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The Called 100% Toll Rule Is the Forgotten Rule That Guarantees Full Retirement Without Reductions, According to Lawyer Tatiana Sampaio, And Can Anticipate Benefits for Those Who Started Contributing Early.
Many Brazilians believe they will only retire at 62 or 65 years old, but there is a forgotten rule that guarantees full retirement before that age. Little publicized, it allows women starting at 57 years old and men starting at 60 to access the full benefit, without reductions in the calculation.
According to lawyer Tatiana Sampaio, a specialist in social security, this rule can change the life of those who started working very early and have already accumulated a good portion of contribution time before the pension reform of 2019.
The problem is that many miss this opportunity due to a lack of information.
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What Is the Forgotten Rule That Guarantees Full Retirement
The forgotten rule that guarantees retirement is the so-called 100% toll, created as one of the five transitional rules of the 2019 reform.
It works like this: those who were already close to retiring at that time must comply with an additional time equal to what was lacking.
For example, a woman who in 2019 had 28 years of contribution, lacking 2 years to complete the 30 required, needs to work those 2 years plus another 2 of toll.
This way, in just 4 years, she can retire fully, provided she is at least 57 years old.
How the Calculation Works and Why It’s Advantageous
According to Tatiana Sampaio, the great advantage of the 100% toll is that it guarantees the full amount of retirement.
Unlike other transitional rules, which apply reductions and decrease the benefit to 60% of the average salary, the toll keeps the full calculation, guaranteeing 100% of the contributory average.
This means that those who fit this rule do not need to wait for the minimum age of 62 years for women and 65 for men, as long as they meet the required contribution time and the toll.
It is, therefore, a way to anticipate the benefit and avoid significant financial losses.
Who Is Entitled to the Forgotten Rule That Guarantees Retirement
The forgotten rule that guarantees full retirement applies to workers who had already accumulated a good part of the contribution before the 2019 reform. It is necessary that, on that date, little time was left to complete the requirement.
Tatiana Sampaio explains that women need to be at least 57 years old and men 60 years old to enter the rule.
Furthermore, it is necessary to add the time that was lacking in 2019 with the equivalent toll. “Many people qualify without knowing it and end up waiting longer than they should,” warns the specialist.
Where to Consult and How to Confirm Your Rights
To confirm if there is a right to the forgotten rule that guarantees retirement, the first step is to analyze how much contribution time already existed in 2019.
This can be done through Meu INSS, but Tatiana Sampaio warns that automatic simulations often ignore special periods, late contributions, or unaccounted links.
The ideal is to seek pension planning with a specialized lawyer, who can review the history, correctly calculate the toll, and verify if there are acquired rights.
A miscalculation can cost years of waiting and thousands of reais less in retirement.
Is It Worth Using the Forgotten Rule That Guarantees Retirement?
In the view of specialists, yes. This rule is considered one of the most advantageous for those who already had accumulated time before the reform. It guarantees the full amount, without reductions, and allows retirement before the minimum age required by other rules.
An example cited by Tatiana Sampaio is that of a client who, at 57 years old, managed to retire fully under the 100% toll rule. “If she had only followed the INSS simulation, she would have waited until 2028 to receive less than she was actually entitled to,” reports the lawyer.
The forgotten rule that guarantees full retirement can represent the difference between waiting several more years and receiving a reduced amount or securing the full benefit already at 57 or 60 years old.
Many Brazilians are entitled to it, but are unaware of this possibility.
And you? Had you heard of the 100% toll rule? Do you think the INSS should better inform insured persons about this alternative?
Leave your opinion in the comments; your experience can help others who are also looking to retire with dignity.
Eu não sabia dessa regra eu tenho 57 anos e 29 anos com insalubridade, eu posso me aposentar?
ALDO de Pernambuco. Tenho 35 anos de contribuição e 57 anos de idade. Como posso saber se tenho direito.
Em 2019 eu já tinha 33 anos e meio, e ninguém me informou dessa regra, e olha que consultei um advogado especialista, alguém pode me ajudar?