A doubt that hangs around in the minds of many people is whether those who are not carrying out an activity paid can contribute to the National Institute of Social Security (INSS), but the answer is simple: yes. Who doesn't have a job portfolio signed, you can continue with your contributions to be entitled to receive some social security benefits such as, for example, retirement, sick pay and also death pension.
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In these cases, the contribution is considered optional, but still needs to be made monthly through a Social Security Guide (GPS). Anyone who is unemployed, students and housewives, for example, may be considered an “optional contributor”. Another valid point is that you also need to be over 16 to start contributing. It is important to say here that the list is much longer.
Contributions to be made on a monthly basis are calculated on the minimum wage, which is currently worth R$ 1,212, up to a maximum INSS ceiling of R$ 7,087.22. The person interested in contributing can choose between three different rates: 5%, 11% and 20%. Depending on how much your monthly income is and the option chosen, you will only be entitled to retirement by age or also by contribution time.
How to pay
It's quite simple. Just access the INSS website, as there you will be able to find the step-by-step instructions for filling out the Social Security Guide. In this tab, the taxpayer needs to put the respective INSS payment code.
The NIT/PIS/Pasep number of the person making the contribution is also required. If he does not have this number yet, he will need to register with the INSS so that he can obtain the Worker Registration Number (NIT). This GPS can be generated by the application that is available for Android and iOS or in My INSS.
In cases of delay, it is possible to pay the guides that have not expired within a maximum period of six months. After this expiration date, the taxpayer loses his status as an insured person and also loses access to INSS benefits. If it is still within six months after the due date, just issue the GPS with the interest linked to the calculation.
Contribution options
It is interesting to show here some forms of contributions and their respective payment codes, rates and also the amounts to be paid by optional contributors.
Low-income optional taxpayer – code 1929
To fit into this category, you must have a family income below two minimum wages and be enrolled in the CadÚnico system. The amount of the contribution is 5% of the remuneration. Arriving at R$ 60.60 per month. Contributing in this category entitles the insured person to receive old-age retirement, in addition to other benefits.
Optional taxpayer - code 1473
In this form of contribution, only fit people who do not have paid activities, which are the cases of students – on some occasions – or of housewives and people who are momentarily unemployed.
The amount of the contribution is 11% of the minimum wage. Something around R$ 133.32 per month. This contribution also entitles you to retirement due to old age and some other INSS benefits.
Optional taxpayer - code 1406
Here also fit people who do not exercise activity remunerated, similar to our previous option. The contribution can start from 20% of the minimum wage up to the institute's ceiling, which is currently R$ 7,087.22.
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