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The greatest desire of the INSS (National Institute of Social Security) is to earn a retirement that does not diminish its income so much. For this, simply schedule and meet the conditions that guarantee the greatest retirement possible according to your professional profile.
Now shows the rules of the Social Security and who are the workers who can earn values equal to the average wage or,
For those who look at the complete income, there are ways. One is to apply for retirement with a greater number of contributions. Today, this benefit is granted with 15 years of contributions to the INSS for those who finish 60 years (female) or 65 years (male). The calculation of the monthly income of this benefit begins with 70% of average wage of the worker, with a 1% increase each year of contribution. After reaching the minimum of 15 years, the initial income will be 85% higher than the average and, with 30 years of INSS, it is possible to receive 100% without discount on income.
Favor Factor
contribution time, which determines the value of the benefit is the social security factor. For those retiring around the age of 50, the effect is the reduction of income. On the other hand, the postponement of retirement gives the insured a factor capable of increasing earnings.
One of the most interesting calculations for retirement by contribution time, however, is the 85/95. This rule prevents the reduction of the factor for which, in the sum of the age and the moment of the contribution reaches 85 (female) or 95 (male) points.
Corps Account Higher Contributions
Pension Fund Pension Calculation Rules
However, to discover this value, the INSS considers only the most insured contributions. 80% in July 1994. Previous periods only count as contribution periods
O
Risk activity provides better accounts
Retirement without social security factor discount may also be obtained by workers who perform activities in a place considered to be a health risk. In most cases, to have the so-called special retirement, the insured must have been engaged in an unhealthy activity for 25 years. But in the case of jobs considered riskier, such as mining, the requirement can fall to 15 years. For work done after April 28, 1995, it is necessary to check the exposure to the harmful agent with the forms. The document accepted today is the PPP (Profissiográfico Profissão Sociale)
The insured who asks for a larger pension must plan well the date on which he will apply for the benefit. The most common forms of having a higher benefit are:
1 – RETIRE AGAINST TIME OF CONTRIBUTION (Rule 85/95) In order to pay the benefit, the INSS calculates the average salary on the 80% of the highest contributions of the insured since July 1994 full benefit, will have the reduction of the social security factor.
Who obtains the 85/95: To benefit from a benefit without discount, it must be added, in the age and the hour of contribution, 85 points for women, or 95 points for men
The contribution time to the INSS must be 30 years for women and 35 years for men.
Warning: The rule is changing this year. As of December 31, the amount required will increase. It will be necessary to add 86/96; and every two years, the formula increases. On December 31, 2026, the progression reaches the score of 90 for women and 100 for men
2 – RETIREMENT BY AGE
Attention: The rule changes in this year. As of December 31, the amount required will increase. It will be necessary to add 86/96; and every two years, the formula increases. How it works: How it works: How it works: How it works: How it works: How it works: To retire according to the law. age, one must be 60 years old for women and 65 years old for men
Contributions to INSS: It takes at least 15 years of payments to the INSS. This minimum time is called grace.
How is the calculation : In this benefit, the INSS applies the following formula on the average salary: 70% + 1% each year of contribution = 85% (for those who have 15 years of INSS)
** Insured with 30 years of payments: with each year of contribution, 1% is added to the average salary of the worker. Discover the difference in value of retirement with each year of contribution: With 30 years of INSS, it is possible to earn 100% of income (70% + 30%) Contribution time [19659050] Average salary R $ 1,500
Social security allows retirees to earn an advantage greater than the average value of their wages. He paid. But this possibility only applies to those who delay retirement much, leaving the asking already in the house of 60 years. What happens in these cases is that instead of reducing the benefit, the social security factor increases the value of the retiree's income.
As it works – The social security factor is a number by which the INSS multiplies the average salary of the insured This number is formulated from three information acquired at the time of Retirement: – For those who retire with an age and contribution period considered to be low, the factor functions as a reducer. – On the other hand, with age and the upper recovery period, the factor increases the monthly income. The factor will always increase the monthly income when it is greater than 1 Average salary R $ 2,000
Average salary $ 2,500
Average salary R $ 3,000
Average salary $ 3,500
Average salary R $ 4,000 [19659054] Average salary R $ 4,500
Average salary R $ 5,000
1525
1650
1650
1650
1650
2,150
2,160
2 175
3,140
3,370
3,870
4,300
17 years of age
19659080] 3,160
3,360
3,360
3,360
3,960
]] 19 years
1335
1,780
2,170
2,670
3,160
3,560
4,005
] 2,250
2,700
3.175
3,600 [19659064] 4.050
4 .500
21 years
1,365
0
3,140
3,140
3,160
3,240
3,240
3,220
] 4,600
2350
2350
2350
2350
2,800
2,800
2,800
3,260
3,760
4 230
4,700
19659079] 3,300
3,360
3,360
3,840
4,750
] 4,800
2785
2745
1.455
] 8 years old
1,496
2,475
2,000
2,500
3.00
3,000
4,455
4,005 [19659069] 4,950
30 years of age
4,500
5,000
Having an above-average advantage
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