Aposentadoria plus Rápida and Vantajosa in INSS to beneficiaries When you retire you think: now my time has comeINSS! Vou rest, enjoy my family, travel more and dedicate myself to what I like, after all, it’s been more than 30, 35 or 40 years of professional dedication!
But, suddenly, you start organizing or looking for your retirement documents and you can’t find them, or you can only find them partially. Você knows that that period you worked at the company 20 years ago, which is special, will give you the strength to retire early, or complete the remaining period!
Quem never went through this, right!
Porém, understand that before entering theINSSor in the body to which he is currently linked, The secret to a better retirement is to organize your documents and present them all at once!
Aí you think, but how will I know if I have the documentation ok?!
Para makes your life easier, we have prepared a list of 5 steps to make the retirement process faster and more advantageous, check it out!
1st Passoat INSS
The first step is the work card or also known as CTPS, to check that all your work contracts are included and compare with the CNIS (Cadastro Nacional from Informação Social) which can be collected directly from theINSS,because all employment contracts are or should be listed there and check if they are correct.
In the case of Servidor Público, the same care must be taken with contracts, as, throughout the career, there may be period endorsements from one body to another, or contracts where the server is linked to the INSS, as Município does not have Regime Próprio, which were not accounted for in Autarquia Previdenciária. Isso is more common than you might think!
The biggest mistake anyone who wants to file is not looking carefully at all the contracts they have worked on throughout their career, both for civil servants and for INSS!
Quem anticipates and wins, because, in the case of a civil servant who has a period that was not registered with the INSS and what he wants to do, the ideal is to make such a request before retiring, as, when requesting retirement, he may have the unfortunate surprise of not having the entire period recognized by the INSS or the body to which he is linked. And then the headache begins!
2nd Passoat INSS
The second step is to check if there are special periods carried out throughout your professional career!
Há loss of special period, for a significant part of workers linked to the INSS or civil servants! Fique attentive!
Isso happens because many ignore short periods carried out in a special way, others because at the time of retirement they do not present the PPP (Perfil Profissiográfico Previdenciário) which is the report to prove the unhealthiness or dangerousness of the period, both for workers who are linked to the INSS and civil servants, and; the latter, that is, civil servants, completely ignore the special retirement, which, despite not having its own legislation, is granted Judicialmente and, in the case of workers linked to the INSS, is granted directly by Autarquia Previdenciária, once the unhealthy or dangerous activity has been proven, in both cases.
Para self-employed professionals, the LTCAT (Laudo Técnico of Condições Ambientais of Trabalho), can indeed help grant a special retirement or convert a special period into a common one, which can accelerate the pension benefit of those who plan to retire early. Isso is also suitable for workers linked to the INSS and civil servants.
It is a fact that after Reforma of Previdência, there is no longer a conversion from the special period to the common period, however, all periods prior to Reforma, are protected, this is what we call an acquired right.
3rd Passo
The third step is not to observe periods not registered in the CTPS.
Workers in general, throughout their careers and, especially when they are young, ignore social security payments, with the idea that they will never grow old or need INSS.
Most end up needing INSS! Ou of that period ignored and not registered and, therefore, not contributed to the social security system.
The tip we give is that if you have been working independently for a period of time and can prove your activity, you can and should try to prove it to the INSS and, therefore, collect your social security contributions to be included in your total working time.
Agora If you were an employee and the company did not collect it, but you have the record in your portfolio, you have the right to count this period towards retirement time.
Para the cases of a company, which has not registered, you must try to prove the activity and the link with the company.
Once the activity is proven, social security contributions will be collected, in the employee/employer proportion.
4th Passo
The fourth step is to analyze, before entering retirement, the Regras from Transição.
Isso makes a total difference when you are looking for the most advantageous benefit, especially because once the transition rule is chosen and you register with the INSS, if you receive the first social security payment, you have made that act irreversible! Portanto, be careful when choosing!
Saiba that with Reforma from Previdência, it is possible for you to adhere to more than one social security rule, as long as all requirements are met, and, therefore, before applying for the benefit at INSS, or organ, in the case of the server, check and simulate which rules you may be included in.
5th Passo
The fifth step It’s just that people don’t plan their retirement!
Não planning is still a very common mistake for most workers linked to INSS and Servidor. Ainda But when you are young, it seems that “talking” about retirement is something as distant as it is unattainable.
Outro wrong thinking is: Eu I won’t need INSS!
Porém, INSS should not be seen as a single source of income but rather as additional income!
Isso seems little, but, if we talk about a self-employed person, who contributes throughout his professional life through the INSS ceiling, he will be able to retire with R$6,101.00 per month (in 2020) and have an extra annual income of R$72,000.00!
Pensando like this, what do you think?
Dá to travel, change cars, make a down payment on another property, in short, the pleasures that life has.
Sabemos, that retiring well has become further and more difficult, however, something you cannot forget is that contributing to the INSS you will do in some way, because everyone who has a paid job must contribute to the INSS, and how about planning the best way to have good money when you no longer want or can no longer work.
Fonte DOMENEGHETTI ADVOGADOS ASSOCIADOS Partner MixVale