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Many Brazilians are not sure whether or not it is possible to receive two benefits from the National Institute of Social Security (INSS) at the same time. In some cases, yes. The Pension Reform, which came into effect on November 13, allows the accumulation of INSS retirement and pension or two pensions of different regimes.
However, the calculation rules for the payment of two benefits have changed, reducing the final amount to be received. The reform imposes a discount on the amount of the benefit that is less advantageous. For what exceeds R $ 4,181, the reduction is 90%.
It is worth mentioning that the lower value benefit will only be paid in full if it is a minimum wage, R $ 1,045. For those who already received two INSS benefits before the reform, nothing has changed.
Other changes
The value of the benefit for those who retire under the new rules may be even less. Before, the calculation ruled out the smallest contributions, now not more. In this way, the average salary of the insured was reduced.
Regarding the death pension, there are two calculations. For the insured deceased and already retired, the amount will be 50% of the pension plus 10% per dependent. A widow without minor children receives 60% of the income.
In the case of the deceased insured and even without receiving retirement, the amount of the pension will follow the disability retirement rule. Thus, the benefit will be 60% of the average of all salaries paid since June 1994, plus 2% each year that exceeds 20 years of contributions.
The reform also changed who are the dependents who are entitled to a pension. The spouse and the child under 21 years of age who is disabled or has a mental or intellectual disability are entitled to the benefit. However, upon turning 21, the dependent ceases to receive his share of the pension and is not transferred to the widow.
Another change is that those who lived in a stable union will only receive the pension if they prove the union, with documents up to two years before death, and economic dependency. The same rule applies to the parents and siblings of the insured who prove this dependence.
Also read: INSS minimum retirement age for 2020 is confirmed; Check out!
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