Studies prepared by experts propose changes to Social Security rules, including the gradual increase in the minimum retirement age up to 67 years old, changes to the Individual Microentrepreneur (MEI) contribution, bonuses for women with children and the adoption of a mixed capitalization system.
INSS: Proposed law provides for a change in the minimum age for retirement
Studies prepared by experts propose changes to Social Security rules, including the gradual increase in the minimum retirement age up to 67 years old, changes to the Individual Microentrepreneur (MEI) contribution, bonuses for women with...
The diagnosis considers the aging of the population, the reduction in the birth rate and changes in the job market, such as pejotization and uberization. Among the measures suggested is raising the minimum age, currently 65 years old for men and 62 years old for women, up to 67 years old for both.
- The increase would occur through an automatic mechanism related to life expectancy published by IBGE.
- Another proposal provides for an additional pension for women with children, limited to three children.
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The proposals are defended by experts linked to the Public Policy Debate Center (CDPP) and the Mobility and Social Development Institute (IMDS). The diagnosis considers the aging of the population, the reduction in the birth rate and changes in the job market, such as pejotization and uberization.
Among the measures suggested is raising the minimum age, currently 65 years old for men and 62 years old for women, up to 67 years old for both. The increase would occur through an automatic mechanism related to life expectancy published by IBGE.
Another proposal provides for an additional pension for women with children, limited to three children. It is also planned to increase the MEI contribution from 5% to 11% of the minimum wage, in addition to changes depending on the level of education.
The package also includes the decoupling of the adjustment of social security benefits from the adjustment of salaries, the end of special pensions for certain categories and a transition to a system divided into three layers. One of them would have a universal basic income, another would maintain the mandatory contribution to the INSS and the third would adopt capitalization for those who receive above the ceiling.
The measures also include combating pejotization, creating contributions for applications, ending certain tax exemptions and reinforcing supervision against INSS fraud.
According to economist Paulo Tafner, population aging is expected to increase pressure on the system. For Fábio Giambiagi, a reform in 2027 would be desirable and, in 2031, inevitable.
Currently, the INSS serves around 42 million beneficiaries, with an average payment of R$2,124.72. The financing need for the General Social Security Regime is estimated at 2.49% of GDP in 2026, above R$330 billion.
Despite discussions, the measures are still in a preliminary phase. To date, there are no approved rules or official measures defined by the government or the National Congress.
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