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Decree Published In October Redefines The Income Calculation For Granting And Maintaining The Continuous Cash Benefit (BPC), Expands The Considered Sources And Reinforces The Cross-Referencing Of CadÚnico Data.
The new government rules for the Continuous Cash Benefit (BPC) change the way family income is calculated and expand oversight over who receives the aid. The Ministry of Social Security has determined that informal activities, known as “gigs,” and unemployment insurance are now to be considered in the calculation of the per capita income used for granting and maintaining the benefit.
The BPC is paid to elderly individuals aged 65 or older and people with disabilities of any age, provided that family income per person does not exceed 1/4 of the minimum wage. According to expert VALTER DOS SANTOS, with the new rules, the government aims to make the verification process more transparent, but also tightens the review of those who continue to receive the benefit.
What Changes In The Family Income Calculation
Before the decree, part of the informal income did not enter into the monthly income calculation. Now, any remunerated activity, even without formal ties, must be declared, such as freelance sales, small jobs, and temporary work. Also, benefits from other public schemes are included, including unemployment insurance.
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The goal, according to the government, is to prevent undue accumulation of benefits and maintain the budgetary balance of social assistance.
The rule, however, raises doubts among beneficiaries who depend on occasional incomes to supplement their livelihood.
Requirement For Updated CadÚnico And Regular CPF
To continue receiving the BPC, it is mandatory to be registered and have updated information in the Cadastro Único (CadÚnico). The decree also requires the beneficiary to maintain a regular CPF and have biometric data registered in some federal database.
This information will be cross-referenced monthly with data from other public agencies, which includes financial transactions, labor records, and receipt of other aids.
Experts warn that registration inconsistencies may lead to automatic suspension of the benefit, especially during periodic reviews.
Mandatory Review Every 24 Months
From now on, the BPC will be reassessed every two years, based on information from CadÚnico and any changes in income, address, or family composition.
In addition to the biannual review, INSS will conduct monthly data cross-checks to identify indications of benefit accumulation or income variation above the permitted limit.
Even with increased control, the decree ensures that temporary income variations will not result in immediate cutoffs, as long as the average of the last 12 months remains equal to or less than 1/4 of the minimum wage per person.
Who Is Eligible And What Is Not Included In The Calculation
The BPC remains aimed at two groups: elderly individuals aged 65 or older and people with disabilities who can prove long-term limitations and vulnerability. For these groups, the biopsychosocial assessment will be performed by medical expertise from INSS and can occur in person or via videoconference.
Certain income does not count towards the family income calculation, such as internship stipends, apprenticeships, disaster compensation (such as dam failures), and benefits of up to one minimum wage received by other elderly individuals or people with disabilities from the same family. The inclusion aid also does not affect eligibility for the BPC.
The reinforcement of data cross-referencing and the review of CadÚnico increases the capacity to detect irregularities and suspend payments.
The government states that the measure aims to correct distortions and ensure that the benefit reaches those who truly need it.
However, social analysts warn of the risk of undue blockages, especially among low-income informal workers.
The review will be gradual, but it already starts with monitoring bank transactions, card usage, and transfers via Pix.
The recommendation is for beneficiaries to keep all information updated and income proof accessible, avoiding inconsistencies that may result in automatic cuts.
The new government rules mark a turning point in the control of the BPC: more digital, more interconnected, and less tolerant of omissions. By including gigs and unemployment insurance in the calculation and requiring periodic review every 24 months, the system approaches an automated model of constant verification.
And you? Do you believe that these measures make the system fairer or increase the risk of cuts for those living on informal income? Share your opinion your experience helps to understand the real effects of this change in the daily lives of those who depend on the benefit.
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