Retirement by contribution time · SPD Advocacia
Retirement by contribution time: which transition rule applies to you
Those who were already contributing before the 2019 reform can retire under the transition rules. See the 2026 figures and tell us about your case to find the most favorable rule.
Straight answer
Does retirement by contribution time still exist?
For those who started contributing after November 13, 2019, no. Those who were already contributing can retire under the reform's transition rules. In 2026, the main ones are the points rule, the progressive minimum age rule and the "toll" (pedágio) rules. The best choice depends on each person's age, contribution time and salaries, and one rule may pay much more than another.
Requirements
What is required in 2026
Women: 93 points (age plus contribution time) and 30 years of contributions. Men: 103 points and 35 years.
Women: 59 years and 6 months of age and 30 years of contributions. Men: 64 years and 6 months and 35 years.
Woman aged 57 with 30 years of contributions; man aged 60 with 35, plus double the time that was missing on 13/11/2019.
For those who were up to 2 years from retiring on 13/11/2019, working an extra 50% of the remaining time, with no minimum age.
Source: Constitutional Amendment 103/2019, arts. 15 to 17 and 20. The points and the minimum age go up every year.
What is your case?
Situations the firm handles
Comparison of rules
We simulate all the transition rules to show the most advantageous one.
EC 103/2019Special time
Special work periods up to 13/11/2019 can be converted and increase your contribution time.
EC 103/2019, art. 25Old rural time
Rural work before 1991 may count as contribution time.
Law 8,213/1991, art. 55Forgotten periods
Military service, apprentice-student periods and unregistered jobs can count toward the total.
Document reviewAppeal or lawsuit
Denials for lack of contribution time can be reviewed with new evidence.
Appeal or Federal CourtReview
We check whether the INSS applied the correct rule and periods.
10-year termStep by step
How the firm works
- Review. We review the CNIS, the documents and the rules that apply to your case.
- Documents. We organize the missing evidence before the request, to avoid a denial.
- Request or appeal. Application to the INSS, administrative appeal or lawsuit in the Federal Court.
- Follow-up. Medical exams, deadlines and payment of back pay, when applicable.
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
Which transition rule pays more?
It depends on the case. The 100% toll rule usually gives a better calculation, but requires more time. Only a simulation with the CNIS shows the best option.
Do the points go up every year?
Yes. The points go up by one point per year and the progressive minimum age goes up by six months per year, up to the limits of the reform.
Is it worth waiting to retire later?
Sometimes, yes. Waiting a few months can increase the amount. The analysis shows when it pays off.
Does time on sickness benefit count?
It can count as contribution time when it falls between periods of work or contribution.
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.