Brazil has two official social security regimes, the first being the General Social Security Regime and the second the Own Social Security Regime. This second is responsible for receiving contributions from public servants and making retirement payments. However, many wonder about the possibility of double pensions for civil servants through contributions to both regimes. If you also have this question, check out the answer here!
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Yes, they can! However, the Own Social Security Regime will continue to be the official means of contributing as a servant. With this, we can understand that, in order for there to be a double contribution, it will also be necessary for it to have two positions. It is also worth mentioning that the possibility of having two positions, one public and one private, is restricted to cases of cumulative public service.
This contribution model is called “Individual Contributor”, and it is the only way in which a civil servant can contribute in addition to the Own Regime. However, many believe that they can contribute through the “Optional Contributor” model, but that is not what the law says.
In fact, according to Decree 3048/99, in its art. 11, there is an optional contribution delimitation for anyone over 16 years old, except for public servants. Therefore, this mode of contribution is restricted to citizens who do not engage in paid activity that characterizes them as mandatory insured.
It is worth mentioning that any worker who wishes to increase his income in the retirement phase can resort to private insurance. It works very similarly to public Pension Schemes, and is allowed for civil servants.
In this way, it is possible to plan for old age more safely, as well as protect yourself from unpredictable adverse events. Today, practically all private sector banking institutions offer this possibility, and more and more people are looking for it. It may even be that there are more favorable conditions with regard to contribution time.
