The 85/95 retirement application must be made until December 31st



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Insured persons of the National Institute of Social Security (INSS) who wish to retire with all benefits this year must apply until 31 December. After that date, the 85/95 formula, which guarantees the completeness with the sum of the age and the contribution period, will change and Rule 86/96 will come into force, as provided by law.

The 85/95 formula is the equation in which the sum of the age and the timing of the contribution must give 85 for the woman or 95 for the man, so, the experts say that workers must be vigilant and check in the National Register of Social Information (CNIS), if the criteria

– The insured must check in the "My INSS" s' he has already fulfilled the criteria to apply for the benefit. If everything is correct, the request must be made before December 31, before changing the rule. Veríssimo also points out that, if the insured do not apply, they will need the formula 86/96, which is progressive – explains Luiz Felipe Pereira Veríssimo of the Institute of Social Security Studies (Ieprev).

Insured persons who have perceived themselves as independent for a certain period of their working life should be aware, as these cases are those that usually appear with errors in the INSS register. If there is an error, the insured must have the documents that prove the period worked and the contributions.

If the person does not reach this score, she can still claim her retirement, but the calculation will suffer the application of the social security factor,

when it was approved, the Social Security Act established the progressivity of the 85/95 formula, that is to say that it increases by one point every two years so that it is possible to request full retirement, until reach 90/100 on December 31, 2026.

Enter "My INSS"

In order to make the operations available in the "My INSS" portal, how to check the contribution time, it should be noted that a record in the service. You must enter a full name, CPF, date and place of birth and the name of the mother so that the system generates a temporary pbadword.

Once the connection is complete, a message will appear asking you to create your own pbadword.

The system also has a calculator, which also informs the worker of the number of points he has available to reach retirement based on the contribution time, taking into account the 85/95 formula. When considering the possibility of applying for retirement, the worker should contact the INSS to confirm if he can actually benefit from it.

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