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Retirement is an extremely important right and desired by Brazilian workers, however, there are situations in which the value of this insurance is not enough to support themselves and their family, which leads citizens to resort to other sources of income. income, such as informal work. and the search for other help.
Regarding the social assistance currently available, it can be said that Bolsa Família is one of those that adjust to this situation, depending on each case, since, if granted, it will be a double benefit and may lead to the suspension of some of them .
But, first of all, you need to understand the difference between social benefits and social security benefits.
Social security benefit
Social Security benefits consist of a right for all Social Security contributors, that is, those with an employment contract, or who pay the Social Security Guide (GPS) via card in the case of the self-employed, domestic employees or Individual Microentrepreneurs (MEI).
Some of them are:
- Temporary Disability Assistance (sickness assistance)
- Permanent disability assistance (disability retirement)
It is important to highlight that, in the cases of the worker governed by the Consolidation of Labor Laws (CLT) or single registered in the portfolio, there is no responsibility to collect the fee from the National Institute of Social Security (INSS), as it is a task of employers.
However, it is important to be aware of the situation and have the habit of documenting all the links, if, in the future, it is necessary to prove the payment of the tax.
Remembering that the unemployed worker does not automatically lose their insured status, considering the existence of a grace period that maintains INSS coverage for another 12 months.
On the other hand, to be qualified, a minimum contribution is also required according to the benefit shown in the following table:
| Benefit | Grace |
| Temporary or permanent disability allowance (formerly Sick Assistance and Disability Retirement) | 12 months |
| Incarceration assistance | 24 months |
| Maternity Salary (individual, optional and special contributors) | 10 months |
| Pension for death | No need |
| Assistance in accidents | No need |
Assistance benefit
In the first place, it is important to clarify what an assistance benefit is, since, eventually, there is the possibility that benefits with similar characteristics may arise, mainly of an assistance nature and aimed at people in a vulnerable financial situation.
For example, the Continuous Term Benefit (BPC), which is not characterized as retirement, since it does not generate, for example, the pension in the event of the death of the beneficiary, in addition to always maintaining the amount equivalent to the minimum wage ceiling.
The BPC is a right of every person over 65 who has a disability or incapacity for work activities, which can be obtained by registering in the Single Registry (CadÚnico), for people who have an income of, at most, El 25% of the minimum wage, although there are cases in which it can be shown that this value is not enough to have a decent life.
Given this perspective, there is Bolsa Família, a benefit that is granted monthly and that can be accumulated among members of the same family group, which is divided into groups as follows.
- People in extreme poverty, whose income per family does not exceed R $ 89.00;
- People living in poverty – whose income per family is between R $ 89.01 and R $ 178.00. This part of the population can participate in the program, as long as they have pregnant women and children or adolescents between 0 and 17 years old.
To receive Bolsa Família it is necessary to be registered in CadÚnico and keep the data updated.
Is it possible to accumulate Social Security benefits with Bolsa Família?
The answer is yes, as long as the retiree who receives Bolsa Família is in a low-income condition, that is, they can obtain Bolsa Família only if the per capita income in CadÚnico is within the limit allowed in the program.
For example, if the sum of the pension, together with the family income, divided by the number of each member, is less than R $ 89.01 or R $ 178.00, if the family has:
It is worth mentioning that this condition is not only valid for retirees, pensioners will also have the right to request Bolsa Família if they also meet the conditions presented.
In general, enlisting the help of a qualified social security attorney is essential to obtain accurate guidance on the best way forward.
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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