Anticipate your INSS retirement with these tips

Did you know that your INSS retirement could come sooner than you think? See how to speed up the process without the headache!

Did you know that it is possible to anticipate the approval of your retirement with the INSS? Yes, this possibility exists and it could be excellent news for those who are counting down the days to enjoy a well-deserved rest after years of contributions.

Although it may seem like a complicated and time-consuming process, granting the benefit does not have to be a difficult task. You just need to know what to do!

Many don’t know, but there are simple ways to make your INSS retirement come earlier. Doubt? Then find out how! / Credit: @jeanedeoliveirafotografia /

How does retirement calculation currently work?

In principle, retirement in Brazil, governed mainly by the 2019 Pension Reform, operates under rules that consider age, contribution time and a points formula that adds age and contribution time.

Retirement modalities

In short, there are different types of retirement, such as age, contribution time and disability.

For retirement by age, men must be 65 years old and women 62, with a minimum contribution of 15 years for both.

Retirement based on contribution time requires 35 years of contribution for men and 30 for women, although this modality was changed by the reform, creating points systems that increase progressively.

In general, the value of the benefit depends on the calculation of contributions, considering the average salary and contribution time.

How to access retirement early?

Now, early retirement is a benefit that allows workers to retire before their regular age, as long as they meet certain requirements, such as a minimum contribution time.

It is an interesting alternative for those who started working early or for those who wish to retire early for other personal reasons.

How to speed up the process?

Furthermore, to advance the approval of your retirement by the INSS, the first step is to organize all the necessary documentation, such as proof of contributions and personal documents.

It is crucial to ensure that all documents are up to date and in order to avoid delays in the process.

INSS online services

INSS offers several online tools that can facilitate your request for early retirement.

Through the Meu INSS portal (you can send documents, monitor the status of your request and even carry out simulations to better understand your retirement options.

Know more:

Ask for help from an expert

If you have questions or encounter difficulties during the process, do not hesitate to seek help from a specialist in social security law.

For example, a good lawyer can offer valuable guidance and even speed up your retirement application.

Stay Informed

Retirement rules are constantly changing, so it’s essential to stay up to date with the latest news and changes to pensions legislation.

Therefore, stay tuned to the news and regularly visit the official INSS website to obtain reliable and updated information.

Finally, contributing to the INSS individually is an option for self-employed workers, freelancers or those without a formal employment relationship. These taxpayers fall into the Individual or optional Taxpayer category.

How to do this?

To start, it is necessary to register with the Social Integration Program (PIS) and obtain a Worker Identification Number (NIT).

After this, a contribution rate is chosen, which can be 20%, on a value between the minimum wage and the social security ceiling, guaranteeing benefits proportional to the amount contributed, or reduced rates of 11% or 5% on the minimum wage. , which guarantee rights to limited benefits.

It is worth remembering that contributions are made through a Social Security Guide (GPS), available online on the Social Security website (or at bank branches, due on the 15th of each month.

See more: 10 benefits that seniors can receive during retirement: check the list

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