See who gets INSS retirement in 2022

The year 2022 began with new requirements for workers who are going to retire by the INSS (National Social Security Institute) in three transition rules created in the Social Security reform, valid since November 13, 2019. The reform established a minimum age of 62 years, for women, and 65, for men as a general rule, but it also created transition systems for Brazilians who were already in the job market.

In the transition in which the INSS adds the worker’s age and contribution time, the score increases by one point per year. In 2022, the minimum sum is 89 points (women) and 99 (men). Men aged 62 years and 37 years of contribution, for example, can retire under this rule in 2022. Every six months with contribution, the worker accumulates one point, as the contributed semester is added to the older months in the period .

The age requirement under the progressive minimum age system has increased by six months: in 2022, you must be at least 57 years and six months old (women) and 62 years and six months old (men). As both are transitions from retirement by time of contribution, the INSS also requires a minimum period of 30 years of payments (women) and 35 years (men).

Another transition that postpones retirement by six months is the women’s age benefit. In 2022, workers must be at least 61 years and six months and 15 years of contribution. For men, the minimum age of 65 years has not changed and it is also necessary to prove a 15-year grace period for payments to the INSS.

In the two toll systems, the worker has to contribute for an additional time than he needed to retire when the reform took effect. At the 100% toll, there is also a minimum age requirement.

According to Ieprev (Institute of Pension Studies), men who were 33 years old and almost seven months of contribution in November 2019 can now retire at the 50% toll, as long as they have not interrupted the collections. The reform required this worker to postpone retirement by about eight months, for example. At the request of the report, the institute shows other examples of workers who manage to retire with the new requirements of the INSS. See below.

Who can retire in 2022

.On the retirement transition rules by time of contribution

by points

INSS requirements in 2022:

The sum of age and contribution time must reach, at a minimum:

• 89 points (women)
• 99 points (men)
• You must have at least 30 years of contribution to the INSS (women) and 35 years (men)
• The required sum increases by one point each year, until it reaches 100 points (women) and 105 points (men)

Examples of who can retire in January 2022:

Any insured person reaches the minimum score (respecting the minimum contribution time). The INSS considers months and days in this sum. See profiles of policyholders who reach 89/99:

For men (in years)

For women (in years)

Progressive minimum age

INSS requirements in 2022:

• Women: 57 years and six months of age and at least 30 years of contribution
• Men: 62 years and six months of age and at least 35 years of contribution
• Any insured person who has fulfilled these requirements will be able to retire under this rule.
• The minimum age requirement increases six months each year, until reaching 65 years old (men) and 62 years old (women)

50% toll

INSS requirements in 2022:

• Anyone who, in November 2019, already had contribution periods between 28 and 30 incomplete years (women) or between 33 and 35 incomplete years (men) can retire at the 50% toll. The benefit is calculated with the social security factor
• It is necessary to contribute for another 50% of the time needed to reach 30 years of contribution (female) or 35 years (male) on 11/13/2019
• There is no minimum age

Examples of who can retire now:

According to Ieprev, the worker who was 33 years old and almost seven months of contribution when the reform began to take effect reaches the right to retirement at the 50% toll on January 6, 2022 (date used as a reference for the calculation). The simulations consider uninterrupted work from November 13, 2019 to early 2022.

• Workers with less contribution time than specified on November 13, 2019 will not be able to retire under this rule on January 6, according to the institute.

100% toll

INSS requirements in 2022:

• Minimum age of 57 (women) and 60 (men) at the time of granting the benefit. This requirement is fixed, i.e. it does not increase over time.
• It is necessary to contribute for twice the time needed to reach the age of 30 (women) and 35 years of contribution (men) on November 13, 2019
• Retirement under this rule is full, that is, it is 100% of the average salary.

Examples of who can retire now:

Considering that the person has been working non-stop since November 13, 2019:

• If there is less contribution time than specified on November 13, 2019, it will not be possible to retire, by this toll, on January 6, 2022, according to Ieprev

.On the age retirement transition rule

INSS requirements in 2022:

• 61 years and six months (women) and 15 years of contribution
• 65 years (men) and 15 years of contribution
• In 2023, the minimum age for women will reach 62 years of the general rule

Simulator shows how much time is left in each transition

The application for retirement can be made through the Meu INSS website or the official application. Through this system, the worker can also check how much time is left to retire. After informing the CPF number and the registered password, “Retirement Simulator” will appear in the center of the screen, click on “Details”. The system will show you whether you are entitled to the pre-retirement rules, by vested rights and will also detail whether you are entitled or how much time is left in each of the retirement transitions.