The truth is that the best type of retirement for each person varies according to sex, age and contribution time, as well as the condition of the work carried out (whether it is risky or not). These are the characteristics that will determine when a person can retire and how much they will receive.
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Keep reading this article to find out which is the best option for your case.
Best type of retirement
By law, the one that is valid for each citizen is the one that is most advantageous (in which the amount received will be the greatest) when the person enters retirement. The National Institute of Social Security (INSS) is obliged to guide the worker, when he makes the request, on which is the best option for his case.
- Is it possible to choose the way in which I want to retire?
Yes. If you have already accumulated 35 years of contribution, for example, you can apply for retirement with a social security factor or you can wait until the sum of your age and contribution time totals 85, if you are a woman, or 95, if you are man. In this example, you can choose whichever is most advantageous for you.
- How do I apply for retirement?
The first step is to get the National Social Information Register (CNIS) and take it to the INSS to check if the contributions were passed on by the employers to the institute. You can make an appointment through the INSS website or by calling 135.
It is important that you keep your work cards, all booklets, collection forms, employment contracts and other documents that serve to prove the link and payment to the INSS. In addition, documents such as the FGTS statement and the CNIS itself also serve as proof of contributions.
You can carry out a simulation for retirement
Ideally, a lawyer specializing in social security law should do a simulation for you, once that he will know how to properly evaluate the result and will indicate the best form of retirement possible. In any case, the simulation can be done on the social security website.