Focus on Integral Income: Learn to Earn More Retirement at INSS

SÃO PAULO, SP (FOLHAPRESS) – The greatest desire of the insurer INSS (National Institute of Social Security) is to earn a retirement that does not reduce their income so much. For this, simply plan and reach the conditions that guarantee the greatest retirement possible according to your professional profile.

For those who look at full income, there are certain 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. At the age of 15, the initial income will be 85% above average and, with 30 years of INSS, it is possible to receive 100% without discount on income.

FAVOR FACTOR [19659002] In pensions by time of contribution, which determines the value of the benefit, it is the factor of social security. 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.

CONTRACT OF ORGANIZATION SUPERIOR CONTRIBUTIONS

The Rules

However, to know this value, the INSS considers only the premiums of the senior insured 80% from July 1994. Previous periods only count as working time.

The insured can do a simulation of the value of the benefit in the site inss.gov.br, in the post "Simulation"

WARRANTIES OF. RISK ACTIVITY BETTER ACCOUNT

Retirement without Social Security Factor discounts can also be obtained by workers who carry on their activities in a place considered to pose a risk to health. 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 (Profisiográfico Previdenciário)