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Starting in 2026, New Requirements Come Into Effect for Retirement via INSS, Changing Minimum Age and Points. The Changes Follow the Schedule of the Social Security Reform and Impact Those Who Have Not Yet Completed the Requirements by the End of 2025.
Starting on January 1, 2026, new requirements will come into effect for those planning to retire via the INSS, according to the schedule of the Social Security Reform (Constitutional Amendment No. 103/2019).
The advancement includes six additional months in the progressive minimum age and the increase of the points rule to 93 (women) and 103 (men), while maintaining the minimum contribution time of 30 and 35 years, respectively.
What Changes in 2026
The main change occurs in the transition rule for minimum age + contribution time.
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Starting in 2026, the requirement will be 59 years and 6 months for women and 64 years and 6 months for men, in addition to the minimum contribution time.
The addition of six months will be applied annually until reaching the definitive age of 62 years for women and 65 years for men, as defined by the reform.
On the same date, the increase in the points rule, which combines age and contribution time, comes into effect.
The minimum total will now be 93 points for women and 103 points for men, maintaining the minimum time of 30 and 35 years of contribution, respectively.
Reasons for the Annual Adjustment
According to attorney Jean Postai, a specialist in Social Security Law and partner at Souza Postai Advogados, annual increases are part of the transition model created by the Social Security Reform.
According to him, the goal is to adapt the system to the increase in life expectancy and the need for financial balance of Social Security.
“These annual adjustments have been anticipated since 2019. The social security system needs to keep up with demographic evolution and the country’s fiscal reality, ensuring it remains viable for future generations,” Postai states.
How the Points Rule Works in 2026
The calculation of the points rule adds age and contribution time.
For 2026, a worker will need to achieve 93 points (women) or 103 points (men).
The minimum contribution time remains 30 years for women and 35 years for men.
In practice, a woman with 33 years of contribution will need to be 60 years old to reach 93 points.
A man with 35 years of contribution will need to be 68 years old to reach 103 points.
The calculation varies according to each insured person’s individual history.
Progressive Minimum Age
The progressive age rule also advances in 2026.
The requirement will be 59 years and 6 months for women and 64 years and 6 months for men.
The progression of six months per year was defined in the Constitutional Amendment 103, as part of the transitional period established for those who were already contributing before the reform but had not yet completed the requirements.
50% and 100% Toll Rules Remain Valid
The toll rules created in 2019 remain in effect.
In the 100% toll, the insured must work double the time that was left in November 2019 to meet the minimum contribution time.
Additionally, it is necessary to observe the minimum age of 57 years (women) and 60 years (men).
In the 50% toll, there is no minimum age.
The worker must contribute for half the time that was left, also in November 2019, to complete 30 years (women) or 35 years (men) of contribution.
These two modalities remain stable and do not undergo the annual increases in age or points.
Who Will Be Impacted by the New Requirements
The changes affect those who have not yet completed the requirements for retirement by December 31, 2025.
This applies to both the progressive age rule and the points rule.
According to Postai, it is important for insured individuals to monitor annual changes to assess whether it is advantageous to file a request before the end of the year.
“Many workers do not realize that each turn of the year alters the conditions for access. Planning ahead helps identify the most appropriate time to apply for the benefit,” he explains.
Who Will Not Be Affected
Those who meet the requirements of any rule by December 31, 2025 maintain their acquired right and can request retirement under the requirements in effect this year, without needing to meet the new age or points thresholds.
Care and Planning
Before applying for benefits, experts recommend checking the National Register of Social Information (CNIS) and verifying whether all contributions and employment links are registered correctly.
Registration errors can reduce the average salary amount used for calculating benefits.
It is also advisable to use the simulator on the Meu INSS portal to compare the available rules.
Attorney Jean Postai advises that the insured individual “consult the Meu INSS portal, run the simulation, and seek specialized guidance.”
According to him, individual analysis can help identify which rule offers the best financial return based on the contribution history.
Gradual Transition Until 2031
The reform of 2019 established automatic annual adjustments — of half a year in minimum age and one point in the points — until reaching the limit set for each gender.
The model was created to apply changes in a gradual manner, avoiding the need for new structural reforms in the short term.
Next Steps for the Worker
Experts recommend that insured individuals conduct a detailed assessment of their situation before deciding when to request benefits.
Those who are already close to the requirements may benefit from filing the request still in 2025.
Those who still need to contribute for more time should prepare to meet the requirements of minimum age of 59 years and 6 months (women), 64 years and 6 months (men), and points of 93/103 starting in 2026.
Have you checked your age and contribution time sum to know which transition rule will be more advantageous next year?
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