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Retirement by age · SPD Advocacia

Retirement by age: see if you are already entitled

Women at 62 and men at 65, with the minimum contribution period. Check the 2026 rules and the documents, and tell us about your case for an analysis of your CNIS via WhatsApp.

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Straight answer

Who can retire by age in 2026?

Women retire by age at 62, with at least 15 years of contributions. Men retire at 65, with 15 years of contributions if they started contributing by November 13, 2019, or 20 years if they started after that date. The amount starts at 60% of the average salaries, plus 2% for each year beyond 15 years of contributions for women, or beyond 20 years for men.

Requirements

What is required in 2026

Woman

62 years of age and 15 years of contributions.

Man

65 years of age and 15 years of contributions, or 20 years for those who started contributing after 13/11/2019.

Waiting period

180 monthly contributions, counted from the first on-time payment.

Time working the land

Those who worked both in the countryside and in the city can combine both periods in hybrid retirement.

Source: Constitutional Amendment 103/2019, arts. 18 and 26, and Law 8,213/1991.

What is your case?

Situations the firm handles

I haven't requested it yet

Carefully checked request

We check the CNIS before the application, so no employment records or contributions are lost.

CNIS review
The INSS denied it

Appeal or lawsuit

Denials for lack of waiting period or employment record can be reviewed with new evidence.

Appeal or Federal Court
Employment that doesn't show up

Work record missing from CNIS

Old jobs that do not appear in the system can be included with the work booklet and other evidence.

Law 8,213/1991
I worked the land

Hybrid retirement

Rural and urban time added together to reach 15 or 20 years.

Law 8,213/1991, art. 48, § 3
I was an MEI or self-employed

Contributions paid by payment slip

Contributions paid as an MEI or self-employed person count toward retirement by age.

Review of tax forms
I'm already retired

Amount review

We check whether the calculation included all salaries and periods.

10-year term
This page provides general information, does not replace an analysis of the case and there is no guarantee of results.

Step by step

How the firm works

  1. Review. We review the CNIS, the documents and the rules that apply to your case.
  2. Documents. We organize the missing evidence before the request, to avoid a denial.
  3. Request or appeal. Application to the INSS, administrative appeal or lawsuit in the Federal Court.
  4. Follow-up. Medical exams, deadlines and payment of back pay, when applicable.
+5 thousand cases handledTen years of law practicePractice before the STJ and the STFFeatured in G1, UOL, Estadão and TV Globo

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

Can a woman who never contributed retire by age?

Not through retirement by age. You need the required contributions. Those who don't have them and are low-income may be entitled to BPC/LOAS from age 65.

Do MEI contributions count?

It counts toward retirement by age. However, those who pay only the MEI fee receive benefits based on the minimum wage.

Can I keep working after retiring?

Yes. Retirement by age does not prevent you from working.

How long does the INSS take to respond?

It depends on the agency's queue. If the legal deadline passes without a response, you can demand a decision.

Do you serve clients outside Anápolis?

Yes. Service is provided at the firm's office in Anápolis, or online for all of Goiás and other states.

How much does it cost?

After the analysis, the firm sends a written fee proposal before any engagement.