2023-06-25 17:05:02
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How to have 100% full INSS disability retirement “The new formula for calculating disability retirement reduces the amount of benefits by half. Only in case of occupational disease can the benefit be full” explains pension specialist Hilário Bocchi Junior.
Workers who need to take time off from work and receive a pension disability benefit must be aware of the changes that took place in the Pension Reform in November 2019.
The name has changed: disability retirement is now permanent disability retirement and sickness benefit is now called temporary disability benefit.
The way of calculating the value of the benefits has also changed: now they are proportional, but there is still a way to get the full benefit.
Change in the calculation of the average salary
Disability benefits are calculated on the basis of the average contribution wages made by policyholders between July 1994 and the date of absence from work.
Before the changes, it was possible to exclude from this calculation base period 20% of the smallest contributions. This is no longer possible. The result is a sensitive loss, but that’s not all.
Benefit percentage reduction
Temporary disability allowance (sickness allowance) continues to be 91% of the average salary, but this percentage is calculated on the average without excluding 20% of the lowest contributions. The rate was maintained, but the calculation base dropped. And there is another limitation: this average cannot be higher than the average of the last twelve months.
The percentage of permanent disability retirement (invalidity pension) fell from 100% to 60% of the average without excluding 20% of the lowest contributions.
There is a 2% surcharge for each full year of activity over 15 years for women and 20 years for men.
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Double loss of more than half of income
This double loss, which occurs due to the change in the calculation of the average salary and the reduction in the percentage of the benefit, shows damages that compromise more than half of the worker’s income.
This is easy to explain when the benefit amount is calculated at a rate of 60% of the average without excluding 20% of the lowest salaries. And what’s worse: when the worker is disabled and needs more resources to face the ills of illness or injuries.
full retirement
The insured person who proves that the permanent disability is work-related (occupational accident or occupational disease) will not have this reduction from 100% to 60%. The benefit will be integral.
Accident at work is one that happens within the company during the exercise of professional activity and occupational disease can occur at any time and can be any type of disease or injury, as long as it is related to work, however minor.
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www.hilariobocchijunior.com.br
E-mail: [email protected]
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