Debit will depend on voluntary unlocking by the retired or pensioner; measure follows the determination of the TCU after court rejecting funds from the Institute
The new president of the INSS (National Institute of Social Security), determined the automatic blockade of payroll loan discounts on all pensions and pensions, “regardless of the benefit grant date”Now, they can only be made if the beneficiary voluntarily unlocks the debt through the services provided by the Institute.
The decision was published in the issue of this Thursday (8.MAI.2025) in the DOU (Official Gazette). Read the document (PDF – 81 kB).
The measure is another unfolding of the case of fraud in the INSS. According to the (Federal Police), the scheme involved class entities that made discounts directly on the benefits of retirees and pensioners, without permission.
The amounts were charged as associative monthly fees – but without effective services.
TCU decision
The order signed by Waller Junior is based on the determination of the (Federal Court of Audit), which, on Wednesday (7.MAI), the INSS and associative entities in session marked by. This is the decision (PDF – 151 kb).
Such appeals contested a court of June 2024 of the Court that had already determined, among other measures to avoid fraud, “Automatic block for registration of new discounts, whether payable loan, are associative monthly fees for all INSS insured, regardless of the date of granting the benefit”Read that of the 2024 TCU judgment (PDF – 1.03 MB).
The TCU had determined the block after an inspection of the agency with the INSS and the Dataprev and the conclusion that there was “Control failures” e “Vulnerability in the system of blocking and unlocking discounts”.
“Thus, it cannot be performed that the payroll -consigned discounts related to loan and associative monthly fees are duly authorized by the benefits holders, especially regarding the discounts of associations and unions”The TCU understood in the report produced in 2024.
Operation “No Discount”
The theme of the INSS fraud gained strength after the PF on April 23 the operation without discount to investigate an improper discount scheme in Retirement and Pensions of the INSS. The operation fulfilled 211 search and seizure court orders and 6 temporary arrest warrants in the Federal District and 13 states.
According to the PF, the investigation identified the existence of irregularities related to the discounts of associative monthly payments applied to social security benefits, especially retirement and pensions, granted by the INSS.
The government reported that by 2023 (Comptroller General of the Union) began a series of findings on the increase in the number of entities and discounted values of retirees.
From this process, audits were carried out in 29 entities that had ACTs (technical cooperation agreements) with the INSS. There were also interviews with 1,300 retirees who had payroll discounts.
In the operation, 6 people were removed from their duties. Among them, the president of the INSS (National Institute of Social Security), replaced by Waller Junior.
Lupi resigns
Nine days after PF released the operation without discount, Social Security Minister Carlos Lupi resigned.
The departure marked the 11th change in the (PT) terrace since the beginning of the 3rd term of the petista, in 2023.
Adopted measures
The government has determined the suspension of ACTs from the INSS -linked entities and, consequently, the discounts made in the leaves of retirees and pensioners payments.
According to the government, 11 associated entities were the subject of legal measures.
Read below what are the year when the agreement with the INSS was signed:
- Ambex (2017);
- Sindinap/FS (2014);
- AAPB (2021);
- AAPEN (previously called ABSP) (2023);
- Contag (1994);
- Aapps Universe (2022);
- Unaspub (2022);
- Conafer (2017);
- APDAP PREV (previously called welcome) (2022);
- ABCB/Amar Brasil (2022);
- CAAP (2022).
INSS retirees and pensioners who identify improper discount of associative tuition in the payment statement (paycheck) may request the cancellation of improper discount directly by the application or website “”.
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