What is the age to retire by age at INSS?

Опубликовано: 16 Март 2026
на канале: Ingrácio Advocacia
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📲 Instagram Celise Beltrão
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It is possible to retire by age, having only 15 years of contributions, before the age of 65 (if male) or 62 (if female). Understand how, in this video, with me!

My name is Celise Beltrão, a social security lawyer and partner at Ingrácio Advocacia, in Curitiba.

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Although most people think that retirement by age is only possible at 65 (men) or 62 (women), there are rules in the INSS (Brazilian National Social Security Institute) that allow for early retirement.

Women can retire by age at 55, under two special rules: the Disability Retirement and the Rural Retirement.

For example, a woman who was born with monocular vision and has contributed for 15 years can retire upon reaching 55 years of age.

The concept of disability is broader than many believe.

It can include conditions such as cancer, heart problems, and syndromes like carpal tunnel syndrome, as disability is not related to a specific diagnosis, but to the barriers a person faces in living on equal terms in society.

It's always good to remember: having a disability does not mean being incapable of working. They are different things.

In addition to disability retirement, there is also Rural Retirement, which allows women who work in the countryside to retire at age 55, provided they can prove 15 years of rural activity.

These retirement rules are also possibilities for men, but they need to be 60 years old – five years less than the general rule!

This difference in the minimum age required can result in a considerable number of additional installments. More free time and more money in your pocket… That's why starting retirement planning around age 50 is crucial!

Good planning allows you to correct pending issues, gather the necessary documentation, and adjust your contributions in advance, guaranteeing a more advantageous benefit and a smoother process.

Time is an ally in retirement planning! The sooner you prepare, the more chances you will have to improve the value of your benefit.

Don't wait for the INSS (Brazilian Social Security Institute) to inform you of your rights! It is essential that you have a solid plan and know exactly when and how to apply for your retirement.

Create a retirement plan with a trusted social security lawyer to take control of your future retirement and achieve the best possible benefit!

Chapters
00:00 Introduction
00:29 What is the age to retire by age at INSS?
02:20 Who can qualify as a person with a disability?
05:08 What to do before retiring?

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Ingrácio Advocacia is a law firm specializing in retirements and other Social Security benefits. Since 2003, we have helped people discover the path to the best possible retirement.

📧 Contact: [email protected]
CNPJ: 06.029.225/0001-57

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