Check the rights of those who apply for retirement at the INSS – Economy

For almost 30 years, Brazilians have adopted legislation that broadens access to pensions,

The possibility of accumulating pensions and pensions, or two, if one of them falls under the civil service, is the one of the rights often ignored, according to Tonia Galleti, legal coordinator of the Sindnapi (National Union of Retired).

In this case, ignorance causes irreparable harm.

"Many people do the same. mistake to believe that they will lose their retirement or pension by asking for another benefit, "says Tonia.

The loss of rights also encourages retirees who return in the labor market to give up their employment history, says labor lawyer Alan Balaban.

"It's the opposite of what they think: the portfolio registration guarantees the rights," he says. 19659003]

"This includes the working retiree," he explains.

If you stay in the job market, for example, paid leave, a fine and severance pay are some of the benefits of formal employment the company where he has retired, the insured always has an additional labor right: withdraw monthly the funds that the employer deposits on the account of the Fund

VARIABLE RULE BY CATEGORY

Retirement or age-related entitlements may vary depending on the occupational category or place of residence of the employee. citizen, which confuses the population, explains Tônia Galleti, of Sindnapi.

"I think An example of this difficulty for pensioners is the exemption provided in the IPTU [Imposto Predial e Territorial Urbano] because the rules can change depending on the city. "

Stability in the period before retirement also creates a doubt, says lawyer Alan Balaban.]" The settlement changes depending on the professional category. The rule should be consulted in the collective agreement. "

WHAT IS POSSIBLE TO GUARANTEE

The worker who retires from the INSS has rights that go beyond the benefits. are valid even before retirement:

1. Stability before retirement

– There is stability for the categories for which this rule is recorded in collective agreements

– The period of

– As a general rule, it takes between one and three years for the worker to qualify for the benefit

– The length of the professional's home is also stable before retirement

guarantee

– The guarantee terminates when the employee acquires the right to retire

– Stability will be closed even if the employee decides not to claim the benefit

– Termination for just moti f or the termination request cancels the stability

2. Cash withdrawals

Retirees have the right to access the work of the government:

Guarantee Fund

– He is authorized to withdraw the entire amount of his accounts FGTS

– When you change jobs, the pensioner only receives the balance of the guarantee fund that at the end of the contract

– If you continue to work in the same company, 19659003] PIS and Pasep

– Savings must be redeemed at the savings bank and Pasep must be withdrawn from the bank of Brazil. Brazil

Termination benefits

Upon retirement, the employee is not obliged to resign. He also does not need to talk to the boss about his retirement. But if the retiree is dismissed, he is entitled to the following funds:

– Salary of notice

– 13th proportional salary

– Salary of proportional leave (with an increase of one-third)

– 40% fine on the rest of the FGTS accumulated in employment

3. Health Plan

– The retiree can maintain the company's health plan s & # 39, he paid part of the monthly payments

– To respect the agreement, it is necessary to pay the part that the employer has paid for the operator.

– The year in which the employee has the business plan is equivalent to one year of maintenance of the agreement

– If the plan was paid for ten years or more, the rights are retained for as long as the plan is in effect. enterprise provides them

4. Accumulation of benefits