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Microentrepreneur Can Use Additional Contribution to Increase Benefits Value and Ensure More Financial Security in the Future.
The MEI that only pays the National Simple Collection Document (DAS) is entitled to retirement limited to one minimum wage. This is the standard rule for those who contribute only 5% of the minimum wage.
But there is a little-known and completely legal option: the additional contribution via the Social Security Guide (GPS). This resource allows the microentrepreneur to increase the value of their future retirement and escape the limitation imposed on the minimum benefit, according to experts consulted by Economia Real.
How the Current Rule for MEI Works
The monthly payment of DAS guarantees the MEI access to social security rights such as sickness benefit, maternity leave, prison aid, and death pension. However, the retirement benefit by age is always limited to the minimum wage, regardless of the contribution time.
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In practice, this means that a microentrepreneur who exclusively depends on the basic collection will hardly be able to maintain the standard of living after retirement. With the continuous rise in the cost of living, the minimum income tends to become insufficient over the years.
The Legal Trick of Additional Contribution
According to Juliana Ribas, a consultant at Contabilizei, the MEI can complement the 5% paid by the DAS with an additional 15% on a salary of their choice, which can range from the minimum to the maximum of INSS.
This additional is made through the GPS, which must be generated and paid monthly. The higher the chosen contribution value, the greater the future benefit, explains the specialist.
This mechanism works as a sort of “shortcut” within the law, allowing the microentrepreneur to achieve a more robust retirement without giving up the advantages of the MEI simplified regime.
Risks of Relying Solely on the Minimum
Nathan Kemer, operations manager for MEI at Razonet, emphasizes that relying solely on the basic contribution can be a problem. The risk is having the benefit frozen at the minimum value, which does not keep pace with the growth of personal expenses over life.
Therefore, in addition to the additional contribution, Kemer recommends that the microentrepreneur also build personal savings through investments or long-term funds, ensuring extra security beyond what the INSS can offer.
Care When Paying the Additional GPS
Experts warn about some important points before opting for the additional contribution:
Check the guide’s data before issuing the payment, avoiding typing errors.
Correctly calculate the additional 15% on the chosen salary of contribution.
Pay on time, avoiding fines and interest that may compromise planning.
Keep the payment receipts, as they may be required by the INSS in the future.
Consult a social security specialist to define the ideal strategy according to each contributor’s contribution history.
These precautions ensure that the additional effort truly reflects in a higher retirement, without errors that harm the final calculation.
The legal path for the MEI to escape the minimum retirement exists and can make a significant difference in the future. The additional contribution is simple, accessible, and can be combined with personal investment strategies to enhance financial security.
And you, have you thought about supplementing the MEI contribution to increase your retirement? Do you believe that this “legal trick” could be the solution to ensure more peace of mind in the future? Share your opinion in the comments.
Estava buscando por isso…me diziam que nao podia…agora eu pergunto tem que ser durante os 15 anos…pq me falta 5 anos pra pagar?