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After the Pension Reform takes effect, new rules related to the accumulation of benefits National Institute of Social Security (INSS) went into effect. Before, it was possible to receive two pensions, for example. But what now? How was it?
With the new INSS regulations, the beneficiary has the possibility of receiving up to two pensions, as long as they belong to different social security systems. Other allowed accrual includes the death pension plus retirement. However, it is important to note that the concessions take into account the period in which the benefits were requested.
When is it possible to accumulate INSS benefits?
As indicated above, the right to receive two pensions at the same time is activated whenever the pension systems are different. See example:
- A teacher who works in a private school, and also acts as a public official, can retire both through the INSS and the pension scheme of the municipality or state in which he works.
It is also possible to accumulate a death pension plus retirement. In this case, the insured will receive the highest value benefit in full. Ultimately, the percentage will be calculated according to a scale of reductions, which will be divided by income ranges and will be based on the minimum wage.
And how are the pensions?
In the case of pensions, the new regulations allow accumulation in the following cases. Check out:
- Pension for the death of a spouse or partner from a social security scheme associated with another pension for the death of a different scheme or pensions related to military activities.
In addition, it is also possible to accumulate the rural retirement age plus the pension for the death of an urban worker.
When hoarding is prohibited
The accumulation of INSS benefits is prohibited in the following situations:
- Retirement subsidy and benefits;
- Two death pensions left by a spouse, children or parents;
- Unemployment insurance plus another Social Security benefit, except death or accident assistance;
- Maternity wages and sickness benefits; and
- Sickness benefit plus retirement.
Also read: Discover the new minimum retirement age defined by the INSS until the end of 2020
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