Aposentadoria Especial Hoje 2024 - Insalubridade - Reforma da Previdência PLP 42

Magalhães & Moreno Advogados

22 Apr 202407:49

Summary

TLDRIn this video, Eric Magalhães, a lawyer and partner at Magalhães Moreno, a firm specializing in labor and social security law, discusses a significant change in the special retirement benefit calculation. He explains the current rules, which have been altered by the 2019 social security reform, and highlights the proposed PLP 42, which aims to improve the retirement benefit value. The video calls for public support to pressure deputies, senators, and the president to approve the project. Magalhães emphasizes the importance of this law for current and future retirees, urging viewers to engage with the content and share it widely.

Takeaways

📜 The video discusses a legislative change in Brazil concerning special retirement benefits, which is currently being processed in Congress.
👨‍💼 Eric Magalhães, a lawyer and partner at Magalhães Moreno, a law firm specializing in labor and social security law, is advocating for this change.
📊 Before the social security reform of 2019, the special retirement benefit was calculated based on the sum of all contributions made from July 1994 to the retirement date, divided by the number of months contributed, with the average of the 80% highest salaries considered.
🔄 After the reform, the calculation changed to include all contributions from July 1994 to the retirement date, but only 60% of the average salary is paid as the benefit.
👥 There is a gender disparity in the retirement benefit, with women needing to work 35 years and men 40 years to receive 100% of the benefit, which the speaker considers unreasonable.
📈 The proposed PLP 42 aims to revert the retirement benefit calculation to the pre-reform method, which would result in a higher benefit amount for retirees.
💰 The speaker provides a hypothetical example showing a significant difference in retirement income, with a potential loss of nearly R$300,000 over 15 years due to the current rules.
🗳️ The PLP 42 has been approved by a committee in the Chamber of Deputies and is awaiting further review and a full vote in the Chamber.
👥 The video calls for public engagement, urging viewers to share the video, comment, and apply pressure on deputies, senators, and the president to approve the bill.
👶 The speaker emphasizes the importance of this issue for all citizens, including younger viewers who may benefit in the future, and asks for their involvement in advocating for the change.
📹 The video concludes with a call to action for viewers to subscribe to the channel and engage with the content to support the cause.

Q & A

What is the main topic discussed in the video script?
-The main topic discussed in the video script is the potential change in the value of special retirement benefits in Brazil, specifically the proposal of PLP 42, which aims to improve the calculation and payment of special retirement benefits.
Who is Eric Magalhães and what is his profession?
-Eric Magalhães is an attorney and partner at Magalhães Moreno, a law firm specializing in labor and social security law. He has been helping people understand their rights for 18 years.
What is a 'PLP' and what does PLP 42 aim to address?
-A 'PLP' stands for 'Proposta de Lei Complementar' which translates to 'Complementary Law Proposal' in English. PLP 42 aims to address the calculation and payment method of special retirement benefits, proposing improvements to the current system.
How was the special retirement benefit calculated before the social security reform in Brazil?
-Before the social security reform, the calculation of the special retirement benefit involved summing up all the contributions made by an individual from July 1994 until the date of their retirement application and then dividing it by the number of months they contributed to the INSS (Brazilian Social Security Institute).
What changes were made to the calculation of special retirement benefits after the social security reform in Brazil?
-After the social security reform, the calculation of special retirement benefits still involves summing up all contributions from July 1994 until the retirement application date. However, only 60% of the average of these contributions is paid out as the retirement benefit.
What is the difference in retirement benefit calculation between men and women according to the current rules?
-According to the current rules, the INSS pays an additional 2% for women who have worked for more than 15 years and for men who have worked for more than 20 years. However, to receive 100% of the benefit, a woman must work for 35 years and a man for 40 years.
Why is the PLP 42 considered important by the speaker?
-The speaker considers PLP 42 important because it proposes to revert to the previous calculation method before the social security reform, which would result in individuals receiving a higher retirement benefit, thus improving their financial situation in retirement.
What is the potential financial impact of the PLP 42 on an individual's retirement if they retire and live for 15 years?
-According to a simulation mentioned in the script, if an individual retires and lives for 15 years, they could potentially miss out on earning an additional R$83,020.66, which is a significant difference in their retirement income.
What is the current status of the PLP 42 according to the video script?
-As per the video script, the PLP 42 has been approved by a committee in the Chamber of Deputies in Brasília and is currently in the process of being voted on by all deputies. If approved, it will move on to the Federal Senate and then to the President for sanction.
What action does the speaker ask the viewers to take regarding the PLP 42?
-The speaker asks viewers to engage with the video by commenting, sharing it with others, and applying pressure on deputies, senators, and the President to approve the PLP 42. He emphasizes the importance of social pressure in making this law a reality.
How can young viewers who may not yet have the right to special retirement benefits still contribute to the cause?
-Young viewers can contribute by engaging with the video, sharing it, and understanding the importance of the issue, as they or their parents may benefit from it in the future. They are also encouraged to exercise their rights as citizens by advocating for the approval of the PLP 42.

Outlines

00:00

📊 Special Retirement Value Reform

The speaker, Eric Magalhães, a lawyer specializing in labor and social security law, introduces a legislative proposal in Brazil's Congress aimed at improving the value of special retirement benefits. He urges viewers to share the video and comment in support of the approval of this bill. The proposal, known as PLP 42, seeks to amend the calculation and payment method of special retirement benefits. Before the social security reform of 2019, the calculation was based on the sum of all contributions from July 1994 up to the retirement date, divided by the number of months of contribution, with only the 80% highest salaries being considered. The reform changed this to pay only 60% of the average value. The video explains the significant financial impact of these changes and advocates for the approval of PLP 42 to revert to the previous, more favorable calculation method.

05:01

🗳️ Advocating for the Approval of PLP 42

In the second paragraph, Eric Magalhães continues to discuss the importance of the PLP 42, emphasizing the potential financial benefits for retirees if the bill is passed. He provides a hypothetical scenario illustrating the difference in retirement income that could result from the approval of the bill, highlighting a substantial financial loss for those who would retire under the current rules. Magalhães calls for viewer engagement, urging them to comment, share, and support the bill, regardless of whether they currently have a right to special retirement. He explains the legislative process the bill is undergoing, noting that it has been approved by a committee in the Chamber of Deputies and is awaiting further committee reviews before a full chamber vote. He stresses the importance of societal pressure to ensure the bill's approval and the need for viewers to act as informed citizens, advocating for this change for themselves or their relatives in the future.

Mindmap

Keywords

💡Retirement

Retirement refers to the period after one stops working, typically due to age, and begins to receive a pension or retirement benefits. In the video's context, it is central to the discussion as the speaker, Eric Magalhães, discusses changes to the retirement benefits calculation and payment methods, which directly affect individuals' financial security during their retirement years.

💡Congress

Congress, in this case, refers to the legislative body responsible for making laws in Brazil, which includes the Chamber of Deputies and the Federal Senate. The video mentions a bill (PLP 42) that is under consideration in Congress, aiming to improve the value of special retirement benefits, highlighting the importance of legislative action in shaping social benefits.

💡Special Retirement

Special Retirement is a type of pension system in Brazil, designed for specific categories of workers such as rural workers, domestic workers, and the self-employed. The video focuses on the value and calculation of this benefit, emphasizing the need for legislative changes to improve the financial support provided to retirees.

💡Reform

Reform, in the context of the video, refers to changes made to the pension system, specifically the Previdência (Social Security) reform that took place in Brazil. The speaker contrasts the calculation and payment methods before and after the reform, illustrating the impact of these changes on retirement benefits.

💡PLP 42

PLP 42 is a legislative proposal mentioned in the video that aims to improve the value of special retirement benefits. It is a key element in the video's narrative as it represents a potential improvement in the pension system, which could positively affect the financial well-being of retirees.

💡INSS

INSS stands for the National Institute of Social Security in Brazil, which is responsible for managing social security programs, including pensions. The video explains how the INSS calculates retirement benefits and the changes that would be implemented under PLP 42 to ensure a more equitable distribution of retirement funds.

💡Calculation Method

The calculation method refers to the process used to determine the amount of retirement benefits a person is entitled to receive. The video explains the differences in the calculation method before the Previdência reform and how PLP 42 proposes to revert to a more favorable method for retirees.

💡Social Security

Social Security is a government-sponsored program designed to provide financial support to individuals in the event of retirement, unemployment, disability, or other circumstances. The video discusses the importance of social security in ensuring a stable income for retirees and the need for legislative changes to improve the system.

💡Legislative Approval

Legislative approval is the process by which a bill or law is passed by a legislative body, such as Congress. The video calls for public support to ensure that PLP 42 receives legislative approval, emphasizing the role of citizen engagement in influencing policy outcomes.

💡Advocacy

Advocacy in the video refers to the act of supporting a cause or policy, in this case, the approval of PLP 42. Eric Magalhães, as a lawyer and partner of a law firm specializing in labor and social security law, encourages viewers to engage in advocacy to improve retirement benefits.

💡Citizen Engagement

Citizen engagement is the active participation of citizens in the political process, such as commenting on social media, sharing information, and voicing their opinions on legislative matters. The video emphasizes the importance of citizen engagement in influencing the approval of PLP 42 and shaping social security policies.

Highlights

The retirement value for special regimes is about to change for the better, with a bill currently in process in Congress.

The speaker, Eric Magalhães, is a lawyer and partner at Magalhães Moreno, a firm specializing in labor and social security law.

A complementary bill, PLP number 42, is being discussed in the Chamber of Deputies to improve the value of special retirement.

The bill aims to make sense of the payment method for special retirement.

Before the social security reform, the calculation and payment method for special retirement were different.

The speaker explains how special retirement was calculated and paid before and after the reform.

Before the reform, the INSS summed up all contributions from July 1994 to the retirement application date and divided by the number of months paid.

Only the 80% highest salaries paid were considered for the calculation before the reform.

After the reform, the INSS continues to sum all contributions but only pays 60% of the average.

The INSS pays an additional 2% for women who work more than 15 years and men who work more than 20 years.

To receive 100% of the benefit, a woman must work for 35 years and a man for 40 years, which the speaker considers absurd.

The PLP 42 is important as it proposes changes to the calculation of the benefit to be the same as before the reform.

The difference in retirement benefit calculation under the new law could mean a loss of nearly R$300,000 over 15 years.

The speaker urges viewers to engage, comment, and share the video to support the approval of the bill.

The PLP 42 has been approved by a committee in the Chamber of Deputies and is awaiting full chamber voting.

If approved in the Chamber, the bill will move to the Federal Senate and then to the President for sanction.

The speaker emphasizes the importance of social pressure for the bill's approval and validation by the President.

The video concludes with a call to action for viewers to subscribe to the channel and like the video.