If you will turn 65 in 2025 , this may be the right time to apply for your retirement and secure one of the best benefits that the INSS (Brazilian National Social Security Institute) can offer . This is because, under the current Social Security rules , those who reach this age and already have a minimum contribution period can retire with a more advantageous amount , without having to comply with complicated rules that emerged after the reform .
Retirement by age remains one of the simplest paths for those who have contributed regularly . In 2025, men can retire at age 65 with at least 15 years of contributions . For women, the minimum age is 62 , with the same 15 years of contributions. In other words, if you have already been contributing to the INSS (Brazilian Social Security Institute) , reaching this age can be the turning point to obtain a benefit without so many extra requirements.
Those who have contributed for a longer period may receive an even greater benefit . This is because the retirement benefit starts at 60% of the average salary since 1994 and increases by 2% for each year exceeding 20 years of contributions (for men) or 15 (for women) . So, if you are a man, 65 years old, and have 30 years of contributions , for example, you already start with 80% of the average salary . This is a difference that can weigh heavily on your wallet over the years .
If you started contributing before the pension reform , you can still benefit from the transition rules . One of them is the points rule , which adds your age and contribution time . In 2025, men need to reach 102 points and women, 92. For many people who turn 65 , this score is already reached naturally , which can guarantee a better calculation of the benefit and even a faster retirement .
