A retirement it is the moment dreamed of by many workers, especially if the income comes with a calculation that includes extremely attractive values. According to lawyer Nicholas Bocchi, from Bocchi Advogados e Associados, anyone who plans to retire by age has some options for your next steps, such as: stop contributing, keep, decrease or increase the contribution.
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According to the expert, there are some loopholes in the pension law, which was reformed in 2019. In this way, in retirement by age, there is the possibility of changing the calculations and resorting to some options for following the benefit, as long as there is a contribution for at least 15 years. The calculation is based on the average salary from July 1994 to the date of retirement, called the benefit salary.
Among the possibilities of calculations for retirements presented by the lawyer, there is an increase of 2% per year, in which the beneficiary may choose not to exclude contributions and increase by 2% per year of service provided that exceeds the minimum limit of 15 years. It is worth remembering that this option is different from retirement by contribution time.
With regard to increases, decreases and stagnation of contributions, it is necessary to calculate the average salary, that is, the benefit salary. Concluding the definition of the average, the taxpayer can consider that if he makes contributions below the average, it tends to fall, thus being able to choose to keep it as it is. Furthermore, the value of the benefit may be 60% of the calculated average, which may imply retirement close to the minimum wage. In this scenario, reducing the contribution is an economic strategy.
There is also the possibility of increasing the contribution amount, which consists of excluding the average of all low contributions since the initial period. (July 1994), making a single contribution for the ceiling, which in the previous year was R$ 6,433.57, and the benefit can be paid in at least 60% of this value.
Finally, stopping contributing is a matter that demands care. If the taxpayer has already reached the 15-year grace period and is close to reaching the age to receive the benefit, just wait. In any case, it is necessary to consult a lawyer specializing in pensions to acquire better guidance.
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