How to secure retirement by age in 2022?

Every year may be subject to changes and updates in various sectors of the public sphere. Regarding retirement, for example, many aspects may vary in requesting and receiving the benefit. With that in mind, this article aims to clarify how to secure retirement by age in 2022. So, if you want to know more about it, be sure to read the full text!

Read more: Retirement for women in 2022: Check out the new rules!

Retirement by age in 2022: how to ensure?

As for updating aspects, it is important to be careful not to be left behind and guarantee the right to old-age retirement. So what are these updates? How to secure retirement by age in 2022?

2021 Rules

It's also important to know what the rules were for the previous year to make sure you meet the requirements to receive the benefit. Thus, in 2021, the criteria required before the Social Security Reform (until 11/12/2019) determined that they could apply for retirement by age:

• Men aged 65 and 15 years of contribution;
• Women aged 60 and 15 years of contribution.

2022 rules and updates

For updates, it is worth considering both the Social Security rules to ensure retirement, as well as the transition rules that came into force after the reform.

The transition rules were created so that the worker who had started to contribute to the INSS, and who did not fit in all the criteria determined by Social Security before the reform, it wasn't too harmed by the new rules.

Previously, it was necessary for women to be at least 56 years old and 30 years old with contributions, while men had to be 61 years old and 35 years old with contributions. In this sense, a points system was started for the update computed for each year, to contemplate the workers who were with the expectation turned to the old social security model.

Points and upgrade system

By transition rules, 6 months are added each year to the minimum age, until reaching 62 years (female) and 65 years (male). Therefore, the minimum age for women in 2022 is 57 years and 6 months, while for men it is 62 years and 6 months.

But how does the points system work? Well, the breakdown is as follows:

• 30 years contribution period for women;
• 35 years contribution period for men;
• 86 points +1 point per year, from 2020 (up to a limit of 100 points) for women and;
• 96 points +1 point per year, from 2020 (up to the limit of 105 points) for men.

Finally, in 2022, women will need 89 points to access retirement, while men will need 99 points.