The readjustments of INSS retirement values were defined based on inflation. Thus, the maximum amount provided to retirees was changed, so that the ceiling went from R$ 6,433.57 to R$ 7,087.22. What contributes to the calculation of the benefit is the average salary in the period, changes in the ceiling values over the decades and rules developed by the Social Security reform.
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The total to be received by retirees is calculated through an average of the worker's remuneration, corrected by the INPC (National Consumer Price Index). The correction is performed in order to monetarily update the values, in addition to the range of the last salaries. The benefit is calculated using the percentage on top of the salary average. Retirement will use 60% of the average salary with an increase of 2% for each year of contribution.
According to actuarial consultant Newton Conde, a worker who collaborates through the ceiling from July 1994 to December 2021 will have an average salary of R$ 6,370.32. Only those who spend 35 years contributing, being a woman, and 40 years, in the case of men, will be able to receive the ceiling.
For the expert, continuing to work to retire earning the ceiling does not have much benefit. The responsibility of contributing, without earning the pension you are already entitled to, can be just another weight in your pocket. “The low percentage increase in the final retirement amount does not compensate, in terms of the benefit, what he stops receiving during this period in which he keeps working”, he says.
“There is a lack of pension planning for the vast majority. Many retire as soon as they can, but waiting a little can make the difference between receiving a benefit in the range of R$4,000 or R$6,000, when you are 70 or 80 years old”, he advises.
The table with the discount ranges for INSS contributions was released with readjusted values. Thus, workers with a formal contract who contribute to the ceiling will pay R$ 828.39 per month.
The calculation of pensions normally varies according to the worker's contribution period and 60% of the average. As for the 50% toll, retirement is calculated using the social security factor, an index that varies according to age and contribution time.
In the 100% toll, which also requires a minimum age, retirement is full (100% of the average salary). The INSS explained that, in the 100% toll, “the addition of more contributions, by itself, does not affect the value of the benefit. It may have the value increased if there are contributions with larger values, which will contribute to increase the average value”.
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