RURAL WORKER
Rural Worker Retirement (Updated / 2020)
Discover all the rights, benefits and advantages that this professional has when retiring.
The rural worker, after hard work in the field, has his effort recognized by the INSS. The Retirement of the Rural Worker is granted five years earlier than the retirement of the urban worker and, if considered special insured, he retires without ever having contributed, just proving 15 years of work in the field.
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Follow us! In this article we will cover:
Who is considered a Rural Worker?
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Rural Retirement by Contribution Time
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What is Rural Retirement?
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The INSS website defines Rural Retirement as "Benefit due to the citizen who proves a minimum of 180 months worked in rural activity".
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In this way, the Worker who proves the minimum time to work in the field, as well as the minimum contribution time (when necessary), is entitled to this retirement.
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But be aware, you who engage in any activity considered rural should, first of all, check which category you are in.
The categories provided for by law and maintained by the INSS are:
Insured Special (family farmer, artisanal and indigenous fisherman)
Rural Worker Employed
Rural Worker Individual Taxpayer
Rural Workers.
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In this way, aware of which category you are in, you will know better the requirements of your benefit.
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What is the value of Rural retirement?
There are different values according to the category of the citizen.
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the retirement amount of the special insured, for example, corresponds to a minimum wage, which in 2020 is R $ 1045. It is up to him to prove at least 180 months of experience in rural activity and to be at least 60 years old, when a man, or 55 years old, when a woman.
Although the value of the benefit is the floor of the INSS, the advantage of the special insured is that he does not have to have contributed to Social Security.
But if they are dissatisfied with the amount, it is possible to increase it by requesting retirement for contribution time . Hence, it will be mandatory to pay the INSS, in addition to having a minimum contribution time of 35 years, for men, and 30 years for women.
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The rural worker who is not considered a special insured must have contributed at least 15 years to the INSS. Thus, when having contributions, it is possible to calculate the benefit amount. Which will be the following:
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First, the arithmetic average of the 80% highest salaries since July 1994 is made.
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From the average obtained, the value of the Initial Monthly Income (RMI) will correspond to 70% plus 1% for each year contributed to Social Security.
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Bearing in mind that this insured person must have at least 15 years of contribution, the starting point of the benefit amount will be 85% of the average salary.
What is the minimum age of Rural Retirement?
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To apply for rural retirement at the INSS, the citizen must be at least 60 years old, if a man, and 55 years old, if a woman. This requirement is valid both for special insured persons and for other categories.
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This 5-year advantage is what differentiates rural retirement from other pensions.
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But it is important to note that regardless of the category, in this retirement by age it is also necessary to prove at least 180 months of rural activity and to be working in the field at the time of application.
Who is a Farm Worker?
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As we said before, the rural worker must prove the rural activity, for that, he must present his own documents that confirm the nature of the work performed.
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Below we explain the characteristics and criteria of each category already mentioned above.
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We are a family owned and operated business.
Special Insured
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Law 8,212 of July 24, 1991 defines the following as a special insured:
"Any individual residing in the rural property or in an urban or rural settlement close to him who, individually or in a family economy regime, even with the occasional assistance of third parties as a mutual collaboration"
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Thus, the law qualifies rural workers who carry out activities such as:
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Producer (owner, usufructuary, possessor, settler, partner or sharecropper granted, commodore or rural tenant), which can be agricultural activity, in an area of up to 4 fiscal modules, or vegetable extractive activity, such as rubber tapping .
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Artisanal Fisherman , who makes fishing as a profession and main way of life.
We made a special content about the fisherman's retirement, check here
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spouse or partner, as well as a child over 16 (sixteen) years of age or similar, who work with the family group.
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These policyholders, despite not contributing directly to Social Security, have a rate of 1.3% applied to the sale of their products. Sales notes with this rate can be used as proof of the activity performed.
Therefore, the special insured person can apply for retirement by rural age when he reaches the minimum age (60 for men and 55 for women). The benefit amount corresponds to the national floor, that is, a minimum wage.
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Signed with employee Portfolio
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The Law No. 5.889 / 73 laying down detailed rules regulating the rural work defines:
"A rural employee is any individual who, in a rural property or in a rustic building, provides services of a non-occasional nature to a rural employer, under his dependence and for a salary."
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In other words, the rural worker under these conditions will be entitled to this early rural retirement, but, unlike the special insured, he must contribute to the INSS.
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The advantage of having contributed to the INSS is that the benefit amount can be higher than the national floor, since we can calculate the Initial Monthly Income (RMI), which cannot be less than a minimum wage.
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It is worth mentioning that the right is only guaranteed if the entire period of citizen's contribution has been in rural activity.
We are a family owned and operated business.
We are a family owned and operated business.
We are a family owned and operated business.
Insured Individual Taxpayer
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Individual taxpayer is any worker who contributes on his own to the INSS, that is, regardless of employment. We are talking about freelance professionals who eventually provide services to companies.
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Therefore, the individual taxpayer rural worker also enjoys early retirement in 5 years provided that he proves that the entire contributory period has been in rural activity.
Since we have contributions, it is possible to calculate the average salary, which, as I said earlier, will correspond to 70% of the average salary plus 1% for each year contributed to Social Security.
Rural Hybrid Retirement
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the rural worker also has the possibility of adding rural time to urban working time, in order to obtain hybrid retirement.
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Here's just how it works:
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Hybrid Retirement by Age of Special Insured
In this Retirement it is necessary to be 65 years old (men) or 60 years old (women) and, at least, 15 years of contribution. To determine this contribution time, it is possible to add the period worked in the urban area (with mandatory collection) and the period proven as a special insured in the rural area.
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Age Hybrid Retirement for Rural Worker
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Like the special insured, the rural worker must be 65 years old (men) or 60 years old (women) and, at least, 15 years of contribution. However, in this case, proof of the contribution period must be made both by the employer in the rural area and by the employer in the urban area.
Rural retirement contribution Time
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In addition to rural retirement by age, there is also rural retirement by contribution time.
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As already mentioned, rural age pensions cover both special insured persons without requiring contributions and other rural workers who are obligatory contributors.
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Rural retirement due to contribution time is an alternative for the special insured person who wishes to increase the benefit amount, in return he will need to contribute for 35 years (men) and 30 years (women). Other rural workers also need to have 35 years (men) and 25 years (women) of contribution.
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For special policyholders, retroactive payment may be required. Thus, it is necessary to pay attention to the current rules.
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Special insured before 10/31/1991
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Law No. 8,212 , of July 24, 1991, determines that until 10/31/1991 no contribution shall be required directly from the rural worker in the special insured modality.
After that date, it became necessary to pay through a rate of 1.3% on the sale of their products or to make an optional contribution of 20% on the amount between the minimum wage and the contribution ceiling.
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Thus, for workers who maintained rural activity before 1991, the payment of contributions for the period preceding the law will not be charged.
Necessary documents for Rural Retirement
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To apply for rural retirement, both insured persons and other rural workers must submit to the INSS, via website or telephone, personal identification documents, with photo, and CPF.
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The rural employee, the individual taxpayer and the individual worker must also present:
Portfolio of Work and Social Security
INSS booklets
Other documents proving payment.
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Unlike the employee, the special insured has no contract or link with any rural employer. Thus, he needs to prove that he carries out the activity in the field by documentation.
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Ways to prove rural activity for retirement
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According to article 106 of the Social Security Law, supporting documents for rural activity are:
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"I - individual employment contract or Work and Social Security Card
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II - rural lease, partnership or lending contract
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III - reasoned statement from a union representing the rural worker or, when applicable, from a fishermen's union or colony, provided that it is approved by the National Social Security Institute - INSS
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IV - proof of registration of the National Institute of Colonization and Agrarian Reform - INCRA, in the case of producers under a family economy regime
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V - notepad of the rural producer
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VI - invoices for goods receipt, referred to in § 7 of art. 30 of Law No. 8,212, of July 24, 1991, issued by the company acquiring the production, with the name of the insured as a seller
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VII - tax documents related to the delivery of rural production to the agricultural cooperative, fish warehouse or others, indicating the insured as a seller or consignor
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VIII - proof of payment of contribution to Social Security resulting from the sale of production
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IX - copy of the income tax return, indicating income from the sale of rural production
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X - occupation license or permission granted by INCRA. ”
conclusion
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Thank you reader for getting here, in this article you got to know rural retirement, a recognition for the effort of the rural worker. In this retirement, the rural worker retires 5 years in advance in relation to the urban worker and, if he is a special insured, he is exempt from contributions.
We are a family owned and operated business.
Throughout the text, we explain the different categories of workers in the field recognized by the INSS and their requirements, the amount of the benefit with a calculation formula and the minimum age required.
We are a family owned and operated business.
Finally, we talk about hybrid rural retirement, which is a solution for those who have not reached the minimum rural working time and want to add to the urban working time, or vice versa. We also explain rural retirement due to contribution time, an alternative for the special insured person who wants to increase the benefit amount.
Now, if you have any questions, make a comment below that as soon as possible we will answer you.