See the rules for retiring from the INSS in the next five years

The worker who plans to retire in the next five years needs to be aware of the INSS (National Social Security Institute) rules to apply for the benefit. After the pension reform, which took effect on November 13, 2019, the minimum requirements are changed every year.

For professionals who entered the job market after constitutional amendment 103, a minimum retirement age was established. In the case of men, the age remained at 65 years. For women, it rose from 60 to 62 years. This year, they still retire at age 61 and a half. The minimum contribution period is 15 years of payments to the INSS.

For those who were already in the job market, however, there is the possibility of retiring by age or contribution time, complying with the transition rules, with contribution time that varies according to the type of benefit.

THE Sheet shows today the main requirements to retire for the next five years. There are five transition rules: 50% toll, 100% toll, minimum score, progressive minimum age and old age retirement.

The 50% toll rule was instituted to cover workers who were close to retiring and would be harmed by the reform. The requirements are only valid for those who were two years away from retirement by time of contribution on November 13, 2019.

To have the benefit for contribution time, women need 30 years of payments to the INSS, and men, 35 years. With this, the rule is valid only for those who had 28 years of INSS (female) and 33 years (male). It is still necessary to work for half the time it took to retire.

According to lawyer Roberto de Carvalho Santos, from Ieprev (Institute of Social Security Studies), even the insured person who believed he did not fit the 50% toll must scan his documentation to see how much time he had contributed to the INSS on the date start of the reform.

“Some people can fall into this situation, as in cases where the insured will count on rural time, time working as a minor, even before 12 years old, or special time. And this time will increase their contributions and the person can retire under this rule in the future”, he explains.

According to Santos, the advantage of the 50% toll is to be entitled to the calculation prior to the reform, in which the social security factor can be used. The definition of the average salary, however, is the same for everyone: the INSS has used 100% of salaries since July 1994. Previously, only the highest 80% were considered.

The second transition rule is the 100% toll, which guarantees the professional to retire for contribution time after working 100% more of the time left for retirement on November 13, 2019. To retire under this rule is also You must reach the minimum age of 60 years for men and 57 years for women.

The transition by points is an adaptation of a requirement that already existed before the reform, but which was more advantageous for workers, as it guaranteed the full benefit. In it, the worker needs to reach a minimum score, according to the year of retirement, when adding age and contribution time. The minimum period of payments to the INSS remains 30 years for women and 35 years for men.

In 2022, the sum of age plus contribution time must reach at least 89 points (women) and 99 points (men).

It is still possible to retire at a lower minimum age than the final retirement requirement, in the fourth transition rule. In this case, the minimum age rises six months each year, until it reaches 65 years old in 2027 for men and 62 years old for women in 2031.

In 2022, women aged 57 years and six months and at least 30 years of contribution can retire. For men, the minimum is 62 years and six months of age and 35 years of contribution until December 2022.

The old-age retirement transition rule ends this year. In it, the minimum age required for women increases six months each year. In 2022, it is 61 and a half years for the insured.

In 2023, it will reach 62 years and will not change anymore. You must have at least 15 years of payments to the INSS. For men, the requirement does not change. They continue to retire at 65 years of age as before.

What is retirement?

Retirement is a benefit paid monthly to the worker who contributes to a social security system and meets the minimum rules to receive the income. Retirement can be a general regime, such as the INSS (National Social Security Institute), or its own, such as that of states, municipalities and the Federal District.

Anyone who contributes to the social security system to which they are linked or through which they intend to retire is entitled to retirement. In the case of the INSS, it is necessary to pay monthly contributions to Social Security, whether as a formal worker, with a formal contract, or as a self-employed person.

The INSS pension is paid monthly into an account opened in the name of the insured, according to the calendar published every year by Social Security. Each month, the benefit of those who receive monthly income in the amount of the minimum wage is paid first, and then those with a higher amount, up to the social security ceiling.

Who is entitled to retirement?

INSS retirement is paid to workers who contribute to the agency for a minimum time, depending on the type of benefit to be requested. The rules also vary depending on whether the insured is male or female or according to the type of activity performed, if the work is considered to be exposed to agents harmful to health.

Private workers, self-employed, low-income housewives, students, people with disabilities, citizens who work in activities considered harmful to health and professionals who have worked in the public service, but who started to contribute with the INSS and will transfer contributions from one regime to the other.

What is the contribution period to retire?

The minimum contribution time to retire through the INSS depends on the type of benefit that the citizen will apply for. Until November 13, 2019, the date on which the Social Security reform was published, workers were able to retire for a period of contribution with 35 years of contribution to the INSS (men) or 30 years of contribution (women).

​There are, however, transition rules for those who were already in the job market, both for retirement by age and by contribution time (click here to find out what they are).

What is the minimum contribution time to retire by age?

Until November 13, 2019, the date on which the Social Security reform came into effect, the minimum contribution period required by the INSS for retirement by age was 15 years of contribution for men and women. The minimum age, however, varied. It was necessary to be 65 years of age for men and 60 years of age for women.

After the pension reform, the general rule of the system determines a minimum age of 62 years old (women) and 65 years old (men). The contribution period continues to be 15 years of payments to the INSS. These rules, however, are valid for new policyholders. Those who were already in the job market enter the transition rules.

For women who will retire by age in 2022, the benefit is released for those who are 61 and a half years old.