It is already possible to know how much to receive extra complement in the reform through a simulator launched by social security. The tool is available on the Social Security Portal and allows each worker to estimate the amount that may accumulate based on the renovation certificate regime.
This complement is part of the public capitalization regime (RPC), a voluntary and individual system that works as a reinforcement of the old age or disability pension. Contributions are made throughout life active and capitalized in a personal account, then become reform certificates.
The simulator shows how these contributions become an additional value that will be paid along with the pension.
How the public capitalization regime works
According to Social Security, the RPC allows voluntary monthly contributions, which are applied to a common investment fund. Each contribution generates units of participation in this fund, designated reform certificates, which are associated with the name of the adhering.
The accumulated amount results from the multiplication of the number of certificates by their reference price. This amount can only be raised at the time the worker reaches the legal age of the reform or in case of absolute disability.
How much is necessary to pay
According to the ekonomist, those who adhere can choose from three contributory rates: 2%, 4%or 6%. This last option is only available to people 50 years or older or to culture professionals.
The contribution is calculated on the incidence base, which corresponds to the average income used for discounts on the general regime. Every year, in January, this amount is updated based on the previous year’s remuneration records.
When the complement is received
Explains the social security that the right to extra complement is acquired the month following the beginning of the old age pension or disability. Anyone who accumulates more than a pension receives the complement as soon as the former starts to be paid.
It is not, therefore, of an immediate benefit, but a long -term savings that increases the value of the reform.
A way to reinforce the pension
Writes the site that the great attraction of the regime is the possibility of strengthening, voluntarily, the future income. Adhesion depends on the financial capacity of each person, but the simulator now made available facilitates the decision by showing an estimate of the amount it can receive.
Prepare the future with more security
The extra complement does not replace the pension, but can make the reform more comfortable. By providing a simple way to calculate the potential value, Social Security aims to encourage workers to better plan their financial life.
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