Can EVERY Brazilian who has never contributed to the INSS retire? Understand the criteria

Find out how to retire through INSS even without contributing. Discover the criteria to ensure your retirement without complications.

In the intricacies of the complex Brazilian social security web, the doubt that hangs over many citizens is whether any elderly person can, in fact, retire through the INSS, even without having contributed throughout their professional journey.

"Retiring through INSS" is an expression that echoes in many conversation circles, carrying with it expectations and, often, uncertainty about the financial future of those who did not have the opportunity to contribute to social security.

Below, we will unveil the criteria that govern the possibility of retirement, shedding light on the intricate relationship between the absence of contributions and access to social security benefits. So follow along!

INSS retirement without contribution? Understand. (Credit: @jeanedeoliveirafotografia /

Contribution table to retire through INSS

Up to R$1,412.00: Rate at 7.50%, Portion to be deducted from INSS R$0.00From R$1,412.01 to R$2,666.68: Rate at 9%, Portion to be deducted from INSS R$19.80 R$ 4,000.04 to R$ 7,786.02: Rate at 14%, Portion to be deducted from INSS R$ 174.08

With the recent update, the family allowance quota for insured people with a monthly salary of up to R$1,819.26 is now R$62.04. In addition, the income limit for imprisonment assistance was adjusted to R$1,819.26.

The incarceration allowance, in the amount of R$1,412, is intended for the dependents of the low-income insured in a closed prison.

This applies if the individual does not receive remuneration from the company, or is not enjoying other benefits such as:

Sickness benefit; Death pension; Maternity pay; Retirement; orPermanence in service allowance.

It is important to note that the new value of the minimum wage takes into account the inflation accumulated in the last 12 months until November, which reached 3.85%, added to three percentage points referring to the growth of the country’s Gross Domestic Product (GDP) in 2022.

Contribution models for retiring through the INSS

There are two types of INSS contributions, mandatory and optional. The difference between each of them consists of whether or not a paid activity is carried out. Understand below!

Individual contribution

In the individual, or mandatory, contribution, the taxpayer is obliged to pay the INSS on their monthly remuneration. In other words, he works in a paid activity and is obliged to pay the institute.

Optional contribution

Meanwhile, in the optional contribution, the taxpayer is the one who does not carry out remunerated activity, but wishes to collect and have the protection of Social Security.

He is not obliged to pay INSS, but he can preserve his social security rights in terms of pensions, retirement benefits and sickness benefits.

It is worth noting that if the worker makes the social security contribution in the wrong category, he may lose rights.

Furthermore, it is important that the worker takes special care with the regularity of social security contributions.

How to retire through INSS without having contributed?

The question that prevails among workers is: "can I receive retirement without having contributed?" The National Social Security Institute (INSS) finally took a position on the controversial topic.

Retiring through the INSS is one of the worker’s greatest desires after long years dedicated to their career. So the answer is, yes! An elderly person over 65 or people with disabilities can benefit without ever having contributed to the INSS.

This type of retirement without contributions consists of the Continuous Payment Benefit (BPC). The resource guarantees a minimum monthly wage for the elderly and people with disabilities (PWD) who prove that they do not have their own means of subsistence.

The release of the benefit is the responsibility of the INSS, although it is not social security in nature.

Currently, the legislation that governs the benefit determines that elderly people or people with disabilities, whose monthly per capita family income is equal to or less than 1/4 of the minimum wage, can be supported by the resource.

Who is entitled to retirement without contributions?

The annual adjustment of the minimum wage directly affects not only the value, but also the BPC rules.

This is because monthly per capita family income is one of the main requirements for granting the resource.

Considering that the current minimum wage is R$1,412, citizens who receive the BPC or those interested in requesting the benefit must respect the monthly per capita family income limit of R$330.00.

The second essential criterion for receiving the BPC is to be duly registered in the Single Registry (CadÚnico), which consequently generates the following list of criteria:

Situations of vulnerability in family relationships; Level of provision of community services and their adaptation; Economic deficiency and expenses incurred with the condition; Age; Analysis of the history of disability; Aspects relating to occupation and potential to work.

Therefore, even without having contributed to the INSS throughout their professional life, some Brazilians may have access to retirement through the Continuous Payment Benefit, as long as they meet the criteria established by current legislation.

More about INSS: Find out if you can STILL request a review of your INSS benefit: amounts may increase!

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