Government reopens deadline for federal servants to join supplementary pensions

The federal government reopened the deadline for federal servants to join the supplementary pension scheme through Funpresp. Civil servants will have until November 30 to join, which is not mandatory, according to the provisional measure published in the Official Gazette this Thursday (26).

The supplementary pension allows civil servants, since it was implemented, to pay an additional amount to retire with a supplementary benefit, in addition to the pension they will receive, limited to the pension ceiling, of R$ 7,087.22 in 2022.

For those who joined the Executive after February 2013 and for those who entered the Judiciary after May of the same year, membership is mandatory, in the case of those who earn more than the social security ceiling. In this regime, the worker pays 7.5%, 8% or 8.5% on what exceeds the Social Security ceiling and the government pays the same percentage (counterpart).

The reopening of migration is valid for Executive servants who were hired before February 4, 2013 and for Judiciary workers who entered before May 7 of the same year. According to the provisional measure, if you choose the supplementary pension, the server cannot go back. The exercise of the option is “irrevocable and irreversible”, says the text.

There will also be no counterpart regarding the amounts already deducted from the salaries of those who entered the public sector before 2013 and earn more than the ceiling. In this case, the amount of the contribution charged was already based on the highest salary.

“No consideration will be due by the Union, nor by its municipalities and public foundations, for the value of discounts already made on the contribution base above the maximum limit established for the benefits of the General Social Security System”, says the MP.

MP changes rules for the special benefit to be paid

According to Diego Cherulli, vice president of the IBDP (Brazilian Institute of Social Security Law), the text of the provisional measure updates the rules for calculating the special benefit that will be paid by the supplementary regime, based on what was approved in the Social Security reform, which passed effective in 2019.

For those who join this year, the calculation of the special benefit will take into account all employee contribution salaries since July 1994. For those who joined until 2021, the account considers the 80% highest salaries, discarding the 20 % smaller.

“When they join, retirement no longer has integrality and parity [100% do que recebe na ativa com reajustes na mesma proporção dos ativos] or by the average up to the limit of the position, but calculated by the average and with the limit of the INSS ceiling, today at R$ 7,087.22. Although, [os servidores] will receive a special benefit and an additional supplementary benefit”, explains the lawyer.

According to the expert, to know if it is worth migrating, the server must carefully analyze the options, through a pension plan. “The civil servant must seek a specialist in the subject who can make the projections of the three benefits: the one of the own regime, which will go up to the ceiling; the special benefit and the complementary benefit, which will vary according to the accumulated balance, capitalization of the fund , option of investment percentage and other several factors”, he says.

how to join

Membership is now open and is done in Sigepe (People Management System). The server must access the Server Portal and click on “Servers and Pensioners”. It is necessary to log in to the system, informing the password. Then, just select the option “Welfare”. You can simulate a migration.

On the Funpresp website, the system informs that this is the fourth window of migration of the social security system and offers the scheduling of an appointment with the social security advisors of the fund, who will provide advice to the server.

Scheduling is done by calling 0800-2826794 or filling out a form on the website.

understand the benefits

The civil servant who migrates to the supplementary pension scheme receives three benefits, but may leave behind advantages of other retirement rules according to which he was hired. See what will be paid:

Benefit paid by the RPPS (Proper Social Security Regime)

• When the public servant retires or if he retires due to disability, he will receive a monthly benefit paid by his own regime, limited to the INSS ceiling.
• In the case of a pension for death, its beneficiaries will receive the benefit, also with a maximum value equal to that practiced in the general regime.

special benefit

• It is a monthly installment, paid to compensate for the migration of the regime, paid for by the Union, which will be paid from the moment the server retires.
• The calculation of this benefit considers the contribution time from entering the public service to the date of migration. There is no social security contribution on the special benefit

Complementary benefit

• Those who join Funpresp will receive an extra pension, the amount of which will depend on the amount accumulated in the foundation, which takes into account what the server pays plus the contribution from the federal government
• In case of disability retirement and death pension, the civil servant or beneficiaries will also receive an additional amount to that paid by the general scheme.