How much do people who contribute to the INSS retire with?
This is the link to speak with our team: https://bit.ly/youtube-ingracio
📲 Instagram Celise Beltrão
@celisebeltrao - / celisebeltrao
Everyone wants a high retirement pension! But to achieve a good benefit, you need to understand how INSS (Brazilian Social Security Institute) pensions are calculated and plan ahead!
My name is Celise Beltrão, a social security lawyer and partner at Ingrácio Advocacia, in Curitiba.
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The value of your retirement pension depends on the value of your contributions to INSS! Not just the ones you are paying now, but everything you have paid up to now and will pay until you retire.
Each INSS (Brazilian National Social Security Institute) retirement rule has its own calculation method, but the basis for almost all of them is the same: the average of all your contributions, adjusted for inflation, since July 1994.
In other words, to know how much you will receive in retirement, it is necessary to understand all your past contributions since July 1994, and how you will contribute from now on.
If you spend your entire life contributing based on the minimum wage, there's no miracle: your retirement will also be the minimum wage.
However, if you had higher contributions throughout your life, you may end up earning more, as your average will be higher.
This is the reality for many Brazilians: they start earning the minimum wage, but progress in their careers and their salary increases; they become unemployed and contribute less; they start earning well again, as a self-employed worker or under CLT (Brazilian labor law); they decide to become entrepreneurs and pay based on the minimum wage.
All these periods are included in the calculation of the retirement benefit amount.
A positive change from the 2019 Pension Reform is the Salary Discard Rule.
With this rule, if you have sufficient contribution time, you can discard low contributions that are reducing your average. By increasing your average, you can increase the final value of your retirement pension.
However, discarding salaries means throwing away contribution time, which also reduces the percentage you are entitled to under certain rules, such as Age-Based Retirement. Therefore, it is something that should be done very carefully to ensure a good result.
Make a retirement plan with a trusted social security lawyer to safely discard salaries and achieve the best possible retirement pension!
Chapters:
00:00 Introduction
00:25 What does the INSS (Brazilian National Institute of Social Security) analyze when calculating the retirement pension amount?
03:40 Possibility of discarding salaries
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Ingrácio Advocacia is a law firm specializing in retirement pensions 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
#INSSRetirementValue #Ingrácio