JÁ ESTÁ VALENDO! FIM DA IDADE MÍNIMA APOSENTADORIA NOVA REGRA 2024!

Professor Nakamura

8 Sept 202417:24

Summary

TLDRThis video discusses new retirement rules in Brazil, focusing on options for early retirement without a minimum age requirement, effective as of September 2024. The presenter emphasizes alternative retirement paths for those with long-term contributions and highlights the importance of personalized retirement planning to avoid working longer than necessary. He also mentions recent legal updates, the need for comprehensive financial analysis, and different rules for specific professions like teachers. The video encourages viewers to consult professionals for accurate advice and emphasizes the value of planning to maximize retirement benefits.

Takeaways

🔔 New retirement rules are already in effect as of September 2024, allowing for retirement without a minimum age requirement.
📝 The speaker emphasizes the importance of planning retirement carefully and offers consultations to avoid errors and delays with INSS requests.
📊 The INSS tends to prioritize more rigid rules, potentially causing people to work longer than necessary. Knowing other options can help you retire sooner.
💡 Retirement without a minimum age is possible for those who have contributed for a long period. The speaker suggests exploring these alternatives to avoid working more than needed.
⚖️ There are many retirement rules currently being discussed in Congress and the Senate, with some already active. Updates are promised in future videos.
🛠️ Workers exposed to hazardous conditions (insalubrity and dangerous work) may have additional options for special retirement rules, with more updates coming soon.
🕵️‍♂️ Conducting a thorough analysis of your retirement status, contributions, and rules is recommended to ensure the best possible outcome and avoid financial loss.
📈 There are different ways to calculate retirement, and new rules have made the calculations less favorable than before. The speaker offers to guide through these changes.
🏫 Teachers, public servants, and those with special work conditions have different rules, such as lower point requirements and earlier eligibility for retirement.
🎯 A point-based retirement system exists, requiring a combination of age and contribution time, without a minimum age. These points increase annually.

Q & A

What new retirement rule is mentioned in the transcript starting from September 2024?
-The new rule allows retirement without a minimum age requirement, effective from September 2024. It is aimed at people who have contributed for a long period.
How can a person check if they are eligible for retirement under the new rules?
-The speaker recommends a full analysis of the individual's contribution records, errors, and potential benefits. This can be done through consultations via video call or in person, either in Brasília or São Paulo.
What is the importance of correcting errors in retirement documentation according to the speaker?
-Correcting errors early in the process can speed up the retirement approval process, as unresolved issues often cause delays both at the administrative and judicial levels of INSS.
What alternatives exist to the general retirement rules requiring age limits (65 for men, 62 for women)?
-There are other rules that allow retirement without a minimum age, especially for those who have contributed for a long time. These options may not be widely advertised but can be advantageous for eligible workers.
Why is it important to have a detailed retirement plan, as per the transcript?
-A detailed retirement plan ensures that individuals do not miss out on potential benefits and do not contribute longer than necessary. The right planning can also maximize the retirement amount received.
How has the 'retirement by points' system changed after the 2024 reforms?
-After the 2024 reforms, the points system now requires 91 points for women and 101 points for men in 2024, with a progressive increase until it reaches 100 points for women in 2033 and 105 points for men by 2028.
What is the 'retirement by points' system, and how does it work?
-The 'retirement by points' system combines the worker’s age with their time of contribution. For example, to retire, a woman needs to accumulate 91 points (age + years of contribution) in 2024, while a man needs 101 points.
How is the pension benefit calculated under the 2024 reforms?
-The pension benefit is calculated based on 60% of the average of all contributions made after July 1994, with an additional 2% for each year of contribution beyond 15 years for women and 20 years for men.
Who is eligible for the 'retirement by points' system?
-Eligibility for the points system applies to workers who started contributing before November 2019 and who meet the required points through a combination of age and contribution time.
What is the significance of discarding 20% of the smallest contributions under the pre-reform rules?
-Before the reform, 20% of the smallest contributions were discarded to improve the overall pension value. By removing lower contributions, the average monthly pension amount would increase.

Outlines

00:00

📢 INSS Retirement without Minimum Age

The paragraph explains a new INSS rule allowing retirement without a minimum age, effective as of September 2024. It encourages viewers interested in early retirement to subscribe for guidance on navigating these changes. The focus is on understanding various options, especially for those with special work conditions like hazardous environments. The speaker emphasizes the importance of a comprehensive analysis to avoid errors or delays in processing, recommending consultations for a more accurate retirement strategy. The INSS often defaults to general rules that may require longer work periods, causing some to work beyond what’s necessary due to lack of awareness about more favorable rules.

05:02

💼 The Role of Professor Nakamura

This section highlights the contributions of Professor Nakamura, a seasoned attorney with over 12 years of experience defending retirees' rights at the STF (Brazil's Supreme Court). He has been involved in significant cases such as the ‘Lifetime Review’ and FGTS corrections, earning recognition for his dedication. Following the 2019 pension reform, the paragraph discusses whether the retirement by points system remains viable. This system, advantageous before the reform, is less favorable now due to the inclusion of the ‘retirement factor’, a rule that reduces benefits for early retirees. The text also explains how point-based retirement, combining age and contribution time, operates under post-reform conditions.

10:02

📊 How to Calculate Retirement Benefits

The third paragraph dives into the calculation methods for retirement benefits before and after the 2019 reform. Initially, the benefits were calculated using 80% of the highest contributions, ignoring the lowest 20%. After the reform, all contributions since July 1994 are considered, and the benefit is set at 60% of the average plus 2% for each year exceeding 15 years (for women) or 20 years (for men). The description includes an example of how post-reform benefit calculations work, emphasizing the impact on those who need to accumulate nearly 40 years of work to obtain a full retirement. It advises readers to review all special work periods to ensure they qualify for the most beneficial rules.

15:03

⚖️ Special Retirement by Points

The final paragraph focuses on the concept of special retirement for those working under hazardous conditions, which requires a specific point total. It introduces the idea of adding rural, military, or apprentice periods to maximize eligibility. There is a call to action for readers to conduct a complete analysis, including scenarios where delayed contributions or adjustments might improve retirement outcomes. The paragraph concludes by encouraging viewers to reach out for further guidance and reassures them of available free content for staying informed about upcoming changes and strategies in the retirement landscape.

Mindmap

Keywords

💡Aposentadoria sem idade mínima

This refers to retirement options that do not require individuals to reach a specific age before they can retire. In the video, the speaker highlights new rules, effective from September 2024, allowing some workers to retire based solely on their years of contributions to the INSS (Brazil’s National Social Security Institute), without needing to meet the standard age requirements of 65 for men and 62 for women.

💡Regra de transição

A transitional rule is designed to ease the change from old to new retirement laws, offering individuals different paths based on their previous contributions or employment history. In the video, the speaker discusses how people who started contributing before 2019 may fall under such rules, which allow them to retire under conditions more favorable than those introduced after pension reforms.

💡INSS

The INSS (Instituto Nacional do Seguro Social) is Brazil's social security agency responsible for managing pensions, retirement benefits, and other social security services. The video focuses on recent changes in the rules surrounding retirement and how individuals can optimize their benefits, often by navigating lesser-known options provided by the INSS.

💡Aposentadoria por pontos

This retirement system calculates eligibility based on a combination of the worker's age and years of contributions. The video explains how the 'points system' works, with men needing 105 points and women 100 by 2028. It is one of the alternatives that allow retirement without a minimum age, benefitting those who started working early.

💡Fator previdenciário

The 'fator previdenciário' is a formula used in Brazil to reduce the value of early retirements by adjusting the benefit amount based on the worker’s age, life expectancy, and contribution time. The video contrasts this factor with the more beneficial 'pontos' system, where it is not applied, making the latter a preferable option for many retirees.

💡Tempo de contribuição

This refers to the total number of years a worker has contributed to the social security system. The speaker stresses its importance, as various retirement options, such as the 'aposentadoria por pontos,' use contribution time as a key factor in determining eligibility. For instance, women need 30 years of contributions, while men need 35 to qualify under some systems.

💡Análise completa

A full financial and legal review that evaluates the best retirement options based on an individual’s work history and contributions. In the video, the speaker emphasizes the value of this service, as many people unknowingly delay retirement or settle for less favorable terms due to not understanding all their options.

💡Aposentadoria especial

This is a special retirement benefit for workers exposed to hazardous conditions, such as those involving insalubrity or risk. The speaker in the video mentions upcoming changes to the rules governing these benefits and emphasizes that workers who have performed dangerous jobs may qualify for retirement earlier than others.

💡Revisão da vida toda

The 'revision of a lifetime' refers to a judicial action that allows retirees to recalculate their benefits based on all their earnings, not just those after 1994. This concept is touched upon in the video when the speaker discusses cases in which retirees might receive higher benefits through a recalculated pension.

💡Contribuição sobre o teto

This refers to contributing to social security based on the maximum salary limit allowed by law. In the video, the speaker explains how contributing more to social security can impact the final pension value, encouraging viewers to consider higher contributions to receive a better retirement payout.

Highlights

New retirement rules in September 2024 eliminate the minimum age requirement for some individuals.

Workers with special conditions like hazardous work environments have new updates this year regarding retirement options.

Comprehensive analysis and planning are critical to avoid errors and delays in retirement requests.

The INSS doesn't always highlight advantageous options, leading many to work longer than necessary.

A proper retirement plan can save individuals significant money, potentially earning more by retiring earlier.

Old rules for calculating benefits included discarding the 20% lowest contributions, which increased the average benefit amount.

Post-2019 reforms have changed how the calculation works, including a shift to using all contributions since July 1994.

A key change in 2024 is that women need 91 points, and men 101 points for retirement, with further increases each year.

The points-based retirement system doesn't have a minimum age but requires a combination of age and contribution time.

Teachers and public servants have their own specific retirement rules, including a reduction in required points for teachers.

Retirement by special points for hazardous conditions allows earlier retirement by combining general and special contribution times.

Many are unaware they may already meet the retirement criteria, including through time worked in rural areas or as a minor.

After the 2019 reforms, calculating benefits now includes all contribution periods and applies a 60% base with added percentages for longer contributions.

A good retirement plan also factors in potential delayed contributions, correcting missed or miscalculated payments.

The channel offers free information and analysis for viewers, providing a range of content on upcoming changes and specific retirement scenarios.