learn how to contribute to the INSS alone in 2024

Learn how to contribute to the INSS in 2024 on your own and secure your social benefits. Learn the essential steps here!

Contributing to the National Social Security Institute (INSS) is essential to guarantee access to social benefits in Brazil.

In this guide, you will learn how to contribute on your own in 2024, following the necessary steps to keep up with this obligation and ensure your rights.

Independent contribution to the INSS in 2024: find out how to keep your social security rights up to date. (Credit: @jeanedeoliveirafotografia / pronatec.pro.br).

How to pay INSS on your own?

It’s simpler than you might think. Below, see the step by step:

1. Check your situation

Before starting the contribution process on your own, it is important to assess your professional situation.

If you do not work for a Legal Entity and are not covered by Simples Nacional, you are considered an individual taxpayer and must follow the steps below.

Find out more: INSS Life Proof: see a guide for taking it online in 2024

2. Choose the type of contribution

When contributing on your own, you can choose between the "Traditional Plan" and the "Simplified Plan". Your choice of plan will affect the amount of your contribution and the benefits to which you are entitled.

Traditional Plan: In this plan, the contribution is 20% of the salary, with a minimum contribution based on the minimum wage (currently R$1,412) and a maximum contribution defined by the INSS ceiling (R$7,507.49). Self-employed professionals who serve Legal Entities can have a 45% reduction in the value of the contribution, since companies must pay 11% to the INSS as a paying source. Simplified Plan: In this plan, the contribution is only 11% of the salary value Minimum. However, only professionals who do not work for companies and do not have an employment relationship with Legal Entities can choose this option. The reduced contribution does not allow for retirement based on length of service; The benefit is only granted upon reaching the stipulated age.

3. Issue the INSS Guide

Namely, the Social Security Guide (GPS) is the document necessary to make the monthly or quarterly payment to the INSS. Follow the steps below to issue your guide:

NIT/PIS Identification: Make sure you have the Worker Registration Number (NIT). If you don’t have one, register on the INSS website, in the "My INSS" section, to obtain the number. Choose the month of contribution: Indicate the month for which you want to make the payment. Generally, this month is the previous one or another in the past. Collection type code: Select the code corresponding to the chosen type of collection, be it Normal Plan or Simplified Plan, and whether payment is monthly or quarterly. The codes are as follows: Normal Plan: 1007 (Individual taxpayer – Monthly) or 1104 (Individual taxpayer – Quarterly). Simplified Plan: 1163 (Individual taxpayer – Monthly) or 1180 (Individual taxpayer – Quarterly).

4. Payment deadlines

Remember that the deadline for collecting INSS is the 15th of the month following the contribution month. You also have the option of paying quarterly, considering the three months prior to payment.

The delay is not considered in these months paid together, as the calculation period is always before payment.

What are the values ​​of INSS contributions in 2024?

In 2024, contribution amounts may vary between 5% and 20% of salary, depending on the type of plan chosen and whether you work for a Legal Entity.

However, it is important to check the rates and rules in force in the current year to ensure that your contribution complies with the legislation.

Who can contribute to INSS in 2024?

Remembering that all professionals who receive remuneration for their work must contribute to the INSS.

There are mandatory taxpayers, who work and receive remuneration, and optional taxpayers, who do not carry out paid work, such as housewives or unemployed people who wish to maintain payments.

How to recover late payments?

Finally, if you forgot to make contributions in previous periods, it is possible to recover late payments of up to 5 years. This is important, above all, to ensure that all years of work are counted towards future benefits, such as retirement.

In short, with this information and following the correct steps, you can contribute to the INSS on your own in 2024, guaranteeing your social security and access to the various benefits offered by the National Social Security Institute.

Therefore, be sure to fulfill this obligation and secure your financial future and that of your family.

More about INSS: INSS 2024: step-by-step guide to check approval of your benefit

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