DENTIST
Dentist Retirement (Updated / 2020)
Discover all the rights, benefits and advantages that this professional has when retiring.
Responsible for countless smiles, dentists deserve all prestige, and when it comes to retiring it is no different. Find out here the advantages of the dentist's special retirement and what you need to do to request it, come on ?!
We are a family owned and operated business.
In this guide prepared by our experts, you will learn:
We are a family owned and operated business.
We are a family owned and operated business.
We are a family owned and operated business.
How was the dentist's retirement after the Reformation?
We are a family owned and operated business.
Special activity carried out before retirement
We are a family owned and operated business.
Special activity carried out after the Reformation
We are a family owned and operated business.
We are a family owned and operated business.
The Dentist's Special Retirement
We are a family owned and operated business.
In the dentist's routine, despite all the care and use of PPE, there is a risk of contamination by biological agents present in procedures or potentially infected patients. Aware of this, the INSS grants some advantages to this professional at the time of retirement.
We are a family owned and operated business.
Upon retirement of the dentist, you are entitled to the benefit with 25 years of contribution in the activity both in the INSS and / or in the Social Security Schemes (public servants with RPPS) as well as you are also free of the Social Security Factor .
We are a family owned and operated business.
We are a family owned and operated business.
The Social Security Factor is the great villain of pensions, alone can reduce the amount of the benefit by up to 40%. Getting rid of it is what makes retirement special more advantageous.
But remember, after Pension Reform , who did not reach this minimum time until November 12, 2019, will have a new calculation of the benefit amount and will enter into a transition rule. Below we return to talk about these changes in detail.
We are a family owned and operated business.
If you have already had this contribution time up to the date mentioned above, you need not worry, as you have the acquired right and you will not be at a loss.
We are a family owned and operated business.
And who is already retired?
We are a family owned and operated business.
If you are already a retired dentist and did not know these advantages at the time, you can ask for a benefit review . With the correct documentation, the INSS is obliged to re-analyze your benefit, it is worth mentioning that the deadline for requesting a review, in the INSS and in court, is ten years after the first payment of retirement. The period begins to count in the month following the first payment made by the INSS.
We are a family owned and operated business.
A classic example is the dentist who retired for a period of contribution, after the age of 35, a requirement of this modality, the amount of his benefit was R $ 5,000.00 (five thousand reais). The dentist in question could have retired 10 years earlier . which made him lose R $ 600,000.00 in retirement, if he considers that the amount of the benefit was the same, because in the special retirement, no social security factor is applied and the amount tends to be higher.
What documents will you need?
We are a family owned and operated business.
First of all, in order to achieve a special retirement, it is necessary to prove the daily and permanent exposure to agents harmful to health , For the dentist it is common to be exposed to biological or chemical agents, as in his work routine he has contact with patients and procedures.
Orthodontists who exercised the profession until 04/28/1995, it is enough to prove this activity through a work card, payslips and company employee registration, because until 1995 the current legislation presumed that the Dentist's function was unhealthy, regardless of the working environment. job.
We are a family owned and operated business.
After 1995, it was not enough just to prove the profession but also to prove the exposure to harmful agents. See the documentation required for you below.
We are a family owned and operated business.
To prove the time you worked as an Employed Dentist , you will need to attach some documents, such as:
We are a family owned and operated business.
The Technical Report on Environmental Working Conditions (LTCAT);
The Social Security Professional Profile (the PPP).
Holerites
Application for Administrative Justification
We are a family owned and operated business.
The first two documents above must be provided by the company.
You can find an explanation of each document underlined on our FAQ page,
We are a family owned and operated business.
As an autonomous dentist, the same documents are required, but here's a piece of advice: Plan ahead as soon as possible. C periodically ontrate a skilled professional and work out the LTCAT of their work. Specialist engineer in Occupational Safety or Physician specialized in Occupational Medicine are trained to prepare this document and it is advisable to hire their services every 3 years to have an updated LTCAT.
We are a family owned and operated business.
With a specialist lawyer , you will be able to validate as many periods of special work as possible and have a great chance of retiring in this modality.
How was the Dentist's Retirement after the Reformation?
We are a family owned and operated business.
The Pension Reform established a minimum age to be entitled to special retirement, which in the case of the dentist will be 60 years old. Another bad news is that the calculation formula has worsened. See how it was and how it looked:
We are a family owned and operated business.
Special activity performed before the Reformation
We are a family owned and operated business.
If you complete the 25 years of contribution by November 12, 2019, the retirement amount will correspond to 100% of the average of the 80% highest salaries since July 1994.
We are a family owned and operated business.
Let's take an example:
We are a family owned and operated business.
Dentist Gabriel was 56 years old and had a full 25-year career in April 2019, considering that his average salary corresponds to R $ 4,500.00 (four thousand five hundred reais). The benefit amount will be R $ 4500.00.
Special activity after the Reformation
We are a family owned and operated business.
Dentists who started their careers after retirement, in addition to needing the minimum age to apply for special retirement, will also have a reduced benefit amount.
We are a family owned and operated business.
With the new rule, the average will be all wages since 1994, including the 20% lower excluded in the previous law. In addition, the benefit amount will be:
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.
And who was about to retire?
We are a family owned and operated business.
For this retirement, a transition rule was also created that is based on points, which in the case of the dentist and the characteristics of the profession is 87 points and 25 years of effective exposure in 2020. The necessary score goes up one point each year, until reach 99 in 2032.
We are a family owned and operated business.
To reach the score, age, minimum special time and other contribution times will be added.
We are a family owned and operated business.
However, the calculation of the benefit amount will be the same as mentioned above, 60% of the average salary + 2% for each year exceeding the first 20 years of contribution for men or 2% for each year exceeding the first 15 years of contribution for men. women.
We are a family owned and operated business.
Example:
We are a family owned and operated business.
Using our previous example again, let's assume that Dentist Gabriel has 4 years of "common" contribution and has completed the 25 special years just this year (2020).
Adding these periods to your age, which this year is 57, we will have 86 points, which unfortunately will not be enough, since what is required is 87 points.
We are a family owned and operated business.
The quickest and most advantageous solution that we would advise Gabriel would be for him to continue working for another year in the area. Thus, in 2021, he will be 59 years old and a total of 30 years of contribution. Your score will be 89 years, exceeding the score of 88 points required that year.
We are a family owned and operated business.
Let's go to the value of the Benefit!
Considering at best that the average salary remained at R $ 4000, the calculation will be as follows:
Contribution years after the first 20 years:
30 - 20 = 10 years of contribution
We are a family owned and operated business.
Benefit amount:
60% + (10 years x 2%) = 80%
We are a family owned and operated business.
Therefore;
80% of $ 4,000 = $ 3,200
We are a family owned and operated business.
Did you just see the size of the damage? Gabriel will lose R $ 800 a month and will still have to work for another year.
We are a family owned and operated business.
It is worth remembering that these are the conditions to retire in the special retirement transition rule, however, it is only after a planning and analysis of the other types of benefit that would be possible to find the most advantageous for our example.
We are a family owned and operated business.
Conversion from Special Time to Ordinary Time
We are a family owned and operated business.
Before the Retirement, if the insured had not reached the minimum special time, he could convert that special time into ordinary time and apply for retirement by contribution time .
We are a family owned and operated business.
In the case of dentists, that special retirement requires a minimum time of 25 years, the conversion is done as follows:
Special time x 1.4 (for men) = Ordinary time
Special time x 1.2 (for women) = Ordinary time
We are a family owned and operated business.
However, this conversion ceased to exist after the reform , a special period after November 13, 2019 can no longer be converted into ordinary time.
We are a family owned and operated business.
Rest assured, if you have a special period before that date, you can still convert it into regular time because you have the right acquired before the Social Security Reform.
We are a family owned and operated business.
The dentist in the example above, was 24 years old until the cut-off date, converting that time would be 33.6 years old (24 x 1.4). If we add to the 4 years of common activity that he already had, we will have 37.6 years of COMMON contribution.
Did you like the reading? Find out more about other types of retirement by clicking here.
We are a family owned and operated business.
Did you have any doubts? Leave your comment and we will get back to you as soon as possible.