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New requirements change the hiring of INSS payroll loans and expand the confirmation steps for retirees and pensioners in My INSS, amid rules created to reduce unrecognized operations, block contracts without the beneficiary’s consent, and organize the release of credit.
Retirees and pensioners of the INSS now have to fulfill new steps to contract a payroll loan, a modality in which the installments are directly deducted from the monthly benefit paid by the institute.
With the new rule, published on the 19th of this month of May, the release of credit depends on facial biometric validation through My INSS, with a deadline of up to five calendar days to confirm the proposal presented by the financial institution.
According to the new rules, the insured can start the hiring process at the bank, but the contract only proceeds after the proposal appears in the My INSS app or website with a pending confirmation status.
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When facial recognition is not performed within the established deadline, the operation is automatically canceled, with no loan release and no continuation of the contract linked to the social security or assistance benefit.
Facial biometrics in INSS payroll loans
The change was adopted as a security step to reduce unrecognized contracts by beneficiaries and to hinder fraud related to payroll credit paid with payroll deduction.
According to the INSS, the so-called biometric consent complies with Law No. 15.327/2026 and also follows recommendations from the Federal Court of Accounts for operations of this modality.
In practice, the validation must be carried out by the beneficiary themselves through official digital channels, via the My INSS app or website, before the contract is concluded.
The new law also prohibited the hiring of payroll loans by phone and by third-party proxy, which changes how banks and correspondents can finalize operations.
With the rule in effect, the payroll loan continues to operate with direct deduction from the benefit’s payroll, a mechanism provided for the monthly deduction of installments contracted by the insured.
Even so, the automatic charge requires verification of the contracted amount, as part of the monthly income is committed until the full repayment of the loan assumed by the beneficiary.
Five-day deadline to confirm the proposal
After requesting the loan from the bank, the proposal is sent to Meu INSS for analysis and confirmation by the benefit holder, within the flow created by the new regulation.
From this submission, retirees and pensioners have up to five calendar days to recognize the contract through facial biometrics and authorize the continuation of the operation.
Without confirmation within this period, the contract is not released and ceases to produce effects, according to the rules defined for contracting the INSS payroll loan.
The automatic cancellation aims to prevent proposals from remaining open without direct expression from the holder, a requirement that has become part of the credit release process.
In addition to the biometric requirement, recent rules have extended the maximum repayment period for the payroll loan to up to 108 monthly installments, a period equivalent to nine years.
Before the change, the limit was 96 months, and the new conditions also allow the start of payment to occur up to three months after contracting.
The consignable margin remains the criterion used to define how much of the beneficiary’s income can be committed to monthly deductions linked to loans and cards.
According to INSS, the limits are 40% for social security benefits and 35% for welfare benefits, considering the modalities authorized by the current regulation.
Improper deductions in INSS benefits
The new requirements were announced in a context of changes in protection rules for retirees and pensioners, following irregularities involving associative deductions in INSS benefits.
In January 2026, the government sanctioned Law No. 15,327/2026, which prohibited associative deductions directly from benefits paid by INSS and altered payroll loan regulations.
Data released by INSS indicate that more than 4.1 million beneficiaries had already been reimbursed for improper deductions, with refunds totaling R$ 2.8 billion.
The legislation also provides for the accountability of entities, financial institutions, or companies that make irregular charges, including full reimbursement of amounts to the affected insured party.
When there is an undue discount recognized, the responsible party must fully refund the amount within 30 days, counted from the notification of the irregularity or the final administrative decision.
The law also allows measures against those investigated for crimes related to irregular discounts on social security benefits, as provided for in the legislation sanctioned in 2026.
INSS Payment Calendar for May 2026
The official 2026 payment calendar of the INSS maintains the division between beneficiaries who receive up to a minimum wage and those with a monthly income above the national minimum.
To check the correct date, the beneficiary must look at the final number of the benefit card, disregarding the check digit that appears after the dash.
For those who receive up to a minimum wage, payments for the May period began on May 25 for benefits ending in 1.
The calendar sequence provides for payments for ending 2 on May 26, ending 3 on May 27, ending 4 on May 28, and ending 5 on May 29.
For the other beneficiaries in this range, deposits continue in June, with ending 6 on June 1, ending 7 on June 2, ending 8 on June 3, ending 9 on June 5, and ending 0 on June 8.
Among those who receive above a minimum wage, the May period schedule starts on June 1 for benefits ending in 1 and 6.
Then, the INSS pays endings 2 and 7 on June 2, endings 3 and 8 on June 3, endings 4 and 9 on June 5, and endings 5 and 0 on June 8.
Second Installment of the 13th Salary of the INSS
The second installment of the 13th salary for retirees, pensioners, and other beneficiaries entitled to the annual bonus follows the same official calendar for the May period.
According to the INSS, the first installment was paid between April 24 and May 8, while the second occurs from May 25 to June 8.
Those entitled to the 13th are beneficiaries who received, in 2026, benefits such as retirement, death pension, temporary incapacity aid, accident aid, maternity pay, and imprisonment aid.
BPC and Lifetime Monthly Income beneficiaries do not receive the annual bonus, as per the rule informed by the institute for assistance benefits without a 13th salary provision.
During the same period as the monthly payments and the second installment of the annual bonus, the new rules for payroll loans require biometric confirmation through My INSS.
With the requirement in force, the proposal review and facial biometric validation become mandatory steps before the release of any new payroll loan linked to the benefit.
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