Aposentadoria por Idade
Autor | Hilário Bocchi Junior |
Ocupação do Autor | Advogado previdenciário na Bocchi Advogados Associados. Especialista em planejamento de aposentadorias na Aposentfácil. Mestre em direito público |
Páginas | 139-143 |
Page 139
É um benefício devido aos trabalhadores urbanos que completa rem 65 anos de idade, para o segurado do sexo masculino, e 60 anos de idade para o sexo feminino.
Os trabalhadores rurais terão idade reduzida em cinco anos, ou seja, aos 60 anos para os homens e aos 55 anos para as mulheres.
A empresa pode requerer a aposentadoria para o empregado do sexo masculino que completar 70 anos de idade, e 65 anos de idade para a empregada do sexo feminino. Uma vez requerida, o empregado ou empregada é obrigado a aceitá-la, daí chamar-se de aposentadoria compulsória.
Sexo | Urbano (idade) | Rural (idade) | Compulsória |
Homem | 65 | 60 | 70 |
Mulher | 60 | 55 | 65 |
Page 140
Não. É exigida também a comprovação de pelo menos 15 anos de contribuição.
Caso o segurado tenha iniciado suas contribuições antes de 25.07.1991, poderá alcançar o direito ao benefício com menos de 15 anos de contribuições, conforme tabela que pode ser vista no item "O que é carência?".
Para definir o tempo de contribuição exigido para adquirir a carência com menos de 15 anos, deve-se levar em consideração o ano em que o segurado completar a idade mínima para aposentadoria.
O trabalhador rural não precisa comprovar que contribuiu, mas apenas que trabalhou durante o tempo de contribuição idêntico ao que é exigido do trabalhador urbano, para requerer o benefício.
O tempo de contribuição é fundamental para otimizar o valor des te benefício, pois o percentual da média dos salários de contribuição do trabalhador, conforme definido no capítulo "Como os benefí cios são calculados?", será maior quanto mais tempo de contribuição possuir.
O índice será de 70% da média das contribuições que o segurado recolheu para o INSS, mais o acréscimo de 1% para cada ano completo de contribuição.
Page 141
Exemplo: Se o segurado contribuiu por 15 anos, terá 15% de acrésci mo; então seu índice será de 85% (70% + 15% pelos 15 anos de contri buição).
[VER PDF ADJUNTO]
Como se observa na tabela acima, o valor do benefício aumentará apenas um por cento a cada ano de contribuição; logo, não é viável retardar o recebimento do benefício visando aumentá-lo, pois o valor que o segurado deixa de receber no período de um ano não será...
Para continuar a ler
PEÇA SUA AVALIAÇÃO- Livros e Revistas
- Quero Me Aposentar. O caminho certo para sua aposentadoria
- Introdução
- Apresentação
- Seguridade Social
- Lei Orgânica da Assistência Social (LOAS)
- Previdência Social
- Beneficiários do INSS
- Contribuições e Carência
- Cálculo do Valor dos Benefícios
- Atualização do Valor dos Benefícios
- Acidente do Trabalho
- Prestações Oferecidas Pelo INSS
- Prova do Tempo de Serviço
- Aposentadoria por Tempo de Contribuição
- Aposentadoria Especial
- Aposentadoria por Idade
- Benefícios da Pessoa com Deficiência
- Benefícios por Incapacidade
- Salário-Família
- Salário-Maternidade
- Pensão por Morte
- Auxílio-Reclusão
- Reabilitação Profissional
- Serviço Social
- Abono Anual
- Acumulação de Benefícios
- Revisão de Benefícios
- Requisição de Pagamento
- Previdência Complementar
- Benefícios do Servidor Público
- Índice Alfabético Remissivo
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