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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.

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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.

General rule

65 for men and 62 for women, with a minimum of 20 and 15 years of contributions.

Transition rules

Points, progressive minimum age and tolls apply to those who were already contributing in November 2019.

Special time

Work with noise, chemical or biological agents may count differently.

Rural time

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

I'm close to retiring

Planning before the application

We compare the possible rules and show when and under which one the benefit is higher.

EC 103/2019
The CNIS has errors

Record correction

Unregistered jobs, wrong salaries and missing periods can be corrected before applying.

National Social Information Registry
I worked with health risks

Special retirement

Requires a PPP and technical reports. Special-time service can also improve other retirement benefits.

Law 8,213/1991, art. 57
I worked the land

Rural 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. 48
The INSS denied it

Appeal 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 appeal
I'm already retired

Benefit review

Calculation errors or periods not counted may justify a review, subject to the deadlines.

Law 8,213/1991, art. 103
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 of the CNIS (contribution record). We check employment records, salaries and gaps in your history.
  2. Simulation of the rules. Comparison of date and amount under each possible rule.
  3. Documents. PPP, employment record books (carteiras de trabalho), proof of rural work time and corrections to the records.
  4. Request and follow-up. Application to the INSS and, if necessary, an appeal or lawsuit.
+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

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.