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Contato Profissionais da saúde

 

Novas regras aposentadoria por tempo de contribuição 2020

O que mudou na aposentadoria por tempo de contribuição após a reforma da previdência?

Após a reforma da previdência a aposentadoria por tempo de contribuição deixou de existir, infelizmente.

Mas, fique calmo! Se você já estava contribuindo para o INSS existem grandes chances de ter direito a uma das regras de transição, que vou explicar na sequência.

A fórmula de cálculo do valor da aposentadoria também foi alterada, agora o cálculo é muito mais prejudicial ao cidadão.

O valor da aposentadoria será apurado com base na média de todos os seus salários de contribuição ao INSS.

Veja, que sobre a média será aplicado o percentual de 60% e + 2% ao ano que exceder 20 anos de contribuição para os homens e +2% ao ano que exceder 15 anos de contribuição para as mulheres.

Antes da reforma o valor da aposentadoria era a média dos 80% maiores salários de contribuição desde 07/1994 até o mês anterior ao pedido de aposentadoria e depois de calculada a média das contribuições, era aplicado o fator previdenciário.

Escrevi um artigo explicando o passo a passo com exemplos de como calcular o valor das aposentadorias antes da reforma, aconselho a ler para que essa matéria fique mais clara.

A regra de transição do pedágio de 50% do tempo faltante na aposentadoria por tempo de contribuição.

O pedágio de 50% do tempo faltante se aplica as pessoas que estavam próximas de se aposentar, ou seja, faltando até 02 anos de tempo de contribuição quando publicada a reforma da previdência em 13/11/2019.

Para os homens a regra é:

  1. possuir no mínimo 33 anos de contribuição até a vigência da Reforma;
  2. b) contribuir com um tempo adicional de 50% do tempo que faltava para atingir 35 anos de contribuição na data de publicação da reforma.

Exemplo: Pedro, na data de publicação da reforma da previdência, possuía 34 anos de tempo de contribuição, ou seja, faltava 01 ano para se aposentar.

Considerando que aposentadoria por tempo de contribuição foi extinta, Pedro vai precisar cumprir o pedágio de 50% do tempo faltante, ou seja, 06 (seis) meses.

Ou seja, Pedro vai completar o tempo para se aposentar após contribuir 01 ano e 06 meses.

Para as mulheres a regra é:

  1. possuir no mínimo 28 anos de contribuição até a vigência da Reforma;
  2. contribuir com um tempo adicional de 50% do tempo que faltava para atingir 30 anos de contribuição na data de publicação da reforma.

Por exemplo, Amanda, possui na data de publicação da reforma da previdência, 29 anos e 06 meses de tempo de contribuição, ou seja, lhe faltava contribuir apenas seis meses.

Com o pedágio de 50%, Amanda vai precisar contribuir por mais 03 meses, deste modo, para aposentar agora faltam 09 (nove) meses.

A regra de transição do sistema de pontos na aposentadoria por tempo de contribuição

A regra de transição do sistema de pontos exige uma pontuação mínima para que a pessoa possa aposentar.

Tire suas dúvidas com um especialista online

Novas regras aposentadoria por idade 2020

Aposentadoria por idade

A aposentadoria por idade é um benefício previdenciário que visa garantir aos segurados do INSS uma proteção durante a velhice. Neste caso, a aposentadoria é concedida quando o trabalhador atinge a idade estabelecida por lei.

Antes da Reforma, a idade mínima para aposentadoria nesta modalidade era de 65 anos para homens e de 60 anos para mulheres, sendo que ambos os sexos deveriam ter pelo menos 15 anos de contribuição com o INSS, o que corresponde a 180 meses.

Com as novas regras definidas na Reforma da Previdência, a idade mínima continua sendo de 65 anos para homens, mas passou a ser de 62 anos para mulheres.

Vale ressaltar que quem cumpriu os requisitos de idade antes da vigência da Reforma, poderá se aposentar conforme os critérios anteriores. Por outro lado, aqueles que já trabalhavam antes da nova legislação, mas ainda não haviam atingido os requisitos, irão se aposentar conforme as regras de transição. Já os trabalhadores que ingressaram no mercado após a Reforma deverão seguir as novas regras.

Requisitos

Os segurados urbanos do INSS devem atender aos requisitos de idade e período de carência ou tempo de contribuição. Confira as regras de transição para a aposentadoria por idade:

Para homens: Idade mínima de 65 anos + 15 anos de contribuição, sendo que a partir de 2020, passam a ser somados mais seis meses por ano, até atingir 20 anos de contribuição;

Para mulheres: Idade mínima de 60 anos, sendo que a partir de 2020, passam a ser somados mais seis meses por ano, até atingir 62 anos de idade, em 2023 + 15 anos de contribuição.

Já para quem começou a trabalhar depois que a Reforma da Previdência já estava em vigor, os requisitos para a aposentadoria por idade são:

Para homens: Idade mínima de 65 anos + 20 anos de contribuição;
Para mulheres: Idade mínima de 62 anos + 15 anos de contribuição.

Exceções

Também tem direito à aposentadoria por idade algumas categorias específicas, tais como trabalhadores rurais, pescadores artesanais e extrativistas (seringueiros), além de indígenas.

De acordo com o Regime Geral de Previdência Social (RGPS), os trabalhadores segurados podem ser classificados em cada categoria da seguinte forma:

Segurado empregado: Presta serviços na área urbana ou rural, de forma contínua e subordinada a um empregador;

Segurado contribuinte: Não possui vínculo empregatício, de forma eventual, para dois ou mais empregadores;

Segurado trabalhador: Presta serviços na área urbana ou rural, sem vínculo empregatício, para diversas empresas;

Segurado especial: Trabalhador que reside em imóvel rural ou aglomerado nas proximidades de áreas rurais, e trabalha individualmente ou em regime de economia familiar, como seringueiros, artesãos e pescadores, por exemplo.

Sendo assim, trabalhadores rurais em qualquer uma das categorias mencionadas e segurados especiais são exceções à regra, e tem uma redução na idade mínima para a aposentadoria. Neste caso, o requisito para a modalidade é de 60 anos para homens e 55 anos para mulheres.

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