From January 1st, there will be changes to the minimum age and points required for retirement, applicable only to those who contributed before November 13th, 2019
Workers who started their contributions before the Social Security reform and have plans to retire in 2025 should be aware of the changes in the rules. From January 1st, there will be changes to the minimum age and the score required for retirement, applicable only to those who contributed before November 13th, 2019. For the year 2025, the minimum age required will be 59 years old for women and 64 years for men. This age will increase by six months annually until reaching 65 years for men and 62 years for women, with the targets being reached in 2027 and 2031, respectively. In addition, women will need to prove 30 years of contributions, while men must be 35 years old.
The score, which is the sum of age and contribution time, will also undergo adjustments in 2025. Women will need to reach 92 points, while men will need to reach 102 points. From 2026, this minimum score will increase by one point per year, until reaching 100 points for women and 105 for men in 2033. The transition rules will remain unchanged in 2025, maintaining the minimum age of 62 for women and 65 for men, in addition to requiring a minimum of 15 years of contribution. For teachers, the new requirements will also apply, with the score rising to 100 points for women and 105 points for men, and the minimum age of 54 years for women and 59 years for men.
The retirement benefit calculation now takes into account all contribution salaries since July 1994. The retirement amount will be 60% of the average salary, with an additional 2% for each year that exceeds 15 years of contribution for women and men. 20 years for men. In 2024, the INSS ceiling is R$7,786.02, while the floor is a minimum wage, which corresponds to R$1,412. Workers have the option of simulating the time remaining until retirement through the Meu INSS website or application. However, it is important to highlight that this simulation does not guarantee the right to retirement. Therefore, it is advisable that taxpayers check that the information in the National Register of Social Information (Cnis) is up to date and correct.
Published by Sarah Paula
*Report produced with the help of AI
