Retirement and planning · SPD Advocacia
When can you retire? Retirement planning
After the Social Security Reform, choosing the right rule changes the benefit amount. We analyze your contribution history and show you the best path before the application to the INSS.
What changed
Retirement rules today
Constitutional Amendment 103/2019 created a general rule and several transition rules for those who were already contributing before the reform. The transition rules change their requirements every year, and each one calculates the benefit differently.
65 for men and 62 for women, with a minimum of 20 and 15 years of contributions.
Points, progressive minimum age and tolls apply to those who were already contributing in November 2019.
Work with noise, chemical or biological agents may count differently.
Farm work, even without a formal contract, can be recognized with proper evidence.
Source: Constitutional Amendment 103/2019. The requirements of the transition rules are updated every year.
What is your case?
Situations the firm handles
Planning before the application
We compare the possible rules and show when and under which one the benefit is higher.
EC 103/2019Record correction
Unregistered jobs, wrong salaries and missing periods can be corrected before applying.
National Social Information RegistrySpecial retirement
Requires a PPP and technical reports. Special-time service can also improve other retirement benefits.
Law 8,213/1991, art. 57Rural time and hybrid retirement
Rural work time can be added to urban work time to reach the age-based retirement.
Law 8,213/1991, art. 48Appeal or lawsuit
Requests denied for lack of contribution time or documents can be reviewed at the INSS or in the Federal Courts.
Administrative or court appealBenefit review
Calculation errors or periods not counted may justify a review, subject to the deadlines.
Law 8,213/1991, art. 103Step by step
How the firm works
- Review of the CNIS (contribution record). We check employment records, salaries and gaps in your history.
- Simulation of the rules. Comparison of date and amount under each possible rule.
- Documents. PPP, employment record books (carteiras de trabalho), proof of rural work time and corrections to the records.
- Request and follow-up. Application to the INSS and, if necessary, an appeal or lawsuit.
Case review
Let's review your case
Answer the questions, one at a time. At the end you can attach documents, which go straight to a folder in the firm's Drive, and send the summary via WhatsApp. Everything is protected by attorney-client confidentiality.
Common questions
Frequently asked questions
Is it worth planning before applying?
Yes. An application filed under the wrong rule or with incomplete records can reduce the amount or delay the benefit.
How do I get my CNIS?
Through the Meu INSS app or website. If you prefer, the team explains how to download the statement.
Do self-employed contributions count?
They count, as long as they were paid correctly. Payments below the minimum may need to be topped up.
Do you serve clients outside Goiás?
Yes. All the planning can be done remotely.
How much does it cost?
After the analysis, the firm sends a written fee proposal before any engagement.
