If you're approaching or have already passed 45, it's natural to start thinking about the future and, especially, retirement. After all, this is an important time in life, and it's essential to understand how the process works to plan properly. In this guide, we'll explain in a simple and direct way how retirement by age works in 2025, so you can prepare without surprises.
Retirement due to age is a benefit guaranteed by the INSS (National Institute of Social Security) for those who meet three main requirements: reaching a minimum age, contribution period, and waiting period. It is a way to guarantee a monthly income after years of work.
The rules for 2025 remain the same as in previous years. To retire due to age, you need to meet the following requirements:
One of the most common questions is: What changes in retirement by age in 2025? The good news is that, for retirement by age, there are no significant changes to the rules in 2025. The age and contribution time requirements remain the same. However, it is always important to be aware of possible legal updates or adjustments to the benefit amounts.
Now that you know the requirements, let's understand how retirement by age works . The benefit amount is calculated based on the average of your salaries throughout your life, considering all contributions made to the INSS (Brazilian Social Security Institute). From this average, a percentage is applied that varies according to the contribution period. The more years you contributed, the higher the benefit amount will be. In 2025, the minimum retirement benefit will be equivalent to one minimum wage (in 2025, the value is R$ 1,518.00).
Yes, it is possible to retire based solely on age, provided you meet the age, contribution time, and waiting period requirements. However, it's important to remember that other types of retirement exist, such as retirement based on contribution time or special retirement, which may be more advantageous depending on your situation. Therefore, it is crucial to evaluate all options before making a decision.
If you haven't yet reached 15 years of contributions, you won't be able to retire due to age. However, you can continue working and contributing until you complete that time. The important thing is to keep your contributions up to date, as every contribution counts towards guaranteeing your rights in the future.
