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My INSS Now Allows You to Request Retirement 100% Online in 2025, Without Lines and Without Scheduling at an Agency. See How the New Feature Works.
The retirement process in Brazil has always been associated with lines at agencies, bureaucracy, long waiting times, and the need to schedule in-person appointments. In 2025, this scenario begins to change concretely. The My INSS app, which already centralizes social security services, now allows workers to file retirement requests 100% online, without having to schedule an appointment at an INSS agency.
This digital transformation is part of a policy of deregulation and modernization of public service, increasing accessibility and reducing the overload on staff. The new feature is already in effect and can significantly change the lives of millions of Brazilians who have been waiting for a more practical and efficient alternative to secure their benefits.
How Online Retirement Requests Work
The process is relatively simple and can be done through the My INSS app, available for mobile devices, or through the web version. The worker accesses the system with a gov.br login and then chooses the option “Request Retirement”.
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From there, the system requests:
- Confirmation of personal and professional data (information already integrated into the National Social Information Register – CNIS).
- Supplementation of contribution periods, if any data is not recorded correctly.
- Submission of digitized documents, such as old work permits, contribution receipts, contracts, or other proof of activity.
- Choice of the type of retirement available, with an automatic simulation performed by the system itself.
After submission, the request goes into analysis. In many cases, data cross-referencing is sufficient for automatic approval, with no need for in-person contact.
Types of Retirement That Can Be Requested Via Mobile Phone
The My INSS app already allows the request for different types of retirement, including:
- Retirement by Age: for those who have reached the minimum age required by law.
- Contribution Time Retirement (transition rules): for workers subject to the pension reform rules.
- Disability Retirement (currently Permanent Disability Benefit): in cases of proven incapacity for work.
- Special Retirement: for workers exposed to harmful conditions permanently.
What Changes for Workers
The main gain is the elimination of the need to visit an agency just to file the request. Now, workers can do everything from their mobile phones or computers, from anywhere in Brazil.
Direct benefits include:
- Agility: less time spent in lines and waiting for appointments.
- Security: submission of digitized documents directly through the system, with no risk of losing paper files.
- Transparency: real-time tracking of the request’s progress through the app.
- Inclusion: workers in remote areas or with reduced mobility can access the service more easily.
The Impact on the INSS
The advancement also brings internal repercussions. The system reduces the demand for in-person service, eases lines, and allows staff to focus on more complex analyses instead of repetitive tasks.
According to data from the INSS itself, in 2024 alone, more than 2 million retirement requests were made. With full digitalization, the expectation is that over 70% of processes will be automated by 2026, speeding up grant issuance and decreasing the average response time.
Challenges That Still Need to Be Faced
Despite the progress, the implementation of the 100% online request faces some challenges:
- Reliability of CNIS data: errors in contribution records may lead to the need for manual supplementation.
- Usability issues for the elderly: many insured individuals still have low familiarity with apps and rely on family members or accountants.
- Automated Analysis Capacity: although most cases are straightforward, there are situations that require in-person evaluation of documents and medical examinations.
Practical Examples
- A 62-year-old worker, with contributions correctly recorded in the system, can request retirement by age via mobile, attach documents, and receive a response in a few days.
- On the other hand, an insured person with a history of jobs without formal registration may need to digitize and submit old work permits or receipts, which could prolong the process.
The Future of Digital Social Security
The new My INSS feature is part of a broader strategy for the federal government’s digital transformation. The expectation is that, in the coming years, all social security benefits will be requestable online, including pensions, aids, and benefit reviews.
Moreover, there are plans for integration with banking systems to allow beneficiaries to receive credits automatically into registered accounts, without needing to choose a bank in person.
The 100% online retirement request through My INSS marks a turning point in Brazilian social security. What once required travel, lines, and bureaucracy can now be done with a few clicks, without leaving home.
Although there are still challenges, particularly regarding digital inclusion and the quality of social security records, the advancement signals that the digitalization of public service is here to stay.
In a country with over 30 million retirees and pensioners, any step to simplify processes is a significant gain. And this time, the gain comes directly from the pocket and time of the Brazilian worker.
É verdade que para se aposentar não vai mais ser preciso pagar entre 15 e 20 mil reais a um advogado?
Contribui 15 anos de INSS, no sistema está tudo perfeito, mas ao dar entrada a análise dar resultado de indeferido. Já repeti 3. Vezes e sempre negado. O que fazer? Tenho 68 anos.