To the Housewives who want to retire and guarantee a monthly income when they are old can contribute with the National Institute of Social Security (INSS). There is no type of benefits that is specific to this category, therefore, those who are interested will need to contribute as optional insured persons.
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The difference of this modality in relation to CLT workers is due to the fact that the contribution is a choice of the person, and has no obligation to make it. Thus, for the housewife to be entitled to retirement, she must contribute for at least 15 years, and the minimum age is 62 years.
However, those who were already making contributions to the INSS before the Pension Reform, created in November 2019, may fall under the transition rule for retirement by age. Therefore, the woman will be able to apply for benefits at 61 years and 6 months of age in the year 2022.
INSS payments are made monthly or every three months through a social security guide. Thus, the housewife will have two contribution options. Check out:
If the housewife is part of a low-income family, she can retire with a contribution of 5% on the minimum wage, which would be R$ 60.60. But, to have access to this, the family needs to be enrolled in the Single Registry for Social Programs of the Federal Government (CadÚnico) and have an income of up to two minimum wages (R$ 2,424.00).
To make the contribution, simply purchase a printed Social Security Payment Guide (GPS) at stationery stores, which must be filled in manually. But, for those who have access to the internet, it is possible to access the GPS online for free, through the Federal Revenue website.
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