English 
Spanish 
3 min read
2 comments
In 2024, the National Institute of Social Security (INSS) launched a new measure that is being celebrated by workers with formal employment contracts: the end of the minimum retirement age based on length of service. The decision comes as a response to pressure for greater flexibility in the social security system, modernizing the rules for those with formal employment contracts and guaranteeing many Brazilians the long-awaited possibility of retiring without depending on an age criterion.
With the new INSS rules, men and women who have contributed for most of their lives will finally be able to throw away the clock that marked the waiting time for the minimum age. Now, women can retire after 30 years of contributions, while men can retire after 35 years, regardless of their age at the end of that period. This flexibility represents a significant relief and a complete overhaul of the retirement plans of millions of Brazilians.
Formula 86/96: the new INSS model
With the end of the old Social Security Factor, the INSS introduced the so-called “86/96 Formula”, a system that redefines the calculation of retirement based on contribution time. This model adds the worker’s age to the contribution time, requiring a score of 86 points for women and 96 points for men. This mechanism aims to serve workers more fairly with a signed employment contract, as it balances age and length of service, better reflecting the reality of each contributor.
To ensure a smooth transition, the government has also planned progressive adjustments to the minimum score until 2027. From that year onwards, the required score will be 90 points for women and 100 for men, in line with the increase in life expectancy of Brazilians.
- Microsoft co-founder Bill Gates has revealed his biggest MISTAKE that ended up costing his company $400.000.000.000
- New PIX and Federal Revenue rules increase control over workers; financial transactions will be monitored like never before, check it out!
- The first mega underwater tunnel in Brazil will be responsible for the deforestation of 105 THOUSAND square meters of the Atlantic Forest; on the other hand, the R$6 BILLION project will generate 9 THOUSAND jobs
- Government wants a new union contribution
Retirement Options
For those in the job market With a formal employment contract, the INSS offers several types of retirement, each adapted to different realities and needs. See the main options:
Retirement by age: Maintained for workers aged 65 (men) or 60 (women), requiring 15 years of contributions.
Retirement based on length of service: Although it was discontinued for new workers after 2019, it is still valid for those who already met the requirements before this change.
Special retirement: Focused on professions exposed to unhealthy conditions, such as miners and healthcare workers.
Permanent disability retirement: Benefit intended for those who, for health reasons, are permanently unable to work.
Rural retirement: Exclusively for rural workers, with the need to prove activity for at least 15 years.
Essential benefits of INSS
The changes do not stop at retirement rules. The INSS, with the aim of improving management and access to social security rights, offers other vital benefits such as sick pay, maternity pay, prison allowance and survivor's pension. These benefits are essential to guarantee the financial security of workers and their families.
How to consult and guarantee your rights?
Consulting the INSS is an important step for those who want to understand and monitor their retirement benefits and contributions. Today, workers with a formal employment contract can access INSS information and services in several ways:
Meu INSS website: Access the Federal Government portal and consult services such as payment statements, retirement simulations and scheduling assessments, all in a practical way.
Meu INSS App: Available for download, it allows you to consult the same information on the website at any time and from anywhere.
Telephone – Central 135: Service from Monday to Saturday, answering questions and offering support on benefits and contributions.
In-person Service: At INSS agencies, service can be scheduled online to avoid queues.
Those options ensure that the employee with a signed employment contract is always informed about the new rules for retirement and other benefits offered by the INSS. By adapting to this new era of flexible retirement, millions of Brazilians gain the right to dream of a safer and more dignified future.
But doesn't such a change in the INSS have to be by law?
The best place to make sure of everything is at my INSS. It has everything there.