In 2025, the minimum age for retirement undergoes some changes. The changes anticipated in the social security system are the result of a gradual process of implementing the Social Security Reform, approved in 2019, and that should extend until 2031
On this January 24, Social Security Day, we bring the social security lawyer Jefferson Maleski, from the law firm Celso Cândido de Souza Advogados, to clarify the main impacts of these changes. The transition rules aim to soften the impact of the new rules for those who were already under the retirement regime of the previous rules, but had not yet completed the necessary requirements for retirement, explain the lawyer
According to him, there are two important changes for 2025
- The Punctuation Transition Rule:
This rule applies to those who need to achieve a minimum score, adding age and time of contribution. In 2025, the woman will need to reach 92 points to retire, while the man must reach 102 points. For women, the minimum contribution time required is 30 years, and for the men, 35 years
"Punctuation is progressive", what does it mean that, each year, the number of points required to retire will increase. For example, in three years, the men will need 105 points, and the women, of 95 points, but they will have an increase of up to 100 points, when they meet the final requirements of the reform, defined by Constitutional Amendment 103, Maleski states
- The Progressive Minimum Age Rule:
Another important change involves the minimum retirement age, that continues to be progressive in 2025. For women, the minimum age will be 59 years, while for men it will be 64 years. This age requirement will be adjusted annually, with an increase of six months per year. For example, in 2026, women will need 59 and a half years, and the men, 64 and a half years
"Furthermore, it is important to note that, for both rules, the contribution time must also be respected: 30 years for women and 35 years for men, comment the lawyer
How the population can prevent and plan for retirement
Maleski's main recommendation is that workers who are close to retiring continue to contribute to the INSS, especially those who have not yet met the requirements, but they are close to that. For those who lost their job, it is essential to maintain the self-contribution, using the INSS payment slips, ensuring that the contribution time continues to be counted
Maleski also warns about the risk of incorrect or outdated information found on the internet. "Many times, online guidelines may be outdated or misinterpreted. That's why, the suggestion is that the population seek information directly from the official channels of the INSS, like the phone 135, the Meu INSS app or the Meu INSS website, say
If there are discrepancies in the data from the National Register of Social Information (CNIS) or if the information from the INSS does not match what the worker believes to be their contribution time, a social security lawyer can be consulted for appropriate social security planning, clarifying the best options to secure retirement
Maleski emphasizes that, although the changes are significant, the pension system in Brazil continues to offer retirement options for different profiles of workers. The important thing is to be well informed and to make good planning, to ensure that the new rules do not harm those who are already close to retiring
