Contrary to what many believe, the Benefit of Continued Provision (BPC), also called LOAS, and retirement by disability benefits are separate benefits and, in most cases, there is no possibility of converting them from one benefit to another. other. So, to better understand the difference between BPC/LOAS and disability retirement, keep reading!
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Differences between the benefits
According to the agency, the BPC/LOAS does not play the role of a retirement, since the insured does not need to contribute to the National Institute of Social Security (INSS), to receive it. In cases of permanent disability retirement, the citizen must have contributed to the INSS.
In addition, the BPC/LOAS grants a monthly minimum wage to elderly beneficiaries who are 65 years of age or older. Another target audience for the allowance are people with disabilities of any age. In addition, this type of benefit does not entitle to the 13th salary and does not provide for a death pension.
To receive being a person with a disability, the diseases considered are those that disable the beneficiary of carrying out any work of a physical, mental, intellectual or sensory nature for a long period of time period. In addition, it is necessary that the family income is less than or equivalent to ¼ of the minimum wage.
See how to apply
- Access My INSS;
- Log in to the portal and select the alternative “Agendamento/Requirements”;
- Click on “New Requirements”, update the necessary information and proceed;
- After that, type in the “search” field the word “disability” and select the service to be performed.
The beneficiary will be asked to appear at the agency with the reports, exams or certificates to prove the disability. In addition, a power of attorney or term of legal representation, official documentation with photo and CPF of the individual providing assistance to the disabled person will also be requested.
After this process, the insured person will undergo an evaluation by the INSS medical expert, which will determine whether the request can be granted to that citizen or not.