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Anyone who asks for INSS retirement at the wrong time can forgo a considerable portion of the income that he will receive until the end of his life. To avoid this loss, however, much attention must be paid to the benefit rules, which can vary considerably depending on the profile of each worker.
Applying for retirement as soon as the conditions are met is an attitude that pays only for the insured, most of whom are low – which gives rise to a minimum wage, regardless of the length of the payment period – or to those who fulfill the conditions at a later age.
The worker who has always contributed to the values above the wage floor of the country should however consider postponing retirement until he meets the requirements necessary to cancel or reduce as much as possible reduction of the social security factor, and the calculation with the 85/95 formula is the main shortcut to achieve this goal. However, delaying retirement to earn more is not a recipe that will work for all insured.
In certain situations, the conditions of retirement are fulfilled so early that with a benefit impaired by the factor, the insured will receive the rent for such a long period that it will offset the disadvantage of A reduced salary
"we recommend: how long it takes for the insured to make up for the postponement period of retirement," says lawyer Luiz Veríssimo of Ieprev (Institute of Social Security Studies).
ANTECIPAR BENEFIT REQUIRES ATTENTION
The worker who did the bookkeeping and even decided to retire early should pay extra attention with personal finances.
Staying employed and applying at least part of the medium and long-term insurance investment retirement, as do some treasury bills, is an interesting strategy for saving in favor of old age, while the costs health care usually increases.
ANNIVERSARY AND THE FACTOR'S TABLE
Each year in December, the INSS adopts a new table of social security factors, adjusting it to the life expectancy of the population published at the same time by the IBGE (Institute Brazilian Geography and Statistics). This change, in practice, annually increases the discount on retirees' income.
To reduce the impact of the factor, the insured should consider the date of change of the chart. The damage will be less for anyone who requests the benefit until November 30th.
But, more importantly, it is the birthday of the insured. Retiring shortly after completing another year of life will have an advantage over the request made a few days earlier.
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