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Rio – Pension reform remains a mystery and, apparently, there is no consensus on changes to the social security rules or even within the government. For example, the minimum age of admission of women to benefits, between 57 years (Bolsonaro), 62 or 63 years, according to one of the minutes given to the president, and 65 years. The latter was part of the Temer Reform pack packed in Congress and from there, it is not even accompanied by a strong prayer!
The proposal would also focus on increasing contribution time to 40 years to guarantee the right to full benefit. The entry or no army in the text is also an unknown.
Without consensus on the new social security rules, salaried employees, civil servants, soldiers, independents and beginners do not know how to do it. how to proceed and how to prepare for what is coming. This is the case of Fabiola França Soares, a 36-year-old resident of Tijuca, who began contributing to social welfare at the age of 24 and who is now concerned about the extension of the minimum age.
"Lack of clarity, especially in minimum age Paulo Guedes speaks of one thing, Rodrigo Maia [maire] and Onyx Lorenzoni (Minister of the Civil House) deny everything others say." We are confused ", he criticizes. "Everything is very vague," says Fabíola, who pays private pensions to ensure a reinforcement of the retirement money. "If that's the case," he laments.
According to the student and young apprentice Laura Alves Fulop, 20, a neighbor of Fabíola, retirement is a very distant future. The young woman, who took a photography course and swallowed the bag taking a photo at parties and events, began contributing to the INSS a few months ago, but understands that changes are needed.
"I think they have to happen, otherwise we run the risk of no longer having money in the future to pay pensions," says Laura.
Laura claims that although she had tried to create a private pension plan, she had reduced funds and rates that accompanied the monthly payment. plan. For the artisan Olindina Alves de Oliveira, 58, resident of Vila Isabel, the news that Bolsonaro will lower the minimum age of the woman from 60 to 57 is celebrated.
"If this happens, I give access to my
" For 24 years and eight months, I have benefited from the reduction on the paycheck, but for three years I have been collecting as CNPJ (legal entity) due to the manufacture of leather and fashion parts. "
" When the president leaves the hospital, he will decide what is going on or not in the proposal that will go to the hospital. "
Dininha does not believe in an increase in the age of women to be able to retire, according to the INSS:
to hand over to the House."
A measure recommended by the Lawyer Adriane Bramante, president of the Brazilian Institute of Social Security Law (IBDP), must be respected by all workers, even if the reform does not occur: maintain social security contributions, even at lower rates, as an optional contributor, so as not to lose the service time account. "
The mandatory contribution would increase from 15 to 20 years
One of the proposals reviewed by the government, which creates a minimum age of 65 for men and women who are starting to contribute from the publication of the new rules, increases the compulsory contribution period from 15 to 20. However, the Bolsonaro team has claimed to be only one suggestion among the two. others under discussion
Text provides transition points for those who are already insured or contribute prior to the publication of the reform Retirement with a minimum age would come when there would be a contribution period of 30 years (female) and 35 years (male), provided that the sum of the age of the contribution period reaches 86 and 96 points, respectively
This score would be valid as a general rule access to benefits for those who complete it by the end of this year. As of January 1, 2020, the requirement would increase by one point each year, up to 105 points for women and men.
The proposal creates a new calculation of the value of retirement: for those with up to 20 years of contribution, the benefit is 60% of the average of all contributions paid since July 1994. Each year additional collection adds 2% of the average salary to the benefit.
The text gives access to the benefit for people close to retirement: does not require the punctuation of the insured that within five years of the retirement approval, complete the contribution period of 30 years (female) or 35 years (male). But in this case, the value of the benefit would be calculated with the social security factor
. A minimum income of R $ 500 is also badyzed for low-income people who can not support themselves at age 55. From age 65, the benefit would increase to $ 750.
See below what can change
1 – Minimum Age
In one of the versions designed by government technicians, a minimum age requirement to apply for a retirement that would gradually increase to reach the level of 65 for men and women. Which runs up against the president himself. Bolsonaro has always wanted a lower level for women and has already stated that the minimum age should be 62 for men and 57 for women. Another option to study is that of 65 years old (men) and 63 or 62 years old (women).
2 – Capitalization System
The worker will accumulate money while working. But you can defer your savings on
to any bank offering better returns. If the worker is decapitalised, the system will have to provide some kind of minimum income to this population.
3 – Rural Worker
In retirement, it would be after 60 years for men and women, with time. minimum contribution of 20 years. Today, men can retire at age 60 and women
at age 55.
4 – Special Retreat
At the time of contribution to the risky activity, it would remain 15 years, 20 years or 25 years, depending on the profession. But retirement would depend on a minimum age with the criterion: 55 years old, when there is a special activity of 15 years of contribution; 58 years old, when it comes to a special activity of 20 years of contribution; 60 years old, when it comes to a special 25-year contribution activity.
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