INSS retirement rules will change in 2022; see the changes

The INSS (National Social Security Institute) retirement rules will change as of January 1, 2022. The trigger for the minimum conditions to have the benefit occurs year after year since constitutional amendment 103, which instituted the reform of the Pension plan, began to take effect in November 2019.

The changes are in three of the transition rules applied to those who were already in the labor market: by points, by minimum age and the age of the woman to have retirement age. The rules that require a toll of 50% or 100% of the time that was left to have the benefit on the date of publication of the reform are unchanged.

The measures also do not affect professionals who joined the labor market as of November 2019, whether they are CLT or self-employed who contribute to Social Security. In these cases, they only retire at a minimum age of 65 years for men and 62 years for women. The minimum contribution time is 15 years.

For workers with a formal contract, who apply for retirement directly from the institute through the Meu INSS app or website, one of the main impacts is the minimum age for women to receive the benefit by age. The requirement, as of January 1st, is 61 years and six months. Until December 31 of this year, the insured person who is 61 years old can retire.

Before retirement, however, women retired at age 60. In the case of men, the minimum age has not changed. They were already retiring at age 65 and this is still the requirement to get the benefit.

Under the rule of transition by points, from January 1st, those who reach, in the sum of age and time of contribution to the INSS, are eligible for retirement based on contribution time, 89 points for women, or 99 points for men . You must have at least 30 years of payments to the institute for women and 35 years for men. As of December 31 of this year, the minimum score is 88/98.

For those who will apply for retirement under the minimum age transition rule, the requirement is to be 62 years and six months old for men and 57 years and six months for women from January 1, 2022. 30 years of contributions to the INSS, for women, and 35 years, for men. This year, the minimum age required is 62 years and 57 years, respectively.

Private sector teachers retire five years younger. At the 100% toll, the age required is 55 years for men and 52 years for women. You have to work for twice as long as the benefit on the effective date of the reform.

In point transition watering, there is a change from one year to another. As of December 31, 2021, the minimum score required is 83/93 for women and men respectively. As of January 1, 2022, it goes up to 84/94.

Requirements do not change in three situations

The worker who is going to apply for retirement under the 50% or 100% toll rules and who is entitled to the special benefit has transition rules that do not change over the years. In the case of policyholders who were up to two years from retirement due to contribution time at the beginning of the Social Security reform, it is possible to enter the 50% toll, in which it is necessary to work for half the time that was needed to have the benefit in 13 November 2019.

For the insured who opts for the 100% toll, retirement is granted to those who work twice as long as they needed to reach the minimum contribution period, 30 years for women and 35 years for men, in November 2019 A minimum age of 57 for women and 60 for men is also required.

Policyholders who work all the time in unhealthy conditions get special retirement. For those who were already in the labor market at the start of the reform, there is a minimum score requirement.

Low-risk activities guarantee the retiree when the insured adds, in age and contribution time, 86 points. You must be 25 years old in special low-risk activity. For medium risk, 76 points (20 years in special activity of medium risk) and for high risk, 66 (15 years of work in special activity of high risk).

Servers have different rules

Federal civil servants also have transitional rules in retirement if they were already hired in November 2019. The first is the 100% toll, which requires a minimum age of 57 years for women and 60 years, you must work twice as much from the time left to 35 years of payment, in the case of men, and 30 years, in the case of women. The requirement, however, is to have 20 years in public service and five years in the post upon retirement.

In the second transition rule, there is a minimum age and points requirement. In 2021, the minimum age required for women is 56, and the minimum score is 88 points. For men, you must be at least 61 years old this year, with a minimum score of 98. In 2022, the age is 57 and 62, respectively, with a score of 89/99.

Order can be made with retroactive date

Those who are unable to gather the documents to apply for retirement by December 31 can apply to the INSS in 2022, and get the benefit with a date retroactive to the application. For this, when making the application, the insured must choose the option indicating that the INSS server can change the date to one in which the worker completed the best condition or the minimum condition.

If you do not choose this option, you will have to reaffirm the DER (Date of Entry of Application), which is a request to change the day of application to a date that is more advantageous to the insured. The only difference is linked to the late amounts to be paid. Whoever changes the DER to a retroactive date has the arrears from the date of the order, not from the date of the change. Those who choose a future date have delays from that day on which they earn the best benefit.