É possível se aposentar sem idade mínima em 2024?
SIM E NÃO.
A resposta é “NÃO” para quem se filiou ao Regime Geral de Previdência Social – RGPS (INSS) após a Reforma da Previdência, introduzida pela Emenda Constitucional nº 103, de 12 de novembro de 2019. Isso porque as novas regras exigem a idade mínima e tempo mínimo de contribuição.
Contudo, é resguardado o direito adquirido, garantindo, assim, a quem já havia implementado o tempo mínimo de contribuição até 12/11/2019 (35 anos para homem e 30 anos para mulher) continua sendo possível requerer a aposentadoria sem idade mínima.
Mas há ainda uma regra de transição, sem idade mínima, para aqueles que já eram filiados ao Regime Geral de Previdência Social – RGPS antes de 13/11/2019. É a regra da aposentadoria por pontos.
Não exige idade mínima mas… Além de exigir uma pontuação mínima, a regra da aposentadoria por pontos estabelece um tempo mínimo de contribuição: 30 anos para as mulheres e 35 anos para os homens.
Por essa regra de transição se instituiu um sistema de pontos, que também é conhecido pela fórmula 86/96. As mulheres precisam acumular 86 pontos para poderem se aposentar, e os homens precisam acumular 96 pontos.
Esses pontos são formados pela soma da idade com o tempo de contribuição desse segurado para a Previdência Social. E esse sistema de pontos, que em 2019 era 86-96, aumenta 1 ponto por ano, até 2028 para os homens e até 2033 para as mulheres, quando será de 100/105.
Acompanhe o sistema de pontuação até chegar em 100/105:
– 2019: 86/96
– 2020: 87/97
– 2021: 88/98
– 2022: 89/99
– 2023: 90/100
– 2024: 91/101
– 2025: 92/102
– 2026: 93/103
– 2027: 94/104
– 2028: 95/105 (ano limite para os homens)
– 2029: 96/105
– 2030: 97/105
– 2031: 98/105
– 2032: 99/105
– 2033: 100/105 (ano limite para as mulheres)
Isso significa que, em 2028, o sistema de pontos para os homens estabilizará em 105 pontos, e, em 2033, o sistema de pontos para as mulheres será estabilizado em 100 pontos.
Tem mais alguma dúvida sobre a aposentadoria por pontos? Quer saber mais sobre as regras de aposentadoria que se aplicam ao seu caso? Fale com um de nossos especialistas.
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