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Withdrawing from the National Institute of Social Security (INSS) became a bit more difficult after the approval of the Pension Reform, which took effect in November last year. This is because the rules for granting the benefit are stricter.
The reform establishes a Minimum age so that the insured has the right to retirement, 62 years (women) and 65 years (men). In addition, the benefit for trading time also ceased to exist.
However, those who were already in the labor market can retire without meeting this requirement, as long as they fall within one of the transition rules: retirement by age, points, 50% toll and 100% toll. Learn about each of the rules and see which is the best option for you.
Retirement by age
The minimum retirement age for men remains the same. That is, they continue to retire at age 65, as long as they have been contributing to the INSS for 15 years.
Women, on the other hand, will have to work harder to retire under the minimum age rule. Before retirement, it was possible to request the benefit at age 60, in addition to the 15 years of contributions. Now, as a general rule, you need to have 62 years.
Women who were already in the labor market can opt for the transition rule. In this case, the minimum retirement age increases six months a year. In 2020, for example, it is necessary to be 60 years and six months, in addition to 15 years of contributions.
Points retirement
This type of retirement takes into account the sum of the age and the contribution time for the granting of the benefit. In 2020, the insured who reaches 87 points (women) and 97 (men) may request retirement. However, it is necessary to have the minimum contribution time: 30 years (women) and 35 (men).
It is worth mentioning that the minimum score also increases year after year. In 2021, for example, women will need 88 points and men 98 points to be eligible for retirement. The increase occurs annually until reaching 100/105 for women and men, respectively.
Toll 50%
This rule is aimed at men and women who were two years away from retirement when the reform came into force. In this case, the insured must work 50% of the remaining time to access the benefit.
In practice, if a woman had 29 years of contributions on the date of entry into force of the new regulations, she would have to work for 30 years and six months to qualify for retirement. In the case of the man who completed 34 years of contribution as of November 2019, it will be necessary to contribute for 35 years and six months to receive the benefit.
100% toll
Any insured person, regardless of their age or contribution period, can request this type of retirement. However, you will have to work twice as hard to retire before the Pension Reform under the old contribution time rules.
It is worth mentioning that this rule is valid for beneficiaries who were six months from completing the minimum contribution period.
Minimum age
This type of retirement is valid for all workers who are in the labor market and who reach the minimum contribution period this year: 30 years (women), 35 years (men).
Women who wish to apply for the benefit in 2020 must be 56 years and six months by December, and in the case of men, 61 years and six months. It should be noted that the age increases six months each year, reaching 62 years (women) and 65 years (men).
Also read: INSS: Find out how to achieve a 25% increase in retirement
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