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The pension reform brought new rules regarding retirement, especially for those who are close to retirement. In this case, to avoid a greater impact on the taxpayer, the National Institute of Social Security (INSS) established the so-called transition rules.
In all the modalities, six months of contributions were added, valid until the end of this year. Remembering that those who requested retirement before the publication of the new reform in November 2019 are outside the new guidelines.
INSS transition rules
- Minimum retirement age
The progressive minimum age is one of the requirements. The minimum required for men will be 35 years of contribution + minimum age of 61 years and six months. For women, the calculation includes a contribution period of 30 years + 56 years and a minimum age of six months to retire.
The “point retirement” calculation also changed. According to the new rule, the sum of age + contribution time will be 87 points for women and 97 for men. See the table below for those who complete the requirements in 2020:
For women, the old-age pension has changed. From now on, for policyholders who turn 60 this month and seek to retire, the calculation has been raised to 15 years of contribution + 60 years and six months of minimum age. This means that the process will gradually increase one semester a year.
For men who turn 65 this month, for example, the criteria for requesting retirement by age remain the same as in the previous model: 15 years of contributions + 65 years of minimum age. Please refer to the following table:
Toll transition
For workers who are about to meet the requirements of the aforementioned rules, and who have an average salary above the minimum wage (R $ 1,045), one of the options is the transition of 100% of the toll.
With it it is possible to guarantee the full amount of retirement. For this, it is necessary to contribute twice as much time to completion for women, up to 30 years, and for men, 35 years. It is worth mentioning that for men it begins to count as of November 13, 2019.
Women must still be 57 years old and men 60, for adherence. Compared to the age and point transition systems, the 100% toll mode increases the average salary by up to 100%.
The guidance for workers who have a history of contributing a minimum wage as income is to choose the first rule that best suits their process.
Also read: INSS policyholders may be entitled to a lifetime review and a 25% bonus upon retirement
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