TEACHER

Teacher Retirement (Updated / 2020)

Discover all the rights, benefits and advantages that this professional has when retiring.

Teacher's Retirement

We are a family owned and operated business.

Professionals who work exclusively in the teaching profession have different benefits in terms of retirement, both in the General Social Security Regime (RGPS) of the INSS and in the Private Pension Schemes (RPPS) of public servants.

We are a family owned and operated business.

The teacher's activity requires a lot of professional and psychological preparation. For this reason, although the exercise of teaching is not considered as a special activity for retirement purposes, it is fair to establish some advantages in relation to other types of retirement, starting with a five-year reduction in the minimum contribution time.

We are a family owned and operated business.

Until 11/13/2019, date of publication of the Social Security Reform, the requirements for the teacher's retirement were:

We are a family owned and operated business.

Contribution time in teaching functions

Female: 25 years old

Male: 30 years old

Grace period (both sexes): 180 contributions

We are a family owned and operated business.

Despite this, the major disadvantage was the application of the social security factor, the sooner the benefit was requested, the lower the retirement amount. With the advent of the Social Security Reform, a minimum age to retire is also required, on the other hand, the calculation is different, without the application of the social security factor.

We are a family owned and operated business.

We are a family owned and operated business.

Which teaching activities are recognized

We are a family owned and operated business.

The INSS understands that teaching functions are those performed by teachers in basic education establishments, that is, early childhood education, elementary school and high school in the classroom and distance modalities.

We are a family owned and operated business.

In addition to teaching in any capacity, other activities performed by the teacher within the school unit are also recognized for counting time. Examples are the functions of direction, coordination and pedagogical advice, as well as administrative, planning, supervision, inspection and educational guidance activities.

We are a family owned and operated business.

The time worked in the public service is also valid. Including the periods when the insured was away, as long as he was practicing teaching.

How was the Teacher's Retirement after the Reformation?

We are a family owned and operated business.

The Pension Reform established a minimum age for teachers to be entitled to retirement. Another bad news is that the calculation formula has worsened.

We are a family owned and operated business.

Policyholders who started teaching after November 13, 2020, will have to be 60 years old, if male, or 57 years old, if female, in addition to 25 years of contribution in the activity.

We are a family owned and operated business.

The benefit calculation will be:

We are a family owned and operated business.

Arithmetic average of all wages (100%) from June 1994 to the month prior to the request . Before, it was considered the 80% highest salaries in this period, that is, it disregarded the lowest contributions.

We are a family owned and operated business.

Now as for the calculation of RMI (Initial Monthly Income):

We are a family owned and operated business.

Private Network Teachers

• 60% of average salary +

• + 2% for each year after the first 20 years contributed (men)

• + 2% for each year after the first 15 years contributed (women)

We are a family owned and operated business.

Public School Teachers

• 60% of average salary +

• 2% for each year after the first 20 years contributed, in both sexes

We are a family owned and operated business.

We are a family owned and operated business.

And who was about to retire?

We are a family owned and operated business.

For these people, transition rules were created. Get to know:

We are a family owned and operated business.

Minimum Age Rule - In practice, men must be at least 56 years and 6 months old and women 51 years and 6 months old this year (2020). The minimum age rises by 6 months each year, reaching 57 for them (2027) and 52 for them (2031).

We are a family owned and operated business.

Points rule -   As for the points rule, teaching professionals should add years of work with years of contribution. Men must reach 91 points and women 81 (minimum contribution of 30 years for them and 25 for them).