Retirement points based on contribution time and age have changed; Pension reform established automatic transition rules
Anyone who is about to retire needs to be careful. The Social Security reform, enacted in 2019, established automatic transition rules, which change the granting of benefits each year.
The retirement score based on contribution time and age has changed. Read below the changes that come into effect this year.
Retirement based on contribution time
The Social Security reform established 4 transition rules, of which 2 determined changes at the turn of 2024 to 2025. In the first rule, which establishes a transition schedule for rule 86/96, the score composed of the sum of age and years of contribution rose in January: to 92 points (women) and 102 points (men).
Servers are subject to the same scoring rule, with the difference that they must be 62 years of age and have 35 years of contribution (men), 57 years of age and 30 years of contribution (women). For both sexes, you must have 20 years in public service and 5 years in office.
In the second rule, which determines a lower minimum age for those who have been contributing for a long time, the minimum age to apply for the benefit increased to 59 years (women) and 64 years (men). The Social Security reform adds 6 months to the minimum ages each year until they reach 62 years old (women) and 65 years old (men) in 2031. In both cases, the minimum contribution time required is 30 years for women and 35 years for men.
Teachers
In relation to teachers, who obey a transition rule based on the length of time they have contributed to the teaching role combined with the minimum age, women start to retire at 54; and men, at 59 years old. The age is increased by 6 months each year until reaching the limit of 57 years for women and 60 years for men, in 2031.
The minimum contribution time to obtain retirement as a teacher is 25 years for women and 30 years for men. The rule applies to teachers in the private sector, federal educational institutions and small municipalities. State and large municipal teachers obey the rules of their own Social Security regimes.
Retirement by age
Since 2023, the rule for retirement by age has been fully in force, aimed at low-income workers who contributed little to Social Security and would retire by age under the old rule.
For men, the minimum age has been set at 65 years since 2019. For women, the transition age has been set at 62 years since 2023. For both sexes, the minimum contribution time required to retire by age is 15 years.
When the Social Security reform was enacted in November 2019, the minimum age for women was 60 years old, increasing 6 months per year over the following 4 years. It rose to 60 and a half years in January 2020, to 61 years in January 2021, 61 and a half years in 2022 and 62 years in 2024.
Rules that won’t change
As it has already been complied with, the 100% toll rule on contribution time will not change in the private sector. Anyone over 60 years of age and 35 years of contributions (men) or 57 years of age and 30 years of contributions (women) can retire. The rule established that the insured person must serve twice the remaining period before retiring when the reform was enacted in 2019.
In public service, some will have to wait a little longer, because, in addition to the toll, it is necessary to have 20 years of public service and 5 years in office. In theory, anyone who started contributing to Social Security at a very young age and entered public service at least 20 years ago still has the possibility of benefiting from the rule in 2025.
The reform had another toll rule, this time for the private sector. Anyone who was up to 2 years away from retirement in 2019 had to complete 50% more in relation to the time left until retirement. However, this transition rule has been fully complied with and will no longer benefit anyone in 2024.
In the broader scenario, anyone who would work for an additional 2 years in 2019 had to work 1 extra year, totaling 3 years. At the end of 2022, everyone who was covered by the 50% toll rule has already retired.
Simulations
The INSS (National Social Security Institute) allows retirement simulations on your computer and cell phone.
Computer simulation:
- Enter the website and enter your CPF and password. If you don’t have a password, register one;
- Go to “Services” and click on “Simulate Retirement”;
- Read the information that will appear on the screen. The site will show your age, gender and contribution time, as well as how long you have until retirement, according to each of the rules in force.
Simulation on cell phone:
- Download the Meu INSS app (available for Android and iOS);
- If necessary, click on the “Login with gov.br” button and enter your CPF and password. If you don’t have a password, register one;
- Open the side menu (at the top left) and click on “Simulate Retirement”;
- Read the information that will appear on the screen. The website will show your age, gender and contribution time, as well as how long until you retire, according to the rules in force;
- If you need to correct any personal data, simply click on the pencil icon (on the right).
The insured can save the document with all simulation data. Just click on “Download PDF”.
With information from .
