[{"@context":"https:\/\/schema.org\/","@type":"NewsArticle","@id":"https:\/\/jornalcontabil-br.noticiasgoianas.com\/noticia\/nunca-contribui-para-o-inss-posso-pedir-aposentadoria-2\/amp\/#newsarticle","url":"https:\/\/jornalcontabil-br.noticiasgoianas.com\/noticia\/nunca-contribui-para-o-inss-posso-pedir-aposentadoria-2\/amp\/","headline":"Nunca contribui para o INSS. Posso pedir aposentadoria?","mainEntityOfPage":"https:\/\/jornalcontabil-br.noticiasgoianas.com\/noticia\/nunca-contribui-para-o-inss-posso-pedir-aposentadoria-2\/","datePublished":"2025-05-26T17:14:45-03:00","dateModified":"2025-05-26T17:14:47-03:00","description":"Essa \u00e9 uma d\u00favida comum entre muitos brasileiros que, por diferentes raz\u00f5es, nunca contribu\u00edram formalmente para a Previd\u00eancia","articleSection":"INSS","articleBody":"Essa \u00e9 uma d\u00favida comum entre muitos brasileiros que, por diferentes raz\u00f5es, nunca contribu\u00edram formalmente para a Previd\u00eancia Social. Seja por terem trabalhado apenas de forma informal, em casa, ou por n\u00e3o conhecerem as regras do sistema, essas pessoas muitas vezes se perguntam se ainda podem ter o a algum tipo de benef\u00edcio previdenci\u00e1rio.  A resposta pode variar de acordo com cada situa\u00e7\u00e3o, mas h\u00e1 alternativas \u2014 como o Benef\u00edcio de Presta\u00e7\u00e3o Continuada (BPC) \u2014 que podem garantir um amparo financeiro na velhice ou em casos de incapacidade.  Entender como funciona o INSS e quais s\u00e3o os crit\u00e9rios de o \u00e9 o primeiro o para saber se \u00e9 poss\u00edvel garantir algum tipo de prote\u00e7\u00e3o social, mesmo sem nunca ter contribu\u00eddo. Tenho direito a algum benef\u00edcio do INSS? Via de regra, para ter alguma prote\u00e7\u00e3o do INSS \u00e9 necess\u00e1rio estar inscrito no Regime Geral de Previd\u00eancia Social (RGPS) e contribuir com um valor mensal ao INSS. Mas,e para aqueles que nunca realizaram esse pagamento ou s\u00f3 pagaram por um per\u00edodo curto de tempo? Para esses casos h\u00e1 um caminho. Mas n\u00e3o \u00e9 uma aposentadoria. Trata-se do Benef\u00edcio de Presta\u00e7\u00e3o Continuada (BPC) ou popularmente chamado de LOAS (Lei Org\u00e2nica de Assist\u00eancia Social). Este benef\u00edcio garante um sal\u00e1rio m\u00ednimo mensal aos brasileiros que n\u00e3o tem como prover seu sustento e nem ser ajudado pela fam\u00edlia.  Mas, para ter o ao BPC\/LOAS \u00e9 preciso estar enquadrado nas regras. Ele garante a assist\u00eancia aos idosos (65 anos ou mais) ou \u00e0s pessoas com defici\u00eancia que n\u00e3o tem condi\u00e7\u00f5es de prover a pr\u00f3pria subsist\u00eancia ou t\u00ea-la garantida por sua fam\u00edlia. Leia tamb\u00e9m: O que \u00e9 o BPC\/ LOAS? Para poder ser enquadrado no BPC, al\u00e9m de cumprir os requisitos citados anteriormente, outra condi\u00e7\u00e3o \u00e9 que a renda mensal da fam\u00edlia n\u00e3o ultrae mais que meio sal\u00e1rio m\u00ednimo por indiv\u00edduo, al\u00e9m de ter a nacionalidade brasileira ou portuguesa. Nesse caso de obter a aposentadoria atrav\u00e9s do LOAS, n\u00e3o h\u00e1 a possibilidade de ter direito a receber 13\u00ba ou pens\u00e3o por morte. Vale ressaltar, que o BPC n\u00e3o se trata de benef\u00edcio previdenci\u00e1rio e sim assistencial, portanto, ele n\u00e3o \u00e9 uma aposentadoria, \u00e9 importante n\u00e3o confundir.  O BPC\/LOAS pode ser cancelado. Isso porque ele a por uma revis\u00e3o a cada per\u00edodo de 02 anos. O objetivo \u00e9 realizar uma an\u00e1lise a fim de ter certeza se o segurado ainda preenche todos os requisitos e se n\u00e3o h\u00e1 nenhuma irregularidade. Portanto, precau\u00e7\u00e3o e aten\u00e7\u00e3o nunca ser\u00e3o demais. Ent\u00e3o, resumidamente, para estar nas regras \u00e9 preciso cumprir as seguintes exig\u00eancias: Ser idoso (65 anos de idade ou mais) ou pessoa com defici\u00eancia; A renda da fam\u00edlia deve ser igual ou inferior a \u00bc do sal\u00e1rio m\u00ednimo para cada membro familiar que vive com o requerente do benef\u00edcio; Ser constatada a baixa renda\/miserabilidade social do requerente do BPC em uma avalia\u00e7\u00e3o social de sua resid\u00eancia atrav\u00e9s de um assistente social do Centro de Refer\u00eancia da Assist\u00eancia Social (CRAS) de sua regi\u00e3o; Estar inscrito e com a matr\u00edcula atualizada no Cadastro \u00danico de Programas Sociais do Governo Federal (Cad\u00danico). Leia tamb\u00e9m: O que fazer para manter o BPC ativo e n\u00e3o perd\u00ea-lo sem aviso Qual a documenta\u00e7\u00e3o necess\u00e1ria? Se voc\u00ea atende a todos os requisitos citados acima, o pr\u00f3ximo o \u00e9 se dirigir ao CRAS (Centro de Refer\u00eancia de Assist\u00eancia Social) da sua cidade munido de Carteira de Identidade do titular e seus dependentes e t\u00edtulo de eleitor dos maiores de 18 anos. Em seguida, junte os seguintes documentos para solicitar o BPC:  Documento de identifica\u00e7\u00e3o com foto e F do Titular;\u00a0 Maiores de 16 anos tamb\u00e9m devem apresentar uma documenta\u00e7\u00e3o com foto; Termo de tutela, em casos nos quais o solicitante \u00e9 menor de idade, e n\u00e3o est\u00e1 sob a guarda dos pais ou de algum respons\u00e1vel; Procura\u00e7\u00e3o no caso de Representante legal do solicitante; Documenta\u00e7\u00e3o que comprove um regime de semiliberdade.\u00a0 O BPC\/LOAS \u00e9 pago at\u00e9 o fim da vida? Negativo. Considerando que o BPC-LOAS \u00e9 um benef\u00edcio assistencial para pessoas que n\u00e3o t\u00eam tempo de contribui\u00e7\u00e3o suficiente para se aposentar, ele n\u00e3o \u00e9 um benef\u00edcio que obrigatoriamente ser\u00e1 pago at\u00e9 o fim da vida. O BPC-LOAS n\u00e3o possui um tempo determinado de dura\u00e7\u00e3o, mas apenas ser\u00e1 devido enquanto permanecerem os requisitos que autorizaram sua concess\u00e3o. Dessa forma, se a renda do grupo familiar aumentar, o benef\u00edcio assistencial poder\u00e1 ser cessado pelo INSS. Ainda, se o benefici\u00e1rio n\u00e3o renovar o cadastro no Cad\u00danico a cada 2 anos, o benef\u00edcio tamb\u00e9m poder\u00e1 ser cessado. Como solicitar o benef\u00edcio? Basta entrar em contato atrav\u00e9s do n\u00famero 135, ou se dirigir a uma ag\u00eancia da Previd\u00eancia Social. Mas, se voc\u00ea tiver o a internet, a solicita\u00e7\u00e3o tamb\u00e9m pode ser feita atrav\u00e9s do site do Meu INSS. Siga o o a o.  e o site \u201cMeu INSS\u201d; Cadastre sua senha (caso ainda n\u00e3o tenha); Pesquise por \u201cBPC\u201d; Clique em \u201cBenef\u00edcios assistenciais (BPC)\u201d; Informe seu perfil (idoso ou deficiente); Atualize seus dados e leia as informa\u00e7\u00f5es;\u00a0 Preencha os seus dados selecione a op\u00e7\u00e3o \u201c+\u201d para anexar os documentos; Selecione a ag\u00eancia do INSS; Selecione o banco mais pr\u00f3ximo; \u00a0Feito isso, basta ler as informa\u00e7\u00f5es, concluir o processo e esperar pela resposta. Conclus\u00e3o Para ter direito ao recebimento de benef\u00edcios do INSS, como a aposentadoria, \u00e9 necess\u00e1rio que sejam realizadas contribui\u00e7\u00f5es mensais. Enquanto essas contribui\u00e7\u00f5es estiverem sendo realizadas, o trabalhador \u00e9 considerado um segurado e a ter garantias.  Portanto, n\u00e3o existe a possibilidade de aposentadoria para quem nunca contribuiu. O BPC \u00e9 apenas uma assist\u00eancia a determinados grupos e n\u00e3o se trata de uma aposentadoria.","keywords":["BPC LOAS"," como solicitar o BPC"," INSS"," O BPC\/LOAS \u00e9 pago at\u00e9 o fim da vida"," O que \u00e9 o BPC\/ LOAS"," Qual a documenta\u00e7\u00e3o necess\u00e1ria"," se aposentar sem nunca ter contribu\u00eddo"," Tenho direito a algum benef\u00edcio do INSS sem contribuir"," "],"name":"Nunca contribui para o INSS. 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Atuante no Jornal Cont\u00e1bil desde 2021.","url":"https:\/\/jornalcontabil-br.noticiasgoianas.com\/noticia\/autor\/ana-luzia\/","sameAs":[],"image":{"@type":"ImageObject","url":"https:\/\/secure.gravatar.com\/avatar\/346adb63ad7fa03a9d95b90e4cbfb9c663f813f83a161272bd69c05076489306?s=96&d=mm&r=g","height":96,"width":96}},"editor":{"@type":"Person","name":"Ana Luzia Rodrigues","description":"Formada em jornalismo h\u00e1 mais de 30 anos, j\u00e1 ou por diversas reda\u00e7\u00f5es dos jornais do interior onde ocupou cargos como rep\u00f3rter e editora-chefe. Tamb\u00e9m j\u00e1 foi assessora de imprensa da C\u00e2mara Municipal de Teres\u00f3polis. 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