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Learn Everything That Changes In Your Life And The Retirement Rules That Start To Be Required After The Promulgation Of The Social Security Reform On Tuesday, November 12.
On Tuesday, the 12th, the Social Security Reform, which affects the retirement system in Brazil, was promulgated by the National Congress, after nearly nine months of processing (the conclusion of the process occurred on October 23). Check out the package to stimulate job creation in Brazil, launched on Monday, the 11th, by Bolsonaro.
Under the new rules, new workers will only be able to retire at 62 years (women) and 65 years (men), both in the private sector and in the federal public sector, with a minimum contribution time of 15 years (for women), 20 years (for men), and 25 years for public servants of both genders.
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Teachers, police officers, and professionals exposed to harmful agents (such as those working in mining) have more lenient rules.
This year, the forecast is that the deficit of the INSS and the specific regimes for federal civil and military servants will reach R$ 292 billion. In a single year, the government needs to spend the equivalent of ten annual budgets of the Bolsa Família program to cover the gap in retirements and pensions.
The President of the Senate, Davi Alcolumbre (DEM-AP), mentioned Bolsonaro for sending what he classified as an “audacious proposal” to the National Congress: “The base text of the reform did not spare the desired R$ 1 trillion, but did spare a lot of suffering, mainly of the most vulnerable Brazilians”, he stated. For him, the country needed to have made the reform or “we would have been annihilated”.
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Understand The New Retirement Rules
When Do The New Retirement Rules Start In Brazil? The new rules of the reform start to take effect with the promulgation by Congress, which happened yesterday, November 12, so they are already in effect, awaiting only publication in the DOU.
What Happens To Those Who Are Already Working? The reform provides for five transition rules for private sector workers who are already in the market. One of these rules also applies to federal public servants – in addition, this category has a specific option. All models will be valid for up to 14 years after the reform takes effect. According to the text, the insured will always be able to choose the most advantageous option.
How Is The Calculation Of Retirements? The value of retirement will be calculated based on the average of the entire contribution history of the worker (not discarding the lowest 20%, as was done until the promulgation of the reform). Upon reaching the minimum contribution time (15 years for women and 20 years for men), workers under the INSS regime will be entitled to 60% of the full benefit amount, with the percentage increasing by 2 points for each additional year of contribution. Women will be entitled to 100% of the benefit when they accumulate 35 years of contributions. Men will only be entitled to 100% of the benefit when they have 40 years of contributions.
Has There Been Any Change In The Benefit Value? The value of retirement will never exceed the INSS ceiling, currently at R$ 5,839.45, nor be below the minimum wage (R$ 998.00). The text also guarantees the adjustment of benefits for inflation.
What Happens To A Person Who Could Already Retire But Did Not Make The Request Before The Reform Took Effect? The right to retire is guaranteed based on the old rule. However, the calculation of the benefit will follow the new rules, based on the average of contributions throughout the career. The calculation starts at 60% after 20 years of contributions for men and 15 years for women and increases by 2 percentage points for each additional year, up to a maximum of 100%.
Will There Be Changes In The Rates Currently Paid By Workers? Yes, the reform brings changes to the rate, currently at 11%. Workers earning higher salaries will contribute more – up to 14% in the INSS and 22% in the federal public service, in cases where the salary exceeds the constitutional ceiling of R$ 39.2 thousand monthly. Those earning less will have a lower contribution, starting at 7.5%. There will also be a unification of the rates of the general regime (private sector) and the specific regime (public servants). The new rates will apply to salaries from February of next year, paid in March.
What Is The Parallel PEC That Will Still Be Voted On In The National Congress? The PEC – Proposed Constitutional Amendment – parallel will allow the inclusion of states and municipalities in the Social Security reform. On the Senate floor, there are four amendments that attempt to change the text in the first round.
What Will Happen To Retirements Due To Permanent Disability? The benefit, which is currently known as ‘disability retirement’ and is 100% of the average of the contribution salaries for all beneficiaries, with the new social security rules, will be 60%, plus 2% for each year of contribution that exceeds 20 years. In cases of disability resulting from work accidents, occupational diseases, or work-related illnesses, the benefit calculation will not change. The changes only affect teachers in early childhood, elementary, and secondary education. For teachers in municipal and state networks, nothing changes either, as states and municipalities were left out of the reform. It will be necessary to wait for the processing of the parallel PEC.
And For Pensioners, Will Anything Change? The amount of death pension will be lower. For both private sector workers and public service, the family benefit will be 50% of the amount plus 10% for each dependent, up to a maximum of 100% for five or more beneficiaries. The text also guarantees the benefit of at least one minimum wage in any situation. In the Chamber, it was predicted that this floor would be valid in cases where the beneficiary did not have another source of formal income. Those who already receive death pensions will not have the value of their benefit changed with the promulgation of the reform. Already the dependents of civil servants who entered before the creation of complementary pension schemes will have the benefit calculated according to the INSS ceiling.
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