out on asset exclusions and <strong>disability-related financial benefits<\/strong>, potentially costing thousands of euros annually. <\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-c163594e1e24ecfbd818effdd1aac9a5\" id=\"perche-presentare-una-nuova-dsu\"><strong>Why Submit a New DSU?<br><\/strong><\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-5d8622bd2da4ace68e3c5c56a3d26084 wp-block-paragraph\">The DSU (Single Substitute Declaration) is the key document for obtaining the ISEE. Every major regulatory change, like those for 2025, <strong>requires submitting a new DSU.<\/strong> Only then can you apply the new rules allowing exclusions for:  <\/p>\n\n\n\n<ul class=\"wp-block-list has-black-color has-text-color has-link-color wp-elements-fa5023fc978099ad69ba522f8de9cdee\">\n<li>State-guaranteed investments up to \u20ac50,000<br><\/li>\n\n\n\n<li>Disability-related income<\/li>\n\n\n\n<li>Publicly funded debit cards for disabled individuals<\/li>\n<\/ul>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-32646bc59c60ad4e43b7d2304fa08476 wp-block-paragraph\">In the ISEE 2025 calculation for families with disabled members, updating the DSU is a <strong>mandatory step<\/strong> to avoid being excluded from essential benefits.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-6abb5f4ca26c5ed9e52e4933b4639570\" id=\"documenti-necessari-per-il-calcolo-isee-2025-con-disabili-in-famiglia\"><strong>Documents Required for the ISEE 2025 Calculation with Disabled Family Members<br><\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/06\/contabilita-06-1024x683.jpg\" alt=\"ISEE 2025 Calculation with Disabled Family Members<br&gt;\n\" class=\"wp-image-912\" srcset=\"https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/06\/contabilita-06-1024x683.jpg 1024w, https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/06\/contabilita-06-300x200.jpg 300w, https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/06\/contabilita-06-768x512.jpg 768w, https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/06\/contabilita-06.jpg 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">ISEE 2025 Calculation with Disabled Family Members<br><\/figcaption><\/figure>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-3a026f38488214cec988c66a0b4ccae1 wp-block-paragraph\">To correctly calculate the ISEE for 2025, you\u2019ll need the following documents:<br><\/p>\n\n\n\n<ol class=\"wp-block-list has-black-color has-text-color has-link-color wp-elements-4e400016a946b4c3f56b5ba79595f062\">\n<li><strong>Personal Documents:<\/strong> Tax code and ID for all family members.<\/li>\n\n\n\n<li><strong>2023 Income:<\/strong> CU, 730, tax returns, received allowances, pensions, etc.<\/li>\n\n\n\n<li><strong>Movable Assets:<\/strong> Account balances and average balances as of December 31, 2023 (bank accounts, deposits, savings accounts, etc.).<\/li>\n\n\n\n<li><strong>Real Estate Assets:<\/strong> Updated property records, outstanding mortgages.<\/li>\n\n\n\n<li><strong>Disability Certificates:<\/strong> To access exclusions and equivalence scale increases.<\/li>\n\n\n\n<li><strong>Government Bonds or Postal Savings<\/strong>: If you wish to request exclusions up to \u20ac50,000.<\/li>\n<\/ol>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-50579b663402dfd8a5f4636bfa6fd8e3 wp-block-paragraph\">Our studio assists you in collecting and verifying all these documents to avoid omissions or errors.<br><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-132b3e295aae8cb79a1d37286b4ff374\" id=\"calcolo-isee-2025-con-disabili-in-famiglia-casi-pratici\"><strong>ISEE 2025 Calculation with Disabled Family Members: Practical Examples<br><\/strong><\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-ca7450c9386b86754a9c65b8b3701385 wp-block-paragraph\">To better understand how it works, here are two real-life examples:<br><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-f7b45a8c9b2558fe5190444fafaae0c1\" id=\"caso-1-famiglia-con-un-figlio-disabile-e-30-000-\u20ac-in-buoni-fruttiferi-postali\"><strong><em>Case 1 \u2013 Family with a Disabled Child and \u20ac30,000 in Postal Savings Bonds<\/em><\/strong><\/h3>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-dc39c45eddd10e7697b451a3370fd7d7 wp-block-paragraph\">Previous Situation:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote has-black-color has-text-color has-link-color wp-elements-c018718762841ec8f16e78c032127bff is-layout-flow wp-block-quote-is-layout-flow\">\n<ul class=\"wp-block-list has-black-color has-text-color has-link-color wp-elements-4afe9d856402ccda3132c4b68152709d\">\n<li>ISEE = 21.000 \u20ac<\/li>\n\n\n\n<li>Reduced universal allowance<\/li>\n<\/ul>\n<\/blockquote>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-354c4843908d5dba11e2c49090af2200 wp-block-paragraph\">After New DSU:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote has-black-color has-text-color has-link-color wp-elements-d258da5cff3d85860320d12ff51204bb is-layout-flow wp-block-quote-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>\u20ac30,000 in bonds excluded<\/li>\n\n\n\n<li>Disability allowance excluded<\/li>\n\n\n\n<li>New ISEE = 14.000 \u20ac<\/li>\n\n\n\n<li>Increased universal allowance and access to childcare bonus<\/li>\n<\/ul>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-908c4bb40acf0cd2687f7d0fad764a0e\" id=\"caso-2-coppia-con-anziano-non-autosufficiente-e-btp-da-45-000-\u20ac\"><strong><em>Case 2 \u2013 Couple with a Non-Self-Sufficient Elderly Member and \u20ac45,000 in BTPs<\/em><\/strong><\/h3>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-dc39c45eddd10e7697b451a3370fd7d7 wp-block-paragraph\">Previous Situation:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote has-black-color has-text-color has-link-color wp-elements-f1e6fe80c0a55412013dc3b1d7778a63 is-layout-flow wp-block-quote-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>ISEE = 19.500 \u20ac<\/li>\n\n\n\n<li>No healthcare exemptions<\/li>\n<\/ul>\n<\/blockquote>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-354c4843908d5dba11e2c49090af2200 wp-block-paragraph\">After New DSU:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote has-black-color has-text-color has-link-color wp-elements-3fb15a1dfe94265fae3bab6c4647a09f is-layout-flow wp-block-quote-is-layout-flow\">\n<ul class=\"wp-block-list\">\n<li>\u20ac45,000 in investments excluded<\/li>\n\n\n\n<li>Equivalence scale increased for non-self-sufficiency<\/li>\n\n\n\n<li>New ISEE = \u20ac11,000<\/li>\n\n\n\n<li>Access to healthcare exemptions and utility bonuses<\/li>\n<\/ul>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-864f8af770dd830b9217950c49f61a0b\" id=\"affidati-a-esperti-in-italia-la-normativa-e-piu-complessa\"><strong>Rely on Experts: Italian Regulations Are Complex<\/strong><\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-628314cd8ba3a48d8bbcabc8102f9e20 wp-block-paragraph\">Unlike other countries,<strong> Italy\u2019s ISEE<\/strong>, disability, and bonus regulations are highly complex and subject to <strong>frequent changes.<\/strong> Even minor regulatory updates can significantly impact your ISEE calculation and available benefits. <\/p>\n\n\n\n<p class=\"has-black-color has-secondary-background-color has-text-color has-background has-link-color wp-elements-cab491c822678b25c9b7a233c0b95158 wp-block-paragraph\">At <strong>Lombardo Larosi Studio<\/strong>, we provide <strong>tax consultants and experts<\/strong> who can accurately interpret legal provisions. Our goals are to: <\/p>\n\n\n\n<ul class=\"wp-block-list has-black-color has-text-color has-link-color wp-elements-5cbcdd990a2be135b729f8611c3ce6f3\">\n<li>Protect you from errors and disputes with INPS or other entities<br><\/li>\n\n\n\n<li>Optimize your ISEE legally<\/li>\n\n\n\n<li>Ensure you access all available benefits<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-1421de23f5054a9c2cd60acbbdf84b50\" id=\"ultimi-consigli-utili-per-il-calcolo-isee-2025-con-disabili-in-famiglia\"><strong>Final Tips for the ISEE 2025 Calculation with Disabled Family Members<\/strong><\/h2>\n\n\n\n<p class=\"has-secondary-color has-primary-background-color has-text-color has-background has-link-color wp-elements-793042a489cbdaaf31c198201ca18a5a wp-block-paragraph\">Before concluding, here are some <strong>practical tips<\/strong> for those updating their ISEE in 2025:<\/p>\n\n\n\n<ul class=\"wp-block-list has-black-color has-text-color has-link-color wp-elements-542f1c1dcbf1e41861d2a91068f87cf7\">\n<li>Check if you hold government bonds or postal savings and request their exclusion.<\/li>\n\n\n\n<li>If there are disabled family members, bring updated disability certificates.<br><\/li>\n\n\n\n<li>Don\u2019t wait until December: the ISEE 2025 calculation can be useful year-round for bonuses.<br><\/li>\n\n\n\n<li>Keep all documentation: random checks may occur.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-16fd5b7ab28086908c28134e4dc43aec\" id=\"riepilogo-finale\"><strong>Final Summary<\/strong><\/h2>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-18c50564186a90907678ce01eaa123cc wp-block-paragraph\">The <strong>ISEE 2025 calculation for families with disabled members<\/strong> is a significant opportunity to improve access to social benefits, financial bonuses, and assistance services. With the new rules, many families can <strong>legally lower their ISEE<\/strong>, but only by submitting a new DSU with updated data and explicitly requesting exclusions. <\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-2d112fd616686af7ddb287bd47918448 wp-block-paragraph\">Rely on professionals to avoid errors, omissions, or financial losses.<br><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-black-color has-text-color has-link-color wp-elements-03752c51b165117e365e65037aae4742\" id=\"il-nostro-studio-ti-segue-in-ogni-fase\"><strong>Our Studio Supports You Every Step of the Way<\/strong><\/h2>\n\n\n\n<p class=\"has-secondary-color has-primary-background-color has-text-color has-background has-link-color wp-elements-d4f904b5d1cd4f60ea3b32a46e1ad21d wp-block-paragraph\"><strong>Lombardo Larosi Studio<\/strong> specializes in tax consultancy and assisting families seeking fiscal and social benefits. We offer: <\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-link-color wp-elements-d4f632173fd5fd98c2fea0a0b5ca643f wp-block-paragraph\">\u2705 Comprehensive support for the ISEE 2025 calculation with disabled family members <br>\u2705 Document review and personalized DSU preparation <br>\u2705 Advice on state and regional bonuses <br>\u2705 Nationwide support, including remotely<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-cover\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" class=\"wp-block-cover__image-background wp-image-744 size-large\" alt=\"calcolo ISEE 2025 con disabili in famiglia\n\" src=\"https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/02\/Studio-Lombardo-Larosi-Assistenza-Fiscale-Padova_4_WEB-1024x683.jpg\" data-object-fit=\"cover\" srcset=\"https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/02\/Studio-Lombardo-Larosi-Assistenza-Fiscale-Padova_4_WEB-1024x683.jpg 1024w, https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/02\/Studio-Lombardo-Larosi-Assistenza-Fiscale-Padova_4_WEB-300x200.jpg 300w, https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/02\/Studio-Lombardo-Larosi-Assistenza-Fiscale-Padova_4_WEB-768x512.jpg 768w, https:\/\/studiolombardolarosi.it\/wp-content\/uploads\/2025\/02\/Studio-Lombardo-Larosi-Assistenza-Fiscale-Padova_4_WEB.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><span aria-hidden=\"true\" class=\"wp-block-cover__background has-black-background-color has-background-dim-70 has-background-dim\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-eac02fd3 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-3a88641f wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-center accountra-animate accountra-move-up accountra-delay-1 has-third-color has-text-color\" id=\"richiedi-una-consulenza-gratuita-e-senza-impegno\" style=\"font-size:32px;font-style:normal;font-weight:500\">Request a free, no-obligation consultation<\/h2>\n\n\n\n<div class=\"wp-block-group accountra-animate accountra-move-up accountra-delay-3 has-third-color has-text-color is-layout-constrained wp-container-core-group-is-layout-33481bb0 wp-block-group-is-layout-constrained\" style=\"margin-bottom:30px\">\n<p class=\"has-text-align-center has-text-color has-tiny-font-size wp-block-paragraph\" style=\"font-style:normal;font-weight:300\"><strong>Contact us<\/strong> now for immediate assistance<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons accountra-animate accountra-move-up accountra-delay-5 is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-b29d4327 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-custombuttonfill  is-style-custombuttonone\"><a class=\"wp-block-button__link has-helvetica-arial-font-family has-tiny-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/studiolombardolarosi.it\/en\/contact-us\/\" style=\"border-radius:5px;padding-top:18px;padding-right:40px;padding-bottom:18px;padding-left:40px\">CONTACT US<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The ISEE 2025 calculation with disabled family members introduces significant changes starting this year, potentially allowing many Italian families to access previously unavailable financial benefits. Among the most notable updates are the exclusion of certain investments from the patrimony for ISEE purposes and new benefits for households with disabled individuals. These changes are not automatic: [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":303,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18,19],"tags":[341,342],"class_list":["post-2674","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-accounting","category-consulting","tag-isee-2025","tag-isee-2025-calculation-with-disabled-family-members"],"_links":{"self":[{"href":"https:\/\/studiolombardolarosi.it\/en\/wp-json\/wp\/v2\/posts\/2674","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/studiolombardolarosi.it\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/studiolombardolarosi.it\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/studiolombardolarosi.it\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/studiolombardolarosi.it\/en\/wp-json\/wp\/v2\/comments?post=2674"}],"version-history":[{"count":3,"href":"https:\/\/studiolombardolarosi.it\/en\/wp-json\/wp\/v2\/posts\/2674\/revisions"}],"predecessor-version":[{"id":2790,"href":"https:\/\/studiolombardolarosi.it\/en\/wp-json\/wp\/v2\/posts\/2674\/revisions\/2790"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/studiolombardolarosi.it\/en\/wp-json\/wp\/v2\/media\/303"}],"wp:attachment":[{"href":"https:\/\/studiolombardolarosi.it\/en\/wp-json\/wp\/v2\/media?parent=2674"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/studiolombardolarosi.it\/en\/wp-json\/wp\/v2\/categories?post=2674"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/studiolombardolarosi.it\/en\/wp-json\/wp\/v2\/tags?post=2674"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}