Retirements: the 10 key points that must be known to access the moratorium

The ANSeS has already begun to grant appointments

for the end of this month and the beginning of May to access the moratorium.

It is for people who have reached retirement age

(60 years for women, 65 for men), who do not have or will not have 30 years of contributions to start the retirement process in the next 2 years.

In these cases,

(inclusive) through the application of a method of payment in installments that will be discounted directly from the pension they obtain.

The number of installments may be up to 120.

The installments to be disbursed for the months to be regularized are calculated according to the so-called "Pension Debt Payment Unit", whose values ​​are equivalent to 29% of the minimum taxable base of remuneration in force on the date of the request for the pension benefit.

.

For example, one or more units per month may be paid, according to the chosen payment plan.

But that quota that will be paid, will

It will not affect the credit, which will be calculated on the basis of the contributions actually paid without moratorium.

In other words, whoever retires with the moratorium will have a "discount" from their retirement

because they will receive only the years contributed and will also have the discount of the quota on assets during the months or years that the moratorium lasts.

It is estimated that in most cases,

or a little more,

For example, a worker with an average salary of $200,000 and 15 years of contributions, who can regularize another 15 years through the moratorium, will

(35.9% of the updated average salary).

The value of the monthly fee (which is updated quarterly for mobility), assuming a payment plan of 90 installments, will be $11,459.

Assuming a payment plan of 120 installments, it would come to $8,595.

Thus,

(90 plan) would be $60,378 and

.

All the requirements to access the ANSeS moratorium

The remaining requirements are:

• To enter the

  Pension Debt Payment Plan,

  applicants may not acquire foreign currency through the exchange market for a period of 12 months, counted from the date of application.

• Based on a set of parameters (income, assets, debit and credit card expenses),

  the ANSeS will assess the applicant's socio-economic situation

  before granting the benefit.

  If you meet these parameters, you can cancel the debt for the years of moratorium in up to 120 installments, deductible from the pension credit.

• The amount of

  the fee may not exceed 30% of the

  minimum

  credit ($58,665.43), that is, $17,600.

• If you exceed these parameters

  , you will only be able to access the moratorium

  if you cancel the debt "in a single payment

  , which will not be deductible from the pension credit."

• Each month of the moratorium is $5,729.97.

  Thus, who regularizes 10 years, the cost is $687,596 (120 months x 5,729.97).

  And 20 years would add 1,375,193 (240 months x $5,729.97).

  These values ​​are equivalent to almost a year or 2 years of minimum earnings (today $58,665 gross).

• Those who have pension debt as self-employed or monotributista can enter the moratorium, prior forgiveness of that debt.

  Then they would declare the months not worked and the months worked and not paid because that debt would be forgiven.

  The amount of the moratorium installment could be less than the pension debt.

• A person retiring for widowhood, who is receiving only the minimum amount, if they are already 60 years of age or over or are about to turn 60 in the case of women or 65 or over for men, may retire through the new moratorium

  .

  In that case, she would continue to collect the pension plus retirement, less the moratorium fee for up to 30, 60 or 120 months, depending on the plan.

• For example, a 66-year-old pensioner who is receiving the minimum pension for the death of her spouse, and has 5 years of effective contributions and 2 children, could regularize 20 years for moratorium.

  She would retire with the minimum amount and $11,460

  (adjustable for mobility) would be deducted over 120 months.

• Those who receive a pension higher than the minimum amount can also retire by paying the moratorium in cash.

• Those who collect the Universal Pension for the Elderly

  (PUAM) - more than 250,000 people -

  can improve the amount of their salaries

  and other conditions of the pension benefit if they replace it with a retirement by accessing the moratorium.

NS

look also

Moratorium: monotributistas and self-employed will be able to enter

Basket of retirees: it already costs a little more than $ 200,000