Has your retirement bill just gotten more expensive? Understand what's changing in the INSS (Brazilian Social Security Institute) in 2026.

The Points Rule – Adding age and work experience

If you're keeping an eye on what's changing in the INSS (Brazilian Social Security Institute) and retirement benefits, you need to understand the "Points Rule." In 2026, the sum of your age and your contribution time will increase.

For men, it is necessary to achieve 103 points.
For women, the requirement now is to 93 points.

Let's make it easier:
A man who is 62 years old and has contributed for 41 years (62+41=103) can already retire under this rule.
A woman who is 61 years old and has 32 years of contributions (61+32=93) also reaches the required score. .

The minimum age has also increased – Pay attention to the detail.

Another important change that has caught many people by surprise is the increase in the "Progressive Minimum Age".

Starting in 2026, women will need to have 59 years and 6 months age, in addition to 30 years of contributions.
Men, on the other hand, should have 64 years and 6 months of age, completing 35 years of contributions.

"Every year the 'bar' is raised a little for those who are under these transition rules," explains an expert.

Those who had already met all the requirements by 2025 do not need to worry: their acquired rights are guaranteed under the old rules.

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