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As soon as it came into force in November 2019, the Pension Reform established new rules on the time of contribution, in addition to a new Minimum age for retirement. Consequently, citizens must be attentive to the changes made by the National Institute of Social Security (INSS) to avoid future problems.
However, anyone who was about to become insured can retire without meeting the new requirement, as long as they are in one of the transition rules. In total, there are five alternatives for the taxpayer: progressive minimum age, retirement by points, retirement by age, 50% toll and 100% toll.
In three of them, there was a six-month increase in contribution. Check out each of the rules below and see how many years you can retire.
INSS transition rules
1 – Progressive minimum age
In this rule, the worker who wishes to enter retirement must meet the following requirements:
- Men: 61 years and six months, with a minimum contribution period of 35 years;
- Women: 56 years and six months, with a minimum contribution period of 30 years.
It should be noted that the minimum age, due to the transition rules, increases six months each year, reaching 62 years (women) and 65 years (men).
2 – Retirement by age
The minimum retirement age for men remains the same after retirement. For women, there was a six-month increase each year, reaching 62 in 2023. See what it looks like in 2020:
- Men: 65 years old, with a minimum contribution period of 15 years;
- Women: 60 years and six months, with a minimum contribution period of 15 years.
3 – Retirement by points
This type of retirement takes into account the sum of the age and the contribution time for the granting of the benefit. In 2020, workers who achieve the following score are governed by this rule:
- Men: 97 points, with at least 35 years of contributions;
- Women: 87 points, with at least 30 years of contributions.
The minimum score also increases year after year. In 2021, women will need 88 points and men 98 points, and so on until they reach 100/105 points for women and men, respectively.
4-50% toll
The worker who is two years from completing the minimum contribution period, 35 years for men and 30 for women, can choose to retire without a minimum age, but with the social security factor included. In this case, the citizen must comply with a toll of 50% on the time that was left before the entry into force of the new regulations. Look who fits:
- Male: with at least 33 years of contribution until November 12, 2019;
- Woman: with at least 28 years of contribution and until November 12, 2019.
This option is most advantageous for those who are close to completing the contribution time required by the previous rules. In this case, the insured must contribute one more year to be able to retire.
5 – 100% toll
According to the rule, a toll will be charged for 100% of the time remaining for retirement according to the previous rule: 35 years of contributions (men) and 30 years of contributions (women). Those who are three years from retirement, for example, will have to work six years. It is also necessary to meet the minimum age of this modality:
- Men: from 60 years;
- Women: from 57 years old.
The modality is advantageous for policyholders who are close to retirement due to the contribution period and are older.
Also read: 14th INSS salary: Are policyholders really entitled to the benefit in 2020?
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