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FATOR PREVIDENCIRIO

IDADE DA AP

T
E
M
P
O
D
E
C
O
N
T
R
I
B
U
I

43
0.192
0.205
0.218
0.232
0.245
0.258
0.272
0.285
0.299
0.313
0.326
0.340
0.354
0.368
0.382
0.396
0.410
0.424
0.438
0.452
0.466

44
0.198
0.211
0.225
0.239
0.252
0.266
0.280
0.294
0.308
0.322
0.336
0.350
0.364
0.379
0.393
0.407
0.422
0.436
0.451
0.465
0.480
0.495

45
0.204
0.218
0.232
0.246
0.261
0.275
0.289
0.304
0.318
0.333
0.347
0.362
0.377
0.391
0.406
0.421
0.436
0.451
0.466
0.481
0.496
0.511
0.526

46
0.211
0.226
0.240
0.255
0.270
0.284
0.299
0.314
0.329
0.344
0.359
0.374
0.389
0.404
0.420
0.435
0.450
0.466
0.481
0.497
0.513
0.528
0.544
0.560

47
0.218
0.233
0.248
0.264
0.279
0.294
0.309
0.325
0.340
0.356
0.371
0.387
0.403
0.418
0.434
0.450
0.466
0.482
0.498
0.514
0.530
0.547
0.563
0.579
0.596

48
0.225
0.241
0.256
0.272
0.288
0.304
0.319
0.335
0.351
0.367
0.383
0.399
0.416
0.432
0.448
0.464
0.481
0.497
0.514
0.531
0.547
0.564
0.581
0.598
0.614
0.631

49
0.234
0.250
0.266
0.282
0.298
0.315
0.331
0.347
0.364
0.380
0.397
0.414
0.431
0.447
0.464
0.481
0.498
0.515
0.532
0.550
0.567
0.584
0.602
0.619
0.637
0.654
0.672

50
0.241
0.258
0.275
0.291
0.308
0.325
0.342
0.359
0.376
0.393
0.410
0.428
0.445
0.462
0.480
0.497
0.515
0.532
0.550
0.568
0.586
0.604
0.622
0.640
0.658
0.676
0.694
0.712

51
0.250
0.267
0.284
0.301
0.319
0.336
0.354
0.371
0.389
0.407
0.424
0.442
0.460
0.478
0.496
0.514
0.532
0.551
0.569
0.587
0.606
0.624
0.643
0.661
0.680
0.699
0.718
0.736
0.755

52
0.259
0.277
0.295
0.313
0.331
0.349
0.367
0.386
0.404
0.422
0.441
0.459
0.478
0.496
0.515
0.534
0.553
0.572
0.591
0.610
0.629
0.648
0.667
0.687
0.706
0.726
0.745
0.765
0.784
0.804

15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
Elaborao: SPPS/MPS.
Tabela exemplificativa, calculada para idades e tempos de contribuio exatos.
Os valores foram arredondados para 4 casas decimais.
Mulheres devem acrescentar 5 anos ao tempo de contribuio ao fazer a consulta tabela

53
0.269
0.287
0.306
0.324
0.343
0.362
0.380
0.399
0.418
0.437
0.456
0.476
0.495
0.514
0.533
0.553
0.572
0.592
0.612
0.631
0.651
0.671
0.691
0.711
0.731
0.751
0.772
0.792
0.812
0.833
0.853

OR PREVIDENCIRIO 2015 (TABELA IBGE 2013)


IDADE DA APOSENTADORIA

54
0.278
0.298
0.317
0.336
0.355
0.375
0.394
0.414
0.434
0.453
0.473
0.493
0.513
0.533
0.553
0.573
0.593
0.614
0.634
0.654
0.675
0.696
0.716
0.737
0.758
0.779
0.800
0.821
0.842
0.863
0.884
0.905

55
0.289
0.309
0.329
0.349
0.369
0.389
0.409
0.429
0.450
0.470
0.491
0.511
0.532
0.553
0.574
0.595
0.616
0.637
0.658
0.679
0.700
0.722
0.743
0.765
0.786
0.808
0.829
0.851
0.873
0.895
0.917
0.939
0.961

56
0.300
0.321
0.341
0.362
0.383
0.404
0.425
0.446
0.467
0.488
0.510
0.531
0.553
0.574
0.596
0.617
0.639
0.661
0.683
0.705
0.727
0.749
0.771
0.794
0.816
0.839
0.861
0.884
0.907
0.929
0.952
0.975
0.998
1.021

57
0.312
0.333
0.355
0.376
0.398
0.420
0.442
0.464
0.486
0.508
0.530
0.552
0.574
0.597
0.619
0.642
0.664
0.687
0.710
0.733
0.756
0.779
0.802
0.825
0.848
0.872
0.895
0.919
0.942
0.966
0.990
1.013
1.037
1.061
1.085

58
0.325
0.347
0.369
0.392
0.414
0.437
0.460
0.482
0.505
0.528
0.551
0.574
0.598
0.621
0.644
0.668
0.691
0.715
0.739
0.762
0.786
0.810
0.834
0.858
0.883
0.907
0.931
0.956
0.980
1.005
1.030
1.054
1.079
1.104
1.129
1.154

59
0.337
0.360
0.383
0.406
0.430
0.453
0.477
0.500
0.524
0.548
0.572
0.596
0.620
0.644
0.668
0.693
0.717
0.742
0.766
0.791
0.815
0.840
0.865
0.890
0.915
0.940
0.966
0.991
1.016
1.042
1.068
1.093
1.119
1.145
1.171
1.197
1.223

60
0.351
0.375
0.400
0.424
0.448
0.473
0.497
0.522
0.547
0.571
0.596
0.621
0.646
0.672
0.697
0.722
0.748
0.773
0.799
0.825
0.850
0.876
0.902
0.928
0.954
0.981
1.007
1.033
1.060
1.086
1.113
1.140
1.167
1.194
1.221
1.248
1.275
1.302

61
0.367
0.392
0.417
0.443
0.468
0.494
0.519
0.545
0.571
0.597
0.623
0.649
0.675
0.701
0.728
0.754
0.781
0.807
0.834
0.861
0.888
0.915
0.942
0.969
0.997
1.024
1.051
1.079
1.107
1.134
1.162
1.190
1.218
1.246
1.274
1.303
1.331
1.360
1.388

62
0.382
0.408
0.434
0.461
0.487
0.514
0.540
0.567
0.594
0.621
0.648
0.675
0.703
0.730
0.757
0.785
0.812
0.840
0.868
0.896
0.924
0.952
0.980
1.008
1.037
1.065
1.094
1.123
1.151
1.180
1.209
1.238
1.267
1.297
1.326
1.355
1.385
1.414
1.444
1.474

63
0.398
0.425
0.452
0.480
0.508
0.535
0.563
0.591
0.619
0.647
0.675
0.703
0.732
0.760
0.789
0.818
0.846
0.875
0.904
0.933
0.962
0.992
1.021
1.051
1.080
1.110
1.139
1.169
1.199
1.229
1.259
1.290
1.320
1.350
1.381
1.412
1.442
1.473
1.504
1.535
1.566

64
0.417
0.446
0.475
0.503
0.532
0.561
0.590
0.620
0.649
0.679
0.708
0.738
0.767
0.797
0.827
0.857
0.887
0.918
0.948
0.979
1.009
1.040
1.071
1.101
1.132
1.164
1.195
1.226
1.257
1.289
1.320
1.352
1.384
1.416
1.448
1.480
1.512
1.544
1.577
1.609
1.642

65
0.436
0.466
0.496
0.526
0.556
0.586
0.617
0.647
0.678
0.709
0.740
0.771
0.802
0.833
0.864
0.896
0.927
0.959
0.990
1.022
1.054
1.086
1.118
1.151
1.183
1.215
1.248
1.281
1.313
1.346
1.379
1.412
1.446
1.479
1.512
1.546
1.579
1.613
1.647
1.681
1.715

66
0.456
0.487
0.519
0.550
0.582
0.614
0.645
0.677
0.709
0.742
0.774
0.806
0.839
0.871
0.904
0.937
0.970
1.003
1.036
1.069
1.103
1.136
1.170
1.204
1.237
1.271
1.305
1.340
1.374
1.408
1.443
1.477
1.512
1.547
1.582
1.617
1.652
1.687
1.723
1.758
1.794

67
0.478
0.511
0.544
0.577
0.610
0.643
0.676
0.710
0.743
0.777
0.811
0.845
0.879
0.913
0.947
0.982
1.016
1.051
1.086
1.121
1.156
1.191
1.226
1.261
1.297
1.332
1.368
1.404
1.439
1.475
1.512
1.548
1.584
1.621
1.657
1.694
1.731
1.768
1.805
1.842
1.879

68
0.502
0.536
0.571
0.605
0.640
0.675
0.710
0.745
0.780
0.816
0.851
0.887
0.923
0.959
0.995
1.031
1.067
1.103
1.140
1.176
1.213
1.250
1.287
1.324
1.361
1.398
1.436
1.473
1.511
1.549
1.586
1.624
1.663
1.701
1.739
1.778
1.816
1.855
1.894
1.933
1.972

69
0.524
0.560
0.596
0.633
0.669
0.705
0.742
0.779
0.816
0.852
0.890
0.927
0.964
1.002
1.039
1.077
1.115
1.153
1.191
1.229
1.267
1.306
1.344
1.383
1.422
1.461
1.500
1.539
1.578
1.618
1.657
1.697
1.737
1.777
1.817
1.857
1.897
1.938
1.978
2.019
2.060

70
0.553
0.590
0.628
0.667
0.705
0.743
0.782
0.820
0.859
0.898
0.937
0.976
1.016
1.055
1.095
1.134
1.174
1.214
1.254
1.295
1.335
1.375
1.416
1.457
1.498
1.539
1.580
1.621
1.662
1.704
1.746
1.787
1.829
1.871
1.914
1.956
1.998
2.041
2.084
2.127
2.170

FATOR PREVIDENCIRIO 2

IDADE DA APO

T
E
M
P
O
D
E
C
O
N
T
R
I
B
U
I

43
0.193
0.206
0.220
0.233
0.246
0.260
0.273
0.287
0.301
0.314
0.328
0.342
0.356
0.370
0.384
0.398
0.412
0.426
0.440
0.455
0.469

44
0.199
0.213
0.227
0.241
0.254
0.268
0.282
0.296
0.311
0.325
0.339
0.353
0.368
0.382
0.396
0.411
0.425
0.440
0.455
0.469
0.484
0.499

45
0.205
0.219
0.234
0.248
0.262
0.277
0.291
0.305
0.320
0.335
0.349
0.364
0.379
0.394
0.408
0.423
0.438
0.453
0.468
0.484
0.499
0.514
0.529

46
0.212
0.227
0.242
0.256
0.271
0.286
0.301
0.316
0.331
0.346
0.361
0.376
0.392
0.407
0.422
0.438
0.453
0.469
0.484
0.500
0.516
0.532
0.547
0.563

47
0.220
0.235
0.250
0.265
0.281
0.296
0.311
0.327
0.342
0.358
0.374
0.389
0.405
0.421
0.437
0.453
0.469
0.485
0.501
0.517
0.534
0.550
0.566
0.583
0.599

48
0.227
0.242
0.258
0.274
0.290
0.305
0.321
0.337
0.353
0.370
0.386
0.402
0.418
0.435
0.451
0.467
0.484
0.501
0.517
0.534
0.551
0.568
0.584
0.601
0.618
0.636

49
0.235
0.251
0.267
0.284
0.300
0.317
0.333
0.350
0.366
0.383
0.400
0.416
0.433
0.450
0.467
0.484
0.501
0.519
0.536
0.553
0.571
0.588
0.606
0.623
0.641
0.658
0.676

50
0.243
0.260
0.276
0.293
0.310
0.327
0.344
0.361
0.379
0.396
0.413
0.430
0.448
0.465
0.483
0.501
0.518
0.536
0.554
0.572
0.590
0.608
0.626
0.644
0.662
0.680
0.699
0.717

51
0.251
0.269
0.286
0.303
0.321
0.338
0.356
0.374
0.392
0.409
0.427
0.445
0.463
0.481
0.499
0.518
0.536
0.554
0.573
0.591
0.610
0.628
0.647
0.666
0.685
0.704
0.723
0.742
0.761

15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
Elaborao: SPPS/MPS.
Tabela exemplificativa, calculada para idades e tempos de contribuio exatos.
Os valores foram arredondados para 4 casas decimais.

52
0.261
0.279
0.297
0.315
0.333
0.352
0.370
0.388
0.407
0.425
0.444
0.462
0.481
0.500
0.519
0.538
0.557
0.576
0.595
0.614
0.633
0.653
0.672
0.692
0.711
0.731
0.750
0.770
0.790
0.810

53
0.271
0.289
0.308
0.327
0.345
0.364
0.383
0.402
0.421
0.441
0.460
0.479
0.498
0.518
0.537
0.557
0.577
0.596
0.616
0.636
0.656
0.676
0.696
0.716
0.737
0.757
0.777
0.798
0.818
0.839
0.859

54
0.281
0.300
0.319
0.339
0.358
0.378
0.397
0.417
0.437
0.457
0.477
0.497
0.517
0.537
0.557
0.577
0.598
0.618
0.639
0.659
0.680
0.701
0.722
0.743
0.764
0.785
0.806
0.827
0.848
0.869
0.891
0.912

REVIDENCIRIO 2014 (TABELA IBGE 2012)


IDADE DA APOSENTADORIA

55
0.291
0.311
0.331
0.351
0.372
0.392
0.412
0.433
0.453
0.474
0.495
0.515
0.536
0.557
0.578
0.599
0.620
0.642
0.663
0.684
0.706
0.727
0.749
0.771
0.792
0.814
0.836
0.858
0.880
0.902
0.924
0.947
0.969

56
0.302
0.323
0.344
0.365
0.386
0.407
0.428
0.450
0.471
0.492
0.514
0.535
0.557
0.579
0.601
0.622
0.644
0.666
0.689
0.711
0.733
0.755
0.778
0.800
0.823
0.845
0.868
0.891
0.914
0.937
0.960
0.983
1.006
1.029

57
0.315
0.336
0.358
0.380
0.401
0.423
0.445
0.468
0.490
0.512
0.534
0.557
0.579
0.602
0.624
0.647
0.670
0.693
0.716
0.739
0.762
0.785
0.809
0.832
0.855
0.879
0.903
0.926
0.950
0.974
0.998
1.022
1.046
1.070
1.094

58
0.326
0.348
0.371
0.393
0.416
0.439
0.462
0.485
0.508
0.531
0.554
0.577
0.600
0.624
0.647
0.671
0.694
0.718
0.742
0.766
0.790
0.814
0.838
0.862
0.886
0.911
0.935
0.960
0.984
1.009
1.034
1.059
1.084
1.109
1.134
1.159

59
0.340
0.363
0.387
0.410
0.434
0.457
0.481
0.505
0.529
0.553
0.577
0.601
0.625
0.650
0.674
0.699
0.723
0.748
0.773
0.798
0.823
0.848
0.873
0.898
0.923
0.949
0.974
1.000
1.026
1.051
1.077
1.103
1.129
1.155
1.181
1.208
1.234

60
0.355
0.379
0.403
0.428
0.452
0.477
0.502
0.527
0.552
0.577
0.602
0.627
0.652
0.678
0.703
0.729
0.755
0.780
0.806
0.832
0.858
0.884
0.911
0.937
0.963
0.990
1.016
1.043
1.070
1.097
1.123
1.150
1.178
1.205
1.232
1.259
1.287
1.314

61
0.369
0.394
0.419
0.445
0.470
0.496
0.522
0.548
0.574
0.600
0.626
0.652
0.678
0.705
0.731
0.758
0.785
0.811
0.838
0.865
0.892
0.919
0.947
0.974
1.001
1.029
1.056
1.084
1.112
1.140
1.168
1.196
1.224
1.252
1.281
1.309
1.338
1.366
1.395

62
0.386
0.412
0.439
0.465
0.492
0.519
0.546
0.573
0.600
0.627
0.655
0.682
0.710
0.737
0.765
0.793
0.821
0.849
0.877
0.905
0.933
0.961
0.990
1.019
1.047
1.076
1.105
1.134
1.163
1.192
1.221
1.251
1.280
1.309
1.339
1.369
1.399
1.429
1.459
1.489

63
0.402
0.429
0.457
0.485
0.513
0.541
0.569
0.597
0.625
0.654
0.682
0.711
0.739
0.768
0.797
0.826
0.855
0.884
0.914
0.943
0.972
1.002
1.032
1.061
1.091
1.121
1.151
1.181
1.212
1.242
1.272
1.303
1.334
1.364
1.395
1.426
1.457
1.488
1.520
1.551
1.582

64
0.419
0.448
0.477
0.506
0.535
0.564
0.594
0.623
0.653
0.682
0.712
0.742
0.772
0.802
0.832
0.862
0.892
0.923
0.953
0.984
1.015
1.045
1.076
1.107
1.139
1.170
1.201
1.233
1.264
1.296
1.328
1.359
1.391
1.423
1.456
1.488
1.520
1.553
1.585
1.618
1.651

65
0.438
0.468
0.499
0.529
0.559
0.590
0.620
0.651
0.682
0.713
0.744
0.775
0.806
0.838
0.869
0.901
0.932
0.964
0.996
1.028
1.060
1.092
1.125
1.157
1.190
1.222
1.255
1.288
1.321
1.354
1.387
1.420
1.454
1.487
1.521
1.554
1.588
1.622
1.656
1.690
1.724

66
0.459
0.490
0.522
0.553
0.585
0.617
0.649
0.681
0.714
0.746
0.778
0.811
0.844
0.876
0.909
0.942
0.976
1.009
1.042
1.076
1.109
1.143
1.177
1.211
1.245
1.279
1.313
1.347
1.382
1.416
1.451
1.486
1.521
1.556
1.591
1.626
1.662
1.697
1.733
1.768
1.804

67
0.481
0.514
0.547
0.580
0.613
0.647
0.681
0.714
0.748
0.782
0.816
0.850
0.884
0.919
0.953
0.988
1.022
1.057
1.092
1.127
1.163
1.198
1.233
1.269
1.304
1.340
1.376
1.412
1.448
1.484
1.521
1.557
1.594
1.630
1.667
1.704
1.741
1.778
1.816
1.853
1.890

68
0.505
0.540
0.574
0.609
0.644
0.679
0.715
0.750
0.785
0.821
0.857
0.893
0.928
0.965
1.001
1.037
1.074
1.110
1.147
1.184
1.221
1.258
1.295
1.332
1.369
1.407
1.445
1.482
1.520
1.558
1.596
1.635
1.673
1.712
1.750
1.789
1.828
1.867
1.906
1.945
1.984

69
0.531
0.568
0.604
0.641
0.678
0.715
0.752
0.789
0.826
0.864
0.901
0.939
0.977
1.015
1.053
1.091
1.129
1.168
1.206
1.245
1.284
1.323
1.362
1.401
1.440
1.480
1.519
1.559
1.599
1.639
1.679
1.719
1.760
1.800
1.841
1.881
1.922
1.963
2.004
2.046
2.087

70
0.556
0.594
0.633
0.671
0.710
0.748
0.787
0.826
0.865
0.904
0.944
0.983
1.023
1.062
1.102
1.142
1.182
1.223
1.263
1.303
1.344
1.385
1.426
1.467
1.508
1.549
1.591
1.632
1.674
1.716
1.758
1.800
1.842
1.884
1.927
1.969
2.012
2.055
2.098
2.141
2.184

Tempo de Contribuio Adicional x (em dias) para manter o valor do FP, quando se troca a Tabela de Expectativa de Sobrevida
Fator Previdencirio para os anos de 2015-2014

Diferena em
E(x)
E(x) anterior
E(x) atual

15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

61

62

63

64

65

66

67

68

69

70

0.2

0.2

0.2

0.2

0.3

0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.2

0.1

0.2

0.2

0.1

0.2

0.2

0.1

0.1

0.1

0.1

0.1

0.2

0.1

36.50
36.70
27
28
30
32
33
34
36
37
39
40
41
43
44
45
47
48
49
51
52
53
54
55
57
58
59
60
61
62
64
65
66

35.60
35.80
28
29
31
32
34
35
37
38
40
41
43
44
45
47
48
49
51
52
53
54
56
57
58
59
61
62
63
64
65
66
68

34.70
35.00
42
45
47
50
52
54
56
59
61
63
65
67
70
72
74
76
78
80
82
84
86
87
89
91
93
95
97
98
100
102
104

33.90
34.10
29
31
32
34
36
37
39
40
42
43
45
46
48
49
51
52
53
55
56
57
59
60
61
63
64
65
66
68
69
70
71

33.00
33.20
30
32
33
35
37
38
40
41
43
45
46
48
49
51
52
53
55
56
58
59
60
62
63
64
66
67
68
69
71
72
73

32.10
32.30
31
32
34
36
38
39
41
43
44
46
47
49
50
52
53
55
56
58
59
61
62
63
65
66
68
69
70
71
73
74
75

26.30
26.50
38
40
42
44
46
48
50
52
54
56
58
60
62
64
66
68
69
71
73
75
76
78
80
82
83
85
86
88
90
91
93

25.50
25.70
39
41
43
45
48
50
52
54
56
58
60
62
64
66
68
70
72
73
75
77
79
81
82
84
86
88
89
91
93
94
96

24.70
24.90
40
42
45
47
49
51
54
56
58
60
62
64
66
68
70
72
74
76
78
80
82
83
85
87
89
91
92
94
96
97
99

23.90
24.10
41
44
46
48
51
53
55
58
60
62
64
66
68
70
72
75
77
79
80
82
84
86
88
90
92
94
95
97
99
101
103

23.20
23.30
22
23
24
25
26
28
29
30
31
32
33
34
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
50
51
52
53

22.40
22.60
44
47
49
52
54
57
59
62
64
66
69
71
73
75
77
80
82
84
86
88
90
92
94
96
98
100
102
104
106
108
110

21.60
21.80
46
48
51
54
56
59
61
64
66
69
71
73
76
78
80
83
85
87
89
91
94
96
98
100
102
104
106
108
110
112
114

20.90
21.00
24
25
27
28
29
31
32
33
35
36
37
38
39
41
42
43
44
45
46
48
49
50
51
52
53
54
55
56
57
58
59

20.10
20.30
49
52
55
58
61
63
66
69
71
74
77
79
82
84
87
89
91
94
96
98
101
103
105
108
110
112
114
116
118
121
123

19.40
19.60
51
54
57
60
63
66
68
71
74
77
79
82
85
87
90
92
95
97
100
102
105
107
109
112
114
116
118
121
123
125
127

18.70
18.80
27
28
30
31
33
34
36
37
39
40
41
43
44
46
47
48
49
51
52
53
55
56
57
58
59
61
62
63
64
65
66

18.00
18.10
28
29
31
33
34
36
37
39
40
42
43
45
46
47
49
50
51
53
54
55
57
58
59
61
62
63
64
65
67
68
69

17.30
17.40
29
31
32
34
35
37
39
40
42
43
45
46
48
49
51
52
54
55
56
58
59
60
62
63
64
66
67
68
69
71
72

16.60
16.70
30
32
34
35
37
39
40
42
44
45
47
48
50
51
53
54
56
57
59
60
62
63
64
66
67
68
70
71
72
74
75

15.90
16.00
31
33
35
37
39
40
42
44
46
47
49
50
52
54
55
57
58
60
61
63
64
66
67
69
70
72
73
74
76
77
78

15.20
15.40
65
69
73
77
80
84
88
91
95
98
102
105
108
112
115
118
122
125
128
131
134
137
140
143
146
149
152
155
158
161
164

14.60
14.70
34
36
38
40
42
44
46
48
50
51
53
55
57
59
60
62
64
65
67
69
70
72
73
75
77
78
80
81
83
84
86

38.30 37.40
38.50 37.60
26
26
27
28
29
29
30
31
31
32
33
34
34
35
36
36
37
38
38
39
39
40
41
42
42
43
43
44
45
46
46
47
47
48
48
49
49
51
50
52
52
53
53
54
54
55
55
56
56
58
57
59
58
60
59
61
60
62
61
63
62
64

31.30 30.40 29.60 28.80 27.90 27.10


31.50 30.60 29.80 29.00 28.10 27.30
31
32
33
34
35
36
33
34
35
36
37
39
35
36
37
38
39
41
37
38
39
40
41
43
39
40
41
42
43
45
40
42
43
44
45
47
42
43
45
46
47
49
44
45
46
48
49
51
45
47
48
49
51
53
47
48
50
51
53
55
49
50
52
53
55
56
50
52
53
55
57
58
52
53
55
56
58
60
53
55
57
58
60
62
55
57
58
60
62
64
56
58
60
62
64
65
58
60
61
63
65
67
59
61
63
65
67
69
61
63
65
66
69
71
62
64
66
68
70
72
64
66
68
70
72
74
65
67
69
71
73
76
67
69
71
73
75
77
68
70
72
74
77
79
69
72
74
76
78
81
71
73
75
77
80
82
72
74
76
79
81
84
73
76
78
80
83
85
75
77
79
82
84
87
76
78
81
83
86
88
77
80
82
84
87
90

Elaborao - SPS/MPS e Dataprev

DIFERENA ENTRE FATOR PREVI

T
E
M
P
O
D
E
C
O
N
T
R
I
B
U
I

15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55

43
-0.001
-0.001
-0.001
-0.001
-0.001
-0.001
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.003
-0.003

44
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004

45
-0.001
-0.001
-0.001
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003

46
-0.001
-0.001
-0.002
-0.001
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003

47
-0.001
-0.001
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.004
-0.004
-0.004

48
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.004
-0.004
-0.004
-0.004
-0.004

49
-0.001
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004

50
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.005
-0.005
-0.005
-0.005

51
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.005
-0.005
-0.005
-0.005
-0.005
-0.005
-0.005

52
-0.002
-0.002
-0.002
-0.002
-0.002
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.005
-0.005
-0.005
-0.005
-0.005
-0.005
-0.006
-0.006
-0.006

NTRE FATOR PREVIDENCIRIO 2015 E 2014 (TABELAS IBGE 2013 E 2012)


IDADE DA APOSENTADORIA

53
-0.002
-0.002
-0.002
-0.002
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.005
-0.005
-0.005
-0.005
-0.005
-0.005
-0.006
-0.006
-0.006
-0.006
-0.006
-0.006

54
-0.002
-0.002
-0.002
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.005
-0.005
-0.005
-0.005
-0.005
-0.006
-0.006
-0.006
-0.006
-0.006
-0.006
-0.006
-0.006
-0.007
-0.007

55
-0.002
-0.002
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.005
-0.005
-0.005
-0.005
-0.005
-0.005
-0.006
-0.006
-0.006
-0.006
-0.006
-0.006
-0.007
-0.007
-0.007
-0.007
-0.007
-0.008

56
-0.002
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.004
-0.004
-0.004
-0.004
-0.004
-0.005
-0.005
-0.005
-0.005
-0.005
-0.005
-0.006
-0.006
-0.006
-0.006
-0.006
-0.006
-0.007
-0.007
-0.007
-0.007
-0.007
-0.007
-0.008
-0.008
-0.008
-0.008

57
-0.003
-0.003
-0.003
-0.003
-0.003
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.005
-0.005
-0.005
-0.005
-0.005
-0.006
-0.006
-0.006
-0.006
-0.006
-0.007
-0.007
-0.007
-0.007
-0.007
-0.007
-0.008
-0.008
-0.008
-0.008
-0.008
-0.009
-0.009
-0.009

58
-0.001
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.005
-0.005
-0.005
-0.005

59
-0.003
-0.003
-0.003
-0.004
-0.004
-0.004
-0.004
-0.005
-0.005
-0.005
-0.005
-0.005
-0.005
-0.006
-0.006
-0.006
-0.006
-0.007
-0.007
-0.007
-0.007
-0.007
-0.008
-0.008
-0.008
-0.008
-0.009
-0.009
-0.009
-0.009
-0.010
-0.010
-0.010
-0.010
-0.010
-0.011
-0.011

60
-0.003
-0.004
-0.004
-0.004
-0.004
-0.004
-0.005
-0.005
-0.005
-0.005
-0.005
-0.006
-0.006
-0.006
-0.006
-0.007
-0.007
-0.007
-0.007
-0.008
-0.008
-0.008
-0.008
-0.009
-0.009
-0.009
-0.009
-0.009
-0.010
-0.010
-0.010
-0.011
-0.011
-0.011
-0.011
-0.012
-0.012
-0.012

61
-0.002
-0.002
-0.002
-0.002
-0.002
-0.002
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.005
-0.005
-0.005
-0.005
-0.005
-0.005
-0.005
-0.005
-0.006
-0.006
-0.006
-0.006
-0.006
-0.006
-0.006
-0.007
-0.007

62
-0.004
-0.004
-0.004
-0.005
-0.005
-0.005
-0.005
-0.006
-0.006
-0.006
-0.006
-0.007
-0.007
-0.007
-0.008
-0.008
-0.008
-0.008
-0.009
-0.009
-0.009
-0.009
-0.010
-0.010
-0.010
-0.011
-0.011
-0.011
-0.012
-0.012
-0.012
-0.012
-0.013
-0.013
-0.013
-0.014
-0.014
-0.014
-0.014
-0.015

63
-0.004
-0.004
-0.005
-0.005
-0.005
-0.005
-0.006
-0.006
-0.006
-0.007
-0.007
-0.007
-0.008
-0.008
-0.008
-0.008
-0.009
-0.009
-0.009
-0.010
-0.010
-0.010
-0.011
-0.011
-0.011
-0.011
-0.012
-0.012
-0.012
-0.013
-0.013
-0.013
-0.014
-0.014
-0.014
-0.015
-0.015
-0.015
-0.016
-0.016
-0.016

64
-0.002
-0.002
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.004
-0.004
-0.004
-0.004
-0.004
-0.004
-0.005
-0.005
-0.005
-0.005
-0.005
-0.005
-0.005
-0.006
-0.006
-0.006
-0.006
-0.006
-0.006
-0.007
-0.007
-0.007
-0.007
-0.007
-0.008
-0.008
-0.008
-0.008
-0.008
-0.008
-0.009
-0.009

12)

65
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.004
-0.004
-0.004
-0.004
-0.004
-0.005
-0.005
-0.005
-0.005
-0.005
-0.005
-0.006
-0.006
-0.006
-0.006
-0.006
-0.006
-0.007
-0.007
-0.007
-0.007
-0.007
-0.007
-0.008
-0.008
-0.008
-0.008
-0.008
-0.009
-0.009
-0.009
-0.009
-0.009
-0.009

66
-0.003
-0.003
-0.003
-0.003
-0.003
-0.003
-0.004
-0.004
-0.004
-0.004
-0.004
-0.005
-0.005
-0.005
-0.005
-0.006
-0.006
-0.006
-0.006
-0.006
-0.006
-0.006
-0.007
-0.007
-0.007
-0.007
-0.008
-0.008
-0.008
-0.008
-0.008
-0.008
-0.009
-0.009
-0.009
-0.009
-0.010
-0.010
-0.010
-0.010
-0.010

67
-0.003
-0.003
-0.003
-0.003
-0.004
-0.004
-0.004
-0.004
-0.005
-0.005
-0.005
-0.005
-0.005
-0.005
-0.006
-0.006
-0.006
-0.006
-0.006
-0.007
-0.007
-0.007
-0.007
-0.008
-0.008
-0.008
-0.008
-0.008
-0.009
-0.009
-0.009
-0.009
-0.010
-0.010
-0.010
-0.010
-0.010
-0.011
-0.011
-0.011
-0.011

68
-0.003
-0.003
-0.004
-0.004
-0.004
-0.004
-0.005
-0.005
-0.005
-0.005
-0.005
-0.006
-0.006
-0.006
-0.006
-0.006
-0.007
-0.007
-0.007
-0.007
-0.008
-0.008
-0.008
-0.008
-0.009
-0.009
-0.009
-0.009
-0.010
-0.010
-0.010
-0.010
-0.011
-0.011
-0.011
-0.011
-0.011
-0.012
-0.012
-0.012
-0.012

69
-0.007
-0.007
-0.008
-0.008
-0.009
-0.009
-0.010
-0.010
-0.011
-0.011
-0.012
-0.012
-0.013
-0.013
-0.014
-0.014
-0.015
-0.015
-0.016
-0.016
-0.017
-0.017
-0.018
-0.018
-0.019
-0.019
-0.020
-0.020
-0.021
-0.021
-0.022
-0.022
-0.023
-0.023
-0.024
-0.024
-0.025
-0.026
-0.026
-0.027
-0.027

70
-0.004
-0.004
-0.004
-0.005
-0.005
-0.005
-0.005
-0.006
-0.006
-0.006
-0.006
-0.007
-0.007
-0.007
-0.008
-0.008
-0.008
-0.008
-0.008
-0.009
-0.009
-0.010
-0.010
-0.010
-0.010
-0.011
-0.011
-0.011
-0.011
-0.012
-0.012
-0.012
-0.013
-0.013
-0.013
-0.013
-0.014
-0.014
-0.014
-0.015
-0.015

EXPECTATIVA DE VIDA - IBGE


1998 a 2013
Idades Expectativa de Vida Expectativa de Vida Expectativa de Vida Expectativa de Vida
Exatas
Idade X - E(X)
Idade X - E(X) Idade X - E(X)
Idade X - E(X)
(X)
1998
1999
2000
2001
0
68.1
68.4
68.6
68.9
1
69.6
69.8
70.0
70.2
2
68.8
69.0
69.2
69.4
3
67.9
68.1
68.3
68.4
4
66.9
67.1
67.3
67.5
5
66.0
66.2
66.4
66.5
6
65.0
65.2
65.4
65.6
7
64.1
64.3
64.4
64.6
8
63.1
63.3
63.5
63.6
9
62.1
62.3
62.5
62.7
10
61.1
61.3
61.5
61.7
11
60.2
60.3
60.5
60.7
12
59.2
59.4
59.5
59.7
13
58.2
58.4
58.6
58.7
14
57.2
57.4
57.6
57.8
15
56.3
56.4
56.6
56.8
16
55.3
55.5
55.7
55.8
17
54.4
54.5
54.7
54.9
18
53.4
53.6
53.8
54.0
19
52.5
52.7
52.9
53.0
20
51.6
51.8
51.9
52.1
21
50.7
50.8
51.0
51.2
22
49.7
49.9
50.1
50.3
23
48.8
49.0
49.2
49.3
24
47.9
48.1
48.3
48.4
25
47.0
47.2
47.4
47.5
26
46.1
46.3
46.4
46.6
27
45.2
45.4
45.5
45.7
28
44.3
44.5
44.6
44.8
29
43.4
43.6
43.7
43.9
30
42.5
42.7
42.8
43.0
31
41.6
41.8
41.9
42.1
32
40.7
40.9
41.0
41.2
33
39.8
40.0
40.1
40.3
34
38.9
39.1
39.2
39.4
35
38.0
38.2
38.3
38.5
36
37.1
37.3
37.4
37.6
37
36.2
36.4
36.6
36.7
38
35.4
35.5
35.7
35.8
39
34.5
34.6
34.8
34.9
40
33.6
33.8
33.9
34.1
41
32.7
32.9
33.0
33.2
42
31.9
32.0
32.2
32.3
43
31.0
31.2
31.3
31.5
44
30.2
30.3
30.5
30.6
45
29.3
29.5
29.6
29.7
46
28.5
28.6
28.8
28.9
47
27.7
27.8
27.9
28.1
48
26.8
27.0
27.1
27.2
49
26.0
26.1
26.3
26.4
50
25.2
25.3
25.5
25.6
51
24.4
24.5
24.7
24.8
52
23.6
23.7
23.9
24.0
53
22.8
23.0
23.1
23.2
54
22.1
22.2
22.3
22.4
55
21.3
21.4
21.5
21.6
56
20.5
20.6
20.8
20.9
57
19.8
19.9
20.0
20.1
58
19.0
19.2
19.3
19.4
59
18.3
18.4
18.5
18.6
60
17.6
17.7
17.8
17.9
61
16.9
17.0
17.1
17.2
62
16.2
16.3
16.4
16.5
63
15.5
15.6
15.7
15.8
64
14.8
14.9
15.0
15.1
65
14.1
14.2
14.3
14.4
66
13.5
13.6
13.7
13.8
67
12.8
12.9
13.0
13.1
68
12.2
12.3
12.4
12.4
69
11.5
11.6
11.7
11.8
70
10.9
11.0
11.1
11.2
71
10.4
10.4
10.5
10.6
72
9.8
9.9
10.0
10.0
73
9.2
9.3
9.4
9.5
74
8.7
8.8
8.9
9.0
75
8.2
8.3
8.4
8.4
76
7.7
7.8
7.9
7.9
77
7.3
7.3
7.4
7.5
78
6.8
6.9
7.0
7.0
79
6.4
6.5
6.5
6.6
80
6.0
6.1
6.1
5.8
Fonte: IBGE
Elaborao: MPS/SPS

Expectativa de Vida
Idade X - E(X)
2002
71.0
72.1
71.3
70.4
69.5
68.5
67.6
66.6
65.6
64.7
63.7
62.7
61.7
60.7
59.8
58.8
57.9
56.9
56.0
55.1
54.2
53.3
52.4
51.5
50.6
49.7
48.8
47.9
47.0
46.1
45.2
44.3
43.4
42.5
41.6
40.8
39.9
39.0
38.1
37.2
36.4
35.5
34.7
33.8
33.0
32.1
31.3
30.5
29.7
28.9
28.1
27.3
26.5
25.7
24.9
24.2
23.4
22.7
21.9
21.2
20.5
19.8
19.1
18.5
17.8
17.1
16.5
15.9
15.2
14.6
14.1
13.5
12.9
12.4
11.9
11.4
10.9
10.5
10.0
9.6
9.2

Expectativa de Vida
Idade X - E(X)
2003
71.3
72.4
71.6
70.7
69.8
68.8
67.8
66.9
65.9
64.9
63.9
62.9
62.0
61.0
60.0
59.1
58.1
57.2
56.2
55.3
54.4
53.5
52.6
51.7
50.8
49.9
49.0
48.1
47.2
46.3
45.4
44.5
43.6
42.7
41.8
40.9
40.1
39.2
38.3
37.4
36.6
35.7
34.8
34.0
33.1
32.3
31.5
30.6
29.8
29.0
28.2
27.4
26.6
25.8
25.1
24.3
23.5
22.8
22.1
21.3
20.6
19.9
19.2
18.5
17.9
17.2
16.6
15.9
15.3
14.7
14.1
13.6
13.0
12.5
12.0
11.5
11.0
10.5
10.1
9.7
9.3

Expectativa de Vida
Idade X - E(X)
2004
71.7
72.6
71.8
70.9
70.0
69.0
68.1
67.1
66.1
65.1
64.2
63.2
62.2
61.2
60.2
59.3
58.3
57.4
56.4
55.5
54.6
53.7
52.8
51.9
51.0
50.1
49.2
48.3
47.4
46.5
45.6
44.7
43.8
42.9
42.0
41.1
40.2
39.3
38.5
37.6
36.7
35.9
35.0
34.1
33.3
32.4
31.6
30.8
30.0
29.2
28.3
27.5
26.7
26.0
25.2
24.4
23.7
22.9
22.2
21.4
20.7
20.0
19.3
18.6
18.0
17.3
16.7
16.0
15.4
14.8
14.2
13.6
13.1
12.5
12.0
11.5
11.0
10.6
10.1
9.7
9.3

Expectativa de Vida
Idade X - E(X)
2005
71.9
72.8
72.0
71.1
70.2
69.2
68.3
67.3
66.3
65.3
64.4
63.4
62.4
61.4
60.4
59.5
58.5
57.6
56.7
55.7
54.8
53.9
53.0
52.1
51.2
50.3
49.4
48.5
47.6
46.7
45.8
44.9
44.0
43.1
42.2
41.3
40.4
39.5
38.6
37.8
36.9
36.0
35.1
34.3
33.4
32.6
31.8
30.9
30.1
29.3
28.5
27.7
26.9
26.1
25.3
24.5
23.8
23.0
22.3
21.5
20.8
20.1
19.4
18.7
18.1
17.4
16.7
16.1
15.5
14.9
14.3
13.7
13.1
12.6
12.1
11.6
11.1
10.6
10.2
9.7
9.3

Expectativa de Vida
Idade X - E(X)
2006
72.3
73.1
72.3
71.4
70.5
69.5
68.5
67.6
66.6
65.6
64.6
63.6
62.7
61.7
60.7
59.7
58.8
57.8
56.9
56.0
55.1
54.1
53.2
52.3
51.4
50.5
49.6
48.7
47.8
46.9
46.0
45.1
44.2
43.3
42.4
41.5
40.6
39.7
38.8
37.9
37.1
36.2
35.3
34.5
33.6
32.8
31.9
31.1
30.3
29.4
28.6
27.8
27.0
26.2
25.4
24.7
23.9
23.1
22.4
21.7
20.9
20.2
19.5
18.8
18.2
17.5
16.8
16.2
15.6
14.9
14.4
13.8
13.2
12.7
12.1
11.6
11.1
10.7
10.2
9.8
9.4

Expectativa de Vida
Idade X - E(X)
2007
72.6
73.4
72.6
71.7
70.7
69.7
68.8
67.8
66.8
65.8
64.8
63.8
62.9
61.9
60.9
59.9
59.0
58.0
57.1
56.2
55.3
54.3
53.4
52.5
51.6
50.7
49.8
48.9
48.0
47.1
46.2
45.3
44.4
43.5
42.6
41.7
40.8
39.9
39.0
38.1
37.2
36.4
35.5
34.6
33.8
32.9
32.1
31.2
30.4
29.6
28.8
27.9
27.1
26.3
25.6
24.8
24.0
23.3
22.5
21.8
21.1
20.3
19.6
18.9
18.3
17.6
16.9
16.3
15.6
15.0
14.4
13.8
13.3
12.7
12.2
11.7
11.2
10.7
10.3
9.9
9.4

Expectativa de Vida
Idade X - E(X)
2008
72.9
73.6
72.8
71.8
70.9
69.9
69.0
68.0
67.0
66.0
65.1
64.1
63.1
62.1
61.1
60.2
59.2
58.3
57.3
56.4
55.5
54.5
53.6
52.7
51.8
50.9
50.0
49.1
48.2
47.3
46.4
45.5
44.5
43.6
42.7
41.8
40.9
40.0
39.2
38.3
37.4
36.5
35.6
34.8
33.9
33.1
32.2
31.4
30.5
29.7
28.9
28.1
27.3
26.5
25.7
24.9
24.1
23.4
22.6
21.9
21.2
20.4
19.7
19.0
18.4
17.7
17.0
16.4
15.7
15.1
14.5
13.9
13.4
12.8
12.3
11.8
11.3
10.8
10.3
9.9
9.5

Expectativa de Vida
Idade X - E(X)
2009
73.2
73.9
73.0
72.1
71.1
70.2
69.2
68.2
67.3
66.3
65.3
64.3
63.3
62.3
61.4
60.4
59.4
58.5
57.6
56.6
55.7
54.8
53.9
52.9
52.0
51.1
50.2
49.3
48.4
47.5
46.6
45.6
44.7
43.8
42.9
42.0
41.1
40.2
39.3
38.4
37.6
36.7
35.8
34.9
34.1
33.2
32.4
31.5
30.7
29.9
29.0
28.2
27.4
26.6
25.8
25.0
24.3
23.5
22.7
22.0
21.3
20.5
19.8
19.1
18.5
17.8
17.1
16.5
15.8
15.2
14.6
14.0
13.4
12.9
12.3
11.8
11.3
10.9
10.4
10.0
9.6

Expectativa de Vida
Idade X - E(X)
2010
73.5
74.1
73.3
72.3
71.4
70.4
69.5
68.5
67.5
66.5
65.5
64.5
63.6
62.6
61.6
60.6
59.7
58.7
57.8
56.8
55.9
55.0
54.1
53.2
52.3
51.3
50.4
49.5
48.6
47.7
46.8
45.8
44.9
44.0
43.1
42.2
41.3
40.4
39.5
38.6
37.7
36.9
36.0
35.1
34.2
33.4
32.5
31.7
30.8
30.0
29.2
28.4
27.5
26.7
25.9
25.2
24.4
23.6
22.9
22.1
21.4
20.7
19.9
19.2
18.6
17.9
17.2
16.5
15.9
15.3
14.7
14.1
13.5
12.9
12.4
11.9
11.4
10.9
10.5
10.0
9.6

Expectativa de Vida
Idade X - E(X)
2011
74.1
74.3
73.4
72.5
71.5
70.5
69.6
68.6
67.6
66.6
65.6
64.7
63.7
62.7
61.7
60.7
59.8
58.9
57.9
57.0
56.1
55.2
54.3
53.4
52.4
51.5
50.6
49.7
48.8
47.9
47.0
46.0
45.1
44.2
43.3
42.4
41.5
40.6
39.7
38.8
37.9
37.0
36.1
35.2
34.3
33.5
32.6
31.7
30.9
30.0
29.2
28.4
27.5
26.7
25.9
25.1
24.3
23.5
22.8
22.0
21.2
20.5
19.7
19.0
18.3
17.6
16.9
16.2
15.5
14.9
14.2
13.6
13.0
12.4
11.8
11.2
10.7
10.1
9.6
9.1
8.7

Expectativa de Vida
Idade X - E(X)
2012
74.6
74.8
73.8
72.9
71.9
71.0
70.0
69.0
68.0
67.0
66.0
65.1
64.1
63.1
62.1
61.2
60.2
59.3
58.3
57.4
56.5
55.6
54.7
53.8
52.8
51.9
51.0
50.1
49.2
48.3
47.4
46.5
45.5
44.6
43.7
42.8
41.9
41.0
40.1
39.2
38.3
37.4
36.5
35.6
34.7
33.9
33.0
32.1
31.3
30.4
29.6
28.8
27.9
27.1
26.3
25.5
24.7
23.9
23.2
22.4
21.6
20.9
20.1
19.4
18.7
18.0
17.3
16.6
15.9
15.2
14.6
14.0
13.4
12.8
12.2
11.6
11.1
10.6
10.0
9.6
9.1

Expectativa de Vida
Idade X - E(X)
2013
74.9
75.0
74.1
73.2
72.2
71.2
70.2
69.3
68.3
67.3
66.3
65.3
64.3
63.4
62.4
61.4
60.5
59.5
58.6
57.7
56.7
55.8
54.9
54.0
53.1
52.2
51.3
50.4
49.4
48.5
47.6
46.7
45.8
44.9
44.0
43.0
42.1
41.2
40.3
39.4
38.5
37.6
36.7
35.8
35.0
34.1
33.2
32.3
31.5
30.6
29.8
29.0
28.1
27.3
26.5
25.7
24.9
24.1
23.3
22.6
21.8
21.0
20.3
19.6
18.8
18.1
17.4
16.7
16.0
15.4
14.7
14.1
13.5
12.9
12.3
11.7
11.2
10.7
10.2
9.7
9.2

Diferena
(1999 - 1998)

Diferena
(2000 - 1999)

Diferena
(2001 - 2000)

Diferena
(2002- 2001)

Diferena
(2003 - 2002)

0.3
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.1
0.2
0.2
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1

0.3
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1

0.3
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
-0.3

2.2
1.9
2.0
2.0
2.0
2.0
2.0
2.0
2.0
2.0
2.0
2.0
2.0
2.0
2.0
2.0
2.0
2.0
2.0
2.0
2.1
2.1
2.1
2.1
2.1
2.1
2.2
2.2
2.2
2.2
2.2
2.2
2.2
2.2
2.3
2.3
2.3
2.3
2.3
2.3
2.3
2.3
2.3
2.4
2.4
2.4
2.4
2.4
2.4
2.5
2.5
2.5
2.5
2.5
2.5
2.5
2.5
2.6
2.6
2.6
2.6
2.6
2.6
2.7
2.7
2.7
2.7
2.8
2.8
2.8
2.9
2.9
2.9
2.9
2.9
3.0
3.0
3.0
3.0
3.0
3.4

0.3
0.3
0.3
0.3
0.3
0.3
0.2
0.3
0.3
0.2
0.2
0.2
0.3
0.3
0.2
0.3
0.2
0.3
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.2
0.1
0.2
0.2
0.2
0.2
0.2
0.2
0.1
0.2
0.1
0.2
0.2
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.2
0.1
0.1
0.1
0.2
0.1
0.1
0.1
0.1
0.0
0.1
0.1
0.1
0.0
0.1
0.1
0.0
0.1
0.1
0.1
0.1
0.1
0.1
0.0
0.1
0.1
0.1

FATOR PREVIDENCIRIO

IDADE DA AP

T
E
M
P
O
D
E
C
O
N
T
R
I
B
U
I

43
0.195
0.208
0.222
0.236
0.249
0.263
0.277
0.290
0.304
0.318
0.332
0.346
0.360
0.374
0.388
0.402
0.417
0.431
0.445
0.460
0.474

44
0.202
0.215
0.229
0.243
0.257
0.271
0.286
0.300
0.314
0.328
0.343
0.357
0.372
0.386
0.401
0.416
0.430
0.445
0.460
0.475
0.490
0.505

15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
Elaborao: SPS/MPS.

45
0.208
0.223
0.237
0.252
0.266
0.281
0.295
0.310
0.325
0.340
0.354
0.369
0.384
0.399
0.414
0.430
0.445
0.460
0.475
0.491
0.506
0.522
0.537

46
0.215
0.230
0.245
0.259
0.274
0.289
0.305
0.320
0.335
0.350
0.366
0.381
0.396
0.412
0.427
0.443
0.459
0.474
0.490
0.506
0.522
0.538
0.554
0.570

47
0.222
0.238
0.253
0.269
0.284
0.300
0.315
0.331
0.347
0.362
0.378
0.394
0.410
0.426
0.442
0.459
0.475
0.491
0.507
0.524
0.540
0.557
0.573
0.590
0.607

48
0.230
0.246
0.262
0.278
0.294
0.310
0.327
0.343
0.359
0.375
0.392
0.408
0.425
0.442
0.458
0.475
0.492
0.509
0.526
0.543
0.560
0.577
0.594
0.611
0.628
0.646

49
0.238
0.255
0.271
0.288
0.304
0.321
0.337
0.354
0.371
0.388
0.405
0.422
0.439
0.456
0.473
0.491
0.508
0.525
0.543
0.561
0.578
0.596
0.614
0.631
0.649
0.667
0.685

50
0.246
0.263
0.280
0.297
0.314
0.332
0.349
0.366
0.384
0.401
0.419
0.436
0.454
0.472
0.489
0.507
0.525
0.543
0.561
0.579
0.598
0.616
0.634
0.653
0.671
0.690
0.708
0.727

51
0.256
0.273
0.291
0.309
0.327
0.344
0.362
0.380
0.398
0.417
0.435
0.453
0.471
0.490
0.508
0.527
0.545
0.564
0.583
0.602
0.621
0.639
0.658
0.678
0.697
0.716
0.735
0.755
0.774

52
0.265
0.283
0.301
0.320
0.338
0.357
0.375
0.394
0.413
0.431
0.450
0.469
0.488
0.507
0.526
0.545
0.565
0.584
0.603
0.623
0.643
0.662
0.682
0.702
0.721
0.741
0.761
0.781
0.801
0.822

53
0.275
0.293
0.312
0.331
0.351
0.370
0.389
0.408
0.428
0.447
0.467
0.486
0.506
0.526
0.545
0.565
0.585
0.605
0.625
0.646
0.666
0.686
0.707
0.727
0.748
0.768
0.789
0.810
0.830
0.851
0.872

OR PREVIDENCIRIO 2013 (TABELA IBGE 2011)


IDADE DA APOSENTADORIA

54
0.285
0.304
0.324
0.344
0.364
0.383
0.403
0.423
0.444
0.464
0.484
0.504
0.525
0.545
0.566
0.586
0.607
0.628
0.649
0.670
0.691
0.712
0.733
0.754
0.775
0.797
0.818
0.840
0.861
0.883
0.905
0.926

55
0.296
0.316
0.337
0.357
0.378
0.398
0.419
0.440
0.461
0.481
0.503
0.524
0.545
0.566
0.587
0.609
0.630
0.652
0.673
0.695
0.717
0.739
0.761
0.783
0.805
0.827
0.849
0.872
0.894
0.916
0.939
0.962
0.984

56
0.307
0.329
0.350
0.371
0.392
0.414
0.435
0.457
0.479
0.500
0.522
0.544
0.566
0.588
0.610
0.633
0.655
0.677
0.700
0.722
0.745
0.768
0.790
0.813
0.836
0.859
0.882
0.906
0.929
0.952
0.976
0.999
1.023
1.046

57
0.320
0.342
0.364
0.386
0.408
0.431
0.453
0.475
0.498
0.521
0.543
0.566
0.589
0.612
0.635
0.658
0.681
0.705
0.728
0.751
0.775
0.799
0.822
0.846
0.870
0.894
0.918
0.942
0.966
0.990
1.015
1.039
1.064
1.088
1.113

58
0.333
0.356
0.379
0.402
0.425
0.448
0.472
0.495
0.519
0.542
0.566
0.590
0.613
0.637
0.661
0.685
0.710
0.734
0.758
0.783
0.807
0.832
0.856
0.881
0.906
0.931
0.956
0.981
1.006
1.031
1.057
1.082
1.108
1.133
1.159
1.185

59
0.347
0.371
0.395
0.419
0.443
0.468
0.492
0.516
0.541
0.565
0.590
0.615
0.640
0.665
0.690
0.715
0.740
0.765
0.791
0.816
0.841
0.867
0.893
0.919
0.945
0.970
0.997
1.023
1.049
1.075
1.102
1.128
1.155
1.181
1.208
1.235
1.262

60
0.361
0.386
0.411
0.436
0.461
0.486
0.511
0.537
0.562
0.588
0.613
0.639
0.665
0.691
0.717
0.743
0.769
0.795
0.821
0.848
0.874
0.901
0.928
0.955
0.981
1.008
1.035
1.063
1.090
1.117
1.145
1.172
1.200
1.227
1.255
1.283
1.311
1.339

61
0.378
0.404
0.430
0.456
0.482
0.508
0.535
0.561
0.588
0.614
0.641
0.668
0.695
0.722
0.749
0.776
0.804
0.831
0.859
0.886
0.914
0.942
0.970
0.998
1.026
1.054
1.082
1.111
1.139
1.168
1.196
1.225
1.254
1.283
1.312
1.341
1.370
1.400
1.429

62
0.393
0.420
0.447
0.475
0.502
0.529
0.557
0.584
0.612
0.640
0.668
0.696
0.724
0.752
0.780
0.809
0.837
0.866
0.894
0.923
0.952
0.981
1.010
1.039
1.068
1.098
1.127
1.157
1.186
1.216
1.246
1.276
1.306
1.336
1.366
1.397
1.427
1.458
1.488
1.519

63
0.410
0.438
0.467
0.495
0.524
0.552
0.581
0.610
0.638
0.667
0.696
0.726
0.755
0.784
0.814
0.843
0.873
0.903
0.933
0.963
0.993
1.023
1.053
1.084
1.114
1.145
1.175
1.206
1.237
1.268
1.299
1.330
1.362
1.393
1.425
1.456
1.488
1.520
1.552
1.584
1.616

64
0.431
0.460
0.490
0.520
0.550
0.580
0.610
0.640
0.670
0.701
0.731
0.762
0.793
0.824
0.854
0.886
0.917
0.948
0.979
1.011
1.042
1.074
1.106
1.138
1.170
1.202
1.234
1.266
1.299
1.331
1.364
1.397
1.430
1.462
1.496
1.529
1.562
1.595
1.629
1.662
1.696

65
0.451
0.482
0.513
0.544
0.575
0.607
0.638
0.670
0.701
0.733
0.765
0.797
0.829
0.861
0.894
0.926
0.959
0.992
1.024
1.057
1.090
1.123
1.157
1.190
1.223
1.257
1.291
1.324
1.358
1.392
1.426
1.461
1.495
1.529
1.564
1.599
1.633
1.668
1.703
1.738
1.774

66
0.472
0.505
0.537
0.570
0.603
0.636
0.668
0.702
0.735
0.768
0.802
0.835
0.869
0.903
0.936
0.970
1.005
1.039
1.073
1.108
1.142
1.177
1.212
1.247
1.282
1.317
1.352
1.387
1.423
1.459
1.494
1.530
1.566
1.602
1.638
1.675
1.711
1.747
1.784
1.821
1.858

67
0.496
0.530
0.564
0.598
0.632
0.667
0.702
0.736
0.771
0.806
0.841
0.876
0.912
0.947
0.983
1.018
1.054
1.090
1.126
1.162
1.199
1.235
1.271
1.308
1.345
1.382
1.419
1.456
1.493
1.530
1.568
1.605
1.643
1.681
1.719
1.757
1.795
1.833
1.872
1.910
1.949

68
0.518
0.553
0.589
0.625
0.661
0.697
0.733
0.769
0.806
0.842
0.879
0.916
0.952
0.989
1.027
1.064
1.101
1.139
1.176
1.214
1.252
1.290
1.328
1.366
1.405
1.443
1.482
1.521
1.559
1.598
1.638
1.677
1.716
1.756
1.795
1.835
1.875
1.915
1.955
1.995
2.036

69
0.546
0.583
0.621
0.658
0.696
0.734
0.772
0.810
0.849
0.887
0.926
0.964
1.003
1.042
1.081
1.120
1.160
1.199
1.239
1.279
1.318
1.359
1.399
1.439
1.479
1.520
1.560
1.601
1.642
1.683
1.724
1.766
1.807
1.849
1.890
1.932
1.974
2.016
2.059
2.101
2.143

70
0.572
0.611
0.650
0.689
0.729
0.769
0.809
0.849
0.889
0.929
0.969
1.010
1.051
1.091
1.132
1.173
1.215
1.256
1.297
1.339
1.381
1.423
1.465
1.507
1.549
1.592
1.634
1.677
1.720
1.763
1.806
1.849
1.892
1.936
1.980
2.023
2.067
2.111
2.156
2.200
2.244

FATOR PREVIDENCIRIO 2012 (TABELA IBGE 2010)


IDADE DA APOSENTADORIA

T
E
M
P
O
D
E
C
O
N
T
R
I
B
U
I

43
0.196
0.209
0.223
0.236
0.250
0.264
0.277
0.291
0.305
0.319
0.333
0.347
0.361
0.375
0.389
0.404
0.418
0.432
0.447
0.461
0.476

44
0.202
0.216
0.230
0.244
0.258
0.272
0.286
0.301
0.315
0.329
0.344
0.358
0.373
0.388
0.402
0.417
0.432
0.446
0.461
0.476
0.491
0.506

15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
Elaborao: SPS/MPS.

45
0.209
0.223
0.238
0.252
0.267
0.282
0.296
0.311
0.326
0.341
0.355
0.370
0.385
0.401
0.416
0.431
0.446
0.462
0.477
0.492
0.508
0.523
0.539

46
0.216
0.230
0.245
0.260
0.275
0.290
0.305
0.321
0.336
0.351
0.367
0.382
0.398
0.413
0.429
0.444
0.460
0.476
0.492
0.508
0.524
0.540
0.556
0.572

47
0.223
0.239
0.254
0.269
0.285
0.301
0.316
0.332
0.348
0.364
0.380
0.396
0.412
0.428
0.444
0.460
0.476
0.493
0.509
0.525
0.542
0.559
0.575
0.592
0.609

48
0.230
0.246
0.262
0.278
0.294
0.310
0.327
0.343
0.359
0.375
0.392
0.408
0.425
0.442
0.458
0.475
0.492
0.509
0.526
0.543
0.560
0.577
0.594
0.611
0.628
0.646

49
0.238
0.255
0.271
0.288
0.304
0.321
0.337
0.354
0.371
0.388
0.405
0.422
0.439
0.456
0.473
0.491
0.508
0.525
0.543
0.561
0.578
0.596
0.614
0.631
0.649
0.667
0.685

50
0.247
0.264
0.281
0.298
0.316
0.333
0.350
0.368
0.385
0.403
0.420
0.438
0.456
0.473
0.491
0.509
0.527
0.545
0.563
0.581
0.600
0.618
0.636
0.655
0.673
0.692
0.711
0.729

51
0.256
0.273
0.291
0.309
0.327
0.344
0.362
0.380
0.398
0.417
0.435
0.453
0.471
0.490
0.508
0.527
0.545
0.564
0.583
0.602
0.621
0.639
0.658
0.678
0.697
0.716
0.735
0.755
0.774

52
0.265
0.283
0.301
0.320
0.338
0.357
0.375
0.394
0.413
0.431
0.450
0.469
0.488
0.507
0.526
0.545
0.565
0.584
0.603
0.623
0.643
0.662
0.682
0.702
0.721
0.741
0.761
0.781
0.801
0.822

53
0.275
0.293
0.312
0.331
0.351
0.370
0.389
0.408
0.428
0.447
0.467
0.486
0.506
0.526
0.545
0.565
0.585
0.605
0.625
0.646
0.666
0.686
0.707
0.727
0.748
0.768
0.789
0.810
0.830
0.851
0.872

54
0.285
0.304
0.324
0.344
0.364
0.383
0.403
0.423
0.444
0.464
0.484
0.504
0.525
0.545
0.566
0.586
0.607
0.628
0.649
0.670
0.691
0.712
0.733
0.754
0.775
0.797
0.818
0.840
0.861
0.883
0.905
0.926

55
0.296
0.316
0.337
0.357
0.378
0.398
0.419
0.440
0.461
0.481
0.503
0.524
0.545
0.566
0.587
0.609
0.630
0.652
0.673
0.695
0.717
0.739
0.761
0.783
0.805
0.827
0.849
0.872
0.894
0.916
0.939
0.962
0.984

56
0.307
0.329
0.350
0.371
0.392
0.414
0.435
0.457
0.479
0.500
0.522
0.544
0.566
0.588
0.610
0.633
0.655
0.677
0.700
0.722
0.745
0.768
0.790
0.813
0.836
0.859
0.882
0.906
0.929
0.952
0.976
0.999
1.023
1.046

57
0.319
0.340
0.362
0.384
0.407
0.429
0.451
0.473
0.496
0.518
0.541
0.564
0.587
0.609
0.632
0.655
0.678
0.702
0.725
0.748
0.772
0.795
0.819
0.842
0.866
0.890
0.914
0.938
0.962
0.986
1.010
1.035
1.059
1.084
1.108

58
0.332
0.355
0.377
0.400
0.423
0.447
0.470
0.493
0.516
0.540
0.563
0.587
0.611
0.635
0.658
0.682
0.706
0.731
0.755
0.779
0.804
0.828
0.853
0.877
0.902
0.927
0.952
0.977
1.002
1.027
1.052
1.077
1.103
1.128
1.154
1.179

59
0.344
0.368
0.392
0.416
0.439
0.463
0.488
0.512
0.536
0.560
0.585
0.609
0.634
0.659
0.683
0.708
0.733
0.758
0.783
0.809
0.834
0.859
0.885
0.910
0.936
0.962
0.988
1.013
1.039
1.066
1.092
1.118
1.144
1.171
1.197
1.224
1.251

60
0.359
0.384
0.409
0.434
0.459
0.484
0.509
0.534
0.559
0.585
0.610
0.636
0.662
0.687
0.713
0.739
0.765
0.791
0.818
0.844
0.870
0.897
0.923
0.950
0.977
1.004
1.031
1.058
1.085
1.112
1.139
1.167
1.194
1.222
1.249
1.277
1.305
1.333

61
0.374
0.400
0.425
0.451
0.477
0.503
0.529
0.556
0.582
0.608
0.635
0.661
0.688
0.715
0.742
0.769
0.796
0.823
0.850
0.878
0.905
0.933
0.960
0.988
1.016
1.044
1.072
1.100
1.128
1.156
1.185
1.213
1.242
1.270
1.299
1.328
1.357
1.386
1.415

62
0.389
0.416
0.443
0.470
0.497
0.524
0.551
0.579
0.606
0.633
0.661
0.689
0.717
0.744
0.772
0.801
0.829
0.857
0.885
0.914
0.942
0.971
1.000
1.029
1.058
1.087
1.116
1.145
1.174
1.204
1.233
1.263
1.293
1.323
1.353
1.383
1.413
1.443
1.473
1.504

63
0.406
0.434
0.462
0.490
0.518
0.546
0.575
0.603
0.632
0.660
0.689
0.718
0.747
0.776
0.805
0.835
0.864
0.893
0.923
0.953
0.982
1.012
1.042
1.072
1.103
1.133
1.163
1.194
1.224
1.255
1.286
1.317
1.347
1.379
1.410
1.441
1.472
1.504
1.535
1.567
1.599

64
0.424
0.453
0.482
0.511
0.541
0.570
0.600
0.630
0.660
0.689
0.719
0.750
0.780
0.810
0.841
0.871
0.902
0.933
0.963
0.994
1.025
1.057
1.088
1.119
1.151
1.182
1.214
1.246
1.278
1.310
1.342
1.374
1.406
1.439
1.471
1.504
1.537
1.569
1.602
1.635
1.669

65
0.443
0.474
0.504
0.535
0.565
0.596
0.627
0.658
0.689
0.721
0.752
0.784
0.815
0.847
0.879
0.911
0.943
0.975
1.007
1.039
1.072
1.104
1.137
1.170
1.203
1.236
1.269
1.302
1.335
1.369
1.402
1.436
1.470
1.504
1.538
1.572
1.606
1.640
1.675
1.709
1.744

66
0.461
0.493
0.525
0.557
0.589
0.621
0.653
0.685
0.718
0.750
0.783
0.816
0.849
0.882
0.915
0.948
0.981
1.015
1.048
1.082
1.116
1.149
1.183
1.218
1.252
1.286
1.321
1.355
1.390
1.425
1.459
1.494
1.530
1.565
1.600
1.636
1.671
1.707
1.743
1.779
1.815

67
0.484
0.517
0.550
0.584
0.617
0.651
0.685
0.718
0.752
0.787
0.821
0.855
0.890
0.924
0.959
0.994
1.029
1.064
1.099
1.134
1.169
1.205
1.241
1.276
1.312
1.348
1.384
1.421
1.457
1.493
1.530
1.567
1.603
1.640
1.677
1.714
1.752
1.789
1.827
1.864
1.902

68
0.505
0.540
0.574
0.609
0.644
0.679
0.715
0.750
0.785
0.821
0.857
0.892
0.928
0.965
1.001
1.037
1.073
1.110
1.147
1.184
1.220
1.258
1.295
1.332
1.369
1.407
1.445
1.482
1.520
1.558
1.596
1.635
1.673
1.711
1.750
1.789
1.828
1.867
1.906
1.945
1.984

69
0.531
0.568
0.604
0.641
0.678
0.715
0.752
0.789
0.826
0.864
0.901
0.939
0.977
1.015
1.053
1.091
1.129
1.168
1.206
1.245
1.284
1.323
1.362
1.401
1.440
1.480
1.519
1.559
1.599
1.639
1.679
1.719
1.760
1.800
1.841
1.881
1.922
1.963
2.004
2.046
2.087

70
0.556
0.594
0.633
0.671
0.710
0.748
0.787
0.826
0.865
0.904
0.944
0.983
1.023
1.062
1.102
1.142
1.182
1.222
1.263
1.303
1.344
1.385
1.426
1.467
1.508
1.549
1.591
1.632
1.674
1.716
1.758
1.800
1.842
1.884
1.927
1.969
2.012
2.055
2.098
2.141
2.184

FATOR PREVIDENCIRIO 2011 (TABELA IBGE 2009)


IDADE DA APOSENTADORIA

T
E
M
P
O
D
E
C
O
N
T
R
I
B
U
I

43
0.197
0.210
0.224
0.238
0.251
0.265
0.279
0.293
0.307
0.321
0.335
0.349
0.363
0.377
0.392
0.406
0.420
0.435
0.449
0.464
0.478

44
0.203
0.217
0.231
0.245
0.259
0.273
0.287
0.302
0.316
0.330
0.345
0.359
0.374
0.389
0.403
0.418
0.433
0.448
0.463
0.478
0.493
0.508

15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
Elaborao: SPS/MPS.

45
0.210
0.224
0.239
0.253
0.268
0.282
0.297
0.312
0.327
0.342
0.357
0.372
0.387
0.402
0.417
0.432
0.448
0.463
0.478
0.494
0.509
0.525
0.541

46
0.216
0.231
0.246
0.261
0.276
0.291
0.306
0.322
0.337
0.352
0.368
0.383
0.399
0.414
0.430
0.446
0.462
0.477
0.493
0.509
0.525
0.541
0.557
0.574

47
0.224
0.239
0.255
0.270
0.286
0.302
0.317
0.333
0.349
0.365
0.381
0.397
0.413
0.429
0.445
0.461
0.478
0.494
0.511
0.527
0.544
0.560
0.577
0.594
0.611

48
0.231
0.247
0.263
0.279
0.295
0.311
0.328
0.344
0.360
0.377
0.393
0.410
0.426
0.443
0.460
0.477
0.493
0.510
0.527
0.544
0.561
0.579
0.596
0.613
0.630
0.648

49
0.239
0.255
0.272
0.288
0.305
0.322
0.339
0.355
0.372
0.389
0.406
0.423
0.441
0.458
0.475
0.492
0.510
0.527
0.545
0.562
0.580
0.598
0.616
0.633
0.651
0.669
0.687

50
0.248
0.265
0.282
0.299
0.317
0.334
0.351
0.369
0.386
0.404
0.422
0.439
0.457
0.475
0.493
0.511
0.529
0.547
0.565
0.583
0.602
0.620
0.639
0.657
0.676
0.694
0.713
0.732

51
0.257
0.274
0.292
0.310
0.328
0.346
0.364
0.382
0.400
0.418
0.436
0.455
0.473
0.491
0.510
0.529
0.547
0.566
0.585
0.604
0.623
0.642
0.661
0.680
0.699
0.718
0.738
0.757
0.777

52
0.266
0.284
0.302
0.321
0.339
0.358
0.377
0.395
0.414
0.433
0.452
0.471
0.490
0.509
0.528
0.547
0.567
0.586
0.606
0.625
0.645
0.665
0.684
0.704
0.724
0.744
0.764
0.784
0.804
0.825

53
0.276
0.295
0.314
0.333
0.352
0.371
0.390
0.410
0.429
0.449
0.468
0.488
0.508
0.528
0.547
0.567
0.587
0.608
0.628
0.648
0.668
0.689
0.709
0.730
0.750
0.771
0.792
0.813
0.834
0.854
0.876

54
0.286
0.306
0.325
0.345
0.365
0.385
0.405
0.425
0.445
0.466
0.486
0.506
0.527
0.547
0.568
0.589
0.609
0.630
0.651
0.672
0.693
0.714
0.736
0.757
0.778
0.800
0.821
0.843
0.865
0.886
0.908
0.930

55
0.297
0.317
0.338
0.358
0.379
0.400
0.421
0.441
0.462
0.483
0.505
0.526
0.547
0.568
0.590
0.611
0.633
0.654
0.676
0.698
0.720
0.742
0.764
0.786
0.808
0.830
0.853
0.875
0.898
0.920
0.943
0.965
0.988

56
0.307
0.329
0.350
0.371
0.392
0.414
0.435
0.457
0.479
0.500
0.522
0.544
0.566
0.588
0.610
0.633
0.655
0.677
0.700
0.722
0.745
0.768
0.790
0.813
0.836
0.859
0.882
0.906
0.929
0.952
0.976
0.999
1.023
1.046

57
0.320
0.342
0.364
0.386
0.408
0.431
0.453
0.475
0.498
0.521
0.543
0.566
0.589
0.612
0.635
0.658
0.681
0.705
0.728
0.751
0.775
0.799
0.822
0.846
0.870
0.894
0.918
0.942
0.966
0.990
1.015
1.039
1.064
1.088
1.113

58
0.333
0.356
0.379
0.402
0.425
0.448
0.472
0.495
0.519
0.542
0.566
0.590
0.613
0.637
0.661
0.685
0.710
0.734
0.758
0.783
0.807
0.832
0.856
0.881
0.906
0.931
0.956
0.981
1.006
1.031
1.057
1.082
1.108
1.133
1.159
1.185

59
0.346
0.370
0.394
0.417
0.441
0.466
0.490
0.514
0.538
0.563
0.587
0.612
0.637
0.662
0.686
0.711
0.737
0.762
0.787
0.812
0.838
0.863
0.889
0.914
0.940
0.966
0.992
1.018
1.044
1.070
1.097
1.123
1.150
1.176
1.203
1.229
1.256

60
0.359
0.384
0.409
0.434
0.459
0.484
0.509
0.534
0.559
0.585
0.610
0.636
0.662
0.687
0.713
0.739
0.765
0.791
0.818
0.844
0.870
0.897
0.923
0.950
0.977
1.004
1.031
1.058
1.085
1.112
1.139
1.167
1.194
1.222
1.249
1.277
1.305
1.333

61
0.376
0.402
0.427
0.453
0.480
0.506
0.532
0.558
0.585
0.611
0.638
0.665
0.692
0.718
0.745
0.773
0.800
0.827
0.854
0.882
0.910
0.937
0.965
0.993
1.021
1.049
1.077
1.105
1.134
1.162
1.191
1.219
1.248
1.277
1.306
1.335
1.364
1.393
1.422

62
0.391
0.418
0.445
0.472
0.499
0.527
0.554
0.581
0.609
0.637
0.664
0.692
0.720
0.748
0.776
0.805
0.833
0.861
0.890
0.918
0.947
0.976
1.005
1.034
1.063
1.092
1.121
1.151
1.180
1.210
1.240
1.269
1.299
1.329
1.359
1.390
1.420
1.450
1.481
1.511

63
0.408
0.436
0.464
0.493
0.521
0.549
0.578
0.606
0.635
0.664
0.693
0.722
0.751
0.780
0.810
0.839
0.868
0.898
0.928
0.958
0.988
1.018
1.048
1.078
1.108
1.139
1.169
1.200
1.231
1.261
1.292
1.323
1.355
1.386
1.417
1.449
1.480
1.512
1.543
1.575
1.607

64
0.424
0.453
0.482
0.511
0.541
0.570
0.600
0.630
0.660
0.689
0.719
0.750
0.780
0.810
0.841
0.871
0.902
0.933
0.963
0.994
1.025
1.057
1.088
1.119
1.151
1.182
1.214
1.246
1.278
1.310
1.342
1.374
1.406
1.439
1.471
1.504
1.537
1.569
1.602
1.635
1.669

65
0.443
0.474
0.504
0.535
0.565
0.596
0.627
0.658
0.689
0.721
0.752
0.784
0.815
0.847
0.879
0.911
0.943
0.975
1.007
1.039
1.072
1.104
1.137
1.170
1.203
1.236
1.269
1.302
1.335
1.369
1.402
1.436
1.470
1.504
1.538
1.572
1.606
1.640
1.675
1.709
1.744

66
0.464
0.496
0.528
0.560
0.592
0.624
0.657
0.689
0.722
0.755
0.787
0.820
0.853
0.887
0.920
0.953
0.987
1.021
1.054
1.088
1.122
1.156
1.190
1.225
1.259
1.294
1.328
1.363
1.398
1.433
1.468
1.503
1.539
1.574
1.610
1.645
1.681
1.717
1.753
1.789
1.825

67
0.484
0.517
0.550
0.584
0.617
0.651
0.685
0.718
0.752
0.787
0.821
0.855
0.890
0.924
0.959
0.994
1.029
1.064
1.099
1.134
1.169
1.205
1.241
1.276
1.312
1.348
1.384
1.421
1.457
1.493
1.530
1.567
1.603
1.640
1.677
1.714
1.752
1.789
1.827
1.864
1.902

68
0.508
0.543
0.578
0.613
0.648
0.684
0.719
0.755
0.790
0.826
0.862
0.898
0.934
0.971
1.007
1.044
1.080
1.117
1.154
1.191
1.228
1.265
1.303
1.340
1.378
1.416
1.454
1.492
1.530
1.568
1.606
1.645
1.684
1.722
1.761
1.800
1.839
1.878
1.918
1.957
1.997

69
0.531
0.568
0.604
0.641
0.678
0.715
0.752
0.789
0.826
0.864
0.901
0.939
0.977
1.015
1.053
1.091
1.129
1.168
1.206
1.245
1.284
1.323
1.362
1.401
1.440
1.480
1.519
1.559
1.599
1.639
1.679
1.719
1.760
1.800
1.841
1.881
1.922
1.963
2.004
2.046
2.087

70
0.556
0.594
0.633
0.671
0.710
0.748
0.787
0.826
0.865
0.904
0.944
0.983
1.023
1.062
1.102
1.142
1.182
1.222
1.263
1.303
1.344
1.385
1.426
1.467
1.508
1.549
1.591
1.632
1.674
1.716
1.758
1.800
1.842
1.884
1.927
1.969
2.012
2.055
2.098
2.141
2.184

FATOR PREVIDENCIRIO 2010 (TABELA IBGE 2008)


IDADE DA APOSENTADORIA

T
E
M
P
O
D
E
C
O
N
T
R
I
B
U
I

43
0.197
0.211
0.225
0.238
0.252
0.266
0.280
0.294
0.308
0.322
0.336
0.350
0.364
0.378
0.393
0.407
0.421
0.436
0.450
0.465
0.480

44
0.204
0.218
0.232
0.246
0.260
0.275
0.289
0.303
0.318
0.332
0.347
0.362
0.376
0.391
0.406
0.421
0.435
0.450
0.465
0.480
0.496
0.511

15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
Elaborao: SPS/MPS.

45
0.210
0.225
0.239
0.254
0.269
0.283
0.298
0.313
0.328
0.343
0.358
0.373
0.388
0.403
0.418
0.434
0.449
0.464
0.480
0.495
0.511
0.527
0.542

46
0.218
0.233
0.248
0.263
0.278
0.293
0.308
0.324
0.339
0.355
0.370
0.386
0.401
0.417
0.433
0.449
0.464
0.480
0.496
0.512
0.529
0.545
0.561
0.577

47
0.225
0.240
0.256
0.271
0.287
0.302
0.318
0.334
0.350
0.366
0.382
0.398
0.414
0.430
0.447
0.463
0.479
0.496
0.512
0.529
0.545
0.562
0.579
0.596
0.613

48
0.233
0.249
0.265
0.281
0.297
0.313
0.330
0.346
0.363
0.379
0.396
0.412
0.429
0.446
0.463
0.480
0.497
0.514
0.531
0.548
0.565
0.582
0.600
0.617
0.635
0.652

49
0.241
0.257
0.274
0.290
0.307
0.324
0.341
0.358
0.375
0.392
0.409
0.426
0.443
0.461
0.478
0.496
0.513
0.531
0.548
0.566
0.584
0.602
0.620
0.638
0.656
0.674
0.692

50
0.249
0.266
0.283
0.300
0.318
0.335
0.353
0.370
0.388
0.405
0.423
0.441
0.459
0.477
0.495
0.513
0.531
0.549
0.567
0.585
0.604
0.622
0.641
0.659
0.678
0.697
0.716
0.734

51
0.258
0.275
0.293
0.311
0.329
0.347
0.365
0.383
0.401
0.419
0.438
0.456
0.475
0.493
0.512
0.531
0.549
0.568
0.587
0.606
0.625
0.644
0.663
0.682
0.702
0.721
0.740
0.760
0.780

52
0.267
0.285
0.304
0.322
0.341
0.359
0.378
0.397
0.416
0.435
0.454
0.473
0.492
0.511
0.530
0.549
0.569
0.588
0.608
0.628
0.647
0.667
0.687
0.707
0.727
0.747
0.767
0.787
0.807
0.828

53
0.277
0.296
0.315
0.334
0.353
0.372
0.392
0.411
0.431
0.450
0.470
0.490
0.510
0.530
0.550
0.570
0.590
0.610
0.630
0.650
0.671
0.691
0.712
0.732
0.753
0.774
0.795
0.816
0.837
0.858
0.879

54
0.287
0.307
0.327
0.346
0.366
0.386
0.407
0.427
0.447
0.467
0.488
0.508
0.529
0.549
0.570
0.591
0.612
0.633
0.654
0.675
0.696
0.717
0.738
0.760
0.781
0.803
0.824
0.846
0.868
0.890
0.912
0.934

55
0.298
0.319
0.339
0.360
0.381
0.401
0.422
0.443
0.464
0.485
0.507
0.528
0.549
0.571
0.592
0.614
0.635
0.657
0.679
0.701
0.723
0.745
0.767
0.789
0.811
0.834
0.856
0.879
0.901
0.924
0.947
0.969
0.992

56
0.310
0.331
0.353
0.374
0.396
0.417
0.439
0.461
0.483
0.505
0.527
0.549
0.571
0.593
0.615
0.638
0.660
0.683
0.706
0.728
0.751
0.774
0.797
0.820
0.843
0.866
0.890
0.913
0.937
0.960
0.984
1.007
1.031
1.055

57
0.321
0.343
0.365
0.388
0.410
0.432
0.455
0.477
0.500
0.523
0.546
0.569
0.592
0.615
0.638
0.661
0.684
0.708
0.731
0.755
0.778
0.802
0.826
0.850
0.874
0.898
0.922
0.946
0.970
0.995
1.019
1.044
1.068
1.093
1.118

58
0.335
0.358
0.381
0.404
0.427
0.450
0.474
0.497
0.521
0.545
0.568
0.592
0.616
0.640
0.664
0.688
0.713
0.737
0.762
0.786
0.811
0.835
0.860
0.885
0.910
0.935
0.960
0.985
1.011
1.036
1.061
1.087
1.113
1.138
1.164
1.190

59
0.347
0.371
0.395
0.419
0.443
0.468
0.492
0.516
0.541
0.565
0.590
0.615
0.640
0.665
0.690
0.715
0.740
0.765
0.791
0.816
0.841
0.867
0.893
0.919
0.945
0.970
0.997
1.023
1.049
1.075
1.102
1.128
1.155
1.181
1.208
1.235
1.262

60
0.361
0.386
0.411
0.436
0.461
0.486
0.511
0.537
0.562
0.588
0.613
0.639
0.665
0.691
0.717
0.743
0.769
0.795
0.821
0.848
0.874
0.901
0.928
0.955
0.981
1.008
1.035
1.063
1.090
1.117
1.145
1.172
1.200
1.227
1.255
1.283
1.311
1.339

61
0.378
0.404
0.430
0.456
0.482
0.508
0.535
0.561
0.588
0.614
0.641
0.668
0.695
0.722
0.749
0.776
0.804
0.831
0.859
0.886
0.914
0.942
0.970
0.998
1.026
1.054
1.082
1.111
1.139
1.168
1.196
1.225
1.254
1.283
1.312
1.341
1.370
1.400
1.429

62
0.393
0.420
0.447
0.475
0.502
0.529
0.557
0.584
0.612
0.640
0.668
0.696
0.724
0.752
0.780
0.809
0.837
0.866
0.894
0.923
0.952
0.981
1.010
1.039
1.068
1.098
1.127
1.157
1.186
1.216
1.246
1.276
1.306
1.336
1.366
1.397
1.427
1.458
1.488
1.519

63
0.410
0.438
0.467
0.495
0.524
0.552
0.581
0.610
0.638
0.667
0.696
0.726
0.755
0.784
0.814
0.843
0.873
0.903
0.933
0.963
0.993
1.023
1.053
1.084
1.114
1.145
1.175
1.206
1.237
1.268
1.299
1.330
1.362
1.393
1.425
1.456
1.488
1.520
1.552
1.584
1.616

64
0.426
0.455
0.485
0.514
0.544
0.574
0.603
0.633
0.663
0.693
0.723
0.754
0.784
0.815
0.845
0.876
0.907
0.938
0.969
1.000
1.031
1.062
1.094
1.125
1.157
1.189
1.221
1.253
1.285
1.317
1.349
1.382
1.414
1.447
1.479
1.512
1.545
1.578
1.611
1.644
1.678

65
0.446
0.476
0.507
0.538
0.569
0.600
0.631
0.662
0.693
0.725
0.756
0.788
0.820
0.852
0.884
0.916
0.948
0.980
1.013
1.045
1.078
1.111
1.144
1.177
1.210
1.243
1.276
1.310
1.343
1.377
1.410
1.444
1.478
1.512
1.546
1.581
1.615
1.650
1.684
1.719
1.754

66
0.467
0.499
0.531
0.563
0.596
0.628
0.661
0.693
0.726
0.759
0.792
0.825
0.859
0.892
0.925
0.959
0.993
1.027
1.060
1.095
1.129
1.163
1.197
1.232
1.267
1.301
1.336
1.371
1.406
1.441
1.477
1.512
1.548
1.583
1.619
1.655
1.691
1.727
1.763
1.799
1.836

67
0.487
0.520
0.554
0.587
0.621
0.655
0.689
0.723
0.757
0.791
0.826
0.860
0.895
0.930
0.965
1.000
1.035
1.070
1.106
1.141
1.177
1.212
1.248
1.284
1.320
1.356
1.393
1.429
1.466
1.502
1.539
1.576
1.613
1.650
1.687
1.725
1.762
1.800
1.838
1.875
1.913

68
0.511
0.546
0.582
0.617
0.652
0.688
0.724
0.759
0.795
0.831
0.868
0.904
0.940
0.977
1.013
1.050
1.087
1.124
1.161
1.199
1.236
1.274
1.311
1.349
1.387
1.425
1.463
1.501
1.540
1.578
1.617
1.655
1.694
1.733
1.772
1.812
1.851
1.890
1.930
1.970
2.010

69
0.535
0.571
0.608
0.645
0.682
0.719
0.757
0.794
0.832
0.869
0.907
0.945
0.983
1.021
1.060
1.098
1.137
1.175
1.214
1.253
1.292
1.332
1.371
1.410
1.450
1.490
1.529
1.569
1.610
1.650
1.690
1.731
1.771
1.812
1.853
1.894
1.935
1.976
2.018
2.059
2.101

70
0.560
0.598
0.637
0.676
0.714
0.753
0.792
0.832
0.871
0.910
0.950
0.990
1.030
1.070
1.110
1.150
1.190
1.231
1.272
1.312
1.353
1.394
1.435
1.477
1.518
1.560
1.602
1.643
1.685
1.727
1.770
1.812
1.855
1.897
1.940
1.983
2.026
2.069
2.112
2.156
2.199

FATOR PREVIDENCIRIO 2009 (TABELA IBGE 2007)


IDADE DA APOSENTADORIA

T
E
M
P
O
D
E
C
O
N
T
R
I
B
U
I

43
0.199
0.213
0.226
0.240
0.254
0.268
0.282
0.296
0.310
0.324
0.339
0.353
0.367
0.382
0.396
0.411
0.425
0.440
0.454
0.469
0.484

44
0.206
0.220
0.234
0.248
0.263
0.277
0.292
0.306
0.321
0.335
0.350
0.365
0.380
0.394
0.409
0.424
0.439
0.454
0.470
0.485
0.500
0.515

15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
Elaborao: SPS/MPS.

45
0.212
0.227
0.241
0.256
0.271
0.286
0.301
0.316
0.331
0.346
0.361
0.376
0.391
0.407
0.422
0.437
0.453
0.469
0.484
0.500
0.516
0.531
0.547

46
0.220
0.235
0.250
0.265
0.280
0.296
0.311
0.327
0.342
0.358
0.374
0.389
0.405
0.421
0.437
0.453
0.469
0.485
0.501
0.517
0.533
0.550
0.566
0.583

47
0.227
0.242
0.258
0.274
0.290
0.305
0.321
0.337
0.353
0.369
0.386
0.402
0.418
0.435
0.451
0.467
0.484
0.501
0.517
0.534
0.551
0.568
0.584
0.601
0.618

48
0.234
0.250
0.267
0.283
0.299
0.316
0.332
0.348
0.365
0.382
0.398
0.415
0.432
0.449
0.466
0.483
0.500
0.517
0.534
0.551
0.569
0.586
0.604
0.621
0.639
0.656

49
0.243
0.260
0.277
0.293
0.310
0.327
0.344
0.361
0.379
0.396
0.413
0.431
0.448
0.466
0.483
0.501
0.518
0.536
0.554
0.572
0.590
0.608
0.626
0.644
0.662
0.681
0.699

50
0.251
0.269
0.286
0.304
0.321
0.339
0.356
0.374
0.392
0.410
0.427
0.445
0.463
0.482
0.500
0.518
0.536
0.555
0.573
0.592
0.610
0.629
0.648
0.666
0.685
0.704
0.723
0.742

51
0.260
0.278
0.296
0.314
0.332
0.351
0.369
0.387
0.406
0.424
0.443
0.461
0.480
0.499
0.517
0.536
0.555
0.574
0.593
0.612
0.632
0.651
0.670
0.690
0.709
0.729
0.748
0.768
0.788

52
0.270
0.288
0.307
0.326
0.344
0.363
0.382
0.401
0.420
0.439
0.459
0.478
0.497
0.517
0.536
0.556
0.575
0.595
0.615
0.635
0.654
0.674
0.694
0.715
0.735
0.755
0.775
0.796
0.816
0.837

53
0.280
0.299
0.318
0.338
0.357
0.377
0.396
0.416
0.436
0.456
0.476
0.495
0.516
0.536
0.556
0.576
0.596
0.617
0.637
0.658
0.679
0.699
0.720
0.741
0.762
0.783
0.804
0.825
0.846
0.868
0.889

54
0.290
0.310
0.330
0.351
0.371
0.391
0.411
0.432
0.452
0.473
0.494
0.514
0.535
0.556
0.577
0.598
0.619
0.640
0.661
0.683
0.704
0.726
0.747
0.769
0.791
0.812
0.834
0.856
0.878
0.900
0.922
0.945

55
0.301
0.321
0.342
0.363
0.384
0.405
0.426
0.447
0.468
0.489
0.511
0.532
0.554
0.575
0.597
0.619
0.640
0.662
0.684
0.706
0.729
0.751
0.773
0.795
0.818
0.840
0.863
0.886
0.908
0.931
0.954
0.977
1.000

56
0.313
0.334
0.356
0.377
0.399
0.421
0.443
0.465
0.487
0.509
0.531
0.553
0.576
0.598
0.621
0.643
0.666
0.689
0.712
0.734
0.757
0.781
0.804
0.827
0.850
0.874
0.897
0.921
0.944
0.968
0.992
1.016
1.040
1.064

57
0.325
0.348
0.370
0.393
0.415
0.438
0.461
0.484
0.507
0.530
0.553
0.576
0.599
0.623
0.646
0.670
0.693
0.717
0.741
0.764
0.788
0.812
0.837
0.861
0.885
0.909
0.934
0.958
0.983
1.008
1.032
1.057
1.082
1.107
1.132

58
0.338
0.361
0.384
0.407
0.431
0.454
0.478
0.502
0.526
0.549
0.573
0.598
0.622
0.646
0.670
0.695
0.719
0.744
0.768
0.793
0.818
0.843
0.868
0.893
0.918
0.943
0.969
0.994
1.020
1.045
1.071
1.097
1.122
1.148
1.174
1.201

59
0.351
0.375
0.399
0.423
0.448
0.472
0.497
0.521
0.546
0.571
0.596
0.621
0.646
0.671
0.696
0.721
0.747
0.772
0.798
0.823
0.849
0.875
0.901
0.927
0.953
0.979
1.006
1.032
1.059
1.085
1.112
1.139
1.165
1.192
1.219
1.246
1.274

60
0.366
0.391
0.417
0.442
0.468
0.493
0.519
0.544
0.570
0.596
0.622
0.648
0.674
0.701
0.727
0.753
0.780
0.807
0.833
0.860
0.887
0.914
0.941
0.968
0.995
1.023
1.050
1.078
1.105
1.133
1.161
1.189
1.217
1.245
1.273
1.302
1.330
1.358

61
0.381
0.408
0.434
0.460
0.487
0.513
0.540
0.567
0.593
0.620
0.647
0.675
0.702
0.729
0.757
0.784
0.812
0.839
0.867
0.895
0.923
0.951
0.979
1.008
1.036
1.064
1.093
1.122
1.150
1.179
1.208
1.237
1.266
1.296
1.325
1.354
1.384
1.413
1.443

62
0.397
0.425
0.452
0.480
0.507
0.535
0.563
0.590
0.618
0.646
0.675
0.703
0.731
0.760
0.788
0.817
0.846
0.875
0.904
0.933
0.962
0.991
1.020
1.050
1.079
1.109
1.139
1.169
1.199
1.229
1.259
1.289
1.319
1.350
1.380
1.411
1.442
1.472
1.503
1.534

63
0.415
0.443
0.472
0.500
0.529
0.558
0.587
0.616
0.645
0.675
0.704
0.733
0.763
0.793
0.822
0.852
0.882
0.912
0.943
0.973
1.003
1.034
1.064
1.095
1.126
1.157
1.188
1.219
1.250
1.282
1.313
1.345
1.376
1.408
1.440
1.472
1.504
1.536
1.568
1.600
1.633

64
0.431
0.460
0.490
0.520
0.550
0.580
0.610
0.640
0.670
0.701
0.731
0.762
0.793
0.824
0.854
0.886
0.917
0.948
0.979
1.011
1.042
1.074
1.106
1.138
1.170
1.202
1.234
1.266
1.299
1.331
1.364
1.397
1.430
1.462
1.496
1.529
1.562
1.595
1.629
1.662
1.696

65
0.451
0.482
0.513
0.544
0.575
0.607
0.638
0.670
0.701
0.733
0.765
0.797
0.829
0.861
0.894
0.926
0.959
0.992
1.024
1.057
1.090
1.123
1.157
1.190
1.223
1.257
1.291
1.324
1.358
1.392
1.426
1.461
1.495
1.529
1.564
1.599
1.633
1.668
1.703
1.738
1.774

66
0.472
0.505
0.537
0.570
0.603
0.636
0.668
0.702
0.735
0.768
0.802
0.835
0.869
0.903
0.936
0.970
1.005
1.039
1.073
1.108
1.142
1.177
1.212
1.247
1.282
1.317
1.352
1.387
1.423
1.459
1.494
1.530
1.566
1.602
1.638
1.675
1.711
1.747
1.784
1.821
1.858

67
0.493
0.526
0.560
0.594
0.629
0.663
0.697
0.732
0.766
0.801
0.836
0.871
0.906
0.941
0.977
1.012
1.048
1.083
1.119
1.155
1.191
1.227
1.264
1.300
1.337
1.373
1.410
1.447
1.484
1.521
1.558
1.596
1.633
1.671
1.708
1.746
1.784
1.822
1.860
1.899
1.937

68
0.515
0.550
0.585
0.621
0.657
0.692
0.728
0.764
0.800
0.837
0.873
0.910
0.946
0.983
1.020
1.057
1.094
1.131
1.169
1.206
1.244
1.282
1.320
1.358
1.396
1.434
1.472
1.511
1.549
1.588
1.627
1.666
1.705
1.744
1.784
1.823
1.863
1.903
1.942
1.982
2.023

69
0.542
0.579
0.616
0.654
0.691
0.729
0.767
0.805
0.843
0.881
0.919
0.958
0.996
1.035
1.074
1.113
1.152
1.191
1.231
1.270
1.310
1.349
1.389
1.429
1.469
1.510
1.550
1.591
1.631
1.672
1.713
1.754
1.795
1.836
1.878
1.919
1.961
2.003
2.045
2.087
2.129

70
0.564
0.603
0.641
0.680
0.719
0.759
0.798
0.837
0.877
0.917
0.957
0.997
1.037
1.077
1.117
1.158
1.199
1.239
1.280
1.321
1.363
1.404
1.445
1.487
1.529
1.571
1.613
1.655
1.697
1.739
1.782
1.825
1.867
1.910
1.953
1.997
2.040
2.084
2.127
2.171
2.215

FATOR PREVIDENCIRIO 2008 (TABELA IBGE 2006)


IDADE DA APOSENTADORIA

T
E
M
P
O
D
E
C
O
N
T
R
I
B
U
I

43
0.199
0.213
0.226
0.240
0.254
0.268
0.282
0.296
0.310
0.324
0.339
0.353
0.367
0.382
0.396
0.411
0.425
0.440
0.454
0.469
0.484

44
0.206
0.220
0.234
0.248
0.263
0.277
0.292
0.306
0.321
0.335
0.350
0.365
0.380
0.394
0.409
0.424
0.439
0.454
0.470
0.485
0.500
0.515

15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
Elaborao: SPS/MPS.

45
0.212
0.227
0.241
0.256
0.271
0.286
0.301
0.316
0.331
0.346
0.361
0.376
0.391
0.407
0.422
0.437
0.453
0.469
0.484
0.500
0.516
0.531
0.547

46
0.220
0.235
0.250
0.265
0.280
0.296
0.311
0.327
0.342
0.358
0.374
0.389
0.405
0.421
0.437
0.453
0.469
0.485
0.501
0.517
0.533
0.550
0.566
0.583

47
0.227
0.242
0.258
0.274
0.290
0.305
0.321
0.337
0.353
0.369
0.386
0.402
0.418
0.435
0.451
0.467
0.484
0.501
0.517
0.534
0.551
0.568
0.584
0.601
0.618

48
0.234
0.250
0.267
0.283
0.299
0.316
0.332
0.348
0.365
0.382
0.398
0.415
0.432
0.449
0.466
0.483
0.500
0.517
0.534
0.551
0.569
0.586
0.604
0.621
0.639
0.656

49
0.243
0.260
0.277
0.293
0.310
0.327
0.344
0.361
0.379
0.396
0.413
0.431
0.448
0.466
0.483
0.501
0.518
0.536
0.554
0.572
0.590
0.608
0.626
0.644
0.662
0.681
0.699

50
0.251
0.269
0.286
0.304
0.321
0.339
0.356
0.374
0.392
0.410
0.427
0.445
0.463
0.482
0.500
0.518
0.536
0.555
0.573
0.592
0.610
0.629
0.648
0.666
0.685
0.704
0.723
0.742

51
0.260
0.278
0.296
0.314
0.332
0.351
0.369
0.387
0.406
0.424
0.443
0.461
0.480
0.499
0.517
0.536
0.555
0.574
0.593
0.612
0.632
0.651
0.670
0.690
0.709
0.729
0.748
0.768
0.788

52
0.270
0.288
0.307
0.326
0.344
0.363
0.382
0.401
0.420
0.439
0.459
0.478
0.497
0.517
0.536
0.556
0.575
0.595
0.615
0.635
0.654
0.674
0.694
0.715
0.735
0.755
0.775
0.796
0.816
0.837

53
0.280
0.299
0.318
0.338
0.357
0.377
0.396
0.416
0.436
0.456
0.476
0.495
0.516
0.536
0.556
0.576
0.596
0.617
0.637
0.658
0.679
0.699
0.720
0.741
0.762
0.783
0.804
0.825
0.846
0.868
0.889

54
0.290
0.310
0.330
0.351
0.371
0.391
0.411
0.432
0.452
0.473
0.494
0.514
0.535
0.556
0.577
0.598
0.619
0.640
0.661
0.683
0.704
0.726
0.747
0.769
0.791
0.812
0.834
0.856
0.878
0.900
0.922
0.945

55
0.301
0.321
0.342
0.363
0.384
0.405
0.426
0.447
0.468
0.489
0.511
0.532
0.554
0.575
0.597
0.619
0.640
0.662
0.684
0.706
0.729
0.751
0.773
0.795
0.818
0.840
0.863
0.886
0.908
0.931
0.954
0.977
1.000

56
0.313
0.334
0.356
0.377
0.399
0.421
0.443
0.465
0.487
0.509
0.531
0.553
0.576
0.598
0.621
0.643
0.666
0.689
0.712
0.734
0.757
0.781
0.804
0.827
0.850
0.874
0.897
0.921
0.944
0.968
0.992
1.016
1.040
1.064

57
0.325
0.348
0.370
0.393
0.415
0.438
0.461
0.484
0.507
0.530
0.553
0.576
0.599
0.623
0.646
0.670
0.693
0.717
0.741
0.764
0.788
0.812
0.837
0.861
0.885
0.909
0.934
0.958
0.983
1.008
1.032
1.057
1.082
1.107
1.132

58
0.338
0.361
0.384
0.407
0.431
0.454
0.478
0.502
0.526
0.549
0.573
0.598
0.622
0.646
0.670
0.695
0.719
0.744
0.768
0.793
0.818
0.843
0.868
0.893
0.918
0.943
0.969
0.994
1.020
1.045
1.071
1.097
1.122
1.148
1.174
1.201

59
0.351
0.375
0.399
0.423
0.448
0.472
0.497
0.521
0.546
0.571
0.596
0.621
0.646
0.671
0.696
0.721
0.747
0.772
0.798
0.823
0.849
0.875
0.901
0.927
0.953
0.979
1.006
1.032
1.059
1.085
1.112
1.139
1.165
1.192
1.219
1.246
1.274

60
0.366
0.391
0.417
0.442
0.468
0.493
0.519
0.544
0.570
0.596
0.622
0.648
0.674
0.701
0.727
0.753
0.780
0.807
0.833
0.860
0.887
0.914
0.941
0.968
0.995
1.023
1.050
1.078
1.105
1.133
1.161
1.189
1.217
1.245
1.273
1.302
1.330
1.358

61
0.381
0.408
0.434
0.460
0.487
0.513
0.540
0.567
0.593
0.620
0.647
0.675
0.702
0.729
0.757
0.784
0.812
0.839
0.867
0.895
0.923
0.951
0.979
1.008
1.036
1.064
1.093
1.122
1.150
1.179
1.208
1.237
1.266
1.296
1.325
1.354
1.384
1.413
1.443

62
0.397
0.425
0.452
0.480
0.507
0.535
0.563
0.590
0.618
0.646
0.675
0.703
0.731
0.760
0.788
0.817
0.846
0.875
0.904
0.933
0.962
0.991
1.020
1.050
1.079
1.109
1.139
1.169
1.199
1.229
1.259
1.289
1.319
1.350
1.380
1.411
1.442
1.472
1.503
1.534

63
0.415
0.443
0.472
0.500
0.529
0.558
0.587
0.616
0.645
0.675
0.704
0.733
0.763
0.793
0.822
0.852
0.882
0.912
0.943
0.973
1.003
1.034
1.064
1.095
1.126
1.157
1.188
1.219
1.250
1.282
1.313
1.345
1.376
1.408
1.440
1.472
1.504
1.536
1.568
1.600
1.633

64
0.431
0.460
0.490
0.520
0.550
0.580
0.610
0.640
0.670
0.701
0.731
0.762
0.793
0.824
0.854
0.886
0.917
0.948
0.979
1.011
1.042
1.074
1.106
1.138
1.170
1.202
1.234
1.266
1.299
1.331
1.364
1.397
1.430
1.462
1.496
1.529
1.562
1.595
1.629
1.662
1.696

65
0.451
0.482
0.513
0.544
0.575
0.607
0.638
0.670
0.701
0.733
0.765
0.797
0.829
0.861
0.894
0.926
0.959
0.992
1.024
1.057
1.090
1.123
1.157
1.190
1.223
1.257
1.291
1.324
1.358
1.392
1.426
1.461
1.495
1.529
1.564
1.599
1.633
1.668
1.703
1.738
1.774

66
0.472
0.505
0.537
0.570
0.603
0.636
0.668
0.702
0.735
0.768
0.802
0.835
0.869
0.903
0.936
0.970
1.005
1.039
1.073
1.108
1.142
1.177
1.212
1.247
1.282
1.317
1.352
1.387
1.423
1.459
1.494
1.530
1.566
1.602
1.638
1.675
1.711
1.747
1.784
1.821
1.858

67
0.493
0.526
0.560
0.594
0.629
0.663
0.697
0.732
0.766
0.801
0.836
0.871
0.906
0.941
0.977
1.012
1.048
1.083
1.119
1.155
1.191
1.227
1.264
1.300
1.337
1.373
1.410
1.447
1.484
1.521
1.558
1.596
1.633
1.671
1.708
1.746
1.784
1.822
1.860
1.899
1.937

68
0.515
0.550
0.585
0.621
0.657
0.692
0.728
0.764
0.800
0.837
0.873
0.910
0.946
0.983
1.020
1.057
1.094
1.131
1.169
1.206
1.244
1.282
1.320
1.358
1.396
1.434
1.472
1.511
1.549
1.588
1.627
1.666
1.705
1.744
1.784
1.823
1.863
1.903
1.942
1.982
2.023

69
0.542
0.579
0.616
0.654
0.691
0.729
0.767
0.805
0.843
0.881
0.919
0.958
0.996
1.035
1.074
1.113
1.152
1.191
1.231
1.270
1.310
1.349
1.389
1.429
1.469
1.510
1.550
1.591
1.631
1.672
1.713
1.754
1.795
1.836
1.878
1.919
1.961
2.003
2.045
2.087
2.129

70
0.564
0.603
0.641
0.680
0.719
0.759
0.798
0.837
0.877
0.917
0.957
0.997
1.037
1.077
1.117
1.158
1.199
1.239
1.280
1.321
1.363
1.404
1.445
1.487
1.529
1.571
1.613
1.655
1.697
1.739
1.782
1.825
1.867
1.910
1.953
1.997
2.040
2.084
2.127
2.171
2.215

FATOR PREVIDENCIRIO 2007 (TABELA IBGE 2005)


IDADE DA APOSENTADORIA

T
E
M
P
O
D
E
C
O
N
T
R
I
B
U
I

43
0.200
0.214
0.228
0.242
0.256
0.270
0.284
0.298
0.312
0.326
0.341
0.355
0.369
0.384
0.398
0.413
0.428
0.442
0.457
0.472
0.487

44
0.207
0.221
0.236
0.250
0.264
0.279
0.293
0.308
0.323
0.337
0.352
0.367
0.382
0.397
0.412
0.427
0.442
0.457
0.472
0.488
0.503
0.518

15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
Elaborao: MPS/SPS.

45
0.213
0.228
0.243
0.258
0.273
0.288
0.303
0.318
0.333
0.348
0.363
0.378
0.394
0.409
0.425
0.440
0.456
0.471
0.487
0.503
0.519
0.535
0.551

46
0.220
0.235
0.251
0.266
0.281
0.297
0.312
0.328
0.343
0.359
0.375
0.390
0.406
0.422
0.438
0.454
0.470
0.486
0.503
0.519
0.535
0.552
0.568
0.584

47
0.228
0.244
0.260
0.276
0.291
0.307
0.323
0.339
0.356
0.372
0.388
0.404
0.421
0.437
0.454
0.470
0.487
0.504
0.521
0.537
0.554
0.571
0.588
0.605
0.622

48
0.236
0.252
0.268
0.285
0.301
0.318
0.334
0.351
0.367
0.384
0.401
0.418
0.435
0.452
0.469
0.486
0.503
0.520
0.538
0.555
0.573
0.590
0.608
0.625
0.643
0.661

49
0.244
0.261
0.277
0.294
0.311
0.328
0.346
0.363
0.380
0.397
0.415
0.432
0.450
0.467
0.485
0.502
0.520
0.538
0.556
0.574
0.592
0.610
0.628
0.646
0.665
0.683
0.701

50
0.252
0.270
0.287
0.305
0.322
0.340
0.358
0.375
0.393
0.411
0.429
0.447
0.465
0.483
0.502
0.520
0.538
0.557
0.575
0.594
0.612
0.631
0.650
0.669
0.688
0.707
0.726
0.745

51
0.261
0.279
0.297
0.315
0.334
0.352
0.370
0.389
0.407
0.426
0.444
0.463
0.482
0.500
0.519
0.538
0.557
0.576
0.595
0.615
0.634
0.653
0.673
0.692
0.712
0.731
0.751
0.771
0.791

52
0.271
0.289
0.308
0.327
0.346
0.365
0.384
0.403
0.422
0.441
0.460
0.480
0.499
0.518
0.538
0.558
0.577
0.597
0.617
0.637
0.657
0.677
0.697
0.717
0.737
0.758
0.778
0.799
0.819
0.840

53
0.281
0.300
0.320
0.339
0.359
0.378
0.398
0.418
0.437
0.457
0.477
0.497
0.517
0.538
0.558
0.578
0.599
0.619
0.640
0.660
0.681
0.702
0.723
0.744
0.765
0.786
0.807
0.828
0.849
0.871
0.892

54
0.292
0.312
0.332
0.352
0.372
0.393
0.413
0.434
0.454
0.475
0.495
0.516
0.537
0.558
0.579
0.600
0.621
0.643
0.664
0.685
0.707
0.729
0.750
0.772
0.794
0.816
0.838
0.860
0.882
0.904
0.926
0.948

55
0.303
0.324
0.345
0.366
0.387
0.408
0.429
0.450
0.472
0.493
0.515
0.536
0.558
0.580
0.602
0.624
0.646
0.668
0.690
0.712
0.734
0.757
0.779
0.802
0.825
0.847
0.870
0.893
0.916
0.939
0.962
0.985
1.008

56
0.314
0.335
0.357
0.379
0.401
0.423
0.445
0.467
0.489
0.511
0.533
0.556
0.578
0.601
0.623
0.646
0.669
0.692
0.715
0.738
0.761
0.784
0.807
0.830
0.854
0.877
0.901
0.925
0.948
0.972
0.996
1.020
1.044
1.068

57
0.327
0.349
0.372
0.394
0.417
0.440
0.463
0.486
0.509
0.532
0.555
0.578
0.602
0.625
0.649
0.672
0.696
0.720
0.744
0.768
0.792
0.816
0.840
0.864
0.889
0.913
0.938
0.962
0.987
1.012
1.037
1.062
1.087
1.112
1.137

58
0.339
0.362
0.386
0.409
0.433
0.457
0.480
0.504
0.528
0.552
0.576
0.600
0.624
0.649
0.673
0.698
0.722
0.747
0.772
0.797
0.822
0.847
0.872
0.897
0.922
0.948
0.973
0.999
1.024
1.050
1.076
1.102
1.128
1.154
1.180
1.206

59
0.354
0.378
0.403
0.427
0.452
0.476
0.501
0.526
0.551
0.576
0.601
0.626
0.652
0.677
0.702
0.728
0.754
0.779
0.805
0.831
0.857
0.883
0.909
0.936
0.962
0.989
1.015
1.042
1.068
1.095
1.122
1.149
1.176
1.203
1.231
1.258
1.285

60
0.368
0.393
0.419
0.444
0.470
0.495
0.521
0.547
0.573
0.599
0.625
0.651
0.678
0.704
0.730
0.757
0.784
0.810
0.837
0.864
0.891
0.918
0.946
0.973
1.000
1.028
1.055
1.083
1.111
1.139
1.167
1.195
1.223
1.251
1.279
1.308
1.336
1.365

61
0.383
0.410
0.436
0.462
0.489
0.516
0.543
0.569
0.596
0.623
0.651
0.678
0.705
0.733
0.760
0.788
0.816
0.844
0.871
0.900
0.928
0.956
0.984
1.013
1.041
1.070
1.098
1.127
1.156
1.185
1.214
1.243
1.273
1.302
1.332
1.361
1.391
1.420
1.450

62
0.399
0.427
0.454
0.482
0.510
0.538
0.565
0.593
0.622
0.650
0.678
0.707
0.735
0.764
0.792
0.821
0.850
0.879
0.908
0.937
0.967
0.996
1.026
1.055
1.085
1.115
1.145
1.175
1.205
1.235
1.265
1.296
1.326
1.357
1.387
1.418
1.449
1.480
1.511
1.542

63
0.417
0.445
0.474
0.503
0.532
0.561
0.590
0.619
0.649
0.678
0.708
0.737
0.767
0.797
0.827
0.857
0.887
0.917
0.948
0.978
1.009
1.039
1.070
1.101
1.132
1.163
1.194
1.226
1.257
1.288
1.320
1.352
1.384
1.415
1.447
1.480
1.512
1.544
1.576
1.609
1.642

64
0.433
0.463
0.493
0.523
0.553
0.583
0.613
0.644
0.674
0.705
0.735
0.766
0.797
0.828
0.859
0.890
0.922
0.953
0.985
1.016
1.048
1.080
1.112
1.144
1.176
1.208
1.241
1.273
1.306
1.339
1.371
1.404
1.437
1.471
1.504
1.537
1.571
1.604
1.638
1.672
1.705

65
0.453
0.484
0.516
0.547
0.578
0.610
0.642
0.673
0.705
0.737
0.769
0.802
0.834
0.866
0.899
0.932
0.964
0.997
1.030
1.063
1.097
1.130
1.163
1.197
1.230
1.264
1.298
1.332
1.366
1.400
1.435
1.469
1.504
1.538
1.573
1.608
1.643
1.678
1.713
1.748
1.784

66
0.475
0.508
0.540
0.573
0.606
0.639
0.672
0.706
0.739
0.773
0.806
0.840
0.874
0.908
0.942
0.976
1.011
1.045
1.080
1.114
1.149
1.184
1.219
1.254
1.289
1.325
1.360
1.396
1.431
1.467
1.503
1.539
1.575
1.612
1.648
1.685
1.721
1.758
1.795
1.832
1.869

67
0.496
0.530
0.564
0.598
0.632
0.667
0.702
0.736
0.771
0.806
0.841
0.876
0.912
0.947
0.983
1.018
1.054
1.090
1.126
1.162
1.199
1.235
1.271
1.308
1.345
1.382
1.419
1.456
1.493
1.530
1.568
1.605
1.643
1.681
1.719
1.757
1.795
1.833
1.872
1.910
1.949

68
0.518
0.553
0.589
0.625
0.661
0.697
0.733
0.769
0.806
0.842
0.879
0.916
0.952
0.989
1.027
1.064
1.101
1.139
1.176
1.214
1.252
1.290
1.328
1.366
1.405
1.443
1.482
1.521
1.559
1.598
1.638
1.677
1.716
1.756
1.795
1.835
1.875
1.915
1.955
1.995
2.036

69
0.542
0.579
0.616
0.654
0.691
0.729
0.767
0.805
0.843
0.881
0.919
0.958
0.996
1.035
1.074
1.113
1.152
1.191
1.231
1.270
1.310
1.349
1.389
1.429
1.469
1.510
1.550
1.591
1.631
1.672
1.713
1.754
1.795
1.836
1.878
1.919
1.961
2.003
2.045
2.087
2.129

70
0.568
0.607
0.646
0.685
0.724
0.764
0.804
0.843
0.883
0.923
0.963
1.004
1.044
1.085
1.125
1.166
1.207
1.248
1.289
1.331
1.372
1.414
1.456
1.497
1.539
1.582
1.624
1.666
1.709
1.752
1.794
1.837
1.881
1.924
1.967
2.011
2.054
2.098
2.142
2.186
2.230

FATOR PREVIDENCIRIO 2006 (TABELA IBGE 2004)


IDADE DA APOSENTADORIA

T
E
M
P
O
D
E
C
O
N
T
R
I
B
U
I

15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55

43
0.201
0.215
0.229
0.243
0.257
0.271
0.285
0.300
0.314
0.328
0.343
0.357
0.372
0.386
0.401
0.415
0.430
0.445
0.460
0.475
0.490

44
0.208
0.222
0.236
0.251
0.265
0.280
0.294
0.309
0.324
0.338
0.353
0.368
0.383
0.398
0.413
0.428
0.443
0.459
0.474
0.489
0.505
0.520

45
0.215
0.230
0.244
0.259
0.274
0.289
0.304
0.320
0.335
0.350
0.365
0.381
0.396
0.412
0.427
0.443
0.459
0.474
0.490
0.506
0.522
0.538
0.554

46
0.222
0.237
0.252
0.268
0.283
0.299
0.314
0.330
0.346
0.361
0.377
0.393
0.409
0.425
0.441
0.457
0.473
0.489
0.506
0.522
0.539
0.555
0.572
0.588

47
0.229
0.245
0.261
0.276
0.292
0.308
0.324
0.341
0.357
0.373
0.389
0.406
0.422
0.439
0.455
0.472
0.489
0.505
0.522
0.539
0.556
0.573
0.590
0.607
0.624

48
0.237
0.253
0.269
0.286
0.302
0.319
0.335
0.352
0.369
0.385
0.402
0.419
0.436
0.453
0.470
0.488
0.505
0.522
0.540
0.557
0.575
0.592
0.610
0.627
0.645
0.663

49
0.245
0.262
0.278
0.295
0.312
0.330
0.347
0.364
0.381
0.399
0.416
0.434
0.451
0.469
0.486
0.504
0.522
0.540
0.558
0.576
0.594
0.612
0.630
0.649
0.667
0.685
0.704

50
0.254
0.272
0.289
0.307
0.324
0.342
0.360
0.378
0.396
0.414
0.432
0.450
0.468
0.487
0.505
0.523
0.542
0.561
0.579
0.598
0.617
0.636
0.654
0.673
0.692
0.712
0.731
0.750

51
0.263
0.281
0.299
0.318
0.336
0.354
0.373
0.391
0.410
0.429
0.447
0.466
0.485
0.504
0.523
0.542
0.561
0.580
0.600
0.619
0.639
0.658
0.678
0.697
0.717
0.737
0.757
0.777
0.797

52
0.273
0.292
0.310
0.329
0.348
0.367
0.386
0.406
0.425
0.444
0.464
0.483
0.503
0.522
0.542
0.562
0.582
0.602
0.622
0.642
0.662
0.682
0.702
0.723
0.743
0.764
0.784
0.805
0.825
0.846

53
0.282
0.301
0.321
0.340
0.360
0.380
0.399
0.419
0.439
0.459
0.479
0.499
0.519
0.540
0.560
0.581
0.601
0.622
0.642
0.663
0.684
0.705
0.726
0.747
0.768
0.789
0.810
0.831
0.853
0.874
0.896

54
0.293
0.313
0.333
0.353
0.374
0.394
0.415
0.435
0.456
0.477
0.497
0.518
0.539
0.560
0.581
0.603
0.624
0.645
0.667
0.688
0.710
0.731
0.753
0.775
0.797
0.819
0.841
0.863
0.885
0.907
0.930
0.952

55
0.304
0.325
0.346
0.367
0.388
0.410
0.431
0.452
0.474
0.495
0.517
0.539
0.560
0.582
0.604
0.626
0.648
0.670
0.693
0.715
0.737
0.760
0.783
0.805
0.828
0.851
0.874
0.897
0.920
0.943
0.966
0.989
1.013

56
0.315
0.337
0.359
0.380
0.402
0.424
0.446
0.469
0.491
0.513
0.535
0.558
0.580
0.603
0.626
0.649
0.672
0.694
0.718
0.741
0.764
0.787
0.810
0.834
0.857
0.881
0.905
0.929
0.952
0.976
1.000
1.024
1.049
1.073

57
0.328
0.351
0.373
0.396
0.419
0.442
0.465
0.488
0.511
0.534
0.558
0.581
0.604
0.628
0.652
0.675
0.699
0.723
0.747
0.771
0.795
0.820
0.844
0.868
0.893
0.917
0.942
0.967
0.991
1.016
1.041
1.066
1.092
1.117
1.142

58
0.341
0.364
0.388
0.411
0.435
0.459
0.482
0.506
0.530
0.554
0.579
0.603
0.627
0.652
0.676
0.701
0.726
0.750
0.775
0.800
0.825
0.850
0.876
0.901
0.926
0.952
0.977
1.003
1.029
1.055
1.080
1.106
1.133
1.159
1.185
1.211

59
0.356
0.380
0.405
0.429
0.454
0.479
0.503
0.528
0.554
0.579
0.604
0.629
0.655
0.680
0.706
0.731
0.757
0.783
0.809
0.835
0.861
0.887
0.914
0.940
0.967
0.993
1.020
1.047
1.073
1.100
1.127
1.155
1.182
1.209
1.236
1.264
1.291

60
0.370
0.395
0.421
0.446
0.472
0.498
0.524
0.550
0.576
0.602
0.628
0.654
0.681
0.707
0.734
0.761
0.787
0.814
0.841
0.868
0.896
0.923
0.950
0.978
1.005
1.033
1.060
1.088
1.116
1.144
1.172
1.200
1.229
1.257
1.286
1.314
1.343
1.372

61
0.385
0.412
0.438
0.465
0.491
0.518
0.545
0.572
0.599
0.627
0.654
0.681
0.709
0.736
0.764
0.792
0.820
0.848
0.876
0.904
0.932
0.961
0.989
1.018
1.046
1.075
1.104
1.133
1.162
1.191
1.220
1.250
1.279
1.309
1.338
1.368
1.398
1.428
1.458

62
0.402
0.429
0.457
0.485
0.512
0.540
0.568
0.597
0.625
0.653
0.682
0.710
0.739
0.768
0.796
0.825
0.854
0.884
0.913
0.942
0.972
1.001
1.031
1.061
1.091
1.120
1.151
1.181
1.211
1.241
1.272
1.302
1.333
1.364
1.395
1.426
1.457
1.488
1.519
1.550

63
0.419
0.448
0.477
0.506
0.535
0.564
0.593
0.623
0.652
0.682
0.711
0.741
0.771
0.801
0.831
0.862
0.892
0.922
0.953
0.983
1.014
1.045
1.076
1.107
1.138
1.169
1.201
1.232
1.264
1.295
1.327
1.359
1.391
1.423
1.455
1.488
1.520
1.552
1.585
1.618
1.650

64
0.436
0.466
0.496
0.526
0.556
0.586
0.617
0.647
0.678
0.709
0.739
0.770
0.802
0.833
0.864
0.895
0.927
0.958
0.990
1.022
1.054
1.086
1.118
1.150
1.183
1.215
1.248
1.280
1.313
1.346
1.379
1.412
1.445
1.479
1.512
1.546
1.579
1.613
1.647
1.681
1.715

65
0.456
0.487
0.519
0.550
0.582
0.614
0.645
0.677
0.709
0.742
0.774
0.806
0.839
0.871
0.904
0.937
0.970
1.003
1.036
1.069
1.103
1.136
1.170
1.204
1.238
1.272
1.306
1.340
1.374
1.408
1.443
1.478
1.512
1.547
1.582
1.617
1.652
1.688
1.723
1.759
1.794

66
0.475
0.508
0.540
0.573
0.606
0.639
0.672
0.706
0.739
0.773
0.806
0.840
0.874
0.908
0.942
0.976
1.011
1.045
1.080
1.114
1.149
1.184
1.219
1.254
1.289
1.325
1.360
1.396
1.431
1.467
1.503
1.539
1.575
1.612
1.648
1.685
1.721
1.758
1.795
1.832
1.869

67
0.499
0.533
0.567
0.602
0.636
0.671
0.706
0.741
0.776
0.811
0.846
0.882
0.917
0.953
0.989
1.025
1.061
1.097
1.133
1.170
1.206
1.243
1.279
1.316
1.353
1.390
1.428
1.465
1.502
1.540
1.578
1.615
1.653
1.691
1.730
1.768
1.806
1.845
1.884
1.922
1.961

68
0.521
0.557
0.593
0.629
0.665
0.701
0.738
0.774
0.811
0.848
0.884
0.921
0.959
0.996
1.033
1.071
1.108
1.146
1.184
1.222
1.260
1.298
1.337
1.375
1.414
1.453
1.491
1.530
1.570
1.609
1.648
1.688
1.727
1.767
1.807
1.847
1.887
1.927
1.968
2.008
2.049

69
0.546
0.583
0.621
0.658
0.696
0.734
0.772
0.810
0.849
0.887
0.926
0.964
1.003
1.042
1.081
1.120
1.160
1.199
1.239
1.279
1.318
1.359
1.399
1.439
1.479
1.520
1.560
1.601
1.642
1.683
1.724
1.766
1.807
1.849
1.890
1.932
1.974
2.016
2.059
2.101
2.143

70
0.572
0.611
0.650
0.690
0.730
0.769
0.809
0.849
0.889
0.930
0.970
1.011
1.051
1.092
1.133
1.174
1.216
1.257
1.298
1.340
1.382
1.424
1.466
1.508
1.550
1.593
1.635
1.678
1.721
1.764
1.807
1.850
1.894
1.937
1.981
2.025
2.069
2.113
2.157
2.201
2.246

FATOR PREVIDENCIRIO 2005 (TABELA IBGE 2003)


IDADE DA APOSENTADORIA

T
E
M
P
O
D
E
C
O
N
T
R
I
B
U
I

15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55

43
0.202
0.216
0.230
0.244
0.258
0.272
0.286
0.301
0.315
0.329
0.344
0.358
0.373
0.387
0.402
0.417
0.431
0.446
0.461
0.476
0.491

44
0.209
0.223
0.238
0.252
0.267
0.281
0.296
0.311
0.326
0.340
0.355
0.370
0.385
0.400
0.416
0.431
0.446
0.461
0.477
0.492
0.508
0.523

45
0.215
0.230
0.245
0.260
0.275
0.290
0.305
0.321
0.336
0.351
0.367
0.382
0.397
0.413
0.429
0.444
0.460
0.476
0.492
0.508
0.524
0.540
0.556

46
0.222
0.238
0.253
0.269
0.284
0.300
0.315
0.331
0.347
0.362
0.378
0.394
0.410
0.426
0.442
0.459
0.475
0.491
0.507
0.524
0.540
0.557
0.573
0.590

47
0.230
0.246
0.262
0.278
0.294
0.310
0.327
0.343
0.359
0.376
0.392
0.408
0.425
0.442
0.458
0.475
0.492
0.509
0.526
0.543
0.560
0.577
0.594
0.611
0.629

48
0.238
0.255
0.271
0.288
0.304
0.321
0.338
0.354
0.371
0.388
0.405
0.422
0.439
0.456
0.474
0.491
0.508
0.526
0.543
0.561
0.578
0.596
0.614
0.632
0.649
0.667

49
0.246
0.263
0.280
0.297
0.315
0.332
0.349
0.366
0.384
0.401
0.419
0.437
0.454
0.472
0.490
0.508
0.526
0.544
0.562
0.580
0.598
0.616
0.635
0.653
0.672
0.690
0.709

50
0.255
0.273
0.290
0.308
0.326
0.343
0.361
0.379
0.397
0.415
0.434
0.452
0.470
0.488
0.507
0.525
0.544
0.563
0.581
0.600
0.619
0.638
0.657
0.676
0.695
0.714
0.733
0.753

51
0.264
0.282
0.301
0.319
0.337
0.356
0.374
0.393
0.411
0.430
0.449
0.468
0.487
0.506
0.525
0.544
0.563
0.583
0.602
0.621
0.641
0.660
0.680
0.700
0.720
0.739
0.759
0.779
0.799

52
0.274
0.293
0.312
0.331
0.350
0.369
0.388
0.407
0.427
0.446
0.465
0.485
0.505
0.524
0.544
0.564
0.584
0.604
0.624
0.644
0.664
0.685
0.705
0.725
0.746
0.766
0.787
0.808
0.829
0.849

53
0.284
0.304
0.323
0.343
0.363
0.383
0.402
0.422
0.443
0.463
0.483
0.503
0.524
0.544
0.564
0.585
0.606
0.626
0.647
0.668
0.689
0.710
0.731
0.752
0.774
0.795
0.816
0.838
0.859
0.881
0.903

54
0.294
0.314
0.334
0.355
0.375
0.396
0.416
0.437
0.458
0.479
0.499
0.520
0.541
0.563
0.584
0.605
0.626
0.648
0.669
0.691
0.713
0.734
0.756
0.778
0.800
0.822
0.844
0.866
0.889
0.911
0.933
0.956

55
0.306
0.327
0.348
0.369
0.390
0.411
0.433
0.454
0.476
0.497
0.519
0.541
0.563
0.585
0.607
0.629
0.651
0.673
0.696
0.718
0.741
0.763
0.786
0.809
0.831
0.854
0.877
0.900
0.923
0.947
0.970
0.993
1.017

56
0.318
0.340
0.362
0.384
0.406
0.428
0.450
0.473
0.495
0.517
0.540
0.563
0.585
0.608
0.631
0.654
0.677
0.700
0.724
0.747
0.770
0.794
0.817
0.841
0.865
0.889
0.912
0.936
0.960
0.985
1.009
1.033
1.058
1.082

57
0.330
0.352
0.375
0.398
0.421
0.444
0.467
0.490
0.513
0.537
0.560
0.584
0.607
0.631
0.654
0.678
0.702
0.726
0.750
0.775
0.799
0.823
0.848
0.872
0.897
0.921
0.946
0.971
0.996
1.021
1.046
1.071
1.096
1.122
1.147

58
0.342
0.366
0.389
0.413
0.437
0.461
0.485
0.509
0.533
0.557
0.581
0.606
0.630
0.655
0.679
0.704
0.729
0.754
0.779
0.804
0.829
0.854
0.880
0.905
0.930
0.956
0.982
1.008
1.033
1.059
1.085
1.112
1.138
1.164
1.190
1.217

59
0.357
0.382
0.406
0.431
0.456
0.481
0.506
0.531
0.556
0.581
0.607
0.632
0.658
0.683
0.709
0.735
0.761
0.787
0.813
0.839
0.865
0.892
0.918
0.945
0.971
0.998
1.025
1.052
1.078
1.106
1.133
1.160
1.187
1.215
1.242
1.270
1.298

60
0.372
0.397
0.423
0.449
0.474
0.500
0.526
0.552
0.578
0.605
0.631
0.658
0.684
0.711
0.737
0.764
0.791
0.818
0.845
0.873
0.900
0.927
0.955
0.982
1.010
1.038
1.066
1.094
1.122
1.150
1.178
1.206
1.235
1.263
1.292
1.321
1.349
1.378

61
0.387
0.414
0.440
0.467
0.494
0.521
0.548
0.575
0.602
0.630
0.657
0.685
0.712
0.740
0.768
0.796
0.824
0.852
0.880
0.909
0.937
0.965
0.994
1.023
1.052
1.080
1.109
1.139
1.168
1.197
1.226
1.256
1.285
1.315
1.345
1.375
1.405
1.435
1.465

62
0.404
0.431
0.459
0.487
0.515
0.543
0.571
0.600
0.628
0.657
0.685
0.714
0.743
0.772
0.801
0.830
0.859
0.888
0.918
0.947
0.977
1.006
1.036
1.066
1.096
1.126
1.157
1.187
1.217
1.248
1.278
1.309
1.340
1.371
1.402
1.433
1.464
1.495
1.527
1.558

63
0.421
0.450
0.479
0.508
0.538
0.567
0.596
0.626
0.656
0.685
0.715
0.745
0.775
0.806
0.836
0.866
0.897
0.927
0.958
0.989
1.020
1.051
1.082
1.113
1.144
1.176
1.207
1.239
1.271
1.302
1.334
1.366
1.398
1.431
1.463
1.496
1.528
1.561
1.594
1.626
1.659

64
0.438
0.468
0.498
0.529
0.559
0.590
0.620
0.651
0.682
0.713
0.744
0.775
0.806
0.837
0.869
0.900
0.932
0.964
0.996
1.028
1.060
1.092
1.124
1.157
1.189
1.222
1.255
1.288
1.321
1.354
1.387
1.420
1.453
1.487
1.521
1.554
1.588
1.622
1.656
1.690
1.725

65
0.459
0.490
0.522
0.553
0.585
0.617
0.649
0.681
0.714
0.746
0.778
0.811
0.844
0.876
0.909
0.942
0.976
1.009
1.042
1.076
1.109
1.143
1.177
1.211
1.245
1.279
1.313
1.348
1.382
1.417
1.451
1.486
1.521
1.556
1.591
1.627
1.662
1.697
1.733
1.769
1.805

66
0.478
0.511
0.544
0.577
0.610
0.643
0.677
0.710
0.744
0.777
0.811
0.845
0.879
0.913
0.948
0.982
1.017
1.051
1.086
1.121
1.156
1.191
1.226
1.262
1.297
1.333
1.368
1.404
1.440
1.476
1.512
1.548
1.585
1.621
1.658
1.695
1.732
1.769
1.806
1.843
1.880

67
0.502
0.536
0.571
0.606
0.640
0.675
0.710
0.746
0.781
0.816
0.852
0.887
0.923
0.959
0.995
1.031
1.067
1.104
1.140
1.177
1.214
1.250
1.287
1.325
1.362
1.399
1.437
1.474
1.512
1.550
1.588
1.626
1.664
1.702
1.741
1.779
1.818
1.857
1.895
1.934
1.974

68
0.525
0.561
0.597
0.633
0.669
0.706
0.743
0.779
0.816
0.853
0.890
0.927
0.965
1.002
1.040
1.078
1.116
1.154
1.192
1.230
1.268
1.307
1.345
1.384
1.423
1.462
1.501
1.540
1.580
1.619
1.659
1.699
1.739
1.779
1.819
1.859
1.899
1.940
1.981
2.021
2.062

69
0.549
0.587
0.625
0.663
0.701
0.739
0.777
0.816
0.854
0.893
0.932
0.971
1.010
1.049
1.089
1.128
1.168
1.207
1.247
1.287
1.327
1.368
1.408
1.449
1.489
1.530
1.571
1.612
1.653
1.695
1.736
1.778
1.819
1.861
1.903
1.945
1.988
2.030
2.073
2.115
2.158

Elaborao: MPS/SPS.

70
0.576
0.615
0.655
0.695
0.735
0.775
0.815
0.855
0.896
0.936
0.977
1.018
1.059
1.100
1.141
1.183
1.224
1.266
1.308
1.350
1.392
1.434
1.476
1.519
1.561
1.604
1.647
1.690
1.733
1.776
1.820
1.864
1.907
1.951
1.995
2.039
2.083
2.128
2.172
2.217
2.262

FATOR PREVIDENCIRIO 2004 (TABELA IBGE 2002)


IDADE DA APOSENTADORIA

T
E
M
P
O
D
E
C
O
N
T
R
I
B
U
I

43
0.203
0.217
0.231
0.245
0.259
0.274
0.288
0.302
0.317
0.331
0.345
0.360
0.375
0.389
0.404
0.419
0.434
0.449
0.464
0.479
0.494

44
0.210
0.224
0.239
0.253
0.268
0.282
0.297
0.312
0.327
0.342
0.357
0.372
0.387
0.402
0.417
0.432
0.448
0.463
0.478
0.494
0.509
0.525

45
0.217
0.231
0.246
0.261
0.277
0.292
0.307
0.322
0.337
0.353
0.368
0.384
0.399
0.415
0.431
0.446
0.462
0.478
0.494
0.510
0.526
0.542
0.558

15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
Elaborao: MPS/SPS.

46
0.224
0.239
0.255
0.270
0.286
0.301
0.317
0.333
0.349
0.365
0.381
0.397
0.413
0.429
0.445
0.461
0.478
0.494
0.510
0.527
0.543
0.560
0.577
0.594

47
0.231
0.247
0.263
0.279
0.295
0.312
0.328
0.344
0.360
0.377
0.393
0.410
0.427
0.443
0.460
0.477
0.494
0.511
0.528
0.545
0.562
0.579
0.596
0.613
0.631

48
0.239
0.256
0.272
0.289
0.305
0.322
0.339
0.356
0.373
0.390
0.407
0.424
0.441
0.458
0.476
0.493
0.510
0.528
0.545
0.563
0.581
0.599
0.616
0.634
0.652
0.670

49
0.247
0.265
0.282
0.299
0.316
0.333
0.351
0.368
0.386
0.403
0.421
0.439
0.456
0.474
0.492
0.510
0.528
0.546
0.564
0.582
0.601
0.619
0.638
0.656
0.675
0.693
0.712

50
0.256
0.274
0.292
0.309
0.327
0.345
0.363
0.381
0.399
0.417
0.436
0.454
0.472
0.491
0.509
0.528
0.547
0.565
0.584
0.603
0.622
0.641
0.660
0.679
0.698
0.718
0.737
0.756

51
0.265
0.284
0.302
0.320
0.339
0.357
0.376
0.395
0.413
0.432
0.451
0.470
0.489
0.508
0.527
0.547
0.566
0.585
0.605
0.624
0.644
0.664
0.683
0.703
0.723
0.743
0.763
0.783
0.803

52
0.275
0.294
0.313
0.332
0.351
0.370
0.390
0.409
0.428
0.448
0.468
0.487
0.507
0.527
0.547
0.566
0.586
0.607
0.627
0.647
0.667
0.688
0.708
0.729
0.749
0.770
0.791
0.811
0.832
0.853

53
0.285
0.305
0.325
0.344
0.364
0.384
0.404
0.424
0.444
0.464
0.485
0.505
0.526
0.546
0.567
0.587
0.608
0.629
0.650
0.671
0.692
0.713
0.734
0.755
0.777
0.798
0.820
0.841
0.863
0.884
0.906

54
0.296
0.316
0.337
0.357
0.378
0.398
0.419
0.440
0.461
0.482
0.503
0.524
0.545
0.566
0.588
0.609
0.631
0.652
0.674
0.696
0.718
0.739
0.761
0.783
0.806
0.828
0.850
0.872
0.895
0.917
0.940
0.963

55
0.307
0.328
0.350
0.371
0.392
0.414
0.435
0.457
0.478
0.500
0.522
0.544
0.566
0.588
0.610
0.632
0.655
0.677
0.699
0.722
0.745
0.767
0.790
0.813
0.836
0.859
0.882
0.905
0.928
0.952
0.975
0.999
1.022

56
0.319
0.341
0.363
0.385
0.407
0.429
0.452
0.474
0.497
0.519
0.542
0.565
0.588
0.610
0.633
0.657
0.680
0.703
0.726
0.750
0.773
0.797
0.820
0.844
0.868
0.892
0.916
0.940
0.964
0.988
1.012
1.037
1.061
1.086

57
0.331
0.354
0.377
0.400
0.423
0.446
0.469
0.493
0.516
0.540
0.563
0.587
0.610
0.634
0.658
0.682
0.706
0.730
0.754
0.779
0.803
0.828
0.852
0.877
0.902
0.926
0.951
0.976
1.001
1.026
1.052
1.077
1.102
1.128
1.153

58
0.345
0.368
0.392
0.416
0.440
0.464
0.488
0.512
0.536
0.561
0.585
0.610
0.635
0.659
0.684
0.709
0.734
0.759
0.784
0.809
0.835
0.860
0.886
0.911
0.937
0.963
0.989
1.015
1.041
1.067
1.093
1.119
1.146
1.172
1.199
1.225

59
0.358
0.383
0.408
0.433
0.458
0.483
0.508
0.533
0.558
0.583
0.609
0.634
0.660
0.686
0.711
0.737
0.763
0.789
0.816
0.842
0.868
0.895
0.921
0.948
0.974
1.001
1.028
1.055
1.082
1.109
1.137
1.164
1.191
1.219
1.247
1.274
1.302

60
0.373
0.399
0.424
0.450
0.476
0.502
0.528
0.554
0.581
0.607
0.634
0.660
0.687
0.714
0.740
0.767
0.794
0.822
0.849
0.876
0.903
0.931
0.959
0.986
1.014
1.042
1.070
1.098
1.126
1.154
1.183
1.211
1.240
1.268
1.297
1.326
1.355
1.384

61
0.389
0.415
0.442
0.469
0.496
0.523
0.550
0.577
0.605
0.632
0.660
0.688
0.715
0.743
0.771
0.799
0.827
0.855
0.884
0.912
0.941
0.969
0.998
1.027
1.056
1.085
1.114
1.143
1.172
1.202
1.231
1.261
1.291
1.320
1.350
1.380
1.410
1.441
1.471

62
0.405
0.433
0.461
0.489
0.517
0.545
0.573
0.602
0.630
0.659
0.688
0.716
0.745
0.774
0.803
0.833
0.862
0.891
0.921
0.951
0.980
1.010
1.040
1.070
1.100
1.130
1.161
1.191
1.222
1.252
1.283
1.314
1.345
1.376
1.407
1.438
1.469
1.501
1.532
1.564

63
0.422
0.451
0.480
0.510
0.539
0.568
0.598
0.628
0.657
0.687
0.717
0.747
0.777
0.807
0.838
0.868
0.899
0.929
0.960
0.991
1.022
1.053
1.084
1.116
1.147
1.178
1.210
1.242
1.274
1.305
1.337
1.370
1.402
1.434
1.467
1.499
1.532
1.564
1.597
1.630
1.663

64
0.441
0.471
0.501
0.532
0.562
0.593
0.624
0.655
0.686
0.717
0.748
0.780
0.811
0.842
0.874
0.906
0.938
0.970
1.002
1.034
1.066
1.099
1.131
1.164
1.197
1.229
1.262
1.296
1.329
1.362
1.395
1.429
1.462
1.496
1.530
1.564
1.598
1.632
1.666
1.701
1.735

65
0.460
0.492
0.524
0.555
0.587
0.619
0.652
0.684
0.716
0.749
0.781
0.814
0.847
0.880
0.913
0.946
0.979
1.013
1.046
1.080
1.113
1.147
1.181
1.215
1.249
1.284
1.318
1.353
1.387
1.422
1.457
1.492
1.527
1.562
1.597
1.633
1.668
1.704
1.739
1.775
1.811

66
0.481
0.514
0.547
0.580
0.614
0.647
0.681
0.715
0.748
0.782
0.816
0.851
0.885
0.919
0.954
0.988
1.023
1.058
1.093
1.128
1.163
1.199
1.234
1.270
1.305
1.341
1.377
1.413
1.449
1.486
1.522
1.558
1.595
1.632
1.669
1.706
1.743
1.780
1.817
1.855
1.892

67
0.503
0.538
0.572
0.607
0.642
0.677
0.712
0.747
0.783
0.818
0.854
0.889
0.925
0.961
0.997
1.034
1.070
1.106
1.143
1.180
1.216
1.253
1.290
1.328
1.365
1.402
1.440
1.477
1.515
1.553
1.591
1.629
1.668
1.706
1.745
1.783
1.822
1.861
1.900
1.939
1.978

68
0.527
0.563
0.599
0.635
0.672
0.708
0.745
0.782
0.819
0.856
0.893
0.931
0.968
1.006
1.044
1.081
1.120
1.158
1.196
1.234
1.273
1.311
1.350
1.389
1.428
1.467
1.506
1.546
1.585
1.625
1.665
1.705
1.745
1.785
1.825
1.866
1.906
1.947
1.987
2.028
2.069

69
0.551
0.589
0.627
0.665
0.703
0.742
0.780
0.819
0.858
0.896
0.935
0.975
1.014
1.053
1.093
1.132
1.172
1.212
1.252
1.292
1.332
1.373
1.413
1.454
1.495
1.536
1.577
1.618
1.660
1.701
1.743
1.784
1.826
1.868
1.911
1.953
1.995
2.038
2.080
2.123
2.166

70
0.578
0.617
0.657
0.697
0.737
0.777
0.817
0.858
0.898
0.939
0.980
1.021
1.062
1.103
1.144
1.186
1.228
1.269
1.311
1.353
1.396
1.438
1.480
1.523
1.566
1.609
1.652
1.695
1.738
1.782
1.825
1.869
1.913
1.957
2.001
2.045
2.089
2.134
2.179
2.223
2.268

FATOR PREVIDENCIRIO 2003 (TABELA IBGE 2001)


IDADE DA APOSENTADORIA

T
E
M
P
O
D
E
C
O
N
T
R
I
B
U
I

43
0.218
0.233
0.248
0.264
0.279
0.294
0.309
0.325
0.340
0.356
0.371
0.387
0.403
0.419
0.434
0.450
0.466
0.482
0.498
0.514
0.531

44
0.226
0.241
0.257
0.273
0.289
0.304
0.320
0.336
0.352
0.368
0.384
0.401
0.417
0.433
0.449
0.466
0.482
0.499
0.516
0.532
0.549
0.566

45
0.234
0.250
0.266
0.282
0.299
0.315
0.332
0.348
0.365
0.381
0.398
0.415
0.432
0.448
0.465
0.482
0.499
0.517
0.534
0.551
0.568
0.586
0.603

15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
Elaborao: MPS/SPS.

46
0.242
0.259
0.276
0.293
0.310
0.326
0.344
0.361
0.378
0.395
0.412
0.430
0.447
0.465
0.482
0.500
0.517
0.535
0.553
0.571
0.589
0.607
0.625
0.643

47
0.251
0.269
0.286
0.303
0.321
0.338
0.356
0.374
0.392
0.409
0.427
0.445
0.463
0.481
0.500
0.518
0.536
0.555
0.573
0.592
0.610
0.629
0.648
0.666
0.685

48
0.261
0.279
0.297
0.315
0.333
0.351
0.369
0.388
0.406
0.425
0.443
0.462
0.480
0.499
0.518
0.537
0.556
0.575
0.594
0.613
0.633
0.652
0.672
0.691
0.711
0.730

49
0.270
0.289
0.308
0.327
0.345
0.364
0.383
0.402
0.421
0.441
0.460
0.479
0.499
0.518
0.538
0.557
0.577
0.597
0.617
0.637
0.657
0.677
0.697
0.717
0.737
0.758
0.778

50
0.281
0.300
0.320
0.339
0.359
0.378
0.398
0.418
0.438
0.458
0.478
0.498
0.518
0.538
0.558
0.579
0.599
0.620
0.640
0.661
0.682
0.702
0.723
0.744
0.765
0.787
0.808
0.829

51
0.292
0.312
0.332
0.352
0.373
0.393
0.414
0.434
0.455
0.475
0.496
0.517
0.538
0.559
0.580
0.601
0.622
0.644
0.665
0.687
0.708
0.730
0.752
0.773
0.795
0.817
0.839
0.861
0.883

52
0.304
0.324
0.345
0.366
0.388
0.409
0.430
0.451
0.473
0.494
0.516
0.538
0.559
0.581
0.603
0.625
0.647
0.669
0.692
0.714
0.736
0.759
0.781
0.804
0.827
0.850
0.872
0.895
0.918
0.942

53
0.316
0.338
0.359
0.381
0.403
0.425
0.448
0.470
0.492
0.514
0.537
0.559
0.582
0.605
0.628
0.651
0.673
0.697
0.720
0.743
0.766
0.790
0.813
0.837
0.860
0.884
0.908
0.932
0.956
0.980
1.004

54
0.329
0.352
0.374
0.397
0.420
0.443
0.466
0.489
0.512
0.536
0.559
0.583
0.606
0.630
0.654
0.677
0.701
0.725
0.749
0.774
0.798
0.822
0.847
0.871
0.896
0.920
0.945
0.970
0.995
1.020
1.045
1.070

55
0.343
0.367
0.390
0.414
0.438
0.462
0.486
0.510
0.534
0.558
0.583
0.607
0.632
0.656
0.681
0.706
0.731
0.756
0.781
0.806
0.831
0.857
0.882
0.908
0.933
0.959
0.985
1.011
1.037
1.063
1.089
1.115
1.141

56
0.358
0.382
0.407
0.432
0.457
0.482
0.507
0.532
0.557
0.582
0.608
0.633
0.659
0.685
0.710
0.736
0.762
0.788
0.814
0.841
0.867
0.893
0.920
0.947
0.973
1.000
1.027
1.054
1.081
1.108
1.135
1.163
1.190
1.218

57
0.374
0.399
0.425
0.451
0.477
0.503
0.529
0.555
0.582
0.608
0.634
0.661
0.688
0.715
0.742
0.769
0.796
0.823
0.850
0.877
0.905
0.933
0.960
0.988
1.016
1.044
1.072
1.100
1.128
1.157
1.185
1.214
1.242
1.271
1.300

58
0.390
0.417
0.444
0.471
0.498
0.525
0.553
0.580
0.608
0.635
0.663
0.691
0.719
0.747
0.775
0.803
0.831
0.860
0.888
0.917
0.945
0.974
1.003
1.032
1.061
1.090
1.120
1.149
1.179
1.208
1.238
1.268
1.298
1.327
1.358
1.388

59
0.408
0.436
0.464
0.493
0.521
0.549
0.578
0.607
0.635
0.664
0.693
0.722
0.752
0.781
0.810
0.840
0.869
0.899
0.929
0.959
0.989
1.019
1.049
1.079
1.110
1.140
1.171
1.201
1.232
1.263
1.294
1.325
1.357
1.388
1.419
1.451
1.483

60
0.427
0.457
0.486
0.516
0.545
0.575
0.605
0.635
0.665
0.695
0.726
0.756
0.787
0.817
0.848
0.879
0.910
0.941
0.972
1.003
1.035
1.066
1.098
1.130
1.161
1.193
1.225
1.258
1.290
1.322
1.355
1.387
1.420
1.453
1.486
1.519
1.552
1.585

61
0.448
0.479
0.510
0.541
0.572
0.603
0.634
0.666
0.697
0.729
0.761
0.792
0.824
0.857
0.889
0.921
0.954
0.986
1.019
1.052
1.084
1.117
1.151
1.184
1.217
1.250
1.284
1.318
1.351
1.385
1.419
1.453
1.488
1.522
1.557
1.591
1.626
1.661
1.695

62
0.470
0.502
0.535
0.567
0.600
0.633
0.665
0.698
0.731
0.765
0.798
0.831
0.865
0.899
0.932
0.966
1.000
1.034
1.069
1.103
1.138
1.172
1.207
1.242
1.277
1.312
1.347
1.382
1.418
1.453
1.489
1.525
1.560
1.596
1.633
1.669
1.705
1.742
1.778
1.815

63
0.494
0.528
0.562
0.596
0.630
0.664
0.699
0.734
0.768
0.803
0.838
0.873
0.909
0.944
0.979
1.015
1.051
1.087
1.123
1.159
1.195
1.231
1.268
1.304
1.341
1.378
1.415
1.452
1.489
1.526
1.564
1.601
1.639
1.677
1.714
1.753
1.791
1.829
1.867
1.906
1.944

64
0.519
0.555
0.591
0.627
0.663
0.699
0.735
0.772
0.808
0.845
0.882
0.918
0.956
0.993
1.030
1.067
1.105
1.143
1.180
1.218
1.256
1.295
1.333
1.371
1.410
1.449
1.488
1.526
1.566
1.605
1.644
1.684
1.723
1.763
1.803
1.843
1.883
1.923
1.963
2.004
2.044

65
0.547
0.585
0.622
0.660
0.698
0.736
0.774
0.813
0.851
0.890
0.928
0.967
1.006
1.045
1.085
1.124
1.164
1.203
1.243
1.283
1.323
1.363
1.404
1.444
1.485
1.525
1.566
1.607
1.648
1.690
1.731
1.773
1.814
1.856
1.898
1.940
1.982
2.025
2.067
2.110
2.152

66
0.577
0.617
0.656
0.696
0.736
0.776
0.817
0.857
0.898
0.938
0.979
1.020
1.061
1.103
1.144
1.186
1.227
1.269
1.311
1.353
1.395
1.438
1.480
1.523
1.566
1.609
1.652
1.695
1.738
1.782
1.825
1.869
1.913
1.957
2.001
2.046
2.090
2.135
2.180
2.225
2.270

67
0.610
0.651
0.693
0.736
0.778
0.820
0.863
0.905
0.948
0.991
1.034
1.078
1.121
1.165
1.208
1.252
1.296
1.340
1.385
1.429
1.474
1.519
1.563
1.609
1.654
1.699
1.745
1.790
1.836
1.882
1.928
1.974
2.021
2.067
2.114
2.161
2.207
2.255
2.302
2.349
2.397

68
0.645
0.689
0.734
0.778
0.823
0.868
0.913
0.958
1.003
1.049
1.094
1.140
1.186
1.232
1.278
1.325
1.371
1.418
1.465
1.512
1.559
1.606
1.654
1.701
1.749
1.797
1.845
1.894
1.942
1.990
2.039
2.088
2.137
2.186
2.236
2.285
2.335
2.385
2.434
2.485
2.535

69
0.683
0.730
0.777
0.824
0.872
0.919
0.967
1.015
1.063
1.111
1.159
1.208
1.256
1.305
1.354
1.403
1.452
1.502
1.552
1.601
1.651
1.701
1.752
1.802
1.853
1.903
1.954
2.005
2.057
2.108
2.160
2.211
2.263
2.315
2.368
2.420
2.472
2.525
2.578
2.631
2.684

70
0.725
0.774
0.824
0.874
0.924
0.975
1.025
1.076
1.127
1.178
1.229
1.281
1.332
1.384
1.436
1.488
1.540
1.593
1.645
1.698
1.751
1.804
1.857
1.911
1.964
2.018
2.072
2.126
2.181
2.235
2.290
2.345
2.400
2.455
2.510
2.566
2.621
2.677
2.733
2.789
2.846

FATOR PREVIDENCIRIO 2002 (TABELA IBGE 2000)


IDADE DA APOSENTADORIA

T
E
M
P
O
D
E
C
O
N
T
R
I
B
U
I

15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55

43
0.219
0.234
0.250
0.265
0.280
0.296
0.311
0.326
0.342
0.358
0.373
0.389
0.405
0.421
0.437
0.453
0.469
0.485
0.501
0.517
0.533

44
0.227
0.242
0.258
0.274
0.289
0.305
0.321
0.337
0.353
0.369
0.386
0.402
0.418
0.435
0.451
0.467
0.484
0.501
0.517
0.534
0.551
0.568

45
0.235
0.251
0.268
0.284
0.300
0.317
0.333
0.350
0.366
0.383
0.400
0.417
0.434
0.451
0.468
0.485
0.502
0.519
0.536
0.554
0.571
0.589
0.606

46
0.243
0.260
0.277
0.294
0.311
0.328
0.345
0.362
0.379
0.396
0.414
0.431
0.449
0.466
0.484
0.501
0.519
0.537
0.555
0.573
0.591
0.609
0.627
0.645

47
0.253
0.270
0.288
0.305
0.323
0.340
0.358
0.376
0.394
0.412
0.430
0.448
0.466
0.484
0.503
0.521
0.539
0.558
0.577
0.595
0.614
0.633
0.651
0.670
0.689

48
0.262
0.280
0.298
0.316
0.334
0.353
0.371
0.390
0.408
0.427
0.445
0.464
0.483
0.502
0.521
0.540
0.559
0.578
0.597
0.617
0.636
0.655
0.675
0.695
0.714
0.734

49
0.272
0.290
0.309
0.328
0.347
0.366
0.385
0.404
0.423
0.443
0.462
0.481
0.501
0.520
0.540
0.560
0.580
0.599
0.619
0.639
0.659
0.680
0.700
0.720
0.741
0.761
0.781

50
0.282
0.301
0.321
0.340
0.360
0.380
0.400
0.419
0.439
0.459
0.479
0.500
0.520
0.540
0.561
0.581
0.602
0.622
0.643
0.664
0.684
0.705
0.726
0.747
0.768
0.790
0.811
0.832

51
0.293
0.313
0.333
0.354
0.374
0.395
0.415
0.436
0.456
0.477
0.498
0.519
0.540
0.561
0.582
0.604
0.625
0.646
0.668
0.689
0.711
0.733
0.754
0.776
0.798
0.820
0.842
0.865
0.887

52
0.305
0.326
0.347
0.368
0.389
0.410
0.432
0.453
0.475
0.496
0.518
0.540
0.562
0.584
0.606
0.628
0.650
0.672
0.694
0.717
0.739
0.762
0.785
0.807
0.830
0.853
0.876
0.899
0.922
0.945

53
0.317
0.339
0.361
0.383
0.405
0.427
0.450
0.472
0.494
0.517
0.539
0.562
0.585
0.608
0.630
0.653
0.676
0.700
0.723
0.746
0.770
0.793
0.817
0.840
0.864
0.888
0.912
0.936
0.960
0.984
1.008

54
0.331
0.354
0.376
0.399
0.422
0.445
0.469
0.492
0.515
0.539
0.562
0.586
0.609
0.633
0.657
0.681
0.705
0.729
0.753
0.778
0.802
0.827
0.851
0.876
0.900
0.925
0.950
0.975
1.000
1.025
1.051
1.076

55
0.345
0.369
0.393
0.417
0.441
0.465
0.489
0.513
0.538
0.562
0.587
0.611
0.636
0.661
0.686
0.711
0.736
0.761
0.786
0.812
0.837
0.862
0.888
0.914
0.940
0.965
0.991
1.017
1.044
1.070
1.096
1.123
1.149

56
0.359
0.384
0.409
0.433
0.458
0.483
0.509
0.534
0.559
0.585
0.610
0.636
0.661
0.687
0.713
0.739
0.765
0.791
0.818
0.844
0.870
0.897
0.924
0.950
0.977
1.004
1.031
1.058
1.085
1.112
1.140
1.167
1.195
1.222

57
0.376
0.402
0.428
0.454
0.480
0.506
0.532
0.559
0.585
0.612
0.638
0.665
0.692
0.719
0.746
0.773
0.801
0.828
0.855
0.883
0.911
0.938
0.966
0.994
1.022
1.050
1.079
1.107
1.135
1.164
1.192
1.221
1.250
1.279
1.308

58
0.392
0.419
0.446
0.473
0.500
0.527
0.555
0.582
0.610
0.638
0.666
0.693
0.722
0.750
0.778
0.806
0.835
0.863
0.892
0.920
0.949
0.978
1.007
1.036
1.065
1.095
1.124
1.154
1.183
1.213
1.243
1.273
1.303
1.333
1.363
1.393

59
0.411
0.440
0.468
0.496
0.525
0.554
0.582
0.611
0.640
0.669
0.699
0.728
0.757
0.787
0.816
0.846
0.876
0.906
0.936
0.966
0.996
1.026
1.057
1.087
1.118
1.149
1.180
1.211
1.242
1.273
1.304
1.336
1.367
1.399
1.430
1.462
1.494

60
0.430
0.460
0.489
0.519
0.549
0.579
0.609
0.639
0.669
0.700
0.730
0.761
0.792
0.823
0.853
0.885
0.916
0.947
0.978
1.010
1.041
1.073
1.105
1.137
1.169
1.201
1.233
1.266
1.298
1.331
1.363
1.396
1.429
1.462
1.495
1.528
1.562
1.595

61
0.450
0.481
0.512
0.544
0.575
0.606
0.638
0.669
0.701
0.733
0.765
0.797
0.829
0.861
0.894
0.926
0.959
0.992
1.024
1.057
1.090
1.124
1.157
1.190
1.224
1.257
1.291
1.325
1.359
1.393
1.427
1.462
1.496
1.530
1.565
1.600
1.635
1.670
1.705

62
0.473
0.505
0.538
0.570
0.603
0.636
0.669
0.702
0.735
0.769
0.802
0.836
0.870
0.903
0.937
0.971
1.006
1.040
1.074
1.109
1.144
1.178
1.213
1.248
1.283
1.319
1.354
1.389
1.425
1.461
1.497
1.533
1.569
1.605
1.641
1.678
1.714
1.751
1.788
1.824

63
0.497
0.531
0.565
0.599
0.634
0.668
0.703
0.738
0.773
0.808
0.843
0.878
0.914
0.949
0.985
1.021
1.057
1.093
1.129
1.165
1.201
1.238
1.275
1.311
1.348
1.385
1.422
1.460
1.497
1.535
1.572
1.610
1.648
1.686
1.724
1.762
1.801
1.839
1.878
1.916
1.955

64
0.523
0.559
0.595
0.631
0.667
0.703
0.740
0.777
0.813
0.850
0.887
0.925
0.962
0.999
1.037
1.074
1.112
1.150
1.188
1.226
1.265
1.303
1.342
1.380
1.419
1.458
1.497
1.537
1.576
1.615
1.655
1.695
1.735
1.774
1.815
1.855
1.895
1.936
1.976
2.017
2.058

65
0.552
0.590
0.627
0.666
0.704
0.742
0.781
0.819
0.858
0.897
0.936
0.975
1.015
1.054
1.094
1.134
1.173
1.213
1.254
1.294
1.334
1.375
1.415
1.456
1.497
1.538
1.580
1.621
1.662
1.704
1.746
1.788
1.830
1.872
1.914
1.956
1.999
2.042
2.085
2.128
2.171

66
0.579
0.619
0.659
0.699
0.739
0.779
0.820
0.860
0.901
0.942
0.983
1.024
1.065
1.107
1.148
1.190
1.232
1.274
1.316
1.358
1.401
1.443
1.486
1.529
1.572
1.615
1.658
1.701
1.745
1.789
1.832
1.876
1.920
1.965
2.009
2.053
2.098
2.143
2.188
2.233
2.278

67
0.614
0.656
0.698
0.741
0.783
0.826
0.869
0.912
0.955
0.998
1.042
1.085
1.129
1.173
1.217
1.261
1.306
1.350
1.395
1.439
1.484
1.529
1.575
1.620
1.666
1.711
1.757
1.803
1.849
1.895
1.942
1.988
2.035
2.082
2.129
2.176
2.223
2.271
2.318
2.366
2.414

68
0.647
0.692
0.736
0.781
0.826
0.871
0.916
0.962
1.007
1.053
1.098
1.144
1.190
1.237
1.283
1.330
1.376
1.423
1.470
1.518
1.565
1.612
1.660
1.708
1.756
1.804
1.852
1.901
1.949
1.998
2.047
2.096
2.145
2.195
2.244
2.294
2.344
2.394
2.444
2.494
2.544

69
0.690
0.737
0.785
0.833
0.880
0.928
0.977
1.025
1.073
1.122
1.171
1.220
1.269
1.318
1.368
1.417
1.467
1.517
1.567
1.617
1.668
1.718
1.769
1.820
1.871
1.923
1.974
2.026
2.077
2.129
2.181
2.234
2.286
2.339
2.391
2.444
2.497
2.551
2.604
2.658
2.711

Elaborao: MPS/SPS.

70
0.732
0.782
0.832
0.883
0.933
0.984
1.035
1.086
1.138
1.189
1.241
1.293
1.345
1.397
1.450
1.502
1.555
1.608
1.661
1.714
1.768
1.821
1.875
1.929
1.983
2.038
2.092
2.147
2.202
2.257
2.312
2.367
2.423
2.478
2.534
2.590
2.647
2.703
2.759
2.816
2.873

FATOR PREVIDENCIRIO 2001 (TABELA IBGE 1999)


IDADE DA APOSENTADORIA

T
E
M
P
O
D
E
C
O
N
T
R
I
B
U
I

15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55

43
0.220
0.236
0.251
0.266
0.281
0.297
0.312
0.328
0.344
0.359
0.375
0.391
0.407
0.423
0.439
0.455
0.471
0.487
0.503
0.519
0.536

44
0.228
0.244
0.260
0.275
0.291
0.307
0.323
0.339
0.356
0.372
0.388
0.404
0.421
0.437
0.454
0.470
0.487
0.504
0.521
0.537
0.554
0.571

45
0.236
0.252
0.269
0.285
0.302
0.318
0.335
0.351
0.368
0.385
0.402
0.419
0.436
0.453
0.470
0.487
0.504
0.522
0.539
0.556
0.574
0.592
0.609

46
0.245
0.262
0.279
0.296
0.313
0.330
0.347
0.364
0.381
0.399
0.416
0.434
0.451
0.469
0.487
0.505
0.523
0.540
0.558
0.576
0.595
0.613
0.631
0.649

47
0.254
0.271
0.289
0.306
0.324
0.342
0.360
0.377
0.395
0.413
0.432
0.450
0.468
0.486
0.505
0.523
0.542
0.560
0.579
0.598
0.616
0.635
0.654
0.673
0.692

48
0.263
0.281
0.300
0.318
0.336
0.355
0.373
0.392
0.410
0.429
0.448
0.467
0.485
0.504
0.523
0.543
0.562
0.581
0.600
0.620
0.639
0.659
0.678
0.698
0.718
0.738

49
0.273
0.292
0.311
0.330
0.349
0.368
0.387
0.407
0.426
0.445
0.465
0.484
0.504
0.524
0.543
0.563
0.583
0.603
0.623
0.643
0.663
0.684
0.704
0.725
0.745
0.766
0.786

50
0.284
0.303
0.323
0.343
0.362
0.382
0.402
0.422
0.442
0.462
0.483
0.503
0.523
0.544
0.564
0.585
0.606
0.626
0.647
0.668
0.689
0.710
0.731
0.752
0.774
0.795
0.816
0.838

51
0.295
0.315
0.336
0.356
0.377
0.397
0.418
0.439
0.460
0.481
0.502
0.523
0.544
0.565
0.586
0.608
0.629
0.651
0.672
0.694
0.716
0.738
0.760
0.782
0.804
0.826
0.848
0.871
0.893

52
0.307
0.328
0.349
0.371
0.392
0.413
0.435
0.456
0.478
0.500
0.522
0.544
0.566
0.588
0.610
0.632
0.654
0.677
0.699
0.722
0.745
0.767
0.790
0.813
0.836
0.859
0.882
0.905
0.929
0.952

53
0.319
0.341
0.363
0.386
0.408
0.430
0.452
0.475
0.497
0.520
0.543
0.566
0.589
0.611
0.635
0.658
0.681
0.704
0.728
0.751
0.775
0.798
0.822
0.846
0.870
0.894
0.918
0.942
0.966
0.990
1.015

54
0.333
0.356
0.379
0.402
0.425
0.448
0.471
0.495
0.518
0.542
0.565
0.589
0.613
0.637
0.661
0.685
0.709
0.733
0.758
0.782
0.807
0.831
0.856
0.881
0.906
0.931
0.956
0.981
1.006
1.031
1.057
1.082

55
0.347
0.371
0.395
0.419
0.443
0.467
0.491
0.516
0.540
0.565
0.589
0.614
0.639
0.664
0.689
0.714
0.739
0.764
0.790
0.815
0.841
0.867
0.892
0.918
0.944
0.970
0.996
1.022
1.049
1.075
1.101
1.128
1.155

56
0.362
0.387
0.412
0.437
0.462
0.487
0.513
0.538
0.564
0.589
0.615
0.641
0.667
0.693
0.719
0.745
0.771
0.797
0.824
0.850
0.877
0.904
0.931
0.958
0.985
1.012
1.039
1.066
1.094
1.121
1.149
1.176
1.204
1.232

57
0.378
0.404
0.430
0.456
0.482
0.509
0.535
0.562
0.588
0.615
0.642
0.669
0.696
0.723
0.750
0.778
0.805
0.833
0.860
0.888
0.916
0.944
0.972
1.000
1.028
1.056
1.084
1.113
1.142
1.170
1.199
1.228
1.257
1.286
1.315

58
0.395
0.422
0.449
0.477
0.504
0.532
0.559
0.587
0.615
0.643
0.671
0.699
0.727
0.755
0.784
0.812
0.841
0.870
0.899
0.928
0.957
0.986
1.015
1.044
1.074
1.103
1.133
1.163
1.193
1.223
1.253
1.283
1.313
1.343
1.374
1.404

59
0.413
0.442
0.470
0.499
0.528
0.556
0.585
0.614
0.643
0.673
0.702
0.731
0.761
0.791
0.820
0.850
0.880
0.910
0.940
0.971
1.001
1.031
1.062
1.093
1.124
1.154
1.185
1.217
1.248
1.279
1.311
1.342
1.374
1.405
1.437
1.469
1.501

60
0.433
0.463
0.492
0.522
0.552
0.582
0.613
0.643
0.674
0.704
0.735
0.766
0.797
0.828
0.859
0.890
0.921
0.953
0.984
1.016
1.048
1.080
1.112
1.144
1.176
1.208
1.241
1.273
1.306
1.339
1.372
1.405
1.438
1.471
1.504
1.538
1.571
1.605

61
0.454
0.485
0.516
0.547
0.579
0.611
0.642
0.674
0.706
0.738
0.770
0.802
0.835
0.867
0.900
0.933
0.966
0.999
1.032
1.065
1.098
1.132
1.165
1.199
1.232
1.266
1.300
1.334
1.369
1.403
1.437
1.472
1.507
1.541
1.576
1.611
1.646
1.681
1.717

62
0.476
0.509
0.542
0.575
0.608
0.641
0.674
0.708
0.741
0.775
0.809
0.842
0.876
0.911
0.945
0.979
1.014
1.048
1.083
1.118
1.153
1.188
1.223
1.258
1.294
1.329
1.365
1.401
1.436
1.472
1.509
1.545
1.581
1.618
1.654
1.691
1.728
1.765
1.802
1.839

63
0.500
0.535
0.569
0.604
0.638
0.673
0.708
0.743
0.779
0.814
0.849
0.885
0.921
0.956
0.992
1.028
1.065
1.101
1.137
1.174
1.211
1.248
1.284
1.322
1.359
1.396
1.433
1.471
1.509
1.546
1.584
1.622
1.661
1.699
1.737
1.776
1.814
1.853
1.892
1.931
1.970

64
0.527
0.563
0.599
0.635
0.672
0.709
0.745
0.782
0.819
0.857
0.894
0.931
0.969
1.007
1.044
1.082
1.120
1.159
1.197
1.235
1.274
1.313
1.352
1.391
1.430
1.469
1.508
1.548
1.588
1.627
1.667
1.707
1.747
1.788
1.828
1.869
1.909
1.950
1.991
2.032
2.073

65
0.555
0.593
0.631
0.669
0.708
0.746
0.785
0.824
0.863
0.902
0.941
0.981
1.020
1.060
1.100
1.140
1.180
1.220
1.261
1.301
1.342
1.383
1.423
1.464
1.506
1.547
1.588
1.630
1.672
1.714
1.756
1.798
1.840
1.882
1.925
1.967
2.010
2.053
2.096
2.139
2.183

66
0.586
0.626
0.666
0.707
0.747
0.788
0.829
0.870
0.911
0.952
0.994
1.035
1.077
1.119
1.161
1.203
1.245
1.288
1.331
1.373
1.416
1.459
1.502
1.546
1.589
1.633
1.676
1.720
1.764
1.808
1.853
1.897
1.942
1.986
2.031
2.076
2.121
2.167
2.212
2.258
2.303

67
0.619
0.661
0.704
0.747
0.789
0.832
0.876
0.919
0.962
1.006
1.050
1.094
1.138
1.182
1.226
1.271
1.316
1.361
1.405
1.451
1.496
1.541
1.587
1.633
1.678
1.724
1.771
1.817
1.863
1.910
1.957
2.004
2.051
2.098
2.145
2.193
2.240
2.288
2.336
2.384
2.433

68
0.655
0.700
0.745
0.791
0.836
0.882
0.927
0.973
1.019
1.066
1.112
1.158
1.205
1.252
1.299
1.346
1.393
1.441
1.488
1.536
1.584
1.632
1.680
1.729
1.777
1.826
1.875
1.924
1.973
2.023
2.072
2.122
2.171
2.221
2.272
2.322
2.372
2.423
2.474
2.525
2.576

69
0.694
0.742
0.790
0.838
0.886
0.934
0.982
1.031
1.080
1.129
1.178
1.227
1.277
1.326
1.376
1.426
1.476
1.526
1.577
1.627
1.678
1.729
1.780
1.831
1.883
1.934
1.986
2.038
2.090
2.142
2.194
2.247
2.300
2.353
2.406
2.459
2.512
2.566
2.620
2.674
2.728

Elaborao: MPS/SPS.

70
0.737
0.787
0.838
0.889
0.940
0.991
1.043
1.094
1.146
1.198
1.250
1.302
1.355
1.407
1.460
1.513
1.566
1.620
1.673
1.727
1.781
1.835
1.889
1.943
1.998
2.052
2.107
2.162
2.218
2.273
2.329
2.384
2.440
2.496
2.553
2.609
2.666
2.723
2.780
2.837
2.894

FATOR PREVIDENCIRIO 2000 (TABELA IBGE 1998)


IDADE DA APOSENTADORIA

T
E
M
P
O
D
E
C
O
N
T
R
I
B
U
I

15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55

43
0.221
0.237
0.252
0.267
0.283
0.298
0.314
0.329
0.345
0.361
0.377
0.392
0.408
0.424
0.440
0.457
0.473
0.489
0.505
0.522
0.538

44
0.229
0.245
0.261
0.277
0.293
0.309
0.325
0.341
0.357
0.373
0.390
0.406
0.423
0.439
0.456
0.473
0.489
0.506
0.523
0.540
0.557
0.574

45
0.237
0.254
0.270
0.287
0.303
0.320
0.336
0.353
0.370
0.387
0.404
0.421
0.438
0.455
0.472
0.489
0.507
0.524
0.542
0.559
0.577
0.594
0.612

46
0.246
0.263
0.280
0.297
0.314
0.331
0.349
0.366
0.383
0.401
0.418
0.436
0.454
0.471
0.489
0.507
0.525
0.543
0.561
0.579
0.597
0.616
0.634
0.652

47
0.255
0.273
0.290
0.308
0.326
0.343
0.361
0.379
0.397
0.415
0.434
0.452
0.470
0.489
0.507
0.526
0.544
0.563
0.582
0.600
0.619
0.638
0.657
0.676
0.695

48
0.265
0.283
0.301
0.319
0.338
0.356
0.375
0.393
0.412
0.431
0.450
0.469
0.488
0.507
0.526
0.545
0.564
0.584
0.603
0.623
0.642
0.662
0.682
0.701
0.721
0.741

49
0.275
0.294
0.312
0.332
0.351
0.370
0.389
0.408
0.428
0.447
0.467
0.487
0.506
0.526
0.546
0.566
0.586
0.606
0.626
0.646
0.667
0.687
0.707
0.728
0.749
0.769
0.790

50
0.285
0.305
0.325
0.344
0.364
0.384
0.404
0.424
0.444
0.465
0.485
0.505
0.526
0.546
0.567
0.588
0.608
0.629
0.650
0.671
0.692
0.713
0.735
0.756
0.777
0.799
0.820
0.842

51
0.297
0.317
0.337
0.358
0.379
0.399
0.420
0.441
0.462
0.483
0.504
0.525
0.547
0.568
0.589
0.611
0.632
0.654
0.676
0.698
0.719
0.741
0.764
0.786
0.808
0.830
0.853
0.875
0.897

52
0.308
0.330
0.351
0.372
0.394
0.415
0.437
0.459
0.480
0.502
0.524
0.546
0.568
0.591
0.613
0.635
0.658
0.680
0.703
0.725
0.748
0.771
0.794
0.817
0.840
0.863
0.887
0.910
0.933
0.957

53
0.321
0.343
0.365
0.388
0.410
0.432
0.455
0.477
0.500
0.523
0.546
0.569
0.592
0.615
0.638
0.661
0.685
0.708
0.731
0.755
0.779
0.803
0.826
0.850
0.874
0.898
0.923
0.947
0.971
0.996
1.020

54
0.335
0.358
0.381
0.404
0.427
0.450
0.474
0.497
0.521
0.545
0.568
0.592
0.616
0.640
0.664
0.689
0.713
0.737
0.762
0.786
0.811
0.836
0.861
0.886
0.911
0.936
0.961
0.986
1.011
1.037
1.062
1.088

55
0.349
0.373
0.397
0.421
0.445
0.470
0.494
0.519
0.543
0.568
0.593
0.617
0.642
0.668
0.693
0.718
0.743
0.769
0.794
0.820
0.845
0.871
0.897
0.923
0.949
0.975
1.001
1.028
1.054
1.081
1.107
1.134
1.161

56
0.364
0.389
0.414
0.439
0.465
0.490
0.515
0.541
0.567
0.592
0.618
0.644
0.670
0.696
0.723
0.749
0.775
0.802
0.828
0.855
0.882
0.909
0.936
0.963
0.990
1.017
1.045
1.072
1.100
1.127
1.155
1.183
1.211
1.239

57
0.380
0.406
0.432
0.459
0.485
0.512
0.538
0.565
0.592
0.619
0.646
0.673
0.700
0.727
0.755
0.782
0.810
0.837
0.865
0.893
0.921
0.949
0.977
1.005
1.034
1.062
1.091
1.119
1.148
1.177
1.206
1.235
1.264
1.293
1.322

58
0.397
0.425
0.452
0.479
0.507
0.535
0.563
0.590
0.618
0.647
0.675
0.703
0.731
0.760
0.789
0.817
0.846
0.875
0.904
0.933
0.962
0.992
1.021
1.050
1.080
1.110
1.140
1.170
1.200
1.230
1.260
1.290
1.321
1.351
1.382
1.413

59
0.416
0.444
0.473
0.502
0.530
0.559
0.589
0.618
0.647
0.676
0.706
0.735
0.765
0.795
0.825
0.855
0.885
0.915
0.946
0.976
1.007
1.037
1.068
1.099
1.130
1.161
1.192
1.223
1.255
1.286
1.318
1.349
1.381
1.413
1.445
1.477
1.510

60
0.435
0.465
0.495
0.525
0.556
0.586
0.616
0.647
0.678
0.708
0.739
0.770
0.801
0.833
0.864
0.895
0.927
0.958
0.990
1.022
1.054
1.086
1.118
1.151
1.183
1.216
1.248
1.281
1.314
1.347
1.380
1.413
1.446
1.480
1.513
1.547
1.580
1.614

61
0.456
0.488
0.519
0.551
0.583
0.614
0.646
0.678
0.710
0.743
0.775
0.807
0.840
0.873
0.906
0.939
0.972
1.005
1.038
1.071
1.105
1.139
1.172
1.206
1.240
1.274
1.308
1.343
1.377
1.412
1.446
1.481
1.516
1.551
1.586
1.621
1.657
1.692
1.728

62
0.479
0.512
0.545
0.578
0.611
0.645
0.678
0.712
0.746
0.780
0.813
0.848
0.882
0.916
0.951
0.985
1.020
1.055
1.090
1.125
1.160
1.195
1.230
1.266
1.302
1.337
1.373
1.409
1.445
1.481
1.518
1.554
1.591
1.628
1.664
1.701
1.738
1.776
1.813
1.850

63
0.504
0.538
0.573
0.608
0.643
0.678
0.713
0.748
0.784
0.819
0.855
0.891
0.927
0.963
0.999
1.035
1.072
1.108
1.145
1.182
1.219
1.256
1.293
1.330
1.368
1.405
1.443
1.481
1.519
1.557
1.595
1.633
1.671
1.710
1.749
1.788
1.826
1.865
1.905
1.944
1.983

64
0.530
0.566
0.603
0.640
0.676
0.713
0.750
0.787
0.825
0.862
0.900
0.937
0.975
1.013
1.051
1.089
1.128
1.166
1.205
1.243
1.282
1.321
1.360
1.400
1.439
1.478
1.518
1.558
1.598
1.638
1.678
1.718
1.759
1.799
1.840
1.881
1.921
1.963
2.004
2.045
2.086

65
0.559
0.597
0.635
0.674
0.713
0.752
0.791
0.830
0.869
0.909
0.948
0.988
1.028
1.068
1.108
1.148
1.188
1.229
1.269
1.310
1.351
1.392
1.433
1.475
1.516
1.558
1.599
1.641
1.683
1.725
1.768
1.810
1.853
1.895
1.938
1.981
2.024
2.068
2.111
2.154
2.198

66
0.590
0.630
0.671
0.711
0.752
0.793
0.834
0.876
0.917
0.959
1.001
1.042
1.084
1.127
1.169
1.211
1.254
1.297
1.340
1.383
1.426
1.469
1.513
1.556
1.600
1.644
1.688
1.732
1.776
1.821
1.865
1.910
1.955
2.000
2.045
2.090
2.136
2.181
2.227
2.273
2.319

67
0.623
0.666
0.709
0.752
0.795
0.839
0.882
0.926
0.970
1.014
1.058
1.102
1.146
1.191
1.236
1.280
1.325
1.371
1.416
1.461
1.507
1.553
1.599
1.645
1.691
1.737
1.784
1.830
1.877
1.924
1.971
2.019
2.066
2.114
2.161
2.209
2.257
2.305
2.354
2.402
2.451

68
0.660
0.705
0.751
0.796
0.842
0.888
0.934
0.980
1.026
1.073
1.120
1.167
1.214
1.261
1.308
1.355
1.403
1.451
1.499
1.547
1.595
1.644
1.692
1.741
1.790
1.839
1.888
1.937
1.987
2.037
2.087
2.137
2.187
2.237
2.287
2.338
2.389
2.440
2.491
2.542
2.594

69
0.700
0.748
0.796
0.844
0.893
0.941
0.990
1.039
1.088
1.137
1.187
1.236
1.286
1.336
1.386
1.437
1.487
1.538
1.589
1.640
1.691
1.742
1.794
1.845
1.897
1.949
2.001
2.053
2.106
2.158
2.211
2.264
2.317
2.371
2.424
2.478
2.532
2.586
2.640
2.694
2.748

Elaborao: MPS/SPS.

70
0.743
0.793
0.845
0.896
0.947
0.999
1.051
1.103
1.155
1.207
1.259
1.312
1.365
1.418
1.471
1.525
1.578
1.632
1.686
1.740
1.794
1.848
1.903
1.958
2.013
2.068
2.123
2.179
2.234
2.290
2.346
2.402
2.459
2.515
2.572
2.629
2.686
2.743
2.801
2.858
2.916

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