2023-05-15 19:14:52
INSS contribution period for professionals Anyone who pays for the INSS is curious to know how much contribution time they have, and based on that, how they will plan their retirement.
This is very important. After all, a considerable part of the money you earn throughout your life goes to the INSS.
It is also essential to know how long you have contributed to understand which retirement rules you fit into, what are the retirement dates in each of the possible rules and to know the amount you will receive when you stop working.
It’s not a small thing, do you agree with me?
A pension specialist lawyer, like us, will always advise you that the ideal is to make a detailed analysis of the contribution time. This became more important after the renovation.
Many people believe that they already have this answer! I can tell you that in 95% of cases, these people are positively or negatively surprised when we present the exact number of contribution time, after having done the calculation correctly.
But if you want to get an idea of how much time you’ve contributed to the INSS, I’ll make a contribution time calculator available.
Before you access the link I’ll leave at the end, let’s go to the guidelines.
SUMMARY
WHAT IS CONTRIBUTION TIME?
Contribution time is the time you spent collecting INSS. All people who earn income from work are called compulsory insured persons, as the law obliges them to pay INSS on their income.
On the other hand, people who do not have income from work do not need to make contributions to the INSS, but they are given the possibility of making payments so that, if necessary, they can apply for benefits and pensions. These taxpayers are called optionally insured.
Mandatory insured persons, who, as the name implies, are obliged to pay social security contributions to the INSS, are urban employees, domestic employees, individual taxpayers, independent workers, special insured persons and individual micro-entrepreneurs.
HOW IS THE CONTRIBUTION TIME COUNTED?
To explain this, we will have to separate two different scenarios, contributions made up to November 12, 2019 before the pension reform, and contributions made later, from November 13, 2019, when the pension reform was already in effect. force, as there are different rules for each of the periods.
Until the pension reform, the contribution time was counted from date to date, so that to have 3 months of contribution you had to effectively work and contribute for three months. So, if you worked 5 days at one company in April 2019, 10 days at another company in May, and 20 days at another company in June, you would have 35 days of contribution.
But since the pension reform, the count is made day by day, by competence collected, so that considering the example given above, you would add 3 months of contribution and not those 35 days.
Attention!
In order for the months to be considered, the way I put it, it is still necessary that there has been a minimum contribution, at least. Therefore, if the monthly contribution proportional to the days you worked does not correspond to the minimum required contribution amount, this month will only be considered if you make the contribution corresponding to the remaining amount to reach the contributory floor.
The minimum contribution amount depends on the type of insured you are.
THERE ARE PERIODS WHICH ARE CONSIDERED A CONTRIBUTION TIME BUT MANY PEOPLE DON’T KNOW:
- military time – mandatory or voluntary;
- period in which you are receiving maternity pay;
- indemnified notice period;
- period of paid leave (whose contributions have been made);
- Employer or self-employed activity carried out until 26.08.1960 without contemporary contribution, provided that the corresponding compensation is made;
- period of activity as a rural employer;
- periods in which he has exercised an elective mandate and the contribution has been made at the appropriate time;
- periods of absence from the INSS due to disability, interspersed with contributions;
- periods of leave due to occupational illness or accident at work;
temporary contract periods (noted in the Employment Card); - period of leave, inactivity or removal without remuneration of the insured employee, including domestic and intermittent;
- time in rural activity as a special insured person (artisanal fisherman, farmer in family economy, indigenous, etc.).
KNOW WHAT TYPES OF RETIREMENT YOU CAN ACCESS.
Until November 12, 2019, the INSS retirement rules were as follows:
contribution time retirement (with or without social security factor)
retirement age,
disability retirement (by age and contribution time),
special retirement,
special insured person’s retirement,
proportional retirement,
teacher’s retirement
and disability retirement.
CALCULATE HERE
In each rule of the different types of retirement, there are specific and different requirements. That’s why it’s important that you know your social security assets, that is, all the contribution time you have.
As of the Pension Reform, the retirement criteria changed, and we now have transition rules, which can only be used for those who had already started their contributions before November 13, 2019 but had not yet managed to meet the requirements for to retire before, by acquired right, and the transitional rules, whose retirements are programmable or due to incapacity.
Just as before the reform, there are specific rules for the retirement of people with disabilities, teachers and special insured persons.
Knowing how much contribution time you have and which retirement rule you best fit, you will be able to choose when and how you will retire.
PRISCILA ARRAES REINO
Graduated in Law from UCDB in 2000. Registered with OAB/MS under nº 8.596 and OAB/SP 38.2499. Postgraduate in Social Security Law. Post Graduated in Labor Law and Labor Process by the Escola da Magistratura do Trabalho de Mato Grosso do Sul.
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