Millions of Brazilians will have to work more in 2026: the score to retire has risen to 93 and 103, the minimum age has increased, and those who planned to retire this year may be in for a surprise.

Written by Douglas Avila

Published on 16/04/2026 at 11:02

Seja o primeiro a reagir!

The 2019 Pension Reform Updates Transition Rules: Minimum Score Rises to 93 (Women) and 103 (Men), Progressive Minimum Age Goes to 59.5 and 64.5 Years — and Millions May Have to Delay Retirement

Starting from January 1, 2026, the transition rules for retirement in Brazil have become stricter. Constitutional Amendment No. 103/2019 provides for progressive annual adjustments.

The minimum score has risen to 93 points for women and 103 points for men. The sum is of age + contribution time.

The progressive minimum age has also increased. It is now 59 years and 6 months for women and 64 years and 6 months for men.

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The Two Transition Rules That Changed

The points rule works like this: add your age to your contribution time. If the total reaches the minimum, you can retire.

In 2025, the minimum was 92 points (women) and 102 (men). In 2026, it increased by 1 point for each.

The minimum age rule is different. It guarantees retirement for those with a long contribution time, even with a slightly lower age.

In 2025, the minimum age was 59 years (women) and 64 (men). Now it has increased by half a year for each.

The Updated Numbers for 2026

Points Rule — Women: 93 points (age + contribution)
Points Rule — Men: 103 points
Minimum Age — Women: 59 years and 6 months
Minimum Age — Men: 64 years and 6 months
Minimum Contribution — Women: 30 years
Minimum Contribution — Men: 35 years
General Rule (those not in transition): 62 years (women) / 65 (men)

The general rule has not changed: women need 62 years of age and 15 years of contribution. Men need 65 and 20.

But the general rule only applies to those who started contributing after November 2019. Those who were already contributing before use the transition rules.

Brazilian work card and calculator on the table — The transition rules affect those who were already contributing to the INSS before November 2019 — Illustrative image

Practical example: who is affected

A woman with 55 years and 37 years of contribution totals 92 points. In 2025, she would retire. In 2026, 1 point is missing.

She will have to wait another 6 months to complete the 93 points at 55.5 years of age.

A man with 62 years and 40 years of contribution totals 102. In 2025, he would retire under the points rule. In 2026, 1 point is missing.

The impact may seem small — just half a year more. But for those who were already planning retirement, the frustration is real.

Topics related to personal finance like this always generate interest. Check out more articles on economy and personal finance at CPG.

Good news: income tax exemption up to R$ 5,000

Starting in 2026, those earning up to R$ 5,000 monthly are exempt from income tax. The exemption threshold has been increased.

This benefits the majority of Brazilian workers and retirees. The 13th salary can be received in full, without income tax deduction.

Brazilian retiree checking INSS statement on mobile phone — The income tax exemption up to R$ 5,000 benefits most retirees from the INSS — Illustrative image

Rules continue to change — pay attention to planning

The transition rules continue to increase every January 1st. The annual increase is 1 point and half a year of age.

Those close to retirement should consult Meu INSS or a social security lawyer to simulate scenarios.

The 2019 reform provides for transition until 2033. After that, everyone will follow the unified general rule.

Information based on the official note from INSS and reports from Agência Brasil. Consult a professional for individual analysis.

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Millions of Brazilians will have to work more in 2026: the score to retire has risen to 93 and 103, the minimum age has increased, and those who planned to retire this year may be in for a surprise.

The 2019 Pension Reform Updates Transition Rules: Minimum Score Rises to 93 (Women) and 103 (Men), Progressive Minimum Age Goes to 59.5 and 64.5 Years — and Millions May Have to Delay Retirement

The Two Transition Rules That Changed

The Updated Numbers for 2026

Practical example: who is affected

Good news: income tax exemption up to R$ 5,000

Rules continue to change — pay attention to planning

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Millions of Brazilians will have to work more in 2026: the score to retire has risen to 93 and 103, the minimum age has increased, and those who planned to retire this year may be in for a surprise.

The 2019 Pension Reform Updates Transition Rules: Minimum Score Rises to 93 (Women) and 103 (Men), Progressive Minimum Age Goes to 59.5 and 64.5 Years — and Millions May Have to Delay Retirement

The Two Transition Rules That Changed

The Updated Numbers for 2026

Practical example: who is affected

Good news: income tax exemption up to R$ 5,000

Rules continue to change — pay attention to planning

Seen from space, an image taken by an astronaut shows an unlikely oasis in the Saudi Arabian desert, protected by a terrain that slows the advance of sand, surrounded by green circles, remnants of an extinct lake and nearly 10,000 years of preserved history.

While the U.S. still faces limitations in deep space, China is developing unprecedented technology with strategic satellites that maintain communication with the far side of the Moon and aims for dominance by 2030.

In Botswana, a salt flat of up to 16,000 km² that was once an African megalake spends months as an absolute white desert, but during the rainy season it transforms into a shallow sea that reappears from nowhere and can be seen from space in the middle of southern Africa.

The Blood Falls of Antarctica hide a living ecosystem trapped under the ice for over 2 million years, where microbes survive without light, without oxygen, and without ever having seen the Sun.

Bavarian archaeologists unearthed a medieval skeleton that had an articulated iron hand in place of its left arm, and the discovery reveals that doctors were already creating sophisticated prosthetics over 500 years ago.

The CEO of Honor in Spain says that smartphones will change with AI, foldables, and even robot phones; the component crisis is making cheap models more expensive in 2026 and shifting the focus to premium.

Brazilian company breaks industrial machines purposefully in a 10,000 m² warehouse in São Paulo and sold the idea for R$ 4 billion.

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