Retirement rules in 2026
The 2026 INSS retirement requirements: 62/65 years of age, the points rule (93/103), progressive minimum age and the 50% and 100% tolls.
Sidnei Pedro Dias
9/26/20262 min read
Since the Social Security Reform (Constitutional Amendment 103/2019), people who were already contributing before November 13, 2019 can retire under one of the transition rules, which become stricter every year. Those who started contributing afterwards follow the permanent rule. Here are the INSS requirements for 2026.
Retirement by age
Women: 62 years of age and 15 years of contributions. Men: 65 years of age and 15 years of contributions, for those already enrolled before the reform. Men who started contributing after 11/13/2019 need 20 years of contributions.
Points rule
Age is added to contribution time. In 2026, women need 93 points, with at least 30 years of contributions, and men need 103 points, with at least 35 years. The requirement rises by one point per year until it reaches 100 points for women (in 2033) and 105 for men (in 2028), under art. 15 of Constitutional Amendment 103/2019.
Progressive minimum age
Requires 30 years (women) or 35 years (men) of contributions and a minimum age that rises six months per year. In 2026, the age is 59 years and 6 months for women and 64 years and 6 months for men (art. 16 of Constitutional Amendment 103/2019).
50% toll
Applies only to those who, on 11/13/2019, were at most two years away from completing the minimum time (28 years of contributions for women and 33 for men). The person must serve the remaining time plus 50% of it, with no minimum age, and the amount is calculated with the social security factor (art. 17).
100% toll
Requires a minimum age of 57 (women) or 60 (men), 30 or 35 years of contributions and an additional period equal to what was missing on 11/13/2019. In return, the benefit equals 100% of the average salary (art. 20).
Which rule is best for me?
It depends on your age, the time already recognized and the value of your contributions. People often qualify under more than one rule, with very different amounts. Recognition of periods the INSS often does not count on its own also matters, such as rural work, special activity (unhealthy or hazardous), military service and employment not recorded in the CNIS.
Before filing, social security planning with a simulation of the rules applicable to your history is worthwhile. Filing under the wrong rule or without the right documents can lead to a lower benefit or a denial. If your claim has already been denied, see what to do when the INSS denies a benefit and learn about our work in social security law.
I want to know which rule applies to me
Informational content, in accordance with Provision 205/2021 of the Federal Council of the Brazilian Bar Association (OAB). Each case requires individual analysis. Information updated in September 2026. Teachers and special activities have their own rules.