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INSS: veja as principais mudanças para se aposentar em 2022

INSS: veja as principais mudanças para se aposentar em 2022

Com a transformação da aposentadoria no bojo da Reforma da Previdência, em 2019, novas regras passarão a valer no Instituto Nacional do Seguro Social (INSS) a partir de 2022. Dessa vez, algumas alterações entram em vigor já na virada do ano.

São elas: as regras de transição por pontos, por idade mínima e aposentadoria por idade da mulher. Esses pontos de transição foram feitos para diminuir o impacto das pessoas que estavam para dar entrada com pedido de aposentadoria, mas acabaram afetadas pelas alterações na regra do acesso ao benefício.

A regra geral da reforma (que só terá aplicação total em 2023) estabelece que mulheres podem se aposentar com idade mínima de 62 anos e pelo menos 15 anos de contribuição e homens com 65 anos mais 20 anos de contribuição. Com as regras de transição, as mudanças vão acontecendo de forma escalonada até 2023.

Transição para mulheres

Para o ano que vem, a regra de transição para mulheres vai acrescentar mais seis meses na idade mínima e no período de contribuição, indo de 61 anos para 61 anos e 6 meses de idade. Em 2023, passará a valer a regra oficial da Reforma de 2019.

A partir de: Idade para conseguir a aposentadoria

– 01/01/2020: 60 anos e 6 meses;

– 01/01/2021: 61 anos;

– 01/01/2022: 61 anos e 6 meses;

– 01/01/2023: 62 anos.

Sistema de pontos

Quem optar por se aposentar por pontos (cada ano é 1 ponto), em 2022 a regra vai adicionar 1 ponto e ficará da seguinte forma:

– Soma: idade (mínimo de 57 anos e 6 meses de idade) + tempo de contribuição para mulheres = 89 pontos;

– Soma: idade (mínimo de 62 anos e 6 meses) + tempo de contribuição para homens = 99 pontos.

No caso das mulheres é necessário contribuir pelo menos 30 anos ao INSS e 35 anos para os homens. Neste sistema, pessoas abaixo do critério geral de idade mínima, porém com tempo alto de contribuição, podem encontrar um modelo mais vantajoso.

Casos específicos

As regras de aposentadoria mudam conforme alguns casos específicos como trabalhadores rurais, professores e servidores federais.

Para saber com quantos anos você vai conseguir se aposentar, o INSS criou uma calculadora que analisa todas as suas informações registradas nos servidores do Instituto e fornece, com exatidão, quanto tempo falta para a sua aposentadoria.

A partir de: Idade para conseguir a aposentadoria

– 01/01/2020: 60 anos e 6 meses;

– 01/01/2021: 61 anos;

– 01/01/2022: 61 anos e 6 meses;

– 01/01/2023: 62 anos.

Sistema de pontos

Quem optar por se aposentar por pontos (cada ano é 1 ponto), em 2022 a regra vai adicionar 1 ponto e ficará da seguinte forma:

– Soma: idade (mínimo de 57 anos e 6 meses de idade) + tempo de contribuição para mulheres = 89 pontos;

– Soma: idade (mínimo de 62 anos e 6 meses) + tempo de contribuição para homens = 99 pontos.

No caso das mulheres é necessário contribuir pelo menos 30 anos ao INSS e 35 anos para os homens. Neste sistema, pessoas abaixo do critério geral de idade mínima, porém com tempo alto de contribuição, podem encontrar um modelo mais vantajoso.

Casos específicos

As regras de aposentadoria mudam conforme alguns casos específicos como trabalhadores rurais, professores e servidores federais.

Para saber com quantos anos você vai conseguir se aposentar, o INSS criou uma calculadora que analisa todas as suas informações registradas nos servidores do Instituto e fornece, com exatidão, quanto tempo falta para a sua aposentadoria.

Fonte: www.istoedinheiro.com.br