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data-elementor-type="wp-post" data-elementor-id="1312" class="elementor elementor-1312">

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VEJA QUAL APOSENTADORIA É MAIS VANTAJOSA PARA VOCÊ EM 2022


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Essa pergunta pode parecer um pouco estranha, uma vez que muitos clientes perguntam, se existe a opção de escolher uma aposentadoria mais vantajosa.

A boa notícia é que, sim, você pode escolher uma aposentadoria mais vantajosa, para isso precisa ter conhecimento sobre as regras de transição, isso porque com a reforma da Previdência, que entrou em vigor em 13 de novembro de 2019, surgiram as regras de transição que se modificam anualmente.

As regras de transição são para os segurados que já estavam contribuindo ao INSS, mas que ainda não haviam concluído os requisitos para dar entrada na aposentadoria quando a reforma foi aprovada.

Existem hoje cinco principais regras de transição, e cada regra define um tempo e valor diferente, daí a importância de se manter atento. O objetivo é permitir que os atuais trabalhadores se aposentem antes da idade mínima estabelecida pela reforma, mas vamos lá, para 2022 temos as seguintes atualizações nas regras:

Transição por sistema de pontos

Conhecida como sistema de pontos, o trabalhador deverá alcançar uma pontuação que resulta da soma de sua idade mais o tempo de contribuição. O número para 2022 agora está em 89 para as mulheres e 99 para os homens, respeitando o tempo mínimo de contribuição (35 anos para homens e 30 anos para mulheres).

Transição por tempo de contribuição + idade mínima.
Em 2022, as mulheres precisam ter 57 anos e seis meses de idade, e os homens, 62 anos e seis meses de idade, com o mínimo de 30 anos de contribuição para as mulheres e de 35 anos para os homens.

Transição por idade

Nessa regra, para os homens, a idade mínima continua sendo de 65 anos. Para as mulheres começa em 60 anos. Mas, desde 2020, a idade mínima de aposentadoria da mulher é acrescida de seis meses a cada ano, até chegar a 62 anos em 2023. O tempo mínimo de contribuição exigido é de 15 anos para ambos os sexos, neste ano as mulheres precisam ter 61 anos e seis meses de idade.

Transição com pedágio de 50%

Nessa regra, ao Segurado que faltava no máximo, 02 anos para cumprir o tempo mínimo de contribuição (35 anos para homens e 30 anos para mulheres) na data da aprovação da reforma (13/11/2019), poderá se aposentar sem a idade mínima, mas deve pagar um pedágio de 50% do tempo que faltava em 13/11/2019. Por exemplo, quem estiva a um ano da aposentadoria deverá trabalhar mais seis meses, totalizando um ano e meio.

Transição com pedágio de 100%

Nessa regra, ao segurado que não completou o tempo mínimo de contribuição (35 anos para homens e 30 anos para mulheres) na data da aprovação da reforma (13/11/2019), poderá se aposentar com idade mínima de 57 anos para mulher e 60 anos par homem, mas deve pagar um pedágio de 100% do tempo que faltava.
Por exemplo, quem estava a um ano da aposentadoria deverá trabalhar mais um ano, totalizando dois anos.

Essas regras influenciam no valor da aposentadoria, por exemplo: João na data de reforma tinha 33 anos de contribuição e 57 anos de idade, portanto ele terá direito a regra do padágio 50% em 04/08/2023 – com uma aposentadoria de R$2.980,00, e a regra 100% 17/01/2024, com uma aposentadoria de R$4.180,00.

E o Simulador do MeuINSS ( INSS) funciona?

A resposta é sim e não, isso porque não é possível confiar nas simulações do sistema do INSS, pois sua analise é baseada no CNIS (Cadastro Nacional de Informações Sociais). No momento efetiva análise da aposentadoria seus dados serão validados em outro sistema (PRISMA). Há casos onde a simulação contabilizou contribuições abaixo do mínimo, vínculos extemporâneos, mas no momento da concessão descartou essas contribuições irregulares e o segurado não conseguiu se aposentar ou valor foi muito abaixo do que deveria ser. Outro ponto importante é que o aplicativo não faz as projeções futuras, não possibilitando a melhor escolha.

A melhor aposentadoria em 2022, deverá ser analisada caso a caso, de forma a proporcionar um conhecimento seguro do valor da sua aposentadoria.

Busque conhecer as regras de transição que cabem ao seu caso.


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