See how to make proof of INSS life in your bank

Proof of life from the INSS (National Social Security Institute), which will become mandatory in 2022, must be provided by retirees, pensioners and holders of other benefits at the bank responsible for payment.

Banks offer the option of performing the procedure at ATMs using biometrics (for those who have a record of palm reading), in person at branches and through official applications (in some institutions). See below all the service options available at Banco do Brasil, Bradesco, Caixa, Itaú and Santander.

Anyone who has facial biometrics registered with Denatran (National Traffic Department) or TSE (Superior Electoral Court) can take the digital life test through Meu INSS, that is, from the driver’s license and voter registration records. Seniors over 80 and beneficiaries with limited mobility can request a home visit or an informed location.

The appointment must be made by phone 135 or by My INSS. There is also the option of carrying out the procedure with an attorney previously registered with the agency.

Banks await change for anniversary month

INSS ordinance 1,366, of October 14, 2021, defines that, from 2022, the month of the beneficiaries’ birthday becomes the reference for proof of life. Despite the INSS having informed that the January birthdays already have to update until next month, the banks stated that the details for the application of this new criterion are still under discussion with the organ. The report found that a meeting will be held between banks and the INSS to discuss the topic.

According to Bradesco, after all definitions and regulations by the INSS, the new anniversary month rule will be implemented by the bank. Santander informs that it is preparing to adopt the measures that will be defined by the social security agency. Banco do Brasil states that it is awaiting negotiations between Febraban (a representative of the banks) with the INSS on the subject and that it will respond in accordance with the forum’s definition.

Febraban informed the report that the institutions continue to comply with the law and are prepared to adopt “possible changes to be defined by the INSS.” According to Itaú, the expiration date of proof of life is defined by the INSS. After carrying out the procedure, the bank transmits the information to the institute, following the current regulations.

See where to test your life in banks

In the box

• At any bank branch
• At ATMs (if the beneficiary has registered biometric identification)
• INSS beneficiaries can consult the date of the last proof of life performed in the CAIXA Trabalhador application, by calling 0800 726 0207, option 7 and at bank branches

At Banco do Brasil:

• By cell phone: the BB application must be installed and the device must have been released. When accessing the account, the customer enters the menu “Services > INSS > Social Security Proof of Life”, takes a photo of the identification document, front and back, and a selfie. The beneficiary can follow through the BB app if their proof of life has been accepted and what is the expiration date
• In person, at Mais BB branches and correspondents
• At ATMs, with digital biometrics
• The bank plans to release the proof of life via WhatsApp BB soon (61) 4004-0001
• Before the expiration of the proof of life, 60 days in advance, BB sends alerts on the need for renewal to the INSS beneficiary, by SMS message, at the ATM, in the BB App, in the password dispenser and proof of payment and benefit withdrawal

At Bradesco

• At ATMs using palm biometrics technology and in person at branches
• During benefit payment periods, Bradesco opens its branches earlier for preferential service to this public

No Santander

• At the self-service terminal (exclusive to customers with registered biometrics)
• In person, with the cashier or service manager
• The bank notifies the beneficiary two months before and after the expiration date of his/her proof of life by SMS and at self-service terminals

At Itaú

• In person, there are two options: at the branch cash desks and using biometrics in transactions at Itaú and Banco24Horas ATMs
• After the procedure, the proof of life is automatically renewed for another year
• The bank plans to release proof of life through the mobile application soon

INSS will again suspend benefits

The proof of life is still being made by the banks, but until December 31, 2021, the INSS is prevented from suspending or cutting benefits due to lack of re-registration. As of January, data update is mandatory again and the INSS is already authorized to suspend payments in February. The INSS created a calendar of maturities for the resumption of the mandatory proof of life, with deadlines that go until April 2022. See below:

In the country, 3,313,845 policyholders still need to take a life test by the beginning of 2022, according to INSS data from October, the latest available. In total, 32,994,656 have already made the faith of life (adding the re-registrations carried out in 2020 and 2021).