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Retirement with all the benefits will be even more difficult if the measures included in the text of the text of the pension reform that should be presented to Congress by Jair Bolsonaro's economic team are approved. The preliminary version provides for the continuation of the 86/96 formula to equal men and women in 105 points, which would occur in 2038 (see table below). However, unlike today, achieving this number of points would not guarantee a complete retirement, but would allow insured persons to retire at 60% of the average. To be entitled to 100% of the benefit, according to the proposed new rule, he must have contributed for 40 years – 2% are added each year after 20 years of contribution
The director of the Institute of Social security studies, Luiz Felipe Veríssimo believes that The purpose of the measures is to postpone retirement applications even without a minimum age for those who are already on the market. Under the new rules, the minimum age would be 65, which would only apply to new workers, that is, to those who start contributing.
– We do not know yet about the official proposal, because it has not yet been sent to Congress, but in the beginning, the idea seems to be the good.
Today, to have access to retirement at the INSS, the 86/96 formula is used: 86 points for women and 96 points for men. These points are the sum of age and contribution time. This formula is progressive and would reach 90/100 on December 31, 2026, with an interval of two years between each increase. EXTRA had access to a proposal, which would be the preliminary version that will be put to the vote in Congress. In an interview with Jornal da CBN on Tuesday morning (05/02), the chief minister of the Civil Cabinet, Onyx Lorenzoni, however, said that the reform of social security would not be such. However, if this text is actually presented to Congress, one of the changes that would be voted on is the extension of this formula until reaching 105/105, which equals equality between men and women. Since men would reach this mark in 2028 and women in 2038.
To calculate the year of their retirement, in accordance with the rules outlined in the reform project, INSS policyholders must therefore add according to their age. with the current contribution time. For example, a 55-year-old worker who has started contributing 25 years, with no interval in data collection from the INSS, will have 30 years of contributions, which will give him 85 points (55 plus 30). Each year, he should add two points: one age and the other contribution. Thus, in two years, it will have 89 points, which will allow women to retire in 2021, when the formula will be 88/98, according to the table opposite. The man in this situation has not yet reached the minimum points and will have to continue working until 2029, by which time the formula will already be in 96/105.
Longer contribution period
Another change is that today the formula guarantees a complete retirement, but according to the preliminary text, the formula will guarantee the right to retire alone. with 60% of the total amount, reaching 100% after 40 years of contribution
In other words, the woman in the above situation, aged 30 to 55 today, would be able to take her retirement. in 2021 with 32 years of contributions and 57 years, but would receive only 84% of the total amount of his benefit. In fact, 2% are added for each contribution year that exceeds the 20-year collection period. In this way, the 60% guaranteed by the formula would be increased by 24%, because they have contributed for 12 years beyond 20 years. To reach 100%, one would have to work for another eight years to complete the remaining 16%. Thus, he would retire with 40 years of contribution and 65 years.
For teachers who prove that they effectively practice their profession in elementary and secondary education, the rules would be lighter: the sum would start with 81 points for women and for women. 91 points for men.
The draft proposal also predicts that the minimum ages for the granting of social security benefits will be adjusted in case of increased expectations of survival of the Brazilian population. But for the specialist in social security law, Luiz Felipe Veríssimo, this type of adjustment does not correspond to the reality of the workers.
– It is imprudent to be able to increase the minimum age according to survival, because the fact that people live longer means that people can work longer. In addition, the life expectancy varies considerably according to the country's states – stresses Veríssimo
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