Answer questions about retirement for self-employed workers

A lot of people have doubts when it comes to INSS retirement for those who work autonomously. In order to be able to retire in the future, it is necessary to pay the contribution to the INSS in the same way.

Read more: Proof of Life is no longer mandatory for INSS beneficiaries

Today, there are two ways to retire for self-employed people. See what they are:

1. One of them is retirement for working time. It is necessary to pay 20% of the salary received monthly and reach 35 years worked, in the case of men, or 30 years in the case of women, to be able to retire. Through this same option, it is also possible to retire when reaching 65 years of age, for men, and 60 for women, provided they have already made at least 180 contributions to the INSS. In this case, the retirement amount will be, on average, 85% of the largest contribution amounts that were made. For each 12 months over 180 months, the amount received is increased by 1% until it reaches 100%.
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2. The other way would be old-age retirement, which we've already more or less mentioned how it works earlier. In this case, the contribution is around 11% of the minimum wage (approximately R$75). The benefit is released for those who have reached 65 years of age, in the case of men, or 60 years of age in the case of women, both with the minimum 180 contributions. For those who work as microentrepreneurs, the same rule applies, however, the contribution will be between R$ 34.90 and R$ 39.90.

Ah, but how does it work to collect the value of this contribution from those who are self-employed? In order to start collecting payments, you must be registered as an individual taxpayer with the INSS. Thus, it is enough to look for one of the associated government agencies and register, however, it is necessary to make an appointment for the service by calling 135. Another available option would be to apply through the Social Security website.

Once you are correctly registered with the INSS, there are different ways to generate the Social Security Guide and start making contributions.

1.  The first is to do it online, accessing the Meu INSS website or app and choosing one of the available options. They are “Contributors Affiliated to Social Security before 11/29/1999” and “Contributors Affiliated to Social Security as of 11/29/1999”. Soon after, it will be necessary to fill in the data requested by the platform, such as the date and value. Once finished, just select the “generate GPS” button and print the document.
2.  The other option would be using Internet Banking. We did the test on the Itaú bank website, and in this case, you need to find the “Tax and Tributes” option within the payments tab and then find the “GPS” option. For other banks, just look for a path similar to the one we describe here.

As soon as you print the GPS, just make the payment at the bank, lottery shops or internet banking.

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