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New changes in approval requirements were innovative after the Social Security reform, impacting INSS insurance in several situations
The policyholders of the INSS (National Institute of Social Security) who came to meet the requirements for the retirement should check, in 2025, if they already meet the new conditional conditions, according to the website economiaaominuto.
The rules have been updated as of January 1st and affected all consumers who were already in the job market.
Transition rules and 100% teaching
The new rules of reform include several transition options, such as 100% toll.
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Insured individuals who are two years away from retirement must work for another two years, for a total of four years. This rule applies to those who received the benefit based on the length of their contributions.
Minimum score and minimum age
Another transition option is the rule of points, which combines contribution time and age.
FOR 2025, the minimum score will be 102 for men e 92 for women.
Furthermore, Minimum age for retirement based on length of contribution will be 64 years for men and 59 years for women.
Specific rules for teachers
Teachers also have adapted transition rules.
In the transition by points, the sum of age and contribution time will be 87 years for women and 97 years for men in 2025.
The minimum contribution period is 25 years for women and 30 years for men.
Benefit calculation after new rules
The retirement project was also changed.
Now, the average salary considers all contributions from July 1994, without discarding the smaller ones.
The withdrawal will follow the formula of 60% of the average salary, plus 2% for each year above 15 years contribution to women and 20 years for men.
How do I know when I can retire?
To check eligibility for retirement , policyholders can use the app or website My INSS.
The simulation takes into account information from the National Social Information Registry (Cnis).
It is important that the data is correct to ensure an accurate simulation.
Acquired rights and decisions about retirement
Who has achieved the right to retirement em 2024 or before the reform you can opt for the rules valid up to those data, if they are more advantageous.
It is essential that the insured person analyzes their situation to decide whether to request the benefit immediately or wait for more developed conditions.
Main changes in the new reform law
The new social security law establishes minimum retirement ages: 65 years for men and 62 years for women, with a minimum contribution period of 20 years for men and 15 years for women.
Each additional year of contribution guarantees a 2% increase on the average salary.
