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The Pension Reform generated a series of doubts for taxpayers, especially regarding the calculation of retirement by age.
The main question concerns the exclusion of this modality.
Therefore, when considering the general scenario, it is observed that there were significant changes in all types of pensions after November 12, 2019.
This is the case of the increase in the terms that entitle the insurance, reduction of values and, mainly, the reduction
Calculation format prior to the pension reform
Before the enactment of the Pension Reform, the calculation applied to define retirement by age established a minimum grace period of 180 contributions for any insured.
Therefore, the lower the number of payments, the lower the amount released by retirement.
Men had to serve 65 years of service and women 60.
In this sense, they were considered:
- After 1994, the average of 80% of the highest salaries, counted up to a month before the retirement application;
- The pension rate by age: each set of 12 months of contribution takes into account 70% + 1%.
Changes imposed by the Pension Reform in retirement by age
In fact, there were changes in the retirement modality based on age.
In the case of women, there was an increase of two years.
Regarding the years, the change was applied to the contribution time, which in this case was 15 years and now it is 20.
New arithmetic mean
Currently, the calculation is based on the gender of the beneficiaries:
- Women: The reducer is equal to 60%, adding 2% every 12 months after 15 years, up to the limit of 100%;
- Men: The reducer is equal to 60%, adding 2% every 12 months after 20 years, up to the 100% limit.
Therefore, it is observed that the longer the payment time, the greater the final amount available for retirement.
To comply with the maximum limit defined by the National Institute of Social Security (INSS), men must have 40 years of contributions and women 35.
Is it possible to avoid reducing the final amount of retirement due to age?
According to the rules of the Pension Reform, there is a provision to rule out some lower wages, but that would normally weigh in the final average, resulting in a reduction in the value of the insurance.
For this reason, it is important to have the support of a social security lawyer, since they will be able to know the circumstances and inform if it is necessary to apply this resource to the profile.
In general, it can be a viable alternative for those who contributed for a significant amount of time through the minimum wage and, subsequently, began to be contemplated for a higher wage.
It is important to pay attention to the possibility of an increase in the time worked.
Extra tip from Jornal Contábil: Understand and carry out the INSS procedures to enjoy social security benefits.
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By Laura Alvarenga
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