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New Changes to Approval Requirements Were Innovative After the Pension Reform, Impacting INSS Insurance in Various Situations
INSS policyholders who have met the requirements for retirement will need to check, in 2025, if they already meet the new conditional requirements, according to the website economiaaominuto.
The rules were updated as of January 1st and affected all consumers already in the labor market.
Transition Rules and 100% Education
The new reform rules include various transition options, such as the 100% toll.
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Policyholders who are two years away from retiring will need to work for two more years, totaling four years. This rule applies to those on the path to benefit based on contribution time.
Minimum Score and Minimum Age
Another transition option is the points rule, which combines contribution time and age.
For 2025, the minimum score will be 102 for Men and 92 for Women.
Additionally, the minimum age for retirement based on contribution time will be 64 years for men and 59 years for women.
Specific Rules for Teachers
Teachers also have adapted transition rules.
In the points transition, the sum of age and contribution time will be 87 years for women and 97 years for men in 2025.
The minimum contribution time is 25 years for women and 30 years for men.
Benefit Calculation After the New Rules
The retirement project has also been altered.
Now, the salary average considers all contributions from July 1994, without discarding the smallest.
The benefit will follow the formula of 60% of the salary average, plus 2% for each year above 15 years of contribution for women and 20 years for men.
How to Know When I Can Retire?
To check eligibility for retirement, policyholders can use the Meu INSS app or website.
The simulation takes into account information from the National Social Information Register (Cnis).
It is important that the data is correct to ensure an accurate simulation.
Acquired Rights and Decisions About Retirement
Those who have acquired the right to retirement in 2024 or before the reform can choose the rules that were valid until those dates if they are more advantageous.
It is essential for the policyholder to analyze their situation to decide whether to apply for the benefit immediately or wait for more favorable conditions.
Main Changes of the New Pension Reform Law
The new pension law establishes minimum ages for retirement: 65 years for men and 62 years for women, with a minimum contribution time of 20 years for men and 15 years for women.
Each additional year of contribution guarantees a 2% increase on the average salary.
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