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SINDOB
Nova aposentadoria do INSS acima de 50 anos de idade dos segurados
Nova aposentadoria do INSS acima de 50 anos de idade dos segurados
Nova aposentadoria do INSS acima de 50 anos de idade dos segurados A maioria das pessoas que já passou dos 50 anos e que está pensando em aposentadoria, sempre começa a conversa com algumas indagações:
Qual é a melhor aposentadoria para mim?
Como eu faço o cálculo para saber quanto tempo eu tenho?
Como devo pagar o INSS para conseguir me aposentar com valor maior?
Posso aumentar as contribuições para ter um benefício melhor?
QUAIS SÃO AS DÚVIDAS DE QUEM VAI APOSENTAR?
A resposta é insegurança. É uma decisão que vai gerar reflexos para o resto da vida.
O trabalhador tem que ter a consciência que ele pode ter direito a mais de uma aposentadoria ou estar perto de uma aposentadoria maior, por isso é bom ter todas as informações para escolher a mais vantajosa.
O INSS INFORMA QUAL É A MELHOR APOSENTADORIA?
Está escrito na lei que o INSS deveria informar o segurado sobre isso, mas infelizmente há um acúmulo muito grande de processos e a Previdência não consegue sequer por fim nos benefícios que ele precisa analisar.
E como vai sobrar tempo para ajudar e informar melhor o trabalhador?
Na lei está escrito assim:
Caberá ao INSS conceder o benefício mais vantajoso ao requerente ou benefício diverso do requerido, desde que os elementos constantes do processo administrativo assegurem o reconhecimento desse direito.
Mas na prática a teoria é outra.
COMO RECEBER TUDO QUE É DEVIDO PELA PREVIDÊNCIA?
O trabalhador confia na Previdência, mas não sabe que ela não vai dar a orientação completa de todas as possibilidades de regras de aposentadorias mais vantajosas, então o segurado acaba errando, pegando a aposentadoria que “acha” ser a melhor
Como a Previdência não dá esta informação, o desafio é descobrir com antecedência qual aposentadoria é ou será a mais vantajosa, assim dá tempo para resolver logo “Como” as contribuições devem ser feitas evitando-se pagar mais do que vai receber.
E, principalmente, receber tudo que lhe é devido.
Erros que atrasam no INSS a concessão de Benefícios
O QUE DEVE CONTER NO PLANEJAMENTO PREVIDENCIÁRIO?
O planejamento previdenciário deve evidenciar principalmente quando o segurado vai aposentar. Em todas as possibilidades possíveis. Agora, daqui um ano, daqui três anos, enfim, todas as possibilidades.
Depois de saber quando irá aposentar, o segurado terá outro desafio: fazer a simulação de cálculo de cada um desses benefícios.
Caso tenha benefícios que acontecerão em datas futuras, simule pelo menos três situações:
Considerando o valor da média salarial que já possui nos meses que faltam para atingir cada uma das aposentadorias;
Considerando o valor do teto do INSS nesses meses que faltam contribuir;
Considerando nesses mesmos meses o valor do salário mínimo.
Aí certamente vai dar para escolher a melhor situação.
APOSENTO AGORA OU ESPERO MAIS UM POUCO?
Esta pergunta será inevitável quando você perceber que terá benefício com valor maior em data posterior àquela que pretende aposentar.
O Segurado deve fazer a seguinte conta:
Qual é o valor do benefício mais próximo (de menor valor)
Qual é o valor futuro do benefício (de valor maior)
Qual é a diferença entre o valor do maior e do menor
Quanto tempo vai demorar para recuperar o valor que deixará de receber.
Com esses números na mão será possível saber o que é mais vantajoso.
EXEMPLO DE BENEFÍCIO MAIS VANTAJOSO.
Considere, por exemplo, que o segurado teria direito imediato a um benefício de R$ 2.000,00 e que daqui dez meses completaria os requisitos para outra regra de aposentadoria que lhe asseguraria um benefício de R$ 3.000,00.
Já deu para perceber que a diferença é de R$ 1.000,00, e é para o resto da vida e ainda pode repercutir nos benefícios para os dependentes.
O segurado deixará de receber em torno de R$ 21.666,67, porém com o aumento do valor do benefício, em 22 meses recuperará tudo que deixou de receber e terá benefício bem maior para sempre.
Neste caso, vai valer a pena esperar o benefício mais vantajoso, mesmo deixando de receber com antecedência o benefício de menor valor.
Em alguns casos o Segurado poderá optar por um benefício menor, mesmo que o de valor maior esteja mais próximo, quando esta escolha lhe trouxer alguma vantagem pessoal.
