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In Romania, individuals reaching retirement age without 15 years of work experience may face financial challenges. They can check their contribution periods with the National House of Public Pensions (CNPP) to identify any discrepancies. If they lack the required years, they can opt for a social insurance contract to cover gaps retroactively, though costs can be significant. Alternatively, they may apply for social assistance, such as the Minimum Income Inclusion (VMI), aimed at low-income individuals and families. Applications for VMI are submitted at local municipalities, requiring specific documentation to assess eligibility.