Recently, due to the 2019 Social Security Reform, most of the retirement rules were changed, including for individual microentrepreneurs (MEI). However, in the case of these taxpayers, there was no change in the contribution rate aspect. For them, social security payments are reduced, and a percentage of the minimum wage is applied, called DAS. Even so, some doubts arise about how the INSS works for those who are MEI.
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When opening a MEI, in addition to starting your own business and being able to offer services to companies and institutions in the state, it is possible to have some advantages in relation to retirement. Among them, a much sought after one is to increase the social security floor, since an undertaking also maximizes the contribution.
In addition, through the Collection Document (DAS), those who contribute monthly are entitled to the following INSS benefits:
To access these resources, it is necessary to pay the DAS-MEI monthly, which expires on the 20th of each month. After 12 months of contribution, it is already possible to access the benefits, in addition to being able to request the cancellation of the CNPJ.
First of all, it is important to understand that there is a difference in the INSS in relation to MEIs that contribute 5% of the minimum wage, and those that contribute 5% + 15% of this amount. After all, there are different retirement options for everyone.
In the first case, the taxpayer will only be entitled to old-age retirement. For those who started collecting until 11/12/2019, the rule is as follows: Men must be 65 years old and 15 years of contribution time, while women must be 60 years of age and 15 years of contribution to apply for the benefit.
For those who became MEI after that date, in the case of men, it is necessary to be 65 years old and have at least 20 years of contribution time. Women must be 62 years old and have contributed for 15 years.
As for those who pay 5% + 15% on the minimum wage, the situation is quite different. Now, these microentrepreneurs are entitled to more pensions, as they have, similarly to ordinary employees, options such as: retirement by age, contribution time and points.
