Workers with long contributory careers can, under certain conditions, access early reform without pension penalties. This special regime was implemented in 2017 and aims to recognize the many years of discounts of those who started working early, ensuring the right to complete reform before the legal age.
According to Social Security, the regime applies to those who have reached 60 years and meet certain contributory career requirements.
The elimination of cuts related to the sustainability factor and the anticipation of the age of reform is the main benefit provided.
Who can renovate soon
According to the same source, workers covered by the regime must comply with one of the following conditions:
- Be at least 60 years old and 48 years of discounts;
- Being 60 years old and 46 years of discounts, as long as they started working before the age of 17.
In these cases, the sustainability factor is not applied, an automatic penalty for those who reform before legal age or other anticipation reductions.
What is the personal age of reform
Writes the ekonomist that this regime also introduced the concept of “personal reform age”. It is a mechanism that adjusts the age of reform based on the number of years of contributory career.
For each year beyond 40 years of discounts, the age of legal reform (which in 2024 is fixed in 66 years and 4 months) is reduced by four months.
It refers to the same source that, for example, a 46-year-old worker can reform at 64 and 7 months without penalties.
If you have 48 years of discounts, you can do so at 63 and 11 months, and 50 years old, at 63 and 3 months.
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A regime designed to value the contributory path
This early renovation model without penalties aims to value workers with long careers.
As the ekonomist adds, he recognizes the effort of those who contributed to the system for decades, making access to pension more proportional to the time of service actually rendered.
In addition, the system introduces greater predictability and transparency, allowing workers to more safely plan the transition to reform.
Impact for those who started working early
For those who entered the job market still in adolescence, this regime represents a correction of previous inequalities.
Write the same publication that, before this measure, many workers with more than 40 years of discounts saw their pension reduced by reforming before the legal age, even though they contributed more than necessary.
The current model aims to mitigate this impact, ensuring a fairer and proper income market exit.
Long careers, full pensions
As referred to in Social Security, this possibility applies to both private sector workers and some converging civil service regimes, upon verification of the requirements.
In all cases, the calculation of the pension considers the effective years of discounts, applying the rules in force to ensure the maintenance of the total amount of the pension.
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