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With the new law, retirement can be anticipated for those who have already reached the necessary contribution period. See the details.
A recent measure approved by the Federal Government, according to the FDR portal, together with the INSS, brings significant changes for those who already have a registered job and are close to retirement. The new law makes retirement rules more flexible, allowing some workers to receive the benefit early. But what really changes with the new minimum retirement age?
What changes with the new law
For those who have already worked with a signed employment contract and are close to fulfilling the requirements for retirement, the new law comes as welcome news. Before, it was necessary to fulfill a minimum contribution period and, at the same time, reach a minimum age to be entitled to the benefit. Now, the minimum age requirement has been relaxed for some workers who have already completed their contribution period.
Under the new minimum retirement age, women who have contributed for at least 30 years and men for 35 years can apply for retirement without having to wait until they reach the minimum age. This means that anyone who has reached the necessary contribution time will be able to retire early.
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Formula 86/96: how does it work?
One of the major changes brought about by the new law is the replacement of the Social Security Factor by the 86/96 Formula. This formula combines the worker's age and contribution time to calculate the points required for retirement.
- Women: they need to reach 86 points (adding age and contribution time).
- Men: they need to reach 96 points (adding age and contribution time).
In other words, the longer you have worked registered, the easier it will be to reach this score, allowing for a more advantageous retirement without reducing the benefit amount.
What will the new minimum retirement age look like?
Under the new rules, the new minimum retirement age will be gradually adjusted. In 2024, for example, the minimum age for women will be 58 years and 6 months, while for men it will be 63 years and 6 months.. This means that even with the flexibility, those who do not reach this age will still have to wait a little longer to apply for retirement.
In addition to age, it is also necessary to comply with the minimum contribution period:
- Women: 15 years of contributions to INSS.
- Men: 20 years of contributions to INSS.
Transition rules: who benefits?
One of the advantages of this new law is the transition rules, which allow for faster retirement for those who were already contributing before the changes came into effect. If you have been registered for years, these rules may be advantageous, as they reduce the minimum age or contribution time required for retirement.
How to retire with the new law?
If you are thinking about retiring under the new rules, the process is simple, but requires attention to some details:
signed wallet: Most of the new rules only apply to those who have a formal employment contract.
Requirements: Check whether you already meet the age and contribution time requirements for the type of retirement you want.
Documentation: Separate important documents such as ID, CPF, work card and FGTS statements to prove your contributions.
Solicitation: The request can be made in person at an INSS agency or online, via the “Meu INSS” website or app.
What to expect for the future
The main objective of these changes is to guarantee the sustainability of the social security system in Brazil, avoiding a financial collapse and ensuring that future generations can also retire safely. The new minimum retirement age is a response to these concerns, adjusting the system to ensure social protection for workers.
A The new law brings benefits to those who have worked registered for many years, allowing for a more peaceful retirement, without having to wait so long for the minimum age. Paying attention to these new rules and planning ahead is key to making the most of this opportunity.
Now is the time to check your situation, understand how the new rules impact your retirement and, if possible, advance your benefit. Keeping an eye on changes and preparing the necessary documentation can make all the difference for those who are close to realizing their dream of retirement.
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What do you think of this new retirement rule? Leave your comment and share your opinion!
