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A Social security reform It still raises many questions related to retirement, especially for those who are about to become insured by the National Institute of Social Security (INSS). Approved in November 2019, it brought significant changes for those who have not yet retired or are claiming the right to other benefits, such as sickness benefit or death pension.
Whoever wants to file the lawsuit in 2020, lawyers and specialists in the area give their first advice to consult the National Registry of Social Information (CNIS). Through it, it is possible to consult all the information related to the employment history throughout life. These data will be analyzed by the INSS servers during the calculation of the contribution time.
In general, the new rules of social security legislation impose as a requirement the Minimum age 62 years for women and 65 years for men. In addition, it is necessary to contribute for at least 15 years to the INSS be entitled to the benefit. Those who were close to retirement can opt for the transition rules, which have different requirements.
Check the transition rules
In total, there are five transition rules: 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. Below are the calculations for those who meet the requirements in 2020, including the minimum age in each case:
Retirement by progressive minimum age
In this standard, whoever wishes to meet the conditions in 2020 must meet the following requirements:
- Men: 61 years and six months, with a minimum contribution of 35 years;
- Women: 56 years and six months of age, with a minimum contribution of 30 years.
Retirement by age
There were no changes in the criteria for accessing retirement for men after the Reform. The change affected women more, with the addition of another six months in minimum age each year, until reaching 62 in 2023. See:
- Men: 65 years, with a contribution period of 15 years;
- Women: 60 years and six months, with a contribution period of 15 years.
Points retirement
The point transition rule, which considers the sum of age and contribution time, also includes post-Reform changes. See:
- Men: 97 points, adding age + years of contribution;
- Women: 87 points, adding age + years of contribution.
Important: If the insured meets the requirements of one of the transition rules in the previous year, there is an acquired right, which allows him to retire under the previous rules.
50% toll
The taxpayer who is two years away 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.
For this, the citizen must comply with a 50% toll on the time that was left before the entry into force of the new regulations. See who fits the rule:
- 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.
It should be mentioned that this option is more advantageous for those who are close to completing the contribution time required by the old rules. Under this rule, policyholders must contribute one more year to be able to retire.
100% toll
According to the rule, a toll will be charged for 100% of the remaining retirement time according to the previous rule: 35 years of contributions, in the case of men, and 30 years of contributions, for women. Those who are four years from retirement, for example, must work for eight years and meet the minimum age of this modality. Remembering that it is valid for:
- Men: from 60 years;
- Women: from 57 years old.
The modality is advantageous for those who could not retire in up to two years and do not have the right to a lower toll, but who are close to reaching the minimum contribution time required.
Also read: INSS: More than 100 thousand insured will receive up to R $ 62.7 thousand overdue
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