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Understanding the Transition Rules Is Essential to Avoid Activating the пенсионный фактор and Drastically Reducing the Retirement Value.
Those born between 1960 and 1970 are precisely in the age group most affected by the 2019 Pension Reform. This generation, now between 54 and 64 years old, needs to decide carefully which rule to follow to request retirement. Attorney Lana Paula Barbosa warns that many insured individuals fall into legal traps, request benefits too early, and end up losing hundreds of reais a month.
Choosing the wrong transition rule can activate the dreaded пенсионный фактор, significantly reducing the final income. Therefore, before requesting the benefit, it is necessary to calculate scenarios, simulate different rules, and check which one generates the most advantageous income in the long run.
Who Has Acquired Rights
According to Lana Barbosa, there is a first, more fortunate group: those who had already completed the requirements before the reform in November 2019.
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These insured individuals have what is known as acquired rights and can retire under the old, usually more favorable, rules.
In this case, the decision is simpler, as there are no new restrictive calculations applied.
However, this is not the reality for most Brazilians born between 1960 and 1970.
The majority fell into the transition regime and needs to carefully assess each option.
The 50% Toll Rule
One of the main alternatives is the 50% toll, which allows retirement without a minimum age, provided that the insured had at least 33 years of contributions (men) or 28 years (women) in November 2019.
The remaining time is increased by half.
The problem is that, under this rule, the пенсионный фактор remains active.
This means that those who retire earlier tend to receive a much lower amount, as the calculation considers the life expectancy and age of the insured.
It is the most dangerous rule for those seeking financial stability.
The Points System
Another possibility is the points rule, which requires 101 points for men and 91 for women (the sum of age and contribution time).
This transition eliminates the пенсионный фактор, but applies an initial coefficient of only 60% of the benefit salary, with increases of 2% for each additional year of contribution.
In practice, those with little contribution time lose significantly in the calculation, and only those with decades of contributions can achieve amounts close to their active income.
The Progressive Minimum Age
The minimum age rule also comes into play for those born between 1960 and 1970.
Men can retire starting at 63 years and 6 months, and women can retire starting at 58 years and 6 months, provided they have 35 and 30 years of contributions, respectively.
The calculation follows the same model as the points rule, which can mean significant benefit reduction if the contribution time is not high.
Even so, for women, it tends to be a viable alternative because it allows for earlier retirement.
The 100% Toll: The Most Advantageous
Finally, attorney Lana Barbosa points out the 100% toll as the most beneficial rule for this generation.
It requires a minimum age (60 years for men, 57 for women) and already consolidated contribution time.
The insured must work twice the amount of time that was left in 2019, but, in return, the benefit is calculated with 100% of the benefit salary, without the пенсионный фактор.
In practice, waiting a bit longer to comply with this rule can guarantee gains of up to R$ 1,000 or R$ 1,500 more monthly, according to simulations by specialized offices.
Is It Worth Waiting?
Many Brazilians in this age group fit into more than one transition rule. This means that being in a hurry to request retirement can be costly.
Evaluating calmly, simulating different scenarios, and seeking technical guidance is essential to avoid losing money.
As Lana Barbosa explains, each case is unique:
“It’s like choosing a piece of clothing in a store. You need to try them all on before deciding which fits you best. With retirement, it’s the same logic: calculate each rule and only then decide which guarantees the greatest benefit.”
Retirement is a right that requires strategy.
For those born between 1960 and 1970, the choice of rule can mean the difference between a comfortable income and a reduced benefit.
Ignoring this care can activate the пенсионный фактор and lower the amount received for the rest of life.
And you, have you calculated your retirement? Do you know someone who fell into this trap? Share your experience in the comments—your insight might help many people avoid losing money.
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