Who is retired due to disability receives less than sickness allowance?

It is normal for questions to arise regarding the differences between sick pay and disability retirement, especially related to the redemption amount that each one can provide. In this case, the calculation for each benefit is done differently, and can vary greatly. See below how this works.

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Understand the difference between the two benefits

By disability retirement

Also known as permanent disability retirement, this is a benefit guaranteed by the INSS to workers who are unable to carry out their work activities in a permanent.

In this way, the benefit ends up being calculated as follows:

• In the case of men, it will be 60% + 2% for each year of contribution that exceeds the minimum of 20 years;
• For women, this period only needs to pass the age of 15.

sick pay

Sickness aid or aid for temporary disability, as it is also known, can be redeemed by any insured person who is incapacitated due to an illness or accident. That is, it is when the worker is unable to perform his function for health reasons.

In the case of this benefit, the calculation is made according to contributions already made to the INSS throughout life, so it can vary greatly between beneficiaries. Basically, it corresponds to 91% of the benefit salary, which is something very close to the average of 100% of the worker's salary over time as a contributor.

In addition, it is necessary to meet some criteria to receive the sick pay, such as:

• Grace period (12 withdrawals, one per month);
• Quality of insured;
• Incapacity for work activities for a period longer than 15 days.

For this, the taxpayer must present medical reports, exams and consultations to prove his condition.

Which benefit is most valuable?

Most of the time, disability retirement may indeed be less than sickness benefit, but it must be taken into account whether it is accidental or social security in nature.

In the first case, it is paid to the worker when he does not fully recover from an illness or accident that leaves him with sequelae. In this way, the amount will be greater than the amount paid for sickness benefit.

In the second case, the insured can receive 60% of the benefit salary plus an increase of two percentage points for each year, which can make the amount not so high.