Brazil Raises INSS Retirement Thresholds for 2026 Under 2019 Pension Reform

Overview

• Minimum ages under the progressive rule rise to 59 years and 6 months for women and 64 years and 6 months for men, with required contributions of 30 and 35 years, respectively.
• The rule of points increases to 93 for women and 103 for men, reflecting the sum of age and years of contributions.
• Teachers keep reduced thresholds at 54 years and 6 months for women with 25 years in magistério and 59 years and 6 months for men with 30 years.
• Public servants follow the points path but must also have 20 years in public service and five years in the position held.
• The early-access pedágio routes have largely run their course, the benefit calculation method remains unchanged, and the INSS ‘Simular Aposentadoria’ tool on Meu INSS is recommended for planning.