5 tipos de aposentadoria

5 TYPES OF RETIREMENT CHOOSE THE BEST ONE There is still time to retire without a minimum age. There are two retirement rules that allow this: the acquired right and the 50% toll. But there are three others that allow you to escape the new rules of the pension reform. The imposition of a minimum age created an obstacle for those who were thinking about retiring. Especially for those people who started working early, are completing the time to retire, but are still far from the age imposed by law. But it is still possible to retire without reaching the minimum age. THE FIRST TYPE of retirement, that of acquired rights, is for those who completed their service time until the pension reform in November 2019. The man who was 35 and the woman who was 30, regardless of age, can still retire. Detail: it is possible to recover past time that was not documented. It does not matter whether the benefit is requested now, in a year or in ten years. The important thing is to prove that on November 12th the requirements for obtaining retirement had already been met. So there may still be time. THE SECOND TYPE, which also does not require a minimum age, is the transition rule with a 50% toll. It works like this: You have to determine how much service time you had on 11/12/2019, when the pension reform was approved. Those who were two years away from retirement, men with 33 years of service and women with 28, can complete their service time by contributing 50% more of the time that was missing. Example: A man who was 33 years old, had two left, then you will have to contribute those two that are missing, plus 50%. 50% of two is one. So instead of retiring after two more years of contributions, retirement will happen after three years. The missing two, plus the one of the extra 50%. Can you understand? Now, other types of retirement require, in one way or another, directly or indirectly, the addition of a minimum age. THE THIRD TYPE is the 100% toll rule. Under this rule, workers must contribute twice as much, 100% of the time remaining until retirement when the pension reform was approved. And that's not all. You must also be of the minimum age, which is 57 years for women and 60 years for men. So there are two things: 100% toll and, pay attention, a minimum age of 57 for women and 60 for men. This rule also applies to public servants. THE FOURTH TYPE is the points rule. It already existed. It's the one from 85/95 remember? But before it increased by one point every two years. Now it's one point per year. It becomes more difficult to reach. In 2020 it is 87 points for women and 97 points for men. In 2021: 88 for women and 98 for men. And so on until you reach 100 points for the woman and 105 for the man. Go to the ground... THE FIFTH TYPE is the rule of contribution time plus minimum age. Under this rule, almost everyone will reach retirement age because the minimum age increases by half a year each year. 📊RETIREMENT CALCULATOR Hello my colleague, use our calculator on the website www.bocchiadvogados.com.br The Retirement Calculator allows you to define when the insured will retire with retirement based on contribution time, retirement based on age, special retirement, under the new rules, acquired rights and transitional rules. The benefit value will be defined according to the desired retirement rule, remembering that the worker can choose the most advantageous benefit and calculation formula when he has the right to have more than one benefit or more than one calculation method. The five retirement chances are calculated in three different ways. Rule 1: The rule with vested rights or with a 50% toll allows 20% of the smallest contributions to be excluded. The others don't. But there is a social security factor. Rule 2: The toll rule of 100% of the time remaining until retirement when the Reform took place (12/11/2019) guarantees a benefit of 100% of the average salary, but it is not allowed to exclude 20% of the smallest contributions. Men must be 60 years old and women must be 57. Rule 3 applies to two retirement situations: According to the rules on points and retirement based on contribution time plus minimum age, the calculation is based on 60% of the average salary, without excluding 20% ​​of the lowest contributions. This percentage will be increased by 2% per full year of activity for men who exceed 20 years of contribution and for women who exceed 15. ☎️ CONTACT Bocchi Associated Lawyers www.boccchiadvogados.com.br [email protected] Whatsapp (16) 993191348 @bocchiadvogadosassociados #bocchialawyers IMPORTANT Our content is aimed at informing the public, especially customers, of their social rights. We ask that you familiarize yourself with and read our Privacy Policy on the website www.bocchiadvogados.com.br