{"id":5491,"date":"2026-01-21T08:42:35","date_gmt":"2026-01-21T11:42:35","guid":{"rendered":"https:\/\/promovanainternet.com.br\/goncalvesebruxellas-com-br\/?p=5491"},"modified":"2026-01-21T08:58:05","modified_gmt":"2026-01-21T11:58:05","slug":"regras-de-aposentadoria-apos-a-ec-103-2019","status":"publish","type":"post","link":"https:\/\/promovanainternet.com.br\/goncalvesebruxellas-com-br\/regras-de-aposentadoria-apos-a-ec-103-2019\/","title":{"rendered":"Regras\u00a0de\u00a0aposentadoria\u00a0ap\u00f3s\u00a0a\u00a0EC\u00a0103\/2019"},"content":{"rendered":"

A\u00a0Reforma\u00a0da\u00a0Previd\u00eancia\u00a0foi\u00a0uma\u00a0medida\u00a0do\u00a0Congresso\u00a0Nacional,\u00a0atrav\u00e9s da\u00a0<\/span>Emenda Constitucional n\u00ba 103\/2019<\/span><\/b>, que alterou as regras de aposentadoria, pens\u00e3o, al\u00edquotas e outras regras do Direito Previdenci\u00e1rio.<\/span><\/p>\n

Para ter direito ao benef\u00edcio de aposentadoria por tempo de contribui\u00e7\u00e3o antes da\u00a0<\/span>Emenda Constitucional n\u00ba 103\/2019,\u00a0<\/span><\/b>\u00e9 exigido cumprir\u00a0integralmente<\/span>\u00a0<\/span><\/b>35 anos de contribui\u00e7\u00e3o, para os homens, e 30 anos de contribui\u00e7\u00e3o, para as mulheres at\u00e9 12\/11\/2019.<\/span>\u00a0<\/span><\/p>\n

Para\u00a0quem se filiou\u00a0ao INSS ap\u00f3s a\u00a0Reforma\u00a0previdenci\u00e1ria,\u00a0a regra geral da aposentadoria por tempo de contribui\u00e7\u00e3o \u00e9 ter o\u00a0<\/span>tempo de contribui\u00e7\u00e3o exigido (35 anos para os homens e 30 anos para as mulheres) + a idade m\u00ednima (60 anos para os homens e 57 anos para as mulheres)<\/span><\/b>.\u00a0<\/span>\u00a0<\/span><\/p>\n

Todavia, os\u00a0contribuintes\u00a0que\u00a0n\u00e3o completaram o tempo m\u00ednimo\u00a0exigidio\u00a0antes da altera\u00e7\u00e3o da lei, mas j\u00e1 eram filiados no INSS antes da publica\u00e7\u00e3o EC 103\/2019,\u00a0entram\u00a0nas chamadas\u00a0<\/span>\u201cRegras de transi\u00e7\u00e3o\u201d.\u00a0<\/span><\/b>Vejamos as regras:<\/span>\u00a0<\/span><\/p>\n

 <\/p>\n

    \n
  1. Regra por Pontos:\u00a0<\/span><\/b>previsto\u00a0no\u00a0art. 15 da EC 103\/2019, em que prev\u00ea para o\u00a0segurado\u00a0a necessidade de possuir\u00a0o\u00a0<\/span>tempo m\u00ednimo de contribui\u00e7\u00e3o (30 anos para mulher e 35 anos para os homens) e de atingir uma pontua\u00e7\u00e3o (soma da idade + tempo de contribui\u00e7\u00e3o)<\/span><\/b>. Lembrando que a cada ano essa pontua\u00e7\u00e3o sobe um ponto.\u00a0<\/span>\u00a0<\/span><\/li>\n<\/ol>\n

    Em 2026 a\u00a0<\/span>mulher precisa de 30 anos de contribui\u00e7\u00e3o<\/span><\/b>, sendo necess\u00e1rio\u00a0somar\u00a0<\/span>93\u00a0pontos,\u00a0<\/span><\/b>e\u00a0o\u00a0<\/span>homem\u00a0precisa de\u00a035\u00a0anos\u00a0de\u00a0contribui\u00e7\u00e3o<\/span><\/b>, somando\u00a0<\/span>103 pontos<\/span><\/b>. Vejamos a tabela abaixo:<\/span>\u00a0<\/span><\/p>\n

    \u00a0<\/span><\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
    HOMENS<\/span><\/b>\u00a0<\/span><\/td>\nMULHERES<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    ANO<\/span><\/b>\u00a0<\/span><\/td>\nPONTOS<\/span><\/b>\u00a0<\/span><\/td>\nANO<\/span><\/b>\u00a0<\/span><\/td>\nPONTOS<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2020<\/span><\/b>\u00a0<\/span><\/td>\n97<\/span><\/b>\u00a0<\/span><\/td>\n2020<\/span><\/b>\u00a0<\/span><\/td>\n87<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2021<\/span><\/b>\u00a0<\/span><\/td>\n98<\/span><\/b>\u00a0<\/span><\/td>\n2021<\/span><\/b>\u00a0<\/span><\/td>\n88<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2022<\/span><\/b>\u00a0<\/span><\/td>\n99<\/span><\/b>\u00a0<\/span><\/td>\n2022<\/span><\/b>\u00a0<\/span><\/td>\n89<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2023<\/span><\/b>\u00a0<\/span><\/td>\n100<\/span><\/b>\u00a0<\/span><\/td>\n2023<\/span><\/b>\u00a0<\/span><\/td>\n90<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2024<\/span><\/b>\u00a0<\/span><\/td>\n101<\/span><\/b>\u00a0<\/span><\/td>\n2024<\/span><\/b>\u00a0<\/span><\/td>\n91<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2025<\/span><\/b>\u00a0<\/span><\/td>\n102<\/span><\/b>\u00a0<\/span><\/td>\n2025<\/span><\/b>\u00a0<\/span><\/td>\n92<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2026<\/span><\/b>\u00a0<\/span><\/td>\n103<\/span><\/b>\u00a0<\/span><\/td>\n2026<\/span><\/b>\u00a0<\/span><\/td>\n93<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2027<\/span><\/b>\u00a0<\/span><\/td>\n104<\/span><\/b>\u00a0<\/span><\/td>\n2027<\/span><\/b>\u00a0<\/span><\/td>\n94<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2028<\/span><\/b>\u00a0<\/span><\/td>\n105<\/span><\/b>\u00a0<\/span><\/td>\n2028<\/span><\/b>\u00a0<\/span><\/td>\n95<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    \u00a0<\/span><\/td>\n\u00a0<\/span><\/td>\n2029<\/span><\/b>\u00a0<\/span><\/td>\n96<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    \u00a0<\/span><\/td>\n\u00a0<\/span><\/td>\n2030<\/span><\/b>\u00a0<\/span><\/td>\n97<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    \u00a0<\/span><\/td>\n\u00a0<\/span><\/td>\n2031<\/span><\/b>\u00a0<\/span><\/td>\n98<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    \u00a0<\/span><\/td>\n\u00a0<\/span><\/td>\n2032<\/span><\/b>\u00a0<\/span><\/td>\n99<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    \u00a0<\/span><\/td>\n\u00a0<\/span><\/td>\n2033<\/span><\/b>\u00a0<\/span><\/td>\n100<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

     <\/p>\n

     <\/p>\n

    2.\u00a0 Idade M\u00ednima Progressiva<\/span><\/b>: previsto\u00a0no\u00a0art.\u00a016\u00a0da\u00a0EC\u00a0103\/2019,\u00a0estabelece\u00a0uma progress\u00e3o na idade<\/span>\u00a0<\/span><\/b>inicialmente definida em 2019\u00a0aumentando\u00a0a cada ano 6 meses\u00a0na idade exigida, at\u00e9 chegar\u00a0no\u00a0limite de\u00a0<\/span>65 anos, para homens, e 62 anos, para as mulheres,\u00a0<\/span><\/b>exigindo tamb\u00e9m um tempo m\u00ednimo de contribui\u00e7\u00e3o.<\/span><\/p>\n

    Em\u00a02026, a\u00a0<\/span>mulher precisa ter 59 ANOS E 6 MESES de idade + 30 anos de\u00a0contribui\u00e7\u00e3o<\/span><\/b>,\u00a0e o\u00a0<\/span>homem precisa ter 64 ANOS E 6\u00a0MESES + 35 anos de contribui\u00e7\u00e3o<\/span><\/b>.\u00a0Vejamo\u00a0como funciona a progress\u00e3o:<\/span>\u00a0<\/span><\/p>\n

    \u00a0<\/span><\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
    Ano<\/span><\/b>\u00a0<\/span><\/td>\nIdade\u00a0m\u00ednima\u00a0para\u00a0homens<\/span><\/b>\u00a0<\/span><\/td>\nIdade\u00a0m\u00ednima\u00a0para\u00a0mulheres<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2019<\/span><\/b>\u00a0<\/span><\/td>\n61\u00a0ANOS<\/span><\/b>\u00a0<\/span><\/td>\n56\u00a0ANOS<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2020<\/span><\/b>\u00a0 \u00a0\u00a0<\/span><\/td>\n61\u00a0ANOS\u00a0E\u00a06\u00a0MESES<\/span><\/b>\u00a0<\/span><\/td>\n56\u00a0ANOS\u00a0E\u00a06\u00a0MESES<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2021<\/span><\/b>\u00a0<\/span><\/td>\n62\u00a0ANOS<\/span><\/b>\u00a0<\/span><\/td>\n57\u00a0ANOS<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2022<\/span><\/b>\u00a0<\/span><\/td>\n62\u00a0ANOS\u00a0E\u00a06\u00a0MESES<\/span><\/b>\u00a0<\/span><\/td>\n57\u00a0ANOS\u00a0E\u00a06\u00a0MESES<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2023<\/span><\/b>\u00a0<\/span><\/td>\n63\u00a0ANOS<\/span><\/b>\u00a0<\/span><\/td>\n58\u00a0ANOS<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2024<\/span><\/b>\u00a0<\/span><\/td>\n63\u00a0ANOS\u00a0E\u00a06\u00a0MESES<\/span><\/b>\u00a0<\/span><\/td>\n58\u00a0ANOS\u00a0E\u00a06\u00a0MESES<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2025<\/span><\/b>\u00a0<\/span><\/td>\n64\u00a0ANOS<\/span><\/b>\u00a0<\/span><\/td>\n59\u00a0ANOS<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2026<\/span><\/b>\u00a0<\/span><\/td>\n64\u00a0ANOS\u00a0E\u00a06\u00a0MESES<\/span><\/b>\u00a0<\/span><\/td>\n59\u00a0ANOS\u00a0E\u00a06\u00a0MESES<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2027<\/span><\/b>\u00a0<\/span><\/td>\n65\u00a0ANOS<\/span><\/b>\u00a0<\/span><\/td>\n60\u00a0ANOS<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2028<\/span><\/b>\u00a0<\/span><\/td>\n65\u00a0ANOS<\/span><\/b>\u00a0<\/span><\/td>\n60\u00a0ANOS\u00a0E\u00a06\u00a0MESES<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2029<\/span><\/b>\u00a0<\/span><\/td>\n65\u00a0ANOS<\/span><\/b>\u00a0<\/span><\/td>\n61\u00a0ANOS<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2030<\/span><\/b>\u00a0<\/span><\/td>\n65\u00a0ANOS<\/span><\/b>\u00a0<\/span><\/td>\n61\u00a0ANOS\u00a0E\u00a06\u00a0MESES<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n
    2031<\/span><\/b>\u00a0<\/span><\/td>\n65\u00a0ANOS<\/span><\/b>\u00a0<\/span><\/td>\n62\u00a0ANOS<\/span><\/b>\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

     <\/p>\n

    3.\u00a0 Ped\u00e1gio de 50%: <\/span><\/b>previsto\u00a0no\u00a0art. 17 da EC 103\/2019, na regra do \u201cPed\u00e1gio de 50%\u201d,\u00a0o\u00a0<\/span>contribuinte\u00a0precisa\u00a0cumprir\u00a0o\u00a0tempo\u00a0m\u00ednimo\u00a0de\u00a0contribui\u00e7\u00e3o necess\u00e1rio para\u00a0a aposentadoria\u00a0por tempo\u00a0de contribui\u00e7\u00e3o acrescido\u00a0de um ped\u00e1gio equivalente a 50% do tempo que faltava\u00a0<\/span><\/b>para atingi-lo na data da\u00a0<\/span>reforma da<\/span>\u00a0<\/span>previd\u00eancia<\/span>\u00a0(13\/11\/2019).<\/span>\u00a0<\/span><\/p>\n

    Esse acr\u00e9scimo\u00a0\u00e9\u00a0equivalente a\u00a0metade\u00a0do tempo que faltava para o contribuinte cumprir os requisitos da aposentadoria por tempo de contribui\u00e7\u00e3o\u00a0antes da reforma\u00a0da\u00a0previd\u00eancia.\u00a0<\/span>Essa regra\u00a0n\u00e3o exige requisito de idade m\u00ednima, mas exige que antes da mudan\u00e7a da lei faltasse 2 anos ou menos para se aposentar por tempo de contribui\u00e7\u00e3o<\/span><\/b>.<\/span>\u00a0<\/span><\/p>\n

    4.\u00a0 Ped\u00e1gio de 100%: <\/span><\/b>previsto\u00a0no\u00a0art. 20 da EC 103\/2019, exige\u00a0que o\u00a0<\/span>contribuinte\u00a0cumpra o tempo\u00a0m\u00ednimo de\u00a0contribui\u00e7\u00e3o\u00a0necess\u00e1rio para a aposentadoria por tempo de contribui\u00e7\u00e3o acrescido de um ped\u00e1gio equivalente a 100% do tempo que faltava para atingi-lo\u00a0<\/span><\/b>na data da reforma da previd\u00eancia\u00a0(13\/11\/2019).<\/span>\u00a0<\/span><\/p>\n

    Esse\u00a0<\/span>acr\u00e9scimo equivalente a 100% do tempo que faltava para o contribuinte cumprir\u00a0os\u00a0requisitos\u00a0da aposentadoria por tempo\u00a0de contribui\u00e7\u00e3o\u00a0antes da reforma da previd\u00eancia\u00a0<\/span><\/b>(13\/11\/2019). Ademais, a regra do ped\u00e1gio de 100%\u00a0<\/span>ainda exige um requisito de idade m\u00ednima\u00a0<\/span><\/b>de\u00a0<\/span>57 anos, para mulher, e 60 anos, para o homem,\u00a0<\/span><\/b>al\u00e9m de 180 meses de car\u00eancia.<\/span>\u00a0<\/span><\/p>\n

    5.\u00a0 \u00a0Por idade: <\/span><\/b>conforme\u00a0art.\u00a018\u00a0da\u00a0EC 103\/2019, a aposentadoria por idade\u00a0exige\u00a0<\/span>15 anos de contribui\u00e7\u00e3o,\u00a0180\u00a0meses\u00a0de car\u00eancia\u00a0e\u00a0atingir\u00a0e a\u00a0idade\u00a0m\u00ednima\u00a0de 62 anos para mulheres e 65 anos para homens.\u00a0<\/span><\/b>\u00c9 importante informar que o homem ter\u00e1\u00a0que\u00a0cumprir os 15 anos de contribui\u00e7\u00e3o, se j\u00e1 estivesse filiado ao INSS antes da altera\u00e7\u00e3o da lei. Se ele se filiou\u00a0ap\u00f3s a EC 103\/2019, ter\u00e1\u00a0que\u00a0cumprir 20 anos de contribui\u00e7\u00e3o.<\/span>\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

    A Reforma da Previd\u00eancia (EC n\u00ba 103\/2019) mudou as regras de aposentadoria, criando novas exig\u00eancias de idade e tempo de contribui\u00e7\u00e3o, al\u00e9m de regras de transi\u00e7\u00e3o (pontos, idade m\u00ednima progressiva e ped\u00e1gios) para quem j\u00e1 contribu\u00eda antes da reforma.<\/p>\n","protected":false},"author":22,"featured_media":5493,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-5491","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"_links":{"self":[{"href":"https:\/\/promovanainternet.com.br\/goncalvesebruxellas-com-br\/wp-json\/wp\/v2\/posts\/5491","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/promovanainternet.com.br\/goncalvesebruxellas-com-br\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/promovanainternet.com.br\/goncalvesebruxellas-com-br\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/promovanainternet.com.br\/goncalvesebruxellas-com-br\/wp-json\/wp\/v2\/users\/22"}],"replies":[{"embeddable":true,"href":"https:\/\/promovanainternet.com.br\/goncalvesebruxellas-com-br\/wp-json\/wp\/v2\/comments?post=5491"}],"version-history":[{"count":10,"href":"https:\/\/promovanainternet.com.br\/goncalvesebruxellas-com-br\/wp-json\/wp\/v2\/posts\/5491\/revisions"}],"predecessor-version":[{"id":5497,"href":"https:\/\/promovanainternet.com.br\/goncalvesebruxellas-com-br\/wp-json\/wp\/v2\/posts\/5491\/revisions\/5497"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/promovanainternet.com.br\/goncalvesebruxellas-com-br\/wp-json\/wp\/v2\/media\/5493"}],"wp:attachment":[{"href":"https:\/\/promovanainternet.com.br\/goncalvesebruxellas-com-br\/wp-json\/wp\/v2\/media?parent=5491"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/promovanainternet.com.br\/goncalvesebruxellas-com-br\/wp-json\/wp\/v2\/categories?post=5491"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/promovanainternet.com.br\/goncalvesebruxellas-com-br\/wp-json\/wp\/v2\/tags?post=5491"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}