IS IT MEI? So see how to correctly plan your RETIREMENT!

Brazilians who fall into the category can have access to social security benefits from the INSS (National Social Security Institute). Understand.

Embarking on the Individual Microentrepreneur (MEI) journey is a courageous step towards independence and professional fulfillment. However, when registering in the category, Brazilians start to worry about the future, more specifically about retirement.

Unlike workers with a formal contract, who have a clearer pension path, MEIs face other challenges when it comes to retirement. Continue reading to find out what the category’s pension rules are.

Discover how to plan your retirement as a MEI – Credit: @jeanedeoliveirafotografia /

Challenges of retirement for MEI

MEI retirement planning is a necessity. After all, ensuring a safe and comfortable future requires attention and care from the first steps into the world of entrepreneurship.

Some mistakes, however, can harm the microentrepreneur when applying for retirement. Check them all out.

Ignorance of INSS Rights

Many MEIs believe that anyone who chooses the category is giving up social security benefits. It’s not quite like that. Microentrepreneurs have access to the INSS (National Social Security Institute), as do formal workers.

What changes is the monthly contribution. The MEI must pay the DAS (Simples Nacional Collection Document), which corresponds to 5% of the minimum wage. It is worth highlighting that access to INSS is seen as social security and not as an investment. Therefore, DAS is mandatory.

Unnecessary additional payments

It is possible to pay a supplement to the DAS, through the GPS (Social Security Guide). However, it is not always the best path.

Once social security is guaranteed, it is recommended to opt for other options to complement retirement.

Neglecting to pay DAS

Failure to pay the DAS guide for more than a year is a mistake that can have serious consequences. In addition to accumulating debts with the Federal Revenue Service, the MEI loses its status as an insured person, directly affecting access to social security benefits.

Unnecessary Contributions in Code 1163

Finally, the last error. Using Code 1163 without careful analysis can be a waste of resources. This modality does not use the retirement contribution time rule, which can lead to inefficient financial planning.

Understanding the different contribution categories and how they impact future benefits is crucial. If necessary, seek help from an accounting or legal professional.

How to issue the DAS

The DAS can be issued through the Entrepreneur Portal, on the Federal Revenue website: Just click on the option, ‘I’m already MEI’ and follow the instructions on the page.

If you have not yet registered in the category, you can do so through the Entrepreneur Portal. The process is completely free. Some criteria must be met. Check them all out.

Carry out one of the activities permitted by the Revenue;Respect the revenue limit of up to R$81 thousand per year;Finally, pay the DAS every month.

Category advantages

In addition to access to retirement, the MEI can receive other benefits from the INSS. If you meet the eligibility criteria, Brazilians are entitled to maternity leave, sickness benefit, disability retirement, among others.

Furthermore, the category has a reduced and simplified tax burden. In a single bill – the DAS – it is possible to pay taxes and social security contributions.

Finally, Brazilians can issue an invoice, which guarantees greater credibility in the work and increases the range of clients.

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