For those who still don't know, the INSS ceiling is the maximum amount that could be paid to a person on some benefit granted by the institution. Therefore, this limit is updated by the Federal Government year after year, and in 2022, this limit value is R$ 7,087.22.
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However, it is not as easy as it seems to receive this amount from the INSS. This happens because the calculation of this value is made from the average of all salaries with which contributions were made by the beneficiary, and it does not always concern 100% of the value.
Basically, the retirement amount does not only take into account the range paid in the last salaries, however, a second average of the remuneration since July 1994, corrected by the INPC (National Consumer Price Index), up to one month prior to the moment you request the benefit. As a result, we can say that according to the average amount contributed, the insured person may receive 60% of the total amount, achieving an increase of 2% for each year of contribution.
Before the Pension Reform in 2019, the calculation for retiring through the INSS ended up excluding about 20% of the lowest wages that were received by workers throughout their lives professional. But after this reform, salaries began to be fully calculated. So, the highest INSS contribution range is currently BRL 828.39 per month.
In 2022, in order to receive the maximum INSS amount, that is, 100% of the average of everything contributed by the worker, there must be at least 35 years of contributions by women and 40 years by men.
A lot of people have doubts when talking about this topic. At first, as the calculation is based on the average salary of each contributor, the percentage does not always refer to 100% of the ceiling. In addition, the worker can also retire with a value very close to the total on certain occasions, some of them are:
Pension planning is used as a strategy for analyzing the information of each worker. The purpose of this analysis is to determine the ideal time to apply for retirement.
As already mentioned, the amount of workers' pensions is calculated based on the monthly contributions made during their working lives. For this reason, in order for the insured person to reach the maximum ceiling, it is necessary that he annually make the maximum amount of contributions.
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