Planning to retire in 2024? Get to know the new rules so you don't get surprised!

Retirement is something many want, but the rule changes may take some by surprise. Check out what they were!

In 2024, Brazilian workers who plan to retire need to be aware of the new retirement rules that are already in force.

These changes, which make the requirements stricter, affect both retirement by contribution time and by age. Check out!

If you want to retire as soon as possible, check the rules that are in force! / Credit: @jeanedeoliveirafotografia / pronatec.pro.br

Understand the change in pensions

In principle, to retire based on contribution time, women must have contributed for 30 years and men for 35 years. Furthermore, there is a minimum age: 58 years and 6 months for women and 63 years and 6 months for men.

In terms of retirement due to age, from 2024 onwards, women must be 62 years old and have 15 years of contributions, and men must be 65 years old with 20 years of contributions.

It is important to highlight that these requirements apply to those who started contributing after the pension reform of 11/13/2019. In other words, anyone who has contributed before follows the transition rules.

Changes until 2031

Furthermore, the 2019 pension reform established progressive changes in the minimum retirement age, which will take place until 2031.

For women, for example, the minimum age will increase by six months each year, reaching 62 years in 2031.

Now, for men, the progression will last until 2027, when they will reach the age limit of 65.

Be careful when retiring

With these changes, it is crucial to have adequate planning for retirement. Each case is unique, and understanding the rules can ensure a smoother transition into this new phase of life.

Find out more: Never contributed to INSS? Find out how to REQUEST your retirement

Are you going to retire? See other available options

In general, retirement in Brazil has several modalities, in addition to the traditional ones based on contribution time and age.

Special retirement

Firstly, it is aimed at workers exposed to conditions that are harmful to their health or physical integrity.

To be entitled to this modality, the worker must prove exposure to harmful chemical, physical or biological agents for a period of 15, 20 or 25 years, depending on the degree of exposure.

By disability retirement

It is then granted to workers who, due to illness or accident, are considered incapable of carrying out their activities or any other function that guarantees their livelihood.

This retirement is preceded by sickness benefit, as long as the incapacity is permanent.

Teachers’ retirement

Finally, this is aimed at teachers who have proven time in effective teaching roles in early childhood education, primary and secondary education.

The requirements for this retirement include 25 years of contribution, if a woman, and 30 years, if a man, in addition to a reduction in the minimum age in relation to other modalities.

What other benefits does INSS pay?

It is worth remembering that the INSS manages a range of benefits in addition to pensions, such as:

Sickness benefit: for workers who are temporarily unable to work due to illness or accident. To be entitled, you must have contributed for a minimum of 12 months, except in the case of an accident at work or specific illnesses provided for by law; Death pension: in this case, the benefit is paid to the dependents of the deceased worker who was INSS insured . There is no need for a minimum contribution period if death results from an accident at work; Prison aid: lastly, it is intended for dependents of INSS insured persons who are imprisoned in a closed or semi-open regime, as long as the last contribution salary of the insured does not exceed a value defined by law.

Each of these benefits has specific and important criteria for its granting, requiring policyholders to pay attention to the rules and documentation necessary to apply to the INSS.

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