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With recent changes to the rules of the National Institute of Social Security (INSS), a possibility has emerged that seems like a dream for many workers: retirement from the INSS at the age of 57 with a monthly income of R$3. This retirement model brings forward the rest period and guarantees a decent amount, attracting workers who want a smoother transition to work inactivity.
In recent times, the social security scenario has undergone changes that have allowed retirement at the age of 57 for those who meet certain specific requirements, one of which is the minimum contribution period. This option is highly attractive for workers who want to retire with a good financial base. The secret is to follow a well-defined strategy, divided into eight steps, which we will detail below to ensure that no detail is forgotten in the process.
The 8 steps to guarantee retirement at 57 with R$3
First of all, It is essential to draw up a specific plan to achieve the goal INSS retirement at age 57. This means understanding the necessary contribution time, the current rules and possible adjustments to the retirement plan.
Using the INSS pension simulator is a crucial step. This resource allows you to check gaps in your contribution history, identify periods not automatically computed and project the value of your retirement.
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Analyzing the retirement options available helps you choose the most advantageous option. For those seeking INSS retirement at age 57, the transition rules, such as the 50% toll and the points system, are essential.
It is essential to review the contribution history and confirm the recorded service time, ensuring that all periods worked are duly included.
Depending on your financial capacity, adjust your contribution amounts to optimize your final balance. Contributing according to your possibilities helps you reach a yield of R$3.
For those aiming for the amount of R$3, it is important to plan the benefit, adjusting contributions to reach the desired amount.
During the process, pending issues may arise in the social security statement. Correcting these inconsistencies is essential to prevent errors from affecting the final value of the retirement.
Finally, it is essential that all documents are organized. Having complete records of service time and contributions makes it easier for the INSS to analyze and approve the benefit.
50% Toll Rules and Points System
To guarantee INSS retirement at age 57, workers who were two years away from retirement by contribution time, on the date of the Reform (November 13, 2019), can opt for the 50% toll. Under this rule, women need 30 years of contributions, with the toll equivalent to half of the remaining time. Men must have at least 35 years of contributions and be at least 60 years old.
Another option is the transition rule based on points. For women, in 2024, 91 points are required (age plus contribution time) and for men, 101 points. Thus, a 57-year-old woman would need 34 years of contribution to reach the required points.
How to use “Meu INSS” to plan your retirement
The “Meu INSS” portal is a practical and essential tool for those planning to retire from the INSS at age 57. Through the portal, workers can access the National Social Information Registry (CNIS), review their contribution history and, if there are errors, request corrections online. The platform is available for access on the website and via a mobile app.
To achieve INSS retirement at age 57 with a benefit of R$3, planning is essential. Following the social security rules, using the simulator, adjusting contributions and taking care of documents, workers can benefit from this opportunity.
