Você está na página 1de 76

CARTILHA DE

EDUCAÇÃO
PREVIDENCIÁRIA IBDP
DIRETORIA CIENTÍFICA DO IBDP
Juliane Penteado Santana
Bruna Martos
Antonio Bazilio Floriani Neto
Gabriel Jotta
Wânia Alice Ferreira Lima Campos
Luana Horiuchi

DIRETORA RESPONSÁVEL
Jane Lucia Wilhelm Berwanger

AUTOR
Instituto Brasileiro de Direito Previdenciário

TÍTULO
Cartilha de Educação Previdênciária IBDP

PROJETO GRÁFICO E DIAGRAMAÇÃO


Carla Lemos

DADOS INTERNACIONAIS DE CATALOGAÇÃO NA PUBLICAÇÃO (CIP).


(CÂMARA BRASILEIRA DO LIVRO, SP, BRASIL)

Cartilha de educação previdenciária IBDP/ [organização Jane Lucia Wilhelm Berwanger]. –


Curitiba, PR: IBDP – Instituto Brasileiro de Direito Previdenciário, 2022.

%LEOLRJUD¿D
ISBN 978-65-87789-06-4

1. Aposentadoria – Aspectos sociais 2. Aposentadoria – Brasil 3. Aposentadoria – Leis e


legislação – Brasil 4. Aposentadoria – Planejamento 5. Benefícios (Direito previdenciário) 6.
Seguro social – Brasil 7. Seguro social – Leis e legislação – Brasil I. Berwanger, Jane Lucia
Wilhelm.

22-108210 CDU: 34.364.3(81)

Índices para catálogo sistemático: 1. Brasil : Direito previdenciário 34:364.3(81)


Eliete Marques da Silva – Bibliotecária – CRB-8/9380
APRESENTAÇÃO
 29ধ;<;38!9-£'-83&'-8'-;38'=-&'2$-Æ8-3;'1$313<1&'
9'<93#/'ধ=393(31'2;3''9;<&3&391!-9&-='8939;'1!97<'9'
8'('8'1Å68'=-&Í2$-!W38Ì1T6'8$'#'f9'7<'1<-;39$-&!&È392È3
;'1 3 $32,'$-1'2;3 1!-9 #Æ9-$3 93#8' 39 8'7<-9-;39 &' $32$'99È3
&39#'2'ऄ$-39T'96'$-!£1'2;'&-!2;'&'$329;!2;'91<&!2%!97<'!
£'+-9£!%È3='193(8'2&3239Ú£ধ139!239W
38-993T3 &'9'2=3£='<'99!$!8ধ£,!V6!8!£'=!8$32,'$-f
1'2;3 68'=-&'2$-Æ8-3 ! ;3&! 93$-'&!&'W $!8ধ£,! (3- &'9'2=3£=-&!
638-2;'+8!2;'9&!-8';38-!-'2঩)$!T7<'9'&'#8<%!8!193#8'39
68-2$-6!-9&-8'-;398'£!ধ=39Å68'=-&Í2$-!93$-!£'T&'(381!#'19-1f
6£'9'&-&Æধ$!T'?6£-$!8!1$313(<2$-32!!9'+<8-&!&'93$-!£'$!&!
<1&399'8=-%39'#'2'ऄ$-39W
-8';38-!&3 '96'8!7<';3&39!683='-;'1'99'$32,'f
$-1'2;3'3&-99'1-2'16!8!7<'1!-96'993!96399!19'!68368-!8
&'99'$32;'Ú&3W

-8';38-!-'2঩)$!
29ধ;<;38!9-£'-83&'-8'-;38'=-&'2$-Æ8-3

* Essa cartilha é de livre reprodução, desde que citada a fonte.


SUMÁRIO

1. SEGURIDADE SOCIAL – SAÚDE/ASSISTÊNCIA/PREVI-


DÊNCIA SOCIAL....................................................................... 1

2. FILIAÇÃO E INSCRIÇÃO ......................................................... 3

3. SALÁRIO-DE-CONTRIBUIÇÃO ............................................. 5

4. TEMPO DE SERVIÇO OU TEMPO DE CONTRIBUIÇÃO ..... 7

5. RENDA MENSAL INICIAL....................................................... 9

6. SEGURADOS OBRIGATÓRIOS E FACULTATIVOS ............ 11

7. FINANCIAMENTO DA SEGURIDADE SOCIAL ................. 14

8. DEPENDENTES ......................................................................... 19

9. AQUISIÇÃO E MANUTENÇÃO DA QUALIDADE DE SE-


GURADO .................................................................................... 21

10. CARÊNCIA .................................................................................. 24

11. DEPENDÊNCIA ECONÔMICA .............................................. 26


12. APOSENTADORIA POR INCAPACIDADE PERMANEN-
TE ................................................................................................. 28

13. APOSENTADORIA POR IDADE ............................................ 30

14. APOSENTADORIA POR TEMPO DE CONTRIBUIÇÃO .... 33

15. APOSENTADORIA ESPECIAL POR EXPOSIÇÃO A


AGENTES NOCIVOS À SAÚDE OU À INTEGRIDADE FÍ-
SICA ............................................................................................. 38

16. APOSENTADORIA DA PESSOA COM DEFICIÊNCIA ...... 41

17. AUXÍLIO POR INCAPACIDADE TEMPORÁRIA ................. 44

18. SALÁRIO-FAMÍLIA ................................................................... 46

19. SALÁRIO-MATERNIDADE...................................................... 48

20. AUXÍLIO-ACIDENTE ............................................................... 52

21. PENSÃO POR MORTE ............................................................. 55

22. AUXÍLIO-RECLUSÃO .............................................................. 59

23. ACIDENTE DE TRABALHO PARA FINS PREVIDENCIÁ-


RIOS ............................................................................................. 61

24. HABILITAÇÃO E REABILITAÇÃO PROFISSIONAL ........... 63

SIGLAS UTILIZADAS NAS AÇÕES PREVIDENCIÁRIAS ..................... 65

Cartilha - Educação previdenciária IBDP 6


1. SEGURIDADE SOCIAL – SAÚDE/
ASSISTÊNCIA/PREVIDÊNCIA SOCIAL
'9;<&3&3-8'-;38'=-&'2$-Æ8-3&'='9'168'!$32;'$'8$31
#!9'2!329ধ;<-%È3 '&'8!£&'ˆŽ¥¥'2!9'-9¥W‰ˆ‰cŽˆl£!23&'
<9;'-3 &! '+<8-&!&' 3$-!£m ' ¥W‰ˆŠcŽˆ l£!23 &' '2'ऄ$-39 &!
8'=-&Í2$-!3$-!£mW
38 -993T 3 $32$'-;3 &' 9'+<8-&!&' 93$-!£ 63&' 9'8 '2$32;8!&3
&'2;83&3;'?;3$329ধ;<$-32!£7<'&-96×''19'<!8ধ+3ˆŽ‹V“A se-
]†ub7-7;vo1b-Ѳ1olru;;m7;†l1omf†m|obm|;]u-7o7;-2ࡳ;v7;bmb1b-ࢼˆ-
7ovo7;u;vࣝ0Ѳb1ov;7-vo1b;7-7;Ķ7;vࢼm-7-v--vv;]†u-uov7bu;b|ov
u;Ѳ-ࢼˆov޲v-ࣝ7;Ķ޲ru;ˆb7߫m1b-;޲-vvbv|߫m1b-vo1b-ѲĸĽ
'+<8-&!&'93$-!£Ì<1$32$'-;3!16£3T7<'2È39<8+''?$£<f
9-=!1'2;'&33&'8Ú#£-$3T1!9&'<1!!%È3$32/<2;!$31!63f
6<£!%È3 7<' =-9' 3 #'1f'9;!8 93$-!£T 23 9'2ধ&3 &' $336'8!%È3 '
93£-&!8-'&!&'W
1'?'16£3&'(Æ$-£$3168''29È393#8''99!!;<!%È3$32/<2;!
63&'9'823;!&32!9!Ú&'T7<'<ধ£-A!&'$!16!2,!96<#£-$-;Æ8-!9'
(382'$-1'2;3&'1'&-$!1'2;396!8!'88!&-$!8&3'2%!9T!£Ì1&!6!8f
ধ$-6!%È3&!93$-'&!&'$-=-£W
$32$'-;3&'9'+<8-&!&'93$-!£/Æ(3-!68'9'2;!&3W+38!T6!8!
$316£'1'2;!8TÌ68'$-93$32,'$'89'<9;8Í96-£!8'9&'9<9;'2;!%È3T
9<!#!9'T7<'9È3V!9!Ú&'T!!99-9;Í2$-!'!68'=-&Í2$-!W 99'9;8Í9T
/<2;39T(381!1!'+<8-&!&'3$-!£W
9!Ú&'T68'=-9;!'2;8'39!8ধ+39ˆŽ¤'‰‡‡&!329ধ;<-%È3TÌ
<1&-8'-;3&';3&39'&'='8&3 9;!&3W3+3T9'Ì<1&-8'-;3&';3&39
&'='9'8+!8!2ধ&!9'17<!£7<'8$32&-%È3T9'2&37<'7<!£7<'86'9f
93!63&';'8!$'993Å9!Ú&'6Ú#£-$!T!-2&!7<'6399!6!+!8638<1
!;'2&-1'2;36!8ধ$<£!8W9!Ú&'=-9!68313='8!8'&<%È3&'8-9$3&'
&3'2%!9'!$'993!9'8=-%39#Æ9-$39&'9!Ú&''9!2'!1'2;3W
!99-9;Í2$-!93$-!£Ì9'168'68'9;!&!!7<'1&'£!2'$'99-;!8T
9'1 2'$'99-&!&' &' $32;8-#<-%È3 !£+<1!W 99-1T 3 Ú2-$3 8'7<-9-;3
6!8!3!<?У-3!99-9;'2$-!£Ì!2'$'99-&!&'&3!99-9ধ&3W³38+!2-A!&!T

7 Cartilha - Educação previdenciária IBDP


!;<!£1'2;'T6'£3-2-9;Ì8-3&!-&!&!2-!W1&39#'2'ऄ$-39£-+!&39
Å 99-9;Í2$-! 3$-!£ Ì 3  g #'2'ऄ$-3 &' 68'9;!%È3 $32ধ2<!&!W
£' Ì ! +!8!2ধ! &' <1 9!£Æ8-3f1Ð2-13 ! 6'993! -&39! $31 1!-9 &'
¤Œ!239'!6'993!$31&')$-Í2$-!W1#39&'='1$31683=!83'2f
7<!&8!1'2;36'£!8'2&!6'8$!6-;!(!1-£-!8&'ҵ&39!£Æ8-3f1Ð2-13
=-+'2;'W
-2!£1'2;'T ! 68'=-&Í2$-! 93$-!£ Ì 38+!2-A!&! 93# ! (381! &3
'+-1' '8!£&'8'=-&Í2$-!3$-!£T&'$!8Æ;'8$32;8-#<ধ=3')£-!%È3
3#8-+!;Õ8-!T 3#9'8=!&39 $8-;Ì8-39 7<' 68'9'8='1 3 '7<-£Ð#8-3 )2!2f
$'-83 ' !;<!8-!£ l!8ধ+3 ‰‡ˆT 329ধ;<-%È3 '&'8!£mW3 $32;8Æ8-3 &39
3<;8398!139&!9'+<8-&!&'T!68'=-&Í2$-!Ì!Ú2-$!7<'&'6'2&'&'
$32;8-#<-%È3W
9939-+2-)$!7<'6!8!38'$'#-1'2;3&'7<!£7<'8#'2'ऄ$-3&!
8'=-&Í2$-!3$-!£Ì2'$'99Æ8-37<',!/!!$32;8!6!8ধ&!&!$32;8-#<-f
%È3T3<9'/!TÌ68'$-93;'83&'=-&3$<9;'-3!'£'W
'2&3!99-1T$313;3&39'+<83T!$32;8-#<-%È3&'=''?-9ধ8T63f
8Ì1 6389'8<1 9'+<8393$-!£T'?-9;'1 6'$<£-!8-&!&'9 &'-2$£<9È3'
1!2<;'2%È3 !3 8'+-1' 68'=-&'2$-Æ8-3T $32(381' '9$£!8'$'8'139 !
9'+<-8W

Cartilha - Educação previdenciária IBDP 8


2. FILIAÇÃO E INSCRIÇÃO
31#!9'2368-2$Ð6-3&!)£-!%È33#8-+!;Õ8-!T2-2+<Ì163&'&'-f
?!8&')£-!8f9'Å68'=-&Í2$-!93$-!£'8'$3£,'8$32;8-#<-%È393$-!£T$!93
!£'-'9;!#'£'%!$313(!;3+'8!&38!£+<1!9-;<!%È3'17<'-2$388!W
'2,<1!6'993!7<''?'8%!;8!#!£,38'1<2'8!&363&')$!8-9'2;!
&'$32;8-#<-8$316!8$'£!&'9'<9+!2,39W-2&-=Ð&<3'27<!&8!&3
$3139'+<8!&33#8-+!;Õ8-39'168';'8Æ!3#8-+!%È3&'8'!£-A!8$32f
;8-#<-%×'968'=-&'2$-Æ8-!9W
38&')2-%È3T;'1397<')£-!%È3Ì3=Ð2$<£3/<8Ð&-$37<'9''9f
;!#'£'$''2;8'6'993!97<'$32;8-#<'1$3139'+<8!&396!8!!8'f
=-&Í2$-!3$-!£W)£-!&3!3 '9;Æ9</'-;3Å98'+8!9&!£'-&'$<9f
;'-3'#'2'ऄ$-3&38'+-1'W T6383<;83£!&3T3 ;'13&'='8&'
68'9;!89'<99'8=-%3968'=-&'2$-Æ8-39l$313$<168-1'2;3&398'7<-f
9-;39m'&''?-+-836!+!1'2;3&'$32;8-#<-%×'9W
19Ð2;'9'T!)£-!%È3&'$388'!<;31!ধ$!1'2;'&3'?'8$Ð$-3&'
!ধ=-&!&'8'1<2'8!&!6!8!399'+<8!&393#8-+!;Õ8-39'&!-29$8-%È3
(381!£-A!&!$3136!+!1'2;3&!68-1'-8!$32;8-#<-%È36!8!39'+<f
8!&3(!$<£;!ধ=3W
31-993T63&'139&-9ধ2+<-8!)£-!%È3'13#8-+!;Õ8-!'(!$<£f
;!ধ=!W!3#8-+!;Õ8-!,Æ3-2+8'993-1'&-!;3&39'+<8!&3f9'/!'£'
'168'+!&3&31Ì9ধ$3T;8!#!£,!&38!<;Ö2313T9'+<8!&3'96'$-!£T3<
7<!£7<'83<;8!$£!99'&'9'+<8!&33#8-+!;Õ8-3g239-9;'1!68'=-&'2f
$-Æ8-3T-2&'6'2&'2;'1'2;'&'9<!=32;!&'W
18'+8!T239$!939&')£-!%È33#8-+!;Õ8-!!$316';Í2$-!6!8!
6!+!83 Ì&3'168'+!&38W38-993T23131'2;3'17<'9'-2-f
$-!3'?'8$Ð$-3&'!ধ=-&!&'8'1<2'8!;Õ8-!T9<8+'!6399-#-£-&!&'&'
6£'-;'!8#'2'ऄ$-39T&'9&'7<'8'96'-;!&39;3&39398'7<-9-;39$313
!$!8Í2$-!T3<;'163&'$32;8-#<-%È3W
?$'%È3!'99!8'+8!Ì332;8-#<-2;' 2&-=-&<!£7<'!6'9!8&'
9'+<8!&33#8-+!;Õ8-3T68'$-9!&3'('ধ=38'$3£,-1'2;3&'$32;8-#<-f
%È3 68'=-&'2$-Æ8-! 6!8! 7<' ,!/! 3 =Ð2$<£3 68'=-&'2$-Æ8-3T 6387<'

9 Cartilha - Educação previdenciária IBDP


2'99'9 $!939 ! 3#8-+!%È3 &' 6!+!8 ! $32;8-#<-%È3 Ì &'£' 1'913T '
2È3&'<1'168'+!&38W
Æ!)£-!%È3(!$<£;!ধ=!3$388'T$313368Õ68-3231'-2('8'T!39
9'+<8!&39(!$<£;!ধ=39T7<'63&'13<2È39'$!&!9;8!8T&'6'2&'2&3
&'9<!=32;!&'T$3133$388'$3139'9;<&!2;'9T638'?'16£3W
-29$8-%È3T6389<!='ATÌ#<83$8Æধ$!T$329ধ;<-!;3&'(381!f
£-A!%È3 $!&!9;8!£ &3 -2&-=Ð&<3 l9'+<8!&3 3< &'6'2&'2;'m 6'8!2;' !
8'=-&Í2$-!3$-!£T6!8!7<'6399!9'8-&'2ধ)$!&3W3+3T7<'1'?'8f
$'1!-9&'<1!!ধ=-&!&'8'1<2'8!&!l9</'-;!!3 mT&'='9'8-29f
$8-;3'1$!&!<1!&'£!9W
'99'9'2ধ&3T!68-2$-6!£&-('8'2%!6!8!399'+<8!&393#8-+!;Õf
8-39'(!$<£;!ধ=39Ì7<'6!8!3968-1'-839T3$388'!)£-!%È3'&'63-9
!-29$8-%È3T'27<!2;37<'6!8!399'+<2&39T,Æ!-29$8-%È3'$313
6!+!1'2;3'1&-!T9'&Æ!)£-!%È3T(381!£-A!2&3f9'3=Ð2$<£3/<8Ð&-$3
$3138'+-1'&'68'=-&Í2$-!93$-!£W

Cartilha - Educação previdenciária IBDP 10


3. SALÁRIO-DE-CONTRIBUIÇÃO
 9!£Æ8-3 &' $32;8-#<-%È3 9'8=' $313 #!9' &' $Æ£$<£3 &' $32f
;8-#<-%×'9&399'+<8!&39'&3'168'+!&38&31Ì9ধ$3W 99!#!9'&'
$Æ£$<£36399<-<1£-1-;'T$32,'$-&3$313;';3&!68'=-&Í2$-!93$-!£W
!8! 3 !23 &' ‰‡‰‰ Ì &' ‚ W‡¥T‰‰W '2,<1 9'+<8!&3 63&'8Æ
$32;8-#<-8'1=!£389<6'8-38!'99'W
313$329'7<Í2$-!&',!='8<1;';36!8!39'+<8!&3T,Æ;!1f
#Ì1<11Ð2-137<'&'='9'8$32;8-#<Ð&3W!8!399'+<8!&39'168'f
+!&3T'168'+!&3&31Ì9ধ$3';8!#!£,!&38!=<£93T3£-1-;'1Ð2-13&3
9!£Æ8-3&'$32;8-#<-%È39'8Æ$388'9632&'2;'!36-939!£!8-!£&!$!;'f
+38-!T-2'?-9ধ2&3'9;'T!39!£Æ8-31Ð2-13W<-;3-1638;!2;'6'8$'#'8
7<'3£-1-;'&'99!9$!;'+38-!9T'18'+8!T2È3Ì39!£Æ8-31Ð2-13T1!9
36-939!£!8-!£&!$!;'+38-!W6'2!9239$!939'17<'2È3'?-9;!6-93
Ì7<'9'!6£-$!39!£Æ8-31Ð2-13
Æ 3 £-1-;' 1Ð2-13 6!8! 39 9'+<8!&39 $32;8-#<-2;' -2&-=-&<!£ '
(!$<£;!ধ=39'8Æ39!£Æ8-31Ð2-13W
-2&!T,Æ&-('8'2%!'2;8'39!£Æ8-3&'$32;8-#<-%È3'!8'1<2'8!f
%È3U'27<!2;339!£Æ8-3&'$32;8-#<-%È3Ì!#!9'6!8!$Æ£$<£3&399'f
+<8!&39T!8'1<2'8!%È3Ì!#!9'&'$Æ£$<£396!8!!9'168'9!9W 99!T
6389<!='AT2È36399<-£-1-;'W38'?'16£3T<1!'168'9!7<'$32f
;8!;!<1(<2$-32Æ8-3$31<19!£Æ8-3&'‚ˆ‡W‡‡‡T‡‡$32;8-#<-8Æ$31
#!9'2'99'=!£38T!-2&!7<'9<6'8-38!3;';3&!68'=-&Í2$-!93$-!£W
 !8ধ+3 ‰¥ &! '- ¥W‰ˆ‰cŽˆ ;8!;! &3 9!£Æ8-3f&'f$32;8-#<-%È3
&')2-2&3 7<' '2;'2&'f9' 638 9!£Æ8-3 &' $32;8-#<-%È3 [6!8! 3 '1f
68'+!&3 ' ;8!#!£,!&38 !=<£93V ! 8'1<2'8!%È3 !<('8-&! '1 <1! 3<
1!-9'168'9!9T!99-1'2;'2&-&!!;3;!£-&!&'&398'2&-1'2;396!+39T
&'=-&393<$8'&-;!&39!7<!£7<'8঩;<£3T&<8!2;'31Í9T&'9ধ2!&39!
8';8-#<-83;8!#!£,3T7<!£7<'87<'9'/!!9<!(381!T-2$£<9-='!9+38/'f
;!9T39+!2,39,!#-;<!-993#!(381!&'<ধ£-&!&'9'39!&-!2;!1'2f
;39&'$388'2;'9&'8'!/<9;'9!£!8-!£T7<'86'£399'8=-%39'('ধ=!1'2;'
68'9;!&39T7<'86'£3;'163Å&-9639-%È3&3'168'+!&383<;31!&38

11 Cartilha - Educação previdenciária IBDP


&'9'8=-%39239;'8139&!£'-3<&3$32;8!;33<T!-2&!T&'$32='2%È3
3<!$38&3$3£'ধ=3&';8!#!£,33<9'2;'2%!2381!ধ=!U\
19<1!TÌ3=!£38&!8'1<2'8!%È393#8'!7<!£-2$-&'!$32;8-f
#<-%È368'=-&'2$-Æ8-!T3<9'/!V3=!£38&39!£Æ8-3&3'168'+!&3U&39
,3238Æ8-39&3683)99-32!££-#'8!£U&368Õf£!#38'&399Õ$-39U';$W
31-993T=!139!<1'?'16£368Æধ$3V3È3Ì683('99382!9'9f
$3£!9T' T9'2&39'+<8!&3'168'+!&3W'<9!£Æ8-3&'$32;8-#<-f
%È3 &'='8Æ 9'8 $388'9632&'2;' !3 931!;Õ8-3 &39 Š 9!£Æ8-39 8'$'#-f
&39T638;!2;3T'£'&'='8Æ$31<2-$!8!;3&3939'168'+!&38'993#8'
!'?-9;Í2$-!&39&'1!-9=Ð2$<£39W!&!'9$3£!&'='8Æ&'9$32;!8!!£Ðf
7<3;!93#8'3=!£38;3;!£T'2È393#8'3=!£387<'6!+!'('ধ=!1'2;'W
'99' 9'2ধ&3T Ì -1638;!2;' 9!#'8 9' 3 9'+<8!&3 '9;Æ $32;8-f
#<-2&3&'2;83&3£-1-;'&3;';3T'-97<'7<!2&39'&'89<!!639'2;!f
&38-!3<7<!£7<'8#'2'ऄ$-3&'68'9;!%È3$32ধ2<!&!T3$Æ£$<£36!8!
'9;'9!ধ2+-8Æ3£-1-;'&3;';3&!Ì63$!W'99!(381!T39=!£38'96!f
+39!1!-382È3-2;'+8!8È33$Æ£$<£3W

Cartilha - Educação previdenciária IBDP 12


4. TEMPO DE SERVIÇO OU TEMPO DE
CONTRIBUIÇÃO
È38!83T3$388'1$32(<9×'9$3139$32$'-;39&';'163&'9'8f
=-%3T;'163&'$32;8-#<-%È3'!$!8Í2$-!T2'$'99Æ8-396!8!!$32$'9f
9È3&'<1#'2'ऄ$-368'=-&'2$-Æ8-3W 9;'9-29ধ;<;39&3-8'-;38'f
=-&'2$-Æ8-3 9È3 '99'2$-!-9 2! 68Æধ$! ' 2! ;'38-! 7<' 6399<'1 9<!9
&-('8'2%!9'?6£-$!&!9!9'+<-8W
-2&!T!6'9!8&'9'8=-86!8!='8-)$!8!'?-9;Í2$-!3<2È3&'$!f
8Í2$-!T;'163&'$32;8-#<-%È3Ì$32;!&3&'(381!&-('8'2;''39&3-9
-29ধ;<;39 2È3 &'='1 9'8 $32(<2&-&39W $!8Í2$-!T '1 !6'8;!&3 8'f
9<13T=-9;37<'9'8Æ3#/';3&'3<;83;'?;3TÌ32Ú1'831Ð2-13&'
$32;8-#<-%×'97<'<1#'2'ऄ$-3'?-+'6!8!7<'9'/!$32$'&-&3W
!8!1'£,38$3168''2&'8139T3'$8';3‰Wˆ‰cŽT/Æ8'=3f
+!&3T ;8!A-! '1 9'< !8ধ+3 Œ ! 9'+<-2;' &')2-%È3 &' ;'163 &'
9'8=-%3V[329-&'8!f9';'163&'9'8=-%33;'163T$32;!&3&'&!;!
!&!;!T&'9&'3-2Ð$-3!;Ì!&!;!&38'7<'8-1'2;33<&3&'9£-+!f
1'2;3 &' !ধ=-&!&' !#8!2+-&! 6'£! 68'=-&Í2$-! 93$-!£T &'9$32;!f
&39396'8Ð3&39£'+!£1'2;''9;!#'£'$-&39$313&'9<96'29È3&'
$32;8!;3&';8!#!£,3T&'-2;'88<6%È3&''?'8$Ð$-3'&'&'9£-+!1'2f
;3&!!ধ=-&!&'W\
389<!='AT3'$8';3ŠW‡‹¥cŽŽT;8!A-!'19'<!8ধ+3ŒŽT;!1f
#Ì18'=3+!&3T39'+<-2;'$32$'-;3V[329-&'8!f9';'163&'$32;8-f
#<-%È3 3 ;'163T $32;!&3 &' &!;! ! &!;!T &'9&' 3 -2Ð$-3 !;Ì ! &!;!
&3 8'7<'8-1'2;3 3< &3 &'9£-+!1'2;3 &' !ধ=-&!&' !#8!2+-&! 6'£!
68'=-&Í2$-! 93$-!£T &'9$32;!&39 39 6'8Ð3&39 £'+!£1'2;' '9;!#'£'$-f
&39$313&'9<96'29È3&'$32;8!;3&';8!#!£,3T&'-2;'88<6%È3&'
'?'8$Ð$-3'&'&'9£-+!1'2;3&!!ধ=-&!&'W\
³ 6399Ð='£ 6'8$'#'8 7<' 39 $32$'-;39 9È3 -&Í2ধ$39T 1!9 ,3<f
='!!£;'8!%È3&3;'813[;'163&'9'8=-%3\6!8![;'163&'$32;8-f
#<-%È3\W!£;'8!%È3(3-1!2ধ&!T'1'913$31!'&-%È3&3'$8';3
ˆ‡W‹ˆ‡c‰‡T7<'!£;'83<38'+<£!1'2;3&!8'=-&Í2$-!3$-!£T3;'813
<ধ£-A!&3Ì;'163&'$32;8-#<-%È3';'1638&')2-%È3[3;'163$38f

13 Cartilha - Educação previdenciária IBDP


8'9632&'2;' !39 6'8Ð3&39 6!8! 39 7<!-9 ;'2,! ,!=-&3 $32;8-#<-%È3
3#8-+!;Õ8-!3<(!$<£;!ধ=!!3 \W
99! 1<&!2%! &' 231'2$£!;<8! 9' &'=' '99'2$-!£1'2;' 6'£!
13&-)$!%È3 &! 68Õ68-! 2!;<8'A! ' 8'7<-9-;39 &39 #'2'ऄ$-39 68'=-f
&'2$-Æ8-39W 313 /Æ '9$£!8'$'139 !$-1!T ! 8'=-&Í2$-! 3$-!£ ;'1
2!;<8'A!$32;8-#<ধ=!T9'2&3!99-137<'$32;!6!8!!!639'2;!&38-!
Ì3;'163$32;8-#<Ð&3'2È3!6'2!93;'1636<8!1'2;';8!#!£,!&3
3<[&'9'8=-%3\W
 ;'163 &' 9'8=-%3 63&'8Æ 9'8 <ধ£-A!&3 $313 #!9' 6!8! <1
;'163 &' $32;8-#<-%È3T 7<'T '1 !£+<29 $!939T )$!8 &'1329;8!&! !
8'£!%È3'168'+!঩$-!'2È3,3<='89-&3'168'+!&!!!88'$!&!%È3'
$32;8-#<-%È3!$!8+3&3'168'+!&38W Æ;!1#Ì1!$-8$<29;Ç2$-!&3
68Õ68-3$32;8-#<-2;'-2&-=-&<!£68313='8398'$3£,-1'2;39'1!;8!93
6!8!7<'3;'163&'9'8=-%39'$316<;'6!8!)29&'$32;8-#<-%È3W
38Ì1TÌ(!;37<'3&'=-&36!+!1'2;3&!$32;8-#<-%È3&'='9'8'('f
;<!&3W
99-1T;'163&'$32;8-#<-%È3Ì!7<'£'6'8Ð3&3'17<'39'f
+<8!&3 '?'8$'< !ধ=-&!&' 8'1<2'8!&! ' $32;8-#<-< Å 8'=-&Í2$-!
3$-!£W

Cartilha - Educação previdenciária IBDP 14


5. RENDA MENSAL INICIAL
8'2&!1'29!£-2-$-!£l mÌ3=!£38'('ধ=!1'2;'6!+3!39'f
+<8!&323131'2;3&!$32$'99È3&3#'2'ऄ$-3TÌ3=!£381'29!£7<'
'£'&'='8Æ8'$'#'8W £'Ì!('8-&32!&!;!&'-16£'1'2;!%È3&3#'2'f
ऄ$-3l mT'=!8-!&'!$38&3$313#'2'ऄ$-3W
!£'&-A'87<'! 2È39'8Æ9'168'-+<!£T39'+<8!&3$31'%!
8'$'#'2&3<1=!£38''9;'93(8'!;<!£-A!%×'9'$388'%×'9l8'96'-;!2f
&3!;!#'£!&'8'!/<9;!1'2;3&3 mT(!A'2&3$317<'3=!£389'
!£;'8'W !ÐT 7<!2&3 !;<!£-A!&3 3< $388-+-&3T 6!99!139 ! &'231-2!8
&''2&!'29!£;<!£lm3<'29!£-&!&''!/<9;!&!lm'2È3
1!-9 W
3<ÌT638;!2;3T3=!£38!;<!£&3#'2'ऄ$-39'17<!£f
7<'8!$8Ì9$-133<&'$8Ì9$-13W³3#'2'ऄ$-3#8<;3W 1638;!2;'$3f
2,'$'8'99!&-9ধ2%È323131'2;3&'8'!£-A!%È3&39$Æ£$<£39W
'=3£;!Å T6!8!$!£$<£Æf£!TÌ68'$-939!#'83=!£38&3!£Æ8-3f
f&'f'2'ऄ$-3T7<'Ì!#!9'&3$Æ£$<£3&!8'2&!1'29!£-2-$-!£T3#ধ&3T
8'+8!+'8!£T6'£!1Ì&-!!8-;1Ìধ$!&399!£Æ8-39f&'f$32;8-#<-%È3W
#ধ&339!£Æ8-3f&'f#'2'ऄ$-3T!6£-$!f9'<1$3')$-'2;'l6'8$'2f
;<!£7<'=!8-!&'#'2'ऄ$-3!#'2'ऄ$-3mT'&!Ð$329'+<-139'2$32;8!8
3=!£387<'9'8Æ6!+3!39'+<8!&32!7<'£'131'2;3-2-$-!£W3&!9!9
(Õ81<£!96!8!3#;'2%È3&! =!8-!1&'!$38&3$313$!93$32$8'f
;3T638-993T-1638;!2;'!2!£-9!8&'1!2'-8!-2&-=-&<!£W
2;'9&!8'(381!&!68'=-&Í2$-!T;8!A-&!6'£! ˆ‡Šc‰‡ˆŽT3
$Æ£$<£3('-;3'8!T=-!&'8'+8!T39'+<-2;'V$!£$<£!=!f9'!1Ì&-!!8-;f
1Ìধ$!&!9¥‡¦1!-38'9$32;8-#<-%×'9&'9&'/<£,3&'ˆŽŽ‹W6Õ9!
!£;'8!%È3T3$Æ£$<£36!993<!-2$£<-8;3&!9!9$32;8-#<-%×'9T3<9'/!T
ˆ‡‡¦&36'8Ð3&3$32;8-#<ধ=3&'9&'/<£,3&'ˆŽŽ‹T'2È3931'2;'
!91!-38'9W
£Ì1&'-2$£<-8;3&336'8Ð3&3$32;8-#<ধ=3&'9&'/<£,3&'ˆŽŽ‹T
 ˆ‡Šc‰‡ˆŽ -2&-$! <1 $3')$-'2;' 23=3T 9'2&3 &' ¤‡¦ &3 =!£38
'2$32;8!&32!1Ì&-!!8-;1Ìধ$!T''2;È3T6!8!$!&!!237<''?$'&'8

15 Cartilha - Educação previdenciária IBDP


31Ð2-13'?-+-&3&'$32;8-#<-%È3T!$8'9$'2;!8f9'fƉ¦T!;Ì3£-1-;'
&' ˆ‡‡¦W  1638;!2;' &-A'8 7<' $!&! #'2'ऄ$-3 6399<- 9<!9 8'+8!9
'96'$Ð)$!9''99!Ì!6'2!9<1!=-9È3+'8!£'!16£!W
38)1T=!£'8'99!£;!87<'3=!£38&!8'2&!1'29!£-2-$-!£63&'
9'8!£;'8!&36'£36'8Ð3&3&'$32;8-#<-%È3T13&!£-&!&'&'!639'2;!f
&38-!T=!£38&38'$3£,-1'2;3T';$WÈ3!£+<1!9=!8-Æ='-9-1638;!2;'9
7<'$32;!12'99'131'2;3W 36!6'£&3'96'$-!£-9;!T2'99!,38!T
Ì-168'9$-2&Ð='£T6387<'!!2Æ£-9'&3$!93$32$8';363&'+!8!2ধ8
!39'+<8!&3<1!8'2&!1'29!£-2-$-!£1'£,38T1!-9!&'7<!&!'1!-9
/<9;!W

Cartilha - Educação previdenciária IBDP 16


6. SEGURADOS OBRIGATÓRIOS E
FACULTATIVOS
!8ধ+3ˆ‡&!'-¥W‰ˆŠcŽˆ&-96×'7<'19È3#'2')$-Æ8-39&3
'+-1' '8!£&'8'=-&Í2$-!3$-!£T!9!#'8V9'+<8!&39'&'6'2&'2f
;'9W 99-1T Ì -1638;!2;' &')2-8 #'1 '99!9 &<!9 $!;'+38-!9 ' 9<!9
'96'$-)$!%×'9 6!8! $3168''2&'8T &' (!;3T 7<'1 9È3 39 -2&-=Ð&<39
!16!8!&396'£3'+-1' '8!£&'8'=-&Í2$-!3$-!£l mW
'+<8!&399È3!96'993!9ऄ9-$!97<''?'8$'1!ধ=-&!&'8'1<f
2'8!&!T'('ধ=!3<'='2;<!£T&'2!;<8'A!<8#!2!3<8<8!£T$313<9'1
=Ð2$<£3&''168'+3T#'1$313!7<'£!97<'$32;8-#<'1(!$<£;!ধ=!f
1'2;'6!8!!8'=-&Í2$-!3$-!£7<'T$32(381'!£'-9'9<#&-=-&'1
'1&<!9'96Ì$-'9V9'+<8!&393#8-+!;Õ8-39'9'+<8!&39(!$<£;!ধ=39W
3!8ধ+3ˆˆ&!8'('8-&!£'-Ì6399Ð='£='8-)$!8'99!9$!;'+38-!9T
7<'(38!1&'9$8-;!9&'1!2'-8!'?!<9ধ=!'&';!£,!&!'7<'T9'8È3!
9'+<-8'?639;!9&'1!2'-8!1!-99-2;Ìধ$!'3#/'ধ=!W
'+<8!&393#8-+!;Õ8-399È3!7<'£'97<'-2+8'99!123 9'1
68'$-9!8'?68'99!89<!=32;!&''7<'$32;8-#<'1$316<£938-!1'2;'T
$31&-8'-;3!39#'2'ऄ$-3968'=-9;396!8!9<!$!;'+38-!WÈ3'£'9V3
'168'+!&3T3'168'+!&3&31Ì9ধ$3T3$32;8-#<-2;'-2&-=-&<!£T3;8!f
#!£,!&38!=<£93T'39'+<8!&3'96'$-!£W
1638;!2;'£'1#8!87<'368'99<639;3#Æ9-$36!8!7<'!£+<Ì1
;'2,!!$32&-%È3&'9'+<8!&33#8-+!;Õ8-3&3 Ì9'86'993!ऄf
9-$!l!8ধ+3ˆˆ&!'-¥W‰ˆŠcŽˆmT6387<'Ì-2$32$'#Ð='£!'?-9;Í2$-!
&' 9'+<8!&3 6'993! /<8Ð&-$!W <;83 8'7<-9-;3 Ì 3 '?'8$Ð$-3 &' <1!
!ধ=-&!&'£!#38!ধ=!T8'1<2'8!&!'£Ð$-;!W
389<!='AT399'+<8!&39 (!$<£;!ধ=399È3!96'993!97<'&'9'f
/!1 $32;8-#<-8=3£<2;!8-!1'2;'T 2È3 '9;!2&3 '1 2'2,<1! 9-;<!%È3
&' 3#8-+!;38-'&!&' 6'£! £'-W '='1 9'8 1!-38'9 &' ˆ¤ !239 ' 2È3
'9;!8=-2$<£!&3!2'2,<13<;83ধ63&'8'+-1'68'=-&'2$-Æ8-3W ?'1f
6£39V'9;!+-Æ8-3T'9;<&!2;'T9Ð2&-$32È38'1<2'8!&3T';$W
3#8' 39 9'+<8!&39 3#8-+!;Õ8-39T 2! $!;'+38-! &' 9'+<8!&3
'168'+!&3T-2$£<'1f9';3&39397<'6399<'1=Ð2$<£38'+-&36'£!

17 Cartilha - Educação previdenciária IBDP


T $31 3< 9'1 68!A3 &';'81-2!&3T #'1 $313 39 '168'+!&39
8<8!-9T 39 $32;8!;!&39 2! (381! &! '- ¤W‡ˆŽc‹ l;8!#!£,!&38'9
;'1638Æ8-39mT 39 !+'2;'9 6Ú#£-$39 9'1 8'+-1' 68Õ68-3T !£Ì1 &'
3<;8!9 9-;<!%×'9 7<' +'8'1 '7<-6!8!%È3 &' ;8!;!1'2;3 !39 '1f
68'+!&39W
9'168'+!&39&31Ì9ধ$399È39!7<'£'97<'68'9;!19'8=-%39T
$316'993!£-&!&'T$32ধ2<-&!&'T'9<#38&-2!%È3T1'&-!2;'9!£Æ8-3T!
<1'168'+!&38&31Ì9ধ$323Ç1#-;38'9-&'2$-!£T9'1)29£<$8!ধ=39
'6381!-9&'&3-9&-!92!9'1!2!W
32;8-#<-2;'-2&-=-&<!£Ì!6'993!7<''?'8$'!ধ=-&!&'8'1<2'f
8!&!7<'2È39'$32)+<8!$313=Ð2$<£3'168'+!঩$-3T;8!#!£,3!=<£f
933<9'+<8!&3'96'$-!£W
;8!#!£,!&38!=<£93Ì!7<'£'T9-2&-$!£-A!&33<2È3T7<'68'9;!
9'8=-%3&'2!;<8'A!<8#!2!3<8<8!£!&-='89!9'168'9!99'1=Ð2$<£3
'168'+!঩$-3T$31-2;'81'&-!%È33#8-+!;Õ8-!&3Õ8+È3+'9;38&'1È3
&' 3#8!W ?'16£3V 3 '29!$!&38 &' $!(ÌT 3 ;8!#!£,!&38 &' '9ধ=! &'
1'8$!&38-!9T3$!88'+!&38&'#!+!+'1'1638;3T';$W
38Ú£ধ13T$329-&'8!f9'9'+<8!&3'96'$-!£!6'993!ऄ9-$!8'9-f
&'2;'23-1Õ='£8<8!£3<'1!+£31'8!&3<8#!233<8<8!£68Õ?-13!
'£'7<'T-2&-=-&<!£1'2;'3<'18'+-1'&''$3231-!(!1-£-!8T!-2&!
7<'$313!<?У-3'='2;<!£&';'8$'-839T'9;'/!2!$32&-%È3&'V

!m 683&<;38T9'/!68368-';Æ8-3T<9<(8<;<Æ8-3T6399<-&38T!99'2;!f
&3T6!8$'-833<1''-833<;38+!&39T$313&!;Æ8-33<!88'2&!f
;Æ8-38<8!-9T7<''?6£38'!ধ=-&!&'V
 ˆWփ!+836'$<Æ8-!'1Æ8'!&'!;Ì‹l7<!;83m1Õ&<£39)9$!-9U3<
 ‰Wփ&'9'8-2+<'-833<'?;8!ধ=-9;!='+';!£7<''?'8%!9<!9!ধf
=-&!&'9239;'8139&3-2$-93 &3$!6<;&3!8;W‰3&!'-
23ŽWŽ¥ŒT&'ˆ¥&'/<£,3&'‰‡‡‡T'(!%!&'99!9!ধ=-&!&'9
368-2$-6!£1'-3&'=-&!U
#m 6'9$!&38!8;'9!2!£3<!'9;'!99'1'£,!&3T7<'(!%!&!6'9$!
683)99È3,!#-;<!£3<68-2$-6!£1'-3&'=-&!U'
$m $Ö2/<+'3<$316!2,'-83T#'1$313)£,31!-38&'ˆ¤l&'A'9f
9'-9m!239&'-&!&'3<!'9;''7<-6!8!&3T&39'+<8!&3&'7<'

Cartilha - Educação previdenciária IBDP 18


;8!;!1!9!£Ð2'!9!'#&'9;'-2$-93T7<'T$31683=!&!1'2;'T
;8!#!£,'1$313+8<63(!1-£-!88'96'$ধ=3W

1638;!2;'&'9;!$!87<'3ধ63&'9'+<8!&38'*';'!(381!&'
$32;8-#<-%È3&'$!&!<1!T&'13&37<'-993;!1#Ì1-16£-$!2!1!f
2<;'2%È3&!7<!£-&!&'&'9'+<8!&3/<2;3Å8'=-&Í2$-!3$-!£W

19 Cartilha - Educação previdenciária IBDP


7. FINANCIAMENTO DA SEGURIDADE
SOCIAL
32(381'!8'+8!&!;8Ð6£-$'(381!&'$<9;'-3T!9'+<8-&!&'93f
$-!£Ì)2!2$-!&!6'£3 3='823T'168'9!9';8!#!£,!&38'9W6!8ধ$-f
6!%È3&3 3='8239'&Æ6'£!$32;8!;!%È3&';8!#!£,!&38'9'!-2&!
$31!638;'9&'$!6-;!£6!8!$3#8-8'='2;<!-9&Ì)$-;92338%!1'2;3
&!9'+<8-&!&'W
!8;WˆŽŒ&!329ধ;<-%È3&-96×'7<'!9'+<8-&!&'93$-!£9'8Æ
)2!2$-!&!638;3&!!93$-'&!&'&'(381!&-8';!'-2&-8';!T1'&-!2;'
8'$<8939683='2-'2;'9&3938%!1'2;39&!2-È3T&39 9;!&39T&3-9f
;8-;3 '&'8!£'&39<2-$Ð6-39T'&!99'+<-2;'9$32;8-#<-%×'993$-!-9V

g&3'168'+!&38T&!'168'9!'&!'2ধ&!&'!'£!'7<-6!8!&!T
2!(381!&!£'-T-2$-&'2;'993#8'V
 !mփ!(3£,!&'9!£Æ8-39'&'1!-98'2&-1'2;39&3;8!#!£,36!f
+393<$8'&-;!&39T!7<!£7<'8঩;<£3TÅ6'993!ऄ9-$!7<'£,'
68'9;'9'8=-%3T1'9139'1=Ð2$<£3'168'+!঩$-3U
 #mփ!8'$'-;!3<3(!;<8!1'2;3U
 $mփ3£<$83W
g&3;8!#!£,!&38'&39&'1!-99'+<8!&39&!68'=-&Í2$-!93$-!£T
63&'2&39'8!&3;!&!9!£Ð7<3;!9683+8'99-=!9&'!$38&3$31
3=!£38&39!£Æ8-3&'$32;8-#<-%È3T2È3-2$-&-2&3$32;8-#<-%È3
93#8'!639'2;!&38-!'6'29È3$32$'&-&!96'£3'+-1' '8!£
&'8'=-&Í2$-!3$-!£U
g93#8'!8'$'-;!&'$32$<8939&'683+2Õ9ধ$39U
g&3-1638;!&38&'#'293<9'8=-%39&3'?;'8-38T3<&'7<'1
!£'-!'£''7<-6!8!8W

93$-'&!&')2!2$-!!9'+<8-&!&'93$-!£&'(381!&-8';!T!6!8ধ8
&36!+!1'2;3&!9$32;8-#<-%×'993$-!-9T'&'(381!-2&-8';!T!6!8ধ8
&398'6!99'9+3='82!1'2;!-9T'1$!93&'-29<)$-Í2$-!&'8'$<8939
3#ধ&39$31!9$32;8-#<-%×'9W

Cartilha - Educação previdenciária IBDP 20


#9'8=' 7<' 3 $329ধ;<-2;' !;'2&'< !3 68-2$Ð6-3 &! &-='8f
9-&!&' &! #!9' &' )2!2$-!1'2;3 &! 9'+<8-&!&' 93$-!£T &')2-2&3
&-='89!9 (32;'9 &' $<9;'-3 l£<$83T (!;<8!1'2;3T 8'1<2'8!%È3 &39
9'+<8!&39';$WmW
9$32;8-#<-%×'993$-!-9!7<-68'=-9;!99È3&'9ধ2!&!9!3)2!2f
$-!1'2;3&39;8Í98!139&!9'+<8-&!&'93$-!£V9!Ú&'T68'=-&Í2$-!93f
$-!£'!99-9;Í2$-!93$-!£W
 +8Æ)$3 !#!-?3 8'9<1' !9 $32;8-#<-%×'9 93$-!-9 6!8! 3 )2!2f
$-!1'2;3&!9'+<8-&!&'93$-!£T68'=-9;!923!8;WˆŽŒ&!329ধ;<-%È3
'&'8!£V

32;8-#<-%×'9&399'+<8!&39
 6!8ধ$-6!%È3 &39 9'+<8!&39 23 $<9;'-3 68'=-&'2$-Æ8-3 '9;Æ
&-9639;!23!8;WˆŽŒT-2$-93 T&!329ধ;<-%È3 '&'8!£T7<'68'=Í!
$32;8-#<-%È3&3;8!#!£,!&38'&39&'1!-99'+<8!&39&!8'=-&Í2$-!
3$-!£W

21 Cartilha - Educação previdenciária IBDP


+38!;8!;!8'139&!6!8ধ$-6!%È3&399'+<8!&39239-9;'1!W'f
1329;8!8'139!7<-37<!2;3$!&!$!;'+38-!&'9'+<8!&3T'96'$-)$!f
1'2;'T$32;8-#<-6!8!3 W
!#'1397<!-99È339+8<639&'9'+<8!&39'?-9;'2;'9239-9;'f
1!V'168'+!&3T'168'+!&3&31Ì9ধ$3T$32;8-#<-2;'-2&-=-&<!£T!=<£f
93T9'+<8!&3'96'$-!£'9'+<8!&3(!$<£;!ধ=3W
;';3&39!£Æ8-3&'$32;8-#<-%È3Ì!;<!£-A!&3T'18'+8!T!2<!£f
1'2;'T'1#38!3-2-9;Ì8-3&38!#!£,3'8'=-&Í2$-!3$-!£6399!
8'=-9Æf£3 7<!2&3 /<£+!8 $32='2-'2;'W  Ú£ধ1! !;<!£-A!%È3 6!993< !
=-+38!8!6!8ধ8&'‡ˆc‡ˆc‰‡‰‰T$31!38;!8-!c ˆc‰‡‰‰T
7<')?3<3=!£381Æ?-13'1‚W‡¥T‰‰W
99-1T!6!8ধ8&'ˆC&'/!2'-83&'‰‡‰‰T39!£Æ8-3&'#'2'ऄ$-3
'39!£Æ8-3&'$32;8-#<-%È32È363&'8È39'8-2('8-38'9!‚ˆW‰ˆ‰T‡‡T
2'19<6'8-38'9!‚‚W‡¥T‰‰W
!93399'+<8!&398'$'#!1=!£38'99<6'8-38'9!3;';3T&'='8È3
$32;8-#<-8!6'2!9$31<1!!£Ð7<3;!-2$-&'2;'93#8'38'('8-&3;';3T
2!&!-2$-&-2&393#8'3'?$'&'2;'W1'9133$388'6!8!3'168'+!f
&38&31Ì9ধ$3WÆ!9'168'9!9&'='1$32;8-#<-8!6£-$!2&3!!£Ð7<3;!
Å;3;!£-&!&'&398'2&-1'2;396!+39T&'=-&393<$8'&-;!&39!39;8!#!f
£,!&38'97<'£,'968'9;'19'8=-%3W
'!$38&3$313!8;W‰¥&! ˆ‡Šc‰‡ˆŽT!;Ì7<'£'-!£;'8'!
!£Ð7<3;!&!$32;8-#<-%È3&'7<';8!;!!'-¥W‰ˆ‰cˆŽŽˆT&'=-&!6'£3
9'+<8!&3'168'+!&3T-2$£<9-='3&31Ì9ধ$3T'6'£3;8!#!£,!&38!=<£f
93T!;<!£-A!&36'£!38;!8-!c ˆ‰T&'ˆ&'/!2'-83&'‰‡‰‰T
'9;!9'8Æ&'V

­    ¯ ALÍQUOTA


;̈W‰ˆ‰T‡‡ TŒ¦
'ˆW‰ˆ‰T‡ˆ!‰W‹‰TŠŒ Ž¦
'‰W‹‰TŠ¤!ŠW¤‹ˆT‡Š ˆ‰¦
'ŠW¤‹ˆT‡‹!W‡¥T‰‰ ˆ‹¦

Cartilha - Educação previdenciária IBDP 22


!#' &'9;!$!8 7<' 3 6'8$'2;<!£ ! 9'8 !6£-$!&3 -2$-&' 931'2;'
!;Ì3;';3&39!£Æ8-3&'$32;8-#<-%È3T7<'T$32(381'!;!#'£!&'!£Ðf
7<3;!9TÌ‚W‡¥T‰‰W
!8!(!$-£-;!8!$3168''29È3T;8!A'139!9'+<-2;';!#'£!8'9<13
&!$32;8-#<-%È3&399'+<8!&39V

!#'£!8'9<13&!9$32;8-#<-%×'9&399'+<8!&39
38;!8-!      c Cˆ‰T
DE 17 DE JANEIRO DE 2022
'+<8!&39 !9'‚ £Ð7<3;!
;̈W‰ˆ‰T‡‡ TŒ‡¦
168'+!&3U
168'+!&3 'ˆW‰ˆ‰T‡ˆ!‰W‹‰TŠŒ Ž¦
&31Ì9ধ$3U '‰W‹‰TŠ¤!ŠW¤‹ˆT‡Š ˆ‰¦
=<£93
'ŠW¤‹ˆT‡‹!W‡¥T‰‰ ˆ‹¦
ধ=-&!&'638$32;!68Õ68-! ‰‡¦
'8=-%368'9;!&3Å6'993!/<f
ˆˆ¦
8Ð&-$!
'8=-%3 68'9;!&3 Å '2ধ&!&'
‰‡¦
-9'2;!&!$3;!6!;832!£
32;8-#<-2;' -2&-=-&<!£ 7<'
ˆˆ¦ 93#8' <1 9!£Æ8-3
8'$3£,! 93#8' <1 9!£Æ8-3 1Ðf
1Ð2-13
2-13
32;8-#<-2;'
-2&-=-&<!£ -$83'168''2&'&38 -2&-=-f
&<!£ $31 8'$'-;! &' !;Ì ‚ Œ¦93#8'<19!£Æ8-31Ðf
¥ˆW‡‡‡T‡‡ l=!£38 $31 =-+Í2f 2-13
$-!!6!8ধ8&'‡ˆc‡ˆc‰‡ˆ¥m
'8=-%368'9;!&3Å6'993!ऄf
9-$!'7<-6!8!&!Å'168'9!T! ‰‡¦T63&'2&3&'&<A-8f
683&<;38 8<8!£ 6'993! ऄ9-$!T f9'&'Ž¦9'3=!£38(3-
Å 1-99È3 &-6£31Æধ$! ' 8'f &'$£!8!&36'£3;31!&38
6!8ধ%È3 $329<£!8 &' $!88'-8! &39'8=-%3
'9;8!2+'-8!

23 Cartilha - Educação previdenciária IBDP


!#'£!8'9<13&!9$32;8-#<-%×'9&399'+<8!&39
38;!8-!      c Cˆ‰T
DE 17 DE JANEIRO DE 2022
'+<8!&39 !9'‚ £Ð7<3;!
!£38638'£'&'$£!8!&3 ‰‡¦
'+<8!&3 (!$<£;!ধ=3 7<'
ˆˆ¦ 93#8' <1 9!£Æ8-3
'+<8!&3 8'$3£,!93#8'<19!£Æ8-31Ðf
1Ð2-13
(!$<£;!ধ=3 2-13
Œ¦93#8'<19!£Æ8-31Ðf
32!9&'$!9!23!&Á2-$3
2-13
ˆT‰¦ 6!8$'£! #Æ9-$!U
'+<8!&3 '$'-;! #8<;! &! $31'8$-!£-f
‡Tˆ¦ U ‡T‰¦
96'$-!£ A!%È3
'2!8

Cartilha - Educação previdenciária IBDP 24


8. DEPENDENTES
9 &'6'2&'2;'9T $329-&'8!&39 $313 #'2')$-Æ8-39 &3 '+-1'
'8!£&'8'=-&Í2$-!3$-!£T6'£3!8ধ+3ˆ‡&!'-¥W‰ˆŠcŽˆT9È3!7<'f
£'97<';Í18'£!%È3&'6!8'2;'9$3$3139'+<8!&3T63&'2&3(!A'8
/<9Å6'29È3638138;'T!<?-£-3f8'$£<9È3T9'8=-%393$-!£'8'!#-£-;!%È3
683)99-32!£W
9;'99È3&-=-&-&39'1;8Í9$£!99'9T$32(381'3&-9639;323!8ধf
+3ˆ¤&!'-¥W‰ˆŠcŽˆT7<'9È3V

CLASSE 1: 3$Ö2/<+'T!$316!2,'-8!T3$316!2,'-83'3)£,3
2È3 '1!2$-6!&3T &' 7<!£7<'8 $32&-%È3T 1'238 &' ‰ˆ !239
3<-2=Æ£-&33<7<';'2,!&')$-Í2$-!-2;'£'$;<!£3<1'2;!£3<
&')$-Í2$-!+8!='W
CLASSE 2:396!-9T&'9&'7<'$31683=!&!!&'6'2&Í2$-!'$3f
2Ö1-$!'18'£!%È3!3)£,39'+<8!&3W
CLASSE 3: 3-81È32È3'1!2$-6!&3T&'7<!£7<'8$32&-%È3T1'f
238&'‰ˆ!2393<-2=Æ£-&33<7<';'2,!&')$-Í2$-!-2;'£'$f
;<!£3<1'2;!£3<&')$-Í2$-!+8!='T&'9&'7<'$31683=!&!!
&'6'2&Í2$-!'$32Ö1-$!'18'£!%È3!3-81È39'+<8!&3W

-2&! Ì 68'$-93 '9$£!8'$'8 7<' 3 '2;'!&3 ' 3 1'238 ;<;'£!&3


'7<-6!8!1f9'!)£,31'&-!2;'&'$£!8!%È3&39'+<8!&3'T&'9&'7<'
$31683=!&!!&'6'2&Í2$-!'$32Ö1-$!2!(381!'9;!#'£'$-&!23'f
+<£!1'2;3T ' $329-&'8!f9' $316!2,'-8! 3< $316!2,'-83 ! 6'993!
7<'T9'19'8$!9!&!T1!2;Ì1<2-È3'9;Æ='£$3139'+<8!&33<$31!
9'+<8!&!T&'!$38&3$313uŠC&3!8;W‰‰¤&!329ধ;<-%È3 '&'8!£W
 '?-9;Í2$-! &' &'6'2&'2;' &' 7<!£7<'8 &!9 $£!99'9 '?$£<- &3
&-8'-;3Å968'9;!%×'939&!9$£!99'99'+<-2;'9W3+3T9''?-9;'1&'f
6'2&'2;'9&!$£!99'ˆT39&'6'2&'2;'9&!9$£!99'9‰'Š'9;È3'?$£<f
Ð&39W&'6'2&Í2$-!'$32Ö1-$!&!96'993!9-2&-$!&!923+8<63ˆÌ
68'9<1-&!'!&!9&'1!-9&'='9'8$31683=!&!W

25 Cartilha - Educação previdenciária IBDP


1638;!2;'&'9;!$!87<''?-9;'19-;<!%×'968'=-9;!9'1£'-2!9
7<!-9 2È3 ,Æ 2'$'99!8-!1'2;' &'6'2&Í2$-! '$32Ö1-$!W ?'16£3V
-2&!7<'!1#3939$Ö2/<+'9'?'8%!1!ধ=-&!&'8'1<2'8!&!T<1Ì
$329-&'8!&3&'6'2&'2;'&33<;836!8!)2968'=-&'2$-Æ8-39T638-993T
(!A'1 /<9 ! #'2'ऄ$-39 1'913 7<' !<)8!1 +!2,39 &'$388'2;'9 &'
!ধ=-&!&'£!#38!ধ=!W
!1#Ì1T3&'6'2&'2;'63&';'8)£-!%È3$3139'+<8!&33#8-+!f
;Õ8-33<(!$<£;!ধ=3&!8'=-&Í2$-!T9'17<'-993-16£-7<'7<!-97<'8
68'/<ÐA39Å968'9;!%×'9&3 W
-2!£1'2;'T!£'-&')2'7<'6!8!9'8Æ'?$£<Ð&3&!$32&-%È3&'
&'6'2&'2;'[7<'1ধ='89-&3$32&'2!&3$8-1-2!£1'2;'6389'2;'2%!
$31;8Ç29-;3'1/<£+!&3T$313!<;38T$3!<;383<6!8঩$-6'&',31-f
$Ð&-3&3£393T3<&';'2;!ধ=!&'99'$8-1'T$31'ধ&3$32;8!!6'993!
&39'+<8!&3T8'99!£=!&3939!#93£<;!1'2;'-2$!6!A'9'39-2-16<f
;Æ='-9W\

Cartilha - Educação previdenciária IBDP 26


9. AQUISIÇÃO E MANUTENÇÃO DA
QUALIDADE DE SEGURADO
 7<!£-&!&' &' 9'+<8!&3 63&' 9'8 &'(-2-&! $313 3 =Ð2$<£3
/<8Ð&-$3 '2;8' 3 #'2'(-$-Æ8-3 ' ! 9'+<8-&!&' 93$-!£W ³ ! $32&-%È3
!;8-#<Ð&!!7<'1Ì(-£-!&3'(!A6!+!1'2;391'29!-9Å68'=-&Í2f
$-! 93$-!£W -('8'f9' &' 7<'1 Ì 9-16£'91'2;' -29$8-;3 23  T
63-9 '9;' ;'813 8'('8'f9' ! <1 !;3 (381!£T &' (382'$-1'2;3 &'
&!&39WÆ!(-£-!%È3'9;!#'£'$'3£-!1'/<8Ð&-$3'2;8'3-2&-=Ð&<3
' 3  W ³ &-A'8T 638;!2;3T 7<'T =-! &' 8'+8!T ;3&3 !7<'£' 7<'
$32;8-#<- 6!8! 3  ;'8Æ &-8'-;3 !39 #'2'(Ð$-39 3('8;!&39 6'£!
8'=-&Í2$-!3$-!£W
3138'+8!+'8!£6!8!!&7<-8-8!7<!£-&!&'&'9'+<8!&3(!A9'
3#8-+!;Õ8-3 3 6!+!1'2;3 1'29!£ &!9 $32;8-#<-%×'9 68'=-&'2$-Æ8-!9T
2'99'9'2ধ&3T'£'9'8Æ1!2ধ&3'!16!8!&36'£3-9;'1!&'83;'f
%È33$-!£&!8'=-&Í2$-!3$-!£W
99-1T!1!2<;'2%È3&!7<!£-&!&'&'9'+<8!&3$32&-A!36'8Ðf
3&3'17<'3-2&-=Ð&<36'81!2'$')£-!&3!3'+-1' '8!£&'8'f
=-&Í2$-! 3$-!£ 638 '9;!8 $32;8-#<-2&3 6!8! 3 -9;'1! 3< 638 '9;!8
'27<!&8!&323[6'8Ð3&3&'+8!%!\W
 6'8Ð3&3 &' +8!%!T Ì <1! '?$'%È3 !3 6!+!1'2;3 &' $32f
;8-#<-%È3Å68'=-&Í2$-!93$-!£T131'2;3'17<'1'913!99-1T3
9'+<8!&3$32ধ2<!!16!8!&36'£!8'=-&Í2$-!3$-!£g#'1$313
9'<9 &'6'2&'2;'9 g 1'913 9' 2È3 '9ধ='8 '?'8$'2&3 !ধ=-&!&'
7<'3'27<!&8'$3139'+<8!&33#8-+!;Õ8-3T2'1$32;8-#<-81'2f
9!£1'2;'$313(!$<£;!ধ=3W³<1!'?$'%È3!3$!8Æ;'8$32;8-#<ধ=3
&39-9;'1!W
'99' 9'2ধ&3T ! 6'993! Ì 9'+<8!&! &! 8'=-&Í2$-! 3$-!£T '-9
7<'9''2$32;8!93#368-91!&'1!2<;'2%È3&!7<!£-&!&'&'9'+<f
8!&3T1!92È3$32;8-#<-6!8!39-9;'1!W
'9;'13&3T&'!$38&3$31!'-¥‰ˆŠcŽˆT'19'<!8ধ+3ˆŒT!
7<!£-&!&'&'9'+<8!&3Ì1!2ধ&!-2&'6'2&'2;'1'2;'&'$32;8-#<-f
%×'96'£368!A3&')2-&3'1£'-V

27 Cartilha - Educação previdenciária IBDP


• '1£-1-;'&'68!A3T7<'1'9;Æ'1+3A3&'#'2'ऄ$-3T'?$';3
!<?У-3f!$-&'2;'UlWˆŠ¥‹¤cˆŽm
• ;̈‰l&3A'm1'9'9!6Õ9!$'99!%È3&!9$32;8-#<-%×'9T39'f
+<8!&37<'&'-?!8&''?'8$'8!ধ=-&!&'8'1<2'8!&!!#8!2+-f
&!6'£!8'=-&Í2$-!3$-!£3<'9ধ='89<96'2933<£-$'2$-!&3
9'18'1<2'8!%È3U
• ;Ì ˆ‰ l&3A'm 1'9'9 !6Õ9 $'99!8 ! 9'+8'+!%È3T 3 9'+<8!&3
!$31'ধ&3&'&3'2%!&'9'+8'+!%È3$316<£9Õ8-!U
• ;̈‰l&3A'm1'9'9!6Õ93£-=8!1'2;3T39'+<8!&38'ধ&33<
8'$£<93U
• ;ÌŠl;8Í9m1'9'9!6Õ93£-$'2$-!1'2;3T39'+<8!&3-2$3863f
8!&3Å9 38%!981!&!96!8!68'9;!89'8=-%31-£-;!8U
• ;̤l9'-9m1'9'9!6Õ9!$'99!%È3&!9$32;8-#<-%×'9T39'+<f
8!&3(!$<£;!ধ=3W

1638;!2;'1'2$-32!87<'368!A39'8Æ683883+!&36!8!!;̉‹
l=-2;''7<!;83m1'9'99'39'+<8!&3/Æধ='86!+31!-9&'ˆ‰‡l$'2;3
'=-2;'m$32;8-#<-%×'91'29!-99'1-2;'88<6%È37<'!$!88';'!6'8&!
&!7<!£-&!&'&'9'+<8!&3W!1#Ì1Ì6399Ð='£!$8'9$'81!-9ˆ‰1'f
9'923$!93&'&'9'168'+3-2=3£<2;Æ8-3$31683=!&3W
-2&!T2!,-6Õ;'9'&'6'8&!&!7<!£-&!&'&'9'+<8!&3T6!8!)29
&!$32$'99È3&39#'2'ऄ$-39&'!<?У-3f&3'2%!T&'!639'2;!&38-!638
-2=!£-&'AT &' 9!£Æ8-3f1!;'82-&!&' ' &' !<?У-3f8'$£<9È3T 3 9'+<8!&3
&'='8Æ$32;!8T!6!8ধ8&!&!;!&!23=!)£-!%È3Å8'=-&Í2$-!3$-!£T
$311';!&'&396'8Ð3&3968'=-9;392!£'-W
-2!£-A!2&3T6!8!$3168''29È3$311!-9$£!8'A!T=!139!<1
'?'16£3V!<£3Ì='2&'&38&'9!6!;39'1<1!£3/!239,366-2+&'
9<!$-&!&'W8!#!£,3<£Æ&'/!2'-83&'‰‡‡¥!/<2,3‰‡ˆ¥T7<!2&3
6'&-<&'1-99È3W'$388-&3<1;'163T!3)2!£&'!+39;3&'‰‡ˆŽT
Ì&-!+239ধ$!&3$31<1!&3'2%!-2$!6!$-;!2;'';'1638Æ8-!'8'f
93£='6'&-838'96'$ধ=3#'2'ऄ$-368'=-&'2$-Æ8-3W'9;'$!939'8-!
$!#Ð='£ 3 6'&-&3 &' !<?У-3f&3'2%! 6387<!2;3T '1#38! &'$388-&3
39ˆ‰1'9'9&'9&'!Ú£ধ1!$32;8-#<-%È3T!<£36399<-1!-9&'ˆ‰‡

Cartilha - Educação previdenciária IBDP 28


$32;8-#<-%×'9T 3 7<' £,' $32$'&' <1 6'8Ð3&3 &' +8!%! '9;'2&-&3
l‰‹1'9'9mW
'+-9;8'f9'7<'36'8Ð3&3&'+8!%!6399-#-£-;!T!-2&!T38'$'#-f
1'2;3&39#'2'ऄ$-39&'!<?У-3f!$-&'2;''9'+<83f&'9'168'+3W

29 Cartilha - Educação previdenciária IBDP


10. CARÊNCIA

'8Ð3&3&'$!8Í2$-!Ì32Ú1'83&'$32;8-#<-%×'91'29!-9-2&-9f
6'29Æ='-9 6!8! 7<' 3 #'2')$-Æ8-3 ;'2,! &-8'-;3 !3 #'2'ऄ$-3W ³T=-!
&'8'+8!T3;'1631Ð2-13&'$32;8-#<-%È3Å8'=-&Í2$-!3$-!£6!8!
(!A'8/<9Å$32$'99È3&'!£+<1#'2'ऄ$-368'=-&'2$-Æ8-36'£!!<;!8f
7<-!('&'8!£T3 T9'/!9'+<8!&33<&'6'2&'2;'WÈ3$329-&'8!&!9
!6!8ধ8&3;8!29$<893&368-1'-83&-!&391'9'9&'9<!9$316';Í2f
$-!9W³$!£$<£!&!6382Ú1'83&'$32;8-#<-%×'9'2È3&-!!&-!T63-9Ì
9'168'$32;!&!'11'9'9W
 $!8Í2$-! 2È3 63&' 9'8 $32(<2&-&! $31 ;'163 &' $32;8-#<-f
%È3T-9936387<'3;'163&'$32;8-#<-%È3$388'9632&''?!;!1'2;'
!3;'163'('ধ=3'2;8'!&!;!&'-2Ð$-3'&!;!&';Ì81-23&!!ধ=-&!&'
'?'8$-&!6'£39'+<8!&3W
?'16£3V<19'+<8!&37<'$31'%3<!;8!#!£,!8,ƈ‡!239T1!9
2<2$!'(';<3<<18'$3£,-1'2;39'7<'8W 3/'6!+!;3&3939!;8!9!f
&39&'-1'&-!;3W'8ƈ‡!239&'8'$3£,-1'2;3T1!92'2,<1!$!8Í2f
$-!g2È3;'='3=Ð2$<£31'29!£W
 $32$'99È3 &3 #'2'ऄ$-3 &'6'2&' &39 9'+<-2;'9 6'8Ð3&39 &'
$!8Í2$-!V

• <?У-3638-2$!6!$-&!&';'1638Æ8-!'!639'2;!&38-!638-2f
$!6!$-&!&'6'81!2'2;'Vˆ‰$32;8-#<-%×'91'29!-9U
• <?У-3f8'$£<9È3V‰‹$32;8-#<-%×'91'29!-9U
• 639'2;!&38-!9683+8!1!&!9l638-&!&'T'96'$-!£'638;'1f
63&'9'8=-%3mVˆ¥‡$32;8-#<-%×'91'29!-9U
• !£Æ8-3f1!;'82-&!&' 6!8! !9 9'+<8!&!9 $32;8-#<-2;'9 -2&-=-f
&<!-9'(!$<£;!ধ=!9Vˆ‡$32;8-#<-%×'91'29!-9U
• !£Æ8-3f1!;'82-&!&' 6!8!!99'+<8!&!9'96'$-!-9V ˆ‰$32;8-f
#<-%×'91'29!-9U

Cartilha - Educação previdenciária IBDP 30


• -2!£1'2;'T '?-9;'1 !£+<1 #'2'ऄ$-39 7<' &-96'29!1 ! $!f
8Í2$-!T$32(381'&')2-&3'1£'+-9£!%È3WÈ3'£'9V
• '29È3638138;'T9!£Æ8-3f(!1У-!'!<?У-3f!$-&'2;'&'7<!£f
7<'82!;<8'A!U
• !£Æ8-3f1!;'82-&!&'6!8!!99'+<8!&!9'168'+!&!T'168'+!f
&!&31Ì9ধ$!'!=<£9!U
• <?У-3f!$-&'2;''!639'2;!&38-!638-2=!£-&'AT239$!939&'
!$-&'2;'9&'7<!£7<'82!;<8'A!3<$!<9!T3<(38!$31'ধ&3
638&3'2%!&'9$8-;!2!£-9;!'£!#38!&3'1£'-U
• 639'2;!&38-!638-&!&'3<638-2=!£-&'AT!<?У-3f&3'2%!T3<
6'29È3638138;'!399'+<8!&39'96'$-!-9T&'9&'7<'$31f
683='!!ধ=-&!&'8<8!£W
• '!#-£-;!%È3683)99-32!£U

31 Cartilha - Educação previdenciária IBDP


11. DEPENDÊNCIA ECONÔMICA
?-9;'1&<!9'96Ì$-'9&'#'2')$-Æ8-39&!68'=-&Í2$-!93$-!£V39
9'+<8!&39'39&'6'2&'2;'9W7<'£'9T9È3397<'&'(!;3$32;8-#<'1
''?'8$'1!!ধ=-&!&'8'1<2'8!&!T(!A'2&3/<938-+-2!8-!1'2;'!39
#'2'ऄ$-39T'27<!2;3'9;'99È3397<'T'1#38!2È3$32;8-#<-2&36!8!
!68'=-&Í2$-!93$-!£T!'-&''2'ऄ$-39'£'2$!$3136399Ð='-9#'2'f
)$-Æ8-39&3'+-1' '8!£&'8'=-&Í2$-!3$-!£g T(!A'2&3/<9
Å99'+<-2;'968'9;!%×'9V6'29È3638138;'T!<?У-3f8'$£<9È3T9'8=-%3
93$-!£'8'!#-£-;!%È3683)99-32!£W
9&'6'2&'2;'99È3&-=-&-&39'1;8Í9$£!99'9T$32(381'3&-9f
639;323!8ধ+3ˆ¤&!'-¥W‰ˆŠcŽˆT9È3'£!9V

CLASSE 1:3$Ö2/<+'T!$316!2,'-8!T3$316!2,'-83'3)£,3
2È3 '1!2$-6!&3T &' 7<!£7<'8 $32&-%È3T 1'238 &' ‰ˆ !239
3<-2=Æ£-&33<7<';'2,!&')$-Í2$-!-2;'£'$;<!£3<1'2;!£3<
&')$-Í2$-!+8!='W
CLASSE 2: 396!-9T&'9&'7<'$31683=!&!!&'6'2&Í2$-!'$3f
2Ö1-$!'18'£!%È3!3)£,39'+<8!&3W
CLASSE 3: 3-81È32È3'1!2$-6!&3T&'7<!£7<'8$32&-%È3T1'f
238&'‰ˆ!2393<-2=Æ£-&33<7<';'2,!&')$-Í2$-!-2;'£'$f
;<!£3<1'2;!£3<&')$-Í2$-!+8!='T&'9&'7<'$31683=!&!!
&'6'2&Í2$-!'$32Ö1-$!'18'£!%È3!3-81È39'+<8!&3W

313 Ì 6399Ð='£='8-)$!8T ! $£!99' ˆ Ì ! Ú2-$! 7<' &-96'29! !


$31683=!%È3&'&'6'2&Í2$-!'$32Ö1-$!T3<7<'!;'1&'1!2'-8!
68'9<1-&!W31-993T!9&'1!-9$£!99'9&'='1$31683=!8!&'6'2f
&Í2$-!'$32Ö1-$!6!8!8'$'#'83#'2'ऄ$-3W
 &'6'2&Í2$-! '$32Ö1-$! ÌT 638 &')2-%È3T ! 9-;<!%È3 '1 7<'
$'8;! 6'993!=-='T 8'£!ধ=!1'2;' ! <1 9'+<8!&3T 9'2&3 638 '£'T 23
;3&33<'16!8;'T'('ধ=!3<68'9<1-&!1'2;'T1!2ধ&!3<9<9;'2;!f
&!W31683=!&!'99!&'6'2&Í2$-!T2!9$'3&-8'-;3!3#'2'ऄ$-3W 1

Cartilha - Educação previdenciária IBDP 32


Ç1#-;3/<8-968<&'2$-!£T39;8-#<2!-9&-('8'2$-!139;'8139&'6'2&Í2f
$-!'$32Ö1-$!&'!/<&!'='2;<!£W'8Æ!&'6'2&Í2$-!7<''29'/!8Æ3
$<168-1'2;3&38'7<-9-;368'=-9;32!£'-&'#'2'ऄ$-39T'27<!2;33
9'+<2&3 ;'813 $329-9;' '1 !<?У-39 '9638Æ&-$39T 7<' 39 )£,39 63f
&'1&!8!396!-9!;Ì1'9136!8!!68-138!8!7<!£-&!&'&'=-&!W
-1638;!2;'9'8Æ&'1329;8!87<'!8'2&!&3l!m(!£'$-&3l!m'8!2'$'9f
9Æ8-!6!8!!9<#9-9;Í2$-!&32Ú$£'3(!1-£-!8W
31-993T6!8!$31683=!8'99!&'6'2&Í2$-!'$32Ö1-$!'+!8!2f
ধ8<1#'2'ऄ$-3TÌ6399Ð='£(!A'8<93&'&3$<1'2;39$3133'?;8!;3
#!2$Æ8-3T$31683=!2;'&'6!+!1'2;3&'&'96'9!9T&'$£!8!%È3&'-1f
639;3&'8'2&!T;'9;'1<2,!9'';$WÕ!99-1T$31683=!&!!&'6'2f
&Í2$-!&!7<'£'9'+<8!&3Ì7<'<1#'2'ऄ$-363&'9'8;8!29('8-&33<
8'$'#-&36'£39&'6'2&'2;'9&'‰B3<ŠB$£!99'W

1 Como pode ser observado neste julgado: “[...] Frise-se que a simples ajuda
financeira prestada pela filha, prescindível ao sustento dos pais, limitada a
eventual melhoria do padrão de vida, não tem o condão de gerar dependên-
cia econômica para percepção de pensão. Assim, deve haver prova de que a
renda auferida pela de cujus era essencial à subsistência dos autores, ainda
que não exclusiva”. (TRF4, AC 5008892-04.2018.4.04.9999, TURMA REGIO-
NAL SUPLEMENTAR DE SC, Relator JORGE ANTONIO MAURIQUE, juntado aos
autos em 06/09/2019)

33 Cartilha - Educação previdenciária IBDP


12. APOSENTADORIA POR INCAPACIDA-
DE PERMANENTE

!639'2;!&38-!638-2$!6!$-&!&'6'81!2'2;'Ì3#'2'ऄ$-3+!f
8!2ধ&3 !3 9'+<8!&3 7<' ;'2,! 9-&3 $329-&'8!&3 -2$!6!A &' (381!
6'81!2'2;''-29<9$'঩='£&'8'!#-£-;!%È3683)99-32!£W<9'/!T7<'
2È3 ;'2,! $32&-%×'9 &' 8'!£-A!8 2'2,<1 ধ63 &' !ধ=-&!&' £!#38!£
7<'£,'+!8!2;!!9<#9-9;Í2$-!W2;'9&! ˆ‡Šc‰‡ˆŽ'8!$32,'$-&!
$313!639'2;!&38-!638-2=!£-&'AW
£!;!1#Ì1&'='9'88'$32,'$-&!!6Õ98'!£-A!%È3&'6'8Ð$-!1Ìf
&-$!!$!8+3&3 T3<6'£!=-!/<&-$-!£W
$Æ£$<£36!8!3=!£38&3#'2'ऄ$-3!;Ì! 1'2&!329ধ;<$-3f
2!£ˆ‡Šc‰‡ˆŽ'8!$!£$<£!839!£Æ8-3f&'f#'2'ऄ$-36'£!1Ì&-!!8-;1Ìf
ধ$! 9-16£'9 &39 ¥‡¦ 1!-38'9 9!£Æ8-39 &' $32;8-#<-%È3 &'9&' /<£,3
&'ˆŽŽ‹W '-;3-993T!6<8!=!f9'ˆ‡‡¦&!1Ì&-!'2$32;8!&!T9'2&33
8'9<£;!&33=!£38&'=-&3&!8'2&!1'29!£&39'+<8!&3W
#'2'ऄ$-393(8'<9<!1!-9-1638;!2;'!£;'8!%È3$31!8'(381!
&!68'=-&Í2$-!2!98'+8!9&'$Æ£$<£3W 99!1<&!2%!9-+2-)$!ধ=!2!
1!2'-8!&'&'9$3#8-8! 6!8!!!639'2;!&38-!638-2$!6!$-&!&'
6'81!2'2;')$3<!99-1V
6Õ9!!6<8!%È3&!1Ì&-!!8-;1Ìধ$!&'ˆ‡‡¦&';3&39399!£Æf
8-39&'/<£,3&'ˆŽŽ‹'1&-!2;'T36'8$'2;<!£<ধ£-A!&39'8Æ&'¤‡¦
‰¦!$!&!!23!£Ì1&39‰‡!239&'$32;8-#<-%È3T9',31'1T3<ˆŒ
!239T9'1<£,'8W
99!!£;'8!%È323$Æ£$<£363&';8!A'8<1!&-('8'2%!$329-&'8Æf
='£!39'+<8!&37<'2È3;'2,31!-9&'ˆŒc‰‡!239&'$32;8-#<-%È3
';'2,!9-&3!$31'ধ&3&'<1!'2('81-&!&'3$!9-32!£T,!/!=-9;!3
=!£38&'8'2&!8'&<A-&3W
6'8$'2;<!£9''£'=!&'¤‡¦6!8!ˆ‡‡¦$!93!-2$!6!$-&!&'
8'9<£;' &' !$-&'2;' &' ;8!#!£,3T &' 13&3 7<' '9;! $32&-%È3 &'='
)$!8$31683=!&!W
Quadro resumo –

Cartilha - Educação previdenciária IBDP 34


Aposentadoria por incapacidade permanente

35 Cartilha - Educação previdenciária IBDP


13. APOSENTADORIA POR IDADE

 !639'2;!&38-! 638 -&!&'T 68'=-9;! 23 !8ধ+3 ‹¥ &! '-


¥W‰ˆŠcŽˆT1!2ধ&!6'£!8'(381!68'=-&'2$-Æ8-!T;'18'$'#-&363<f
$!9£<A'9&'&'#!;'W 9;36387<'T!<1!68-1'-8!=-9;!T6!8'$'7<'
2!&!1<&3<2398'7<-9-;39&!9<!$32$'99È37<'T!;Ì'2;È3T'8!
&'=-&!!39'+<8!&37<'T$<168-&!!$!8Í2$-!'?-+-&!&'ˆ¥‡1'f
9'9T$316£';!99'¤Œl9'99'2;!'$-2$3m!239&'-&!&'T9',31'1T
' ¤‡ l9'99'2;!mT 9' 1<£,'8T 8'&<A-&3 '1 Œ !239 3 £-1-;' 6!8! 39
;8!#!£,!&38'9 8<8!-9 &' !1#39 39 9'?39 ' 6!8! 39 7<' '?'8%!1
9<!9!ধ=-&!&'9'18'+-1'&''$3231-!(!1-£-!8T!99-1$3136!8!
39683('9938'9W
31 ! '?ধ2%È3 &! !639'2;!&38-! 638 ;'163 &' 32;8-#<-%È3T
! 13&!£-&!&'T !+38! 68-2$-6!£T &' !639'2;!&38-! 6'£3 '+-1' '8!£
&!8'=-&Í2$-!3$-!£Ì!!639'2;!&38-!638-&!&'T$32$'&-&!6!8!!9
1<£,'8'9!39¤‰!239&'-&!&''!39,31'29!39¤Œ!239&'-&!&'W
31!=-+Í2$-!&!8'(381!T!!639'2;!&38-!638-&!&''638;'163
&'$32;8-#<-%È3(38!19<#9ধ;<Ð&!9638<1!Ú2-$!'96Ì$-'T!!639'2f
;!&38-!683+8!1!&!W
!9 3 ;'1! !-2&! 1'8'$' 1<-;! 8'*'?È3 ' !2Æ£-9' ! 6!8ধ8 &3
;'?;3 &! 1'2&! 329ধ;<$-32!£ ˆ‡Šc‰‡ˆŽW 8-1'-83 632;3 7<' 9'
&'='$,!1!8!;'2%È3TÌ3;'1631Ð2-13&'$32;8-#<-%È37<'T!2;'9
'8!&'ˆ¥‡1'9'9&'$!8Í2$-!1Ð2-1!'!+38!T6!8!1<£,'8'9TÌ68'$-f
93;'8!31'239ˆŒ!239&'$32;8-#<-%È3'6!8!39,31'29T3;'163
1Ð2-13&'$32;8-#<-%È3=!-&'6'2&'8&'7<!2&39')£-3<!3 W'
(3-!2;'9&!8'(381!T3;'1631Ð2-13Ì&'ˆŒ!239W'(3-&'63-9TÌ
2'$'99Æ8-3$32;8-#<-86386'£31'239‰‡!239W
3&!=-!T!6'9!8&! 1'2&!329ধ;<$-32!£2È31'2$-32!893#8'
! $!8Í2$-!T Ì 68'$-93 !;'2;!8f9' 93#8' !9 &-9639-%×'9 -1639;!9 638
1'-3&!9638;!8-!9&3 T7<'1!2;Ì1!$!8Í2$-!&-9$-6£-2!&!6'£!
'-2C¥W‰ˆŠT&'‰‹&'/<£,3&'ˆŽŽˆT1!2;'2&3f9'T!99-1T!'?-+Í2$-!
&'ˆ¥‡$32;8-#<-%×'91'29!-9$31368'99<639;3&'$32$'99È3W

Cartilha - Educação previdenciária IBDP 36


!1#Ì1$,!1!!;'2%È3!-&!&'T7<'!+38!)?!&!'1¤Œ!239
'¤‰!239T1!9$31!£'8;!63<$3=-9Ð='£T9'&-A7<'!-&!&';!1#Ì1
9'8Æ&')2-&!638£'-(<;<8!1'2;'T37<';382!1!-9(Æ$-£!!£;'8!%È3
&31!8$3£'+!£6!8!$32$'99È3&'!639'2;!&38-!W
 6836Õ9-;3T &'2;83 &!9 !£;'8!%×'9 &'$388'2;'9 &! 8'(381! &!
68'=-&Í2$-!T;'139!98'+8!9&';8!29-%È38'('8'2;'9Å9!639'2;!&3f
8-!9638-&!&'l3<!639'2;!&38-!683+8!1!&!$313!+38!Ì$,!1!&!mT
7<'-2$-&'93#8'398'7<'8-1'2;39'(';<!&396389'+<8!&39)£-!&39
!3   !;Ì 3 &-! ˆŠ &' 23='1#83 &' ‰‡ˆŽT 8'96'-;!&3 3 &-8'-;3
!&7<-8-&3T -2&'6'2&'2;'1'2;' &! &!;! &' '2;8!&! &3 8'7<'8-1'2f
;3f W-+2-)$!&-A'8T7<''2;8'!8'+8!!2;'8-38'!8'+8!=-+'2;'T
'?-9;'!6399-#-£-&!&'&'39'+<8!&3!£$!2%!8398'7<-9-;396!8!9<!
;È3932,!&!!639'2;!&38-!W
!8!;!2;3T'?-+'f9'T$<1<£!ধ=!1'2;'T368''2$,-1'2;3&!-&!f
&'&'¤‡!239&'-&!&'&!1<£,'8T1!2;'2&339¤Œ!239&3,31'1T
1!-9ˆŒ!239&'$32;8-#<-%È3W-&!&'1Ð2-1!'?-+-&!&!91<£,'8'9
9'8Æ!$8'9$-&!&'¤1'9'9!$!&!!23T!6£-$!2&3f9'368-1'-83!$8Ì9f
$-13!6!8ধ8&'/!2'-83&'‰‡‰‡T!;Ì7<'9'!ধ2/!¤‰!239W
<;8!!£;'8!%È3#!9;!2;'8'£'=!2;'T7<'-1638;!'1+8!2&'-1f
6!$;36!8!3\#3£93\&39'+<8!&3TÌ7<!2;3!3=!£38&3#'2'ऄ$-37<'T
!2;'9&!8'(381!'8!!6<8!&3$31#!9'2!1Ì&-!&39¥‡¦1!-38'9
9!£Æ8-39&'$32;8-#<-%È38'!£-A!&!9!3£32+3&!=-&!T'?$£<-2&3‰‡¦
&!9 1'238'9W -! &' 8'+8!T <1 $Æ£$<£3 1!-9 #'2Ì)$3 !3 9'+<8!&3W
19'+<-&!T!6£-$!=!f9'<1!'96Ì$-'&'(!;38T-2-$-!2&3#!9-$!1'2;'
'1¥Œ¦l‡¦1!-9ˆ¦!$!&!+8<63&'ˆ‰$32;8-#<-%×'9T68'=-9;323
!8ধ+3Œ‡&!'-¥W‰ˆŠcŽˆmW
32;<&3T323=3$Æ£$<£3!+38!Ì('-;3$31#!9''1ˆ‡‡¦&'
;3&336'8Ð3&3$32;8-#<ধ=3W3&!9!9$32;8-#<-%×'9T-2$£<9-='!7<'f
£!9 1'238'9 7<' !2;'9 '8!1 '?$£<Ð&!9T !+38! 9È3 931!&!9 6!8! 3
$Æ£$<£3)2!£&3#'2'ऄ$-3W99-1T('-;!!1Ì&-!9!£!8-!£$31#!9'2!9
$32;8-#<-%×'9='8ধ&!9638;3&36'8Ð3&3T'2$32;8!f9'<1=!£38[?\W
T$3132'1;<&3Ì;È3#317<!2;36!8'$'T63&'2&39'8<163<f
$3!-2&!6-38T!6Õ9!8'(381!68'=-&'2$-Æ8-!'99'$Æ£$<£36!993<!
-2-$-!8$31¤‡¦T63&'2&3;'8!$8Ì9$-13&'‰¦6!8!$!&!!237<'

37 Cartilha - Educação previdenciária IBDP


<£;8!6!99!8 ˆŒ !239 9' 1<£,'8T ‰‡ 9' ,31'1W < 9'/!T 3=!£38 &3
#'2'ऄ$-3T6389-9ÕT/Æ9';382!1'2389'$316!8!&3!£'-!2;'8-38T
!6'2!9 6'£! 1Ì&-! &39 ˆ‡‡¦ &3 6'8Ð3&3 $32;8-#<ধ=3T -1!+-2'1
$31!6£-$!%È3&!!£Ð7<3;!W
'(381!9-16£'9T!঩;<£3'?'16£-)$!ধ=3T-1!+-2'139<19!£Æ8-3
&'#'2'ऄ$-323=!£38&'‚‰W‡‡‡T‡‡U2!8'+8!!2;'8-38! WWˆ‡ŠcˆŽT
! l'2&!'29!£ 2-$-!£mT$32,'$-&!$313=!£38)2!£&3#'2'ऄ$-3T
9'8-!&'‚ˆW‡‡T‡‡l!6£-$!2&339¥Œ¦mW327<!2;37<'2!8'+8!=-f
+'2;'T6Õ9'(381!T39'+<8!&3;'8Æ9<! 23=!£38&'‚ˆW‰‡‡T‡‡W
-1T9È3‚Œ‡‡T‡‡7<'!(!9;!<1!8'+8!&'3<;8!W!£387<'(!A1<-;!
&-('8'2%!23&-!!&-!9-16£'9&'<1!6'993!7<'£!#383<!=-&!;3&!
932,!2&3$319'<;È3'96'8!&3#'2'ऄ$-3W
99-1T;'1397<'!-&!&'1Ð2-1!'!8'&<%È323=!£38&39#'f
2'ऄ$-39T 9È3 1<&!2%!9 8'£'=!2;'9 6!8! ! 1!-38 6!8;' &!9 6'993!9
&! 63£<%È3 #8!9-£'-8! 7<'T -1'29!1'2;' &'9(!=38'$-&!9T $!8'2;'9
&' !$'993 ! 9'8=-%39 #Æ9-$39 &' 9!Ú&'T '&<$!%È3 ' 8'1<2'8!%È3
!&'7<!&!T3#'2'ऄ$-3!639'2;!&38-!638-&!&'T!+38!$,!1!&3&'
!639'2;!&38-! 683+8!1Æ='£T 9' !68'9'2;! $313 +!8!2ধ! &' 9'+<f
8!2%!'$32Ö1-$!W

Cartilha - Educação previdenciária IBDP 38


14. APOSENTADORIA POR TEMPO DE
CONTRIBUIÇÃO
!639'2;!&38-!638;'163&'$32;8-#<-%È3T68'=-9;!239!8ধ+39
Œ‰!Œ¤&!'-¥W‰ˆŠcŽˆT'8!<1#'2'ऄ$-368'=-&'2$-Æ8-37<'8316-!
$31!£Õ+-$!-2'8'2;'!399-9;'1!9&'683;'%È393$-!£W!£68'1-99!
&'$388'&3(!;3&'7<''9;!68'9;!%È3'8!$32$'&-&!!39'+<8!&37<'
$<168-99'$'8;3;'163$32;8-#<ধ=3'$!8Í2$-!T2È39'=3£;!2&3T638f
;!2;3TÅ$3#'8;<8!&'2'2,<18-9$393$-!£'96'$Ð)$3V-&!&'!=!2%!&!T
-2$!6!$-&!&'3<1!;'82-&!&'T638'?'16£3W
'3<;83+-83T9'8-!'7<-=3$!&!!$32$£<9È3&'7<'3#'2'ऄ$-3
'1$31'2;32È36399<Ð!7<!£7<'86!6'£23$'2Æ8-368'=-&'2$-Æ8-3'
93$-!£W '£3 $32;8Æ8-3T ! !639'2;!&38-! 638 ;'163 '9;!=! !;8'£!&! Å
£Õ+-$!$32;8-#<ধ=!'9<!$32$'99È39'&!=!!6Õ9<1£32+36'8Ð3&3
&';8!#!£,3T63&'2&39'8$329-&'8!&!$313<1!8';8-#<-%È3!39'+<f
8!&37<'&<8!2;'&Ì$!&!98'$3£,'<!9'?!%×'993$-!-9'6'81!2'$'<
=-2$<£!&3!38'+-1'&'683;'%È393$-!£W
&'1!-9T 3 8'$'#-1'2;3 &'9;' #'2'ऄ$-3 683638$-32!=! !3 #'f
2')$-Æ8-37<'6'81!2'$-!231'8$!&3&';8!#!£,3<1-2$8'1'2;32!
9<!8'2&!1'29!£T'-97<''8!6£'2!1'2;'6399Ð='£!!$<1<£!%È3&!
68'9;!%È3$31!8'1<2'8!%È3!<('8-&!6'£3-2&-=Ð&<3W
13<;839$!939T!!639'2;!&38-!638;'163'8!#!9;!2;'Úধ£!3
+!8!2ধ8<1=!£38!3$-&!&È3'1Ì63$!9$313!!;<!£T&''£'=!&3Ð2f
&-$'&'&'9'168'+3W -2!£1'2;'T,!=-!7<'1!8+<1'2;!99'7<''9;!
13&!£-&!&' &' !639'2;!&38-! ;'8-! 3 $32&È3 &' 8'23=!8 39 639;39
'?-9;'2;'9231'8$!&3&';8!#!£,3W
!£'1'2$-32!8T!-2&!T7<''9;!68'9;!%È36!993<638-1638;!2f
;'913&-)$!%×'9!3£32+3&3;'163T-2$£<9-=''19'<231'T7<'-2f
$-!£1'2;''8!&'!639'2;!&38-!638;'163&'9'8=-%3T231'2$£!;<8!
9<#9ধ;<Ð&!6'£! 1'2&!329ধ;<$-32!£‰‡cŽ¥W
;̈Šcˆˆc‰‡ˆŽT'8!6399Ð='£3#;Íf£!!6Õ9Š‡!239&'$32;8-#<-f
%È3T23$!93&!91<£,'8'9'&'ŠŒ!239$32;8-#<Ð&39T6!8!399'+<8!f
&39&39'?31!9$<£-23W 2'?-9ধ!-&!&'1Ð2-1!',!=-!<1!$32;!+'1

39 Cartilha - Educação previdenciária IBDP


&';'1638'&<A-&!6!8!39683('9938'9&3'29-23-2(!2ধ£T(<2&!1'2f
;!£3<1Ì&-3W !=-!3&'9'9঩1<£3&!9!639'2;!&38-!968'$3$'9$31
!-2$-&Í2$-!&3(!;3868'=-&'2$-Æ8-3T37<!£'8!!(!9;!&3239$!939&3
!8ধ+3‰ŽfT&!'-¥W‰ˆŠcŽˆW
32;<&3T!1!-9-1638;!2;'1<&!2%!2'9;!68'9;!%È33$388'<
$31 3 !&='2;3 &! 1'2&! 329ধ;<$-32!£ ˆ‡Šc‰‡ˆŽT 8'96329Æ='£
638 '?ধ2+<-f£!W99-1T Ì 6399Ð='£ !)81!8 7<' ;3&39 !7<'£'9 7<' 9'
)£-!8!1!3 !6Õ93!&='2;3&! ˆ‡Šc‰‡ˆŽT-2'?-9ধ8Æ!6399-f
#-£-&!&'&'!639'2;!8f9'&'9;!(381!W
 )1 &' !99'+<8!8 <1! $'8;! &39' &' /<9ধ%! Å7<'£'9 7<' /Æ
9''2$32;8!=!1,Æ<1#31;'163239-9;'1!68'=-&'2$-Æ8-3T! 
ˆ‡Šc‰‡ˆŽ;83<?'‹l7<!;83m8'+8!9&';8!29-%È36!8!3 W
3 !8ধ+3 ˆŒT &!  ˆ‡Šc‰‡ˆŽT (3- -16£'1'2;!&3 <1 9-9;'1!
683+8'99-=3 &' 632;39T 3 7<!£ $32/<+! -&!&' ' ;'163 $32;8-#<ধ=3W
'9;!('-;!T63&'8Æ39'+<8!&3!639'2;!8f9'638;'163&'$32;8-#<-f
%È3$!93!ধ2/!!632;<!%È368'=-9;!2!'1'2&!$329ধ;<$-32!£T7<'
9'-2-$-3<'1¥¤632;396!8!1<£,'8'9'Ž¤T6!8!39,31'29W
 9'+<2&! 8'+8! ;8!29-;Õ8-!T 68'=-9;! 23 !8ধ+3 ˆ¤T &! 
ˆ‡Šc‰‡ˆŽT !99'+<8! '9;' #'2'ऄ$-3 6!8! ! 1<£,'8 7<'T ;'2&3 $<1f
68-&3 3 ;'163 '?-+-&3T 6399<-8 Œ¤ !239WÆ 6!8! 3 ,31'1T ! -&!&'
'8!&'¤ˆ!239T'1‰‡ˆŽW!1'91!(381!$317<'!8'+8!!2;'8-38T
,Æ683+8'99-=-&!&'T1!9!7<-'18'£!%È3Å-&!&'T7<'Ì1!/38!&!'1
¤1'9'9!$!&!!23T!;Ì$,'+!8!39¤‰T6!8!!91<£,'8'9'¤ŒT6!8!
,31'29W
!8!7<'1'9;!=!,Æ1'239&'‰!2396!8!!ধ2+-83;'1632'f
$'99Æ8-32!&!;!&'=-+Í2$-!&! ˆ‡Šc‰‡ˆŽT3!8ধ+3ˆT&!'1'2&!T
-16£'1'2;3<<16'&Æ+-3&'Œ‡¦W'9;!('-;!T9'8'9;!=!1¤1'9'9
6!8!!639'2;!8f9'638;'163T368';'293#'2')$-Æ8-3&'='8Æ$32;8-f
#<-8638Ž1'9'9T9'2&3'9;!!;'8$'-8!8'+8!;8!29-;Õ8-!W!£'&'9;!$!8
7<'93#8'!68'9;!%È3-2$-&-8Æ3(!;3868'=-&'2$-Æ8-3W
-2!£1'2;'T!Ú£ধ1!8'+8!&';8!29-%È3Ì!68'=-9;!23!8ধ+3
‰‡T&! ˆ‡Šc‰‡ˆŽW 9;'&-9639-ধ=3-16£'1'2;3<<1!-&!&'1Ðf
2-1!&'Œ!239T6!8!1<£,'8'9'&'¤‡T6!8!,31'29W3$32;8Æ8-3
&!98'+8!9ˆ'‰'17<',Æ683+8'99-=-&!&'239632;393<2!-&!&'T

Cartilha - Educação previdenciária IBDP 40


2'9;'$!93T!-&!&'Ì)?!W£Ì1&'$<168-838'7<-9-;3';Æ8-3T39'f
+<8!&3&'='8Æ!68'9'2;!8ŠŒ!239&'$32;8-#<-%È3T9',31'1'Š‡
!239T9'1<£,'8W
!93 3 8'7<-9-;3 $32;8-#<ধ=3 2È3 ;'2,! 9-&3 !ধ2+-&3 2! &!;!
&' '2;8!&! '1 =-+38 &! '1'2&! $329ধ;<$-32!£T 3 9'+<8!&3 &'='8Æ
$32;8-#<-8638<1;'163!&-$-32!£&'ˆ‡‡¦&37<'(!£;!=!W 13<;839
;'8139T9'8'9;!=!1‰!239T36'&Æ+-3(!8Æ$317<'39'+<8!&33<!
9'+<8!&!$32;8-#<!16381!-9‹!239W
38 )1T=!£' &'9;!$!8 7<' !  ˆ‡Šc‰‡ˆŽ 683-#-< 3 '168'+!f
&36Ú#£-$3&'!$<1<£!8'9;'#'2'ऄ$-3$313'?'8$Ð$-3&!!ধ=-&!&'T
$3139'='8-)$!23!8ধ+3ŠTuˆ‹CT&!329ধ;<-%È3&'ˆŽ¥¥T#'1
$313='&3<!$32;!+'1&';'163&'$32;8-#<-%È3)$঩$-36!8!'('-f
;3&'$32$'99È3&39#'2'ऄ$-3968'=-&'2$-Æ8-39l!8ধ+3‰‡ˆTuˆ‹CT&!
329ধ;<-%È3&'ˆŽ¥¥mW
<!2;3Å£-1-;!%È3-1639;!!3'168'+!&36Ú#£-$3TÌ&'9'1'2f
$-32!8 7<' ! 8'+8! 2È3 9' !6£-$! Å9 !639'2;!&38-!9 $32$'&-&!9 !;Ì
!&!;!&''2;8!&!'1=-+38&! ˆ‡Šc‰‡ˆŽT$32(381'8'&!%È3&3
!8ধ+3¤CT&! ˆ‡Šc‰‡ˆŽW

'+8!9&';8!29-%È3&! ˆ‡ŠcˆŽ

31!6831<£+!%È3&!8'(381!&!68'=-&Í2$-!l ˆ‡ŠcˆŽm1<-f
;!96'993!99'=-8!1'18'!£&'9'96'83$31!6399-#-£-&!&'&'7<'
;3&!9!98'+8!9(399'1!£;'8!&!9'7<'1'9ধ='99'2!-1-2Í2$-!&'9'
!639'2;!8T (399' ;3;!£1'2;' 68'/<&-$!&3W ! ;'2;!ধ=! &' !1'2-A!8
'99'-16!$;3T3;'?;3&!£'-;83<?'!£+<1!98'+8!97<'!#8!2&!99'1
'99'9$!939'96'$Ð)$39W
993 6387<' ! '?6'$;!ধ=! &3 &-8'-;3 ! 9' !639'2;!8 Ì ;!1#Ì1
<1&-8'-;37<'&'='9'8683;'+-&3T&'13&37<';3&!'7<!£7<'8!£f
;'8!%È3&'99!98'+8!9&'='3#9'8=!8'99!;8!29-%È3W
9 8'+8!9 &' ;8!29-%È3 9È3T 638;!2;3T !6£-$Æ='-9 ! 7<'1 '9;!=!
1<-;368Õ?-13&'$<168-8;3&39398'7<-9-;39'?-+-&392!913&!£-&!f
&'9!2ধ+!9W 1<1!1';Æ(38!(<;'#3£Ð9ধ$!T-1!+-2'7<'39'+<8!&3
'9ধ='99' $31 3 $,<;' !81!&3T &' (8'2;' 6!8! 3 +3£T 7<!2&3 3 /<-A

41 Cartilha - Educação previdenciária IBDP


!6-;3<3)1&!6!8ধ&!W'99'9$!939'?-9;'1!£+<2963<$39!#8-+39
&!£'-W
3 $!93 &! !639'2;!&38-! 638 -&!&' <8#!2!T ,Æ <1! 8'+8! &'
;8!29-%È3T23!8ধ+3ˆ¥&! ˆ‡ŠcˆŽT7<'+!8!2;'!;3&3939)£-!&39
!3 8'+-1' +'8!£ !;Ì ˆŠcˆˆc‰‡ˆŽT 7<!2&3 68''2$,-&39 $<1<£!ধ=!f
1'2;'T399'+<-2;'98'7<-9-;39V

ˆm ¤‡!239&'-&!&'T9'1<£,'8U¤ŒT9',31'1U
‰m ˆŒ!239&'$32;8-#<-%È3T6!8!!1#3939$!939U

6!8ধ8&'ˆC&'/!2'-83&'‰‡‰‡T!-&!&'&'¤‡!239&!1<£,'8
Ì!$8'9$-&!'19'-91'9'9!$!&!!23T!;Ì!ধ2+-8¤‰l'1‰‡‰ŠmW!8!
39,31'29!-&!&'9'1!2;Ì1¤Œ!239W
-2&! 2'99! ,-6Õ;'9'T 3 $Æ£$<£3 &3 =!£38 &3 #'2'ऄ$-3 9'8Æ &'
¤‡¦&3=!£38&39!£Æ8-3&'#'2'ऄ$-3l1Ì&-!-2;'+8!£&';3&39399!£Æf
8-39&'$32;8-#<-%È3mT$313!$8'9$-1'2;3&'&3-9632;396'8$'2;<!-9
!$!&!!23&'$32;8-#<-%È37<''?$'&'83;'163&'‰‡!239&'$32f
;8-#<-%È36!8!,31'29'&'ˆŒ!2396!8!1<£,'8'9W
38)1T$31!'?ধ2%È3&!!639'2;!&38-!638;'163&'$32;8-f
#<-%È36'£!8'(381!&!68'=-&Í2$-!T(38!1$8-!&!97<!;838'+8!9&'
;8!29-%È3WÈ3'£!9V

!m '+8!ˆg Õ81<£!¥¤cŽ¤83+8'99-=!g!8;WˆŒ ˆ‡Šc‰‡ˆŽ


• gŠ‡!239&'$32;8-#<-%È3T9'1<£,'8T'ŠŒ!239&'$32;8-f
#<-%È3T9',31'1U'
• g931!;Õ8-3&!-&!&''&3;'163&'$32;8-#<-%È3T-2$£<Ð&!9
!9(8!%×'9T'7<-=!£'2;'!¥¤632;39T9'1<£,'8T'Ž¤632;39T
9',31'1W
 9632;<!%×'99È3683+8'99-=!9T!6!8ধ8&'ˆC&'/!2'-83&'
‰‡‰‡T!632;<!%È39'8Æ!$8'9$-&!&'ˆ632;3!$!&!!236!8!
3 ,31'1 ' 6!8! ! 1<£,'8T !;Ì !ধ2+-8 3 £-1-;' &' ˆ‡‡cˆ‡Œ
632;39T1<£,'8c,31'1W
 381! &' $Æ£$<£3V ¤‡¦  ‰¦ 638 !23 7<' '?$'&'8 ‰‡ !239
6!8!,31'1'ˆŒ!2396!8!!1<£,'8W

Cartilha - Educação previdenciária IBDP 42


#m '+8!‰g'163&'32;8-#<-%È3Ð2-13' &!&'83+8'9f
9-=!

• gŠ‡&'$32;8-#<-%È3T9'1<£,'8T'ŠŒ!239&'$32;8-#<-%È3T
9',31'1U'
• g-&!&'&'Œ¤!239T9'1<£,'8T'¤ˆ!239T9',31'1W
 6!8ধ8&'ˆC&'/!2'-83&'‰‡‰‡T!-&!&'9'8Æ!$8'9$-&!&'¤
1'9'9!$!&!!23T!;Ì!ধ2+-8¤‰!239&'-&!&'T9'1<£,'8T'
¤Œ!239&'-&!&'T9',31'1W
 381! &' $Æ£$<£3V ¤‡¦  ‰¦ 638 !23 7<' '?$'&'8 ‰‡ !239
6!8!,31'1'ˆŒ!2396!8!!1<£,'8W

$m '+8!Šg'163&'32;8-#<-%È3'&Æ+-3Œ‡¦

• !&!;!&!'2;8!&!'1=-+38&! lˆŠcˆˆc‰‡ˆŽmT$32;!8$31
1!-9&'‰¥cŠŠ!239&'$32;8-#<-%È3T1<£,'8c,31'1
• Š‡cŠŒ&'$32;8-#<-%È3T1<£,'8c,31'1
• <168-1'2;3&'6'8Ð3&3!&-$-32!£$388'9632&'2;'!Œ‡¦&3
;'1637<''1ˆŠcˆˆc‰‡ˆŽ(!£;!=!6!8!!ধ2+-8Š‡cŠŒ!239
&'$32;8-#<-%È3T1<£,'8c,31'1W
 381!&'$Æ£$<£3V1Ì&-!!8-;1Ìধ$!&'ˆ‡‡¦&399!£Æ8-39f&'f
f$32;8-#<-%È31<£ধ6£-$!&!6'£3(!;3868'=-&'2$-Æ8-3W

&m '+8!‹g &!&'Ð2-1!T'163&'32;8-#<-%È3'&Æ+-3


ˆ‡‡¦

• Œc¤‡!239&'-&!&'T1<£,'8c,31'1
• Š‡cŠŒ!239&'$32;8-#<-%È3T1<£,'8c,31'1
• '8Ð3&3!&-$-32!£&'$32;8-#<-%È3$388'9632&'2;'!ˆ‡‡¦&3
;'1637<''1ˆŠWˆˆW‰‡ˆŽ(!£;!=!6!8!!ধ2+-8Š‡cŠŒ!239&'
$32;8-#<-%È3T1<£,'8c,31'1W
 381!&'$Æ£$<£3V1Ì&-!!8-;1Ìধ$!&'ˆ‡‡¦&399!£Æ8-39&'
$32;8-#<-%È3W

43 Cartilha - Educação previdenciária IBDP


15. APOSENTADORIA ESPECIAL POR
EXPOSIÇÃO A AGENTES NOCIVOS À
SAÚDE OU À INTEGRIDADE FÍSICA
!639'2;!&38-!'96'$-!£Ì<1!'96Ì$-'&'!639'2;!&38-!683f
+8!1!&!T$318'&<%È3&!-&!&'1Ð2-1!'&3;'163&'$32;8-#<-%È3
2'$'99Æ8-3Å-2!ধ=!%È3T'$32$'&-&!'18!AÈ3&3'?'8$Ð$-3&'!ধ=-f
&!&'9$329-&'8!&!968'/<&-$-!-9Å9!Ú&'3<Å-2;'+8-&!&'ऄ9-$!W
3<='T '1 8!AÈ3 &!  ˆ‡ŠcˆŽT <1! !£;'8!%È3 9<#9;!2$-!£
2'99'#'2'ऄ$-3T'9;!#'£'$'2&3!6399-#-£-&!&'&'68'=-9È3T'1£'-
$316£'1'2;!8T&'-&!&'';'163&'$32;8-#<-%È3&-9ধ2;39&!8'f
+8! +'8!£ 6!8! $32$'99È3 &' !639'2;!&38-!T '?$£<9-=!1'2;'T '1
(!=38&399'+<8!&39$</!9!ধ=-&!&'99'/!1'?'8$-&!9$31'('ধ=!
'?639-%È3 ! !+'2;'9 7<Ð1-$39T ऄ9-$39 ' #-3£Õ+-$39 68'/<&-$-!-9 Å
9!Ú&'T='&!&!!$!8!$;'8-A!%È3638$!;'+38-!683)99-32!£3<3$<f
6!%È3W
;'1631Ð2-13&''?'8$Ð$-3&!!ধ=-&!&'+'8!&38!&3&-8'-;3
Å!639'2;!&38-!'96'$-!£(3-'9ধ6<£!&3'1ˆŒT‰‡3<‰Œ!2396'£3
!8ধ+3Šˆ&!'-ŠW¥‡cˆŽ¤‡T7<'$8-3<3#'2'ऄ$-3T9'2&31!2ধ&39
'99'96'8Ð3&396'£!9£'+-9£!%×'99<#9'7<'2;'9W
'!$38&3$313!2'?3 &3'$8';32CŠW‡‹¥cˆŽŽŽT3&-8'-;3
Å$32$'99È3&'!639'2;!&38-!'96'$-!£T$329;!;!&!!23$-=-&!&''!
6'81!2Í2$-!T!6£-$!f9'Å99'+<-2;'9$32&-%×'9V

  g 7<-2A' !239V ;8!#!£,39 '1 1-2'8!%È3 9<#;'88Ç2'!T '1


(8'2;'&'683&<%È3T$31'?639-%È3Å!993$-!%È3&'!+'2;'9
ऄ9-$39T7<Ð1-$393<#-3£Õ+-$39U
 g=-2;'9!239V
 !m 8!#!£,39 $31 '?639-%È3 !3 !+'2;' 7<Ð1-$3 !9#'9;39
l!1-!2;3mU
 #m8!#!£,39'11-2'8!%È39<#;'88Ç2'!T!(!9;!&39&!(8'2;'
&'683&<%È3T$31'?639-%È3Å!993$-!%È3&'!+'2;'9ऄ9-$39T
7<Ð1-$393<#-3£Õ+-$39W

Cartilha - Educação previdenciária IBDP 44


39&'1!-9$!939T3;'1631Ð2-13&''?639-%È3Ì&'‰Œ!239W
&')2-%È3&!-&!&'1Ð2-1!6!8!'99!13&!£-&!&''9;Æ23!8f
ধ+3 ˆŽT uˆC &!  ˆ‡ŠcˆŽT 9'2&3 )?!&! 683=-938-!1'2;' '1 ŒŒT
Œ¥ 3< ¤‡ !239T ! &'6'2&'8 &3 ;'163 &' '?639-%È3 &' ˆŒT ‰‡ 3<
‰Œ!239T8'96'$ধ=!1'2;'W 1638;!2;'V$32(381'! 1'2&!T'99'9
8'7<-9-;39 9'8È3 &-9$-6£-2!&39 638 £'- $316£'1'2;!8 ' 63&'8È3 9'8
!£;'8!&39W
2;'9T3=!£38&!!639'2;!&38-!2'99!13&!£-&!&''8!-2;'+8!£T
!+38!2È31!-9W³8'!£-A!&!!1Ì&-!&';3&39399!£Æ8-39T&'99!1Ìf
&-!'?;8!-f9'¤‡¦'9È3!$8'9$-&39‰¦638!23&';8!#!£,3'96'$-!£
!6!8ধ8&39‰‡!239&'!ধ=-&!&''96'$-!£T6!8!,31'29T'ˆŒ6!8!
1<£,'8'9W
1'?'16£3V!8-!$316£';3<Š‡!239'1‰‡‰‡''9;Æ$31'f
%!2&39<!$!88'-8!$3131Ì&-$!W<632&37<''£!$31'%3<!;8!#!f
£,!8'1‰‡‰‡T&'63-9&!8'(381!&!68'=-&Í2$-!T'£!68'$-9!8Æ$31f
6£';!8¤‡!239&'-&!&'6!8!;'8&-8'-;3Å!639'2;!&38-!'96'$-!£W
7<'63&'9'8!£;'8!&3!;Ì7<''£!$316£';''99!-&!&'T'18!AÈ3&!
6399-#-£-&!&'&'!£;'8!%È3638£'-$316£'1'2;!8W
38Ú£ধ13T!2;'9&!8'(381!'8!6399Ð='£$32='8;'83;'163'9f
6'$-!£'1;'163$31<1T6'£3(!;38ˆT‹6!8!,31'29'ˆT‰6!8!1<f
£,'8'9W+38!'99!$32='89È3!$!#3<WÈ3Ì1!-96399Ð='£W
?'16£3V!8-!;8!#!£,3<‰‡!239$3131';!£Ú8+-$!T1!9!$!f
#3<)$!2&3&'9'168'+!&!'6!993<!;8!#!£,!8$313='2&'&38!&'
£-=839W2;'9&!8'(381!T'99'9‰‡!2399'8-!1;8!29(381!&39'1‰‹
!239l‰‡?ˆT‰m''£!63&'8-!<9Æf£396!8!!639'2;!&38-!683+8!1!f
&!W+38!'99';'163'96'$-!£2È3(!8Æ&-('8'2%!T2'99'$!93W
99!T$31$'8;'A!T(3-<1!&!9!639'2;!&38-!97<'1!-993(8'f
8!13-16!$;3&!'(381!&!8'=-&Í2$-!W
!8!1'£,38=-9<!£-A!%È3T9'+<'<1'97<'1!7<'8'9<1'!98'f
+8!9 &!  ˆ‡Šc‰‡ˆŽ 93#8' !639'2;!&38-! 638 '?639-%È3 ! !+'2;'
23$-=323 V

45 Cartilha - Educação previdenciária IBDP


Cartilha - Educação previdenciária IBDP 46
16. APOSENTADORIA DA PESSOA COM
DEFICIÊNCIA
99' Ì 3 #'2'ऄ$-3 &'9ধ2!&3 Å9 6'993!9 7<' ;8!#!£,!1 '1
$32&-%È3&'6'993!$31&')$-Í2$-!WÈ3!7<'£!97<'6399<'1-1f
6'&-1'2;39 ! £32+3 68!A3 &' 2!;<8'A! ऄ9-$!T 1'2;!£T -2;'£'$;<!£T
3<9'2938-!£T7<'-16399-#-£-;'19<!6!8ধ$-6!%È3&'(381!6£'2!
''('ধ=!2!93$-'&!&'T'1-+<!£&!&'&'$32&-%×'9$31!9&'1!-9
6'993!9W
<-;3-1638;!2;'£'1#8!87<'!!639'2;!&38-!&!6'993!$31
&')$-Í2$-!'!!639'2;!&38-!638-2$!6!$-&!&'6'81!2'2;'2È39È3
-+<!-9W
!639'2;!&38-!&!6'993!$31&')$-Í2$-!Ì&'9ধ2!&!Å6'993!
$31 &')$-Í2$-! 7<' ;8!#!£,!W Æ ! !639'2;!&38-! 638 -2$!6!$-&!&'
6'81!2'2;'Ì('-;!6!8!7<'1T!6'9!8&'2È3&')$-'2;'T6399<-!£+<f
1!-2$!6!$-&!&';3;!£'6'81!2'2;'6!8!3;8!#!£,3T!6Õ99'8!$31'f
ধ&3638!£+<1!&3'2%!3<!$-&'2;'W
?-9;'1&<!9'96Ì$-'9&'!639'2;!&38-!&!6'993!$31&')$-f
Í2$-!V638-&!&''638;'163&'$32;8-#<-%È3W

g639'2;!&38-!&!6'993!$31&')$-Í2$-!638-&!&'V

È3398'7<-9-;39V

– ¤‡!239&'-&!&'6!8!,31'29UŒŒ6!8!1<£,'8U
– ˆŒ!239&';'163&'$32;8-#<-%È3U
– 31683=!%È3&!'?-9;Í2$-!&!&')$-Í2$-!T'17<!£7<'8+8!<T
6'£31'9136'8Ð3&3&3;'163&'$32;8-#<-%È3lˆŒ!239m

$Æ£$<£3T2'99!,-6Õ;'9'T6!8!3=!£38&!!639'2;!&38-!9'8Æ3
9'+<-2;'V1Ì&-!!8-;1Ìধ$!9-16£'9&';3&336'8Ð3&3$32;8-#<ধ=3!
6!8ধ8&'/<£,3cŽ‹W'99'=!£38'?;8!-f9'‡¦'9'8Æ!$8'9$-&3ˆ¦!3
!23&'$32;8-#<-%È3W

47 Cartilha - Educação previdenciária IBDP


-2$-&Í2$-!&'(!;3868'=-&'2$-Æ8-39T2'99!,-6Õ;'9'T9Õ3$388'f
8Æ9'(38#'2Ì)$3!39'+<8!&3W

g639'2;!&38-!&!6'993!$31&')$-Í2$-!638;'163&'
$32;8-#<-%È3V
'99!13&!£-&!&'-1638;!3+8!<&!&')$-Í2$-!7<'63&'9'8
£'='T13&'8!&33<+8!='W+8!<&!&')$-Í2$-!&'='9'8!<('8-&3
638 <1 6'8-;3 1Ì&-$3W '/! &3 T 3< /<&-$-!£T ! &'6'2&'8 &3
$!93W
99-1T9È3398'7<-9-;396!8!$32$'99È37<'T6!8!1'£,38$31f
68''29È3T-29'8-139'1<1!;!#'£!V

    

'=' ŠŠ!239 ‰¥!239

3&'8!&! ‰Ž!239 ‰‹!239

8!=' ‰Œ!239 ‰‡!239

'9;'$!93T2È3Ì2'$'99Æ8-!<1!-&!&'1Ð2-1!T!6'2!93;'163
&' $32;8-#<-%È3W  $Æ£$<£3 !7<- ;!1#Ì1 Ì &-('8'2;'T 2È3 93(8'2&3
2'2,<18'&<;38W
$Æ£$<£3Ì('-;3&'99!(381!V1Ì&-!!8-;1Ìধ$!9-16£'9&';3&3
3 6'8Ð3&3 $32;8-#<ধ=3 ! 6!8ধ8 &' /<£,3cŽ‹ ' 3 9'+<8!&3 8'$'#'8Æ
ˆ‡‡¦ &'99' =!£38W !1#Ì1 63&' 9'8 !6£-$!&3 (!;38 68'=-&'2$-Æ8-3T
&'9&'7<'#'2Ì)$3W
!8!1'£,38=-9<!£-A!%È3T9'+<'<1'97<'1!7<'8'9<1'!!63f
9'2;!&38-!&39'+<8!&3$31&')$-Í2$-!23 V

Cartilha - Educação previdenciária IBDP 48


49 Cartilha - Educação previdenciária IBDP
17. AUXÍLIO POR INCAPACIDADE
TEMPORÁRIA
!<?У-3638-2$!6!$-&!&';'1638Æ8-!T!2;'8-381'2;'&'231-f
2!&3 !<?У-3f&3'2%!T Ì <1 #'2'ऄ$-3 $32$'&-&3 !3 9'+<8!&3 -16'f
&-&3&';8!#!£,!8638&3'2%!3<!$-&'2;'T3<63868'9$8-%È31Ì&-$!W
'<'='2;3&';'81-2!2;'Ì!-2$!6!$-&!&';'1638Æ8-!&39'+<8!&3
6381!-9&'ˆŒ&-!9$329'$<ধ=39W
³2'$'99Æ8-3T6!8!!$32$'99È3&'#'2'ऄ$-3T!7<!£-&!&'&'9'f
+<8!&3 &!7<'£' 7<' 68';'2&' 8'7<'8Íf£3T ' '9;! Ì $329'+<-&! 6'£!
$32;8-#<-%È3 8'$3£,-&! 3<T '1 $!939 '96'$Ð)$39T &<8!2;' 3 6'8Ð3&3
&'+8!%!W
<6'8!&! ! 7<!£-&!&' &' 9'+<8!&3T ! $!8Í2$-! 6!8! $32$'99È3
&3#'2'ऄ$-3T=-!&'8'+8!TÌ&'ˆ‰1'9'9T$31'?$'%È3!39$!939&'
!£+<1!&!9&3'2%!9'96'$-)$!&!923!8ধ+3ˆŒˆ&!'-2C¥W‰ˆŠcŽˆ
l&3'2%!9 +8!='9m ' !$-&'2;' &' 7<!£7<'8 2!;<8'A!T 7<!2&3 '2;È3 !
$!8Í2$-!6!99!!9'8&-96'29!&!W
!8! $32,'$-1'2;3T !£+<1!9 &!9 &3'2%!9 '£'2$!&!9 23 83£ &3
!8ধ+3 ˆŒˆ 9È3 ;<#'8$<£39' !ধ=!T ,!29'2Ð!9'T '9$£'839' 1Ú£ধ6£!T
,'6!;36!ধ! +8!='T 2'36£!9-! 1!£-+2!T $!8&-36!ধ! +8!='T &3'2%! &'
!80-2932T'9632&-£3!8;839'!27<-£39!2;'T'9;!&3!=!2%!&3&'&3'2f
%!&'!+';T'3<;8!91!-9W
'9;'9 $!939T $31683=!&! !£+<1! &'99!9 &3'2%!9 '1 6'8Ð$-!
1Ì&-$!T3 63&'8Æ$32$'&'83#'2'ऄ$-39'1'?-+-82'2,<1!$!f
8Í2$-!&39'+<8!&3W
$Æ£$<£36!8!=!£38&3#'2'ऄ$-39'8Æ$!£$<£!839!£Æ8-3&'#'f
2'ऄ$-36'£!1Ì&-!!8-;1Ìধ$!9-16£'9&'ˆ‡‡¦&399!£Æ8-39&'$32f
;8-#<-%È3&39Ú£ধ139ˆ‰1'9'9W6Õ9T&'99'=!£383#ধ&3l9!£Æ8-3&'
#'2'ऄ$-3mT<ধ£-A!f9'&36'8$'2;<!£&'Žˆ¦''9;'9'8Æ3=!£38&!8'2f
&!1'29!£-2-$-!£W
31 -993T 3 8'7<'8-1'2;3 63&' 9'8 ('-;3 !&1-2-9;8!ধ=!1'2;'T
$31!6'8Ð$-!&!68Õ68-!!<;!87<-!'T9'2'+!&3T'?-9;'1!96399-#-f
£-&!&'9&'8'$<893!&1-2-9;8!ধ=33<&'6'&-&3/<&-$-!£$31!6'8Ð$-!

Cartilha - Educação previdenciária IBDP 50


('-;!638!£+<1'96'$-!£-9;!2!Æ8'!T37<'63&'9'81!-9(!=38Æ='£!3
9'+<8!&3W 1;3&3939$!939TÌ-1638;!2;'!!2Æ£-9'638<1!&=3+!f
&368'=-&'2$-!8-9;!W

51 Cartilha - Educação previdenciária IBDP


18. SALÁRIO-FAMÍLIA

9!£Æ8-3f(!1У-!Ì<1&39#'2'ऄ$-397<'&-96'29!1!$!8Í2$-!
&39'+<8!&3T3<9'/!T2È38'7<'8'1<12Ú1'831Ð2-13&'$32;8-#<-f
%È3W!1#Ì1;'16383#/'ধ=3$316£'1'2;!8!8'1<2'8!%È3(!1-£-!8
&'<1;8!#!£,!&38&'#!-?!f8'2&!W
³6!+3!39;8!#!£,!&38'9&'#!-?!f8'2&!7<'6399<!1)£,39'2f
;8'‡'ˆ‹!239&'-&!&'3<7<';'2,!1!£+<1ধ63&'&')$-Í2$-!c
-2=!£-&'AW'1$!8Æ;'8$316£'1'2;!8'638-9932È39<#9ধ;<-!8'2&!T
9Õ-2$8'1'2;!'!/<&!W!£'£'1#8!87<'3'2;'!&3'31'238;<;'£!f
&39È3'7<-6!8!&39!)£,3W
È3&3-99'<98'7<-9-;39V)£,39'2;8'‡'ˆ‹!239T3<7<';'2,!
!£+<1ধ63&'&')$-Í2$-!c-2=!£-&'AT'7<'!8'2&!1'29!£9'/!!#!-?3
&3=!£38'9ধ6<£!&3!2<!£1'2;'6'£3 $313£-1-;'6!8!$£!99-)f
$!%È3&'#!-?!f8'2&!W
!('8-%È3&!&')$-Í2$-!c-2=!£-&'AÌ('-;!'16'8Ð$-!68Õ68-!&3
T $313 239 &'1!-9 #'2'ऄ$-39 7<' ! '?-+'1T $31 3 -2;<-;3 &'
$329;!;!8!-2$!6!$-&!&'&31'238W-2&!T!7<'£'9$-;!&39$313)f
£,3 '7<-6!8!&3 l1'238 ;<;'£!&3 ' '2;'!&3mT 68'$-9!1 &'1329;8!8 !
&'6'2&Í2$-!'$32Ö1-$!6!8!$329'+<-83#'2'ऄ$-3W
68-1'-838'7<-9-;3Ì&'(Æ$-£='8-)$!%È3T<1!='A7<'9';8!;!
&! -&!&' &39 &'6'2&'2;'9T 3< &' !£+<1! &')$-Í2$-!c-2$!6!$-&!&'
&'£'9W9'+<2&3#'2'ऄ$-3T7<'&-A8'96'-;3Å8'2&!TÌ!£;'8!&3!2<f
!£1'2;' 6'£3  'T 638 -993T Ì 2'$'99Æ8-3 7<' ,!/! ! $32('8Í2$-!
8'+<£!8W
'!$38&3$31!38;!8-!c ˆ‰T&'ˆ&'/!2'-83&'‰‡‰‰T
'!8;W‰&! ˆ‡Šc‰‡ˆŽT$329-&'8!f9';8!#!£,!&38&'#!-?!8'2&!3
7<'8'$'#'8'1<2'8!%È3-+<!£3<-2('8-38!‚ˆW¤ŒŒTŽ¥W
 38;!8-! !;<!£-A3< ;!1#Ì1 3=!£38 &! $3;! &3 9!£Æ8-3 (!1У-!
6!8!‚Œ¤T‹6!8!39'+<8!&3$318'1<2'8!%È31'29!£2È39<6'f
8-38!‚ˆW¤ŒŒTŽ¥W!8!39)29&'!6<8!%È3&!(!-?!9!£!8-!£&39'f

Cartilha - Educação previdenciária IBDP 52


Cartilha - Educação previdenciária IBDP 52
+<8!&3T$329-&'8!f9'8'1<2'8!%È31'29!£3=!£38;3;!£&38'96'$ধ=3
9!£Æ8-3&'$32;8-#<-%È3T!-2&!7<'8'9<£;!2;'&!931!&39=!£38'98'f
$'#-&39'1&-='8939=Ð2$<£39l!8;W‹CT&!38;!8-!c ˆ‰T&'ˆ
&'/!2'-83&'‰‡‰‰mW'9;!(381!T9'39'+<8!&38'$'#'‚ˆW‹‡‡T‡‡
'1<1'168'+3'‚ˆWŠ‡‡T‡‡'13<;83T2È3(!8Æ/<9!9!£Æ8-3f(!1У-!
'12'2,<1&39&3-9W
-2!£-A!2&3T2È39È3;3&39399'+<8!&397<';Í1&-8'-;3!3#'f
2'ऄ$-3T1!9931'2;'39'168'+!&39T39'168'+!&39&31Ì9ধ$39'
39!=<£939T#'1$313!639'2;!&39638-2=!£-&'A'-&!&''39!639'2f
;!&39&'3<;8!913&!£-&!&'9T!6!8ধ8&'¤Œ!239T9',31'1T'¤‡T9'
1<£,'8T'!639'2;!&39=3£<2;!8-!1'2;'W
!8!1'£,38=-9<!£-A!%È3T9'+<'<1'97<'1!7<'8'9<1'39!f
£Æ8-3(!1У-!V

53 Cartilha - Educação previdenciária IBDP


19. SALÁRIO-MATERNIDADE
 9!£Æ8-3f1!;'82-&!&' Ì <1 #'2'ऄ$-3 68'=-&'2$-Æ8-3T ! 68-2$Ðf
6-3T $31 &'9ধ2!%È3 Å ;8!#!£,!&38! +'9;!2;'T =-9!2&3 ! 683;'%È3 Å
1!;'82-&!&''Å(!1У-!W 99!683;'%È3238!9-£9'&Æ&'9&'!329f
ধ;<-%È3&'ˆŽŠ‹T$32;<&3!2!;<8'A!'8!;8!#!£,-9;!'2È368'=-&'2f
$-Æ8-!T,!/!=-9;!7<'39!£Æ8-3'8!6!+36'£3'168'+!&38'2È36'£!
8'=-&Í2$-!3$-!£W
8!9-£8!ধ)$3<!932='2%×'9&! 29W‡ŠTˆ‡Š7<'68'=-!1
7<'$!#'!3 9;!&33'2$!8+36'£36!+!1'2;3&!968'9;!%×'9Å'1f
68'+!&!+'9;!2;'T'2È33'168'+!&38W'99'9'2ধ&3T931'2;'$31
!'&-%È3&!'-2W¤WˆŠ¤c‹Ì7<'39!£Æ8-3f1!;'82-&!&'6!993<!9'8
<1! 68'9;!%È3 68'=-&'2$-Æ8-!T 8'ধ8!2&3 3 '2$!8+3 &3 '168'+!&38T
9-;<!%È3'9;!7<'6'81!2'$'!;Ì39&-!9!;<!-9W 8!&'=-&3!6'2!9Å9
'168'+!&!9T&31Ì9ধ$!9T!=<£9!9'9'+<8!&!9'96'$-!-9W31!'-2W
ŽW¥¤cŽŽT3#'2'ऄ$-3(3-'9;'2&-&36!8!!9$32;8-#<-2;'9-2&-=-&<!-9
'(!$<£;!ধ=!9W
329ধ;<-%È3 '&'8!£&'ˆŽ¥¥&')2'23!8ধ+3‰‡ˆT T$313
3#/'ধ=3&!68'=-&Í2$-!3$-!£T!683;'%È3!1!;'82-&!&'T'96'$-!£f
1'2;' ! +'9;!2;'T 9'2&3 '9;' <1 &-8'-;3 93$-!£ (<2&!1'2;!£ l!8;W
¤CT $!6<;T  c¥¥mW ! '9('8! -2(8!$329ধ;<$-32!£ ! '- 2W ¥‰ˆŠcŽˆ
&-9$-6£-2!!1!;Ì8-!239!8ধ+39ˆ!Š'23'$8';32WŠ‡‹¥cŽŽT
!8;9WŽŠ!ˆ‡ŠW
9!£Æ8-3f1!;'82-&!&';'18'6'8$<99×'92!'9('8!;8!#!£,-9;!&'
13&3 7<' +!8!2;' ! '9;!#-£-&!&' 23 '168'+3 638 !;Ì $-2$3 1'9'9
!6Õ936!8;3T!99-1$313!68Õ68-!£-$'2%!f1!;'82-&!&'&'ˆ‰‡&-!9
68'=-9;!23!8ধ+3CT  c¥¥W-2&!!99-1T,Æ$!939&'&'1-99È3
&<8!2;'!+8!=-&'AT37<'2È3&'='-16£-$!8'12È36!+!1'2;3&3
9!£Æ8-3f1!;'82-&!&'6'£!8'=-&Í2$-!3$-!£W&'96'-;3&-993T3'f
+<£!1'2;3&!8'=-&Í2$-!3$-!£T$318'$'2;'!£;'8!%È36'£3'$8';3
ˆ‡W‹ˆ‡c‰‡T&-9$-6£-23<236!8Æ+8!(3Ú2-$3&3!8ধ+3ŽV[<8!2;'3
6'8Ð3&3&'+8!%!!7<'9'8'('8'3!8;WˆŠT!9'+<8!&!&'9'168'+!&!

Cartilha - Educação previdenciária IBDP 54


(!8Æ/<9!38'$'#-1'2;3&39!£Æ8-3f1!;'82-&!&'T9-;<!%È3'17<'3
#'2'ऄ$-39'8Æ6!+3&-8';!1'2;'6'£!68'=-&Í2$-!93$-!£\W
!8! ! 9'+<8!&! '168'+!&! 3 6!+!1'2;3 &3 #'2'ऄ$-3 Ì ('-;3
&-8';!1'2;' 6'£3 '168'+!&38T 63&'2&3 '9;' 93£-$-;!8 3 8''1#3£93
/<2;3Å8'=-&Í2$-!3$-!£W $32ধ2<!6!+!2&33#'2'ऄ$-3&-8'f
;!1'2;'6!8!!9&'1!-99'+<8!&!9l!=<£9!9T$32;8-#<-2;'9-2&-=-&<!-9T
(!$<£;!ধ=!9T&31'9ধ$!9'9'+<8!&!9'96'$-!-9mW
3'2;!2;3T2È3,Æ7<'9'$32(<2&-89<!2!;<8'A!/<8Ð&-$!$31
3$32$'-;3&'9!£Æ8-3T/Æ7<'9';8!;!&'<1Ö2<9&!8'=-&Í2$-!3f
$-!£T1<-;3'1#38!9'/!3Ú2-$3#'2'ऄ$-368'=-&'2$-Æ8-3$319;!;<9
&'9!£Æ8-3f&'f$32;8-#<-%È3T&'13&3!9'8$316<;!&36!8!$!8Í2$-!
';'163&'$32;8-#<-%È3W£-Æ9T8'$'2;'1'2;'T3 23 Œ¤WŽ¤
&'$£!83<V[³-2$329ধ;<$-32!£!-2$-&Í2$-!&!$32;8-#<-%È368'=-&'2$-f
Æ8-!!$!8+3&3'168'+!&3893#8'39!£Æ8-3f1!;'82-&!&'\W 993-16£-$!
232È36!+!1'2;36'£3'168'+!&38&!9<!$3;!68'=-&'2$-Æ8-!93#8'
39!£Æ8-3f1!;'82-&!&'&'9<!9'168'+!&!9T638Ì1!8'('8-&!&'$-9È3
2È39'&'9$<-&3<&'&'9;!$!8!1!2<;'2%È3&!683;'%È368'=-&'2f
$-Æ8-!Å91<£,'8'9T9'2&31!2ধ&36!8!;3&3939'('-;39!$-1!!99-f
2!£!&39W
'9;'!96'$;3T6!8!'('-;3&39!£Æ8-3f1!;'82-&!&'2È3,Æ$!8Í2f
$-! 6!8! !9 9'+<8!&!9 '168'+!&!T &31Ì9ধ$! ' ;8!#!£,!&38! !=<£9!T
3<9'/!T-2&'6'2&'32Ú1'83&'$32;8-#<-%×'96!8!;'8&-8'-;3!'£'W
Æ 6!8! !9 $32;8-#<-2;'9 -2&-=-&<!-9T (!$<£;!ধ=!9 ' 9'+<8!&!9 '96'f
$-!-9T!£'-'?-+'<12Ú1'831Ð2-13&'&'A1'9'9&'$32;8-#<-%×'9
1'29!-9W 3 $!93 &!9 9'+<8!&!9 '96'$-!-9 ,Æ 7<' 9' $31683=!8 3
'?'8$Ð$-3 &! !ধ=-&!&' 8<8!£ 239 Ú£ধ139 &'A 1'9'9 -1'&-!;!1'2;'
!2;'8-38'9Å&!;!&36!8;33<&38'7<'8-1'2;3T1'9137<'&'(381!
&'9$32঩2<!W
9!£Æ8-3f1!;'82-&!&'Ì&'=-&3638ˆ‰‡&-!9T$31-2Ð$-3!;̉¥
&-!9 !2;'8-38'9 !3 6!8;3 ' ;Ì81-23 Žˆ &-!9 &'63-9 &'£'T -2$£<-2&3 3
&-!&36!8;3W3$!93&'6!8;3!2;'$-6!&3T36'8Ð3&3&'&'A1'9'9
9'8Æ8'&<A-&3'12Ú1'83&'$32;8-#<-%×'9'7<-=!£'2;'9!32Ú1'83&'
1'9'9'17<'36!8;3(3-!2;'$-6!&3W 1$!93&'!#38;32È3$8-1-f
2393T!9'+<8!&!;'8Æ&-8'-;3!&<!99'1!2!9&'9!£Æ8-3f1!;'82-&!&'W

55 Cartilha - Educação previdenciária IBDP


È3 63&'8Æ 9'8 $<1<£!&3 $31 #'2'ऄ$-3 638 -2$!6!$-&!&'W 38Ì1T
!9'+<8!&!!639'2;!&!7<'=3£;!8!;8!#!£,!8;'8Æ&-8'-;3!39!£Æ8-3f
f1!;'82-&!&'T63868'=-9È3£'+!£W
39!&3;!2;'9(3-8'$32,'$-&33&-8'-;3!39!£Æ8-3f1!;'82-&!&'
$313!&='2;3&!'-2Wˆ‡W‹‰ˆc‰‡‡‰T638Ì1!-2&!,!=-!&-9$8-1-2!f
%È37<!2;3Å&<8!%È3&3#'2'ऄ$-3=-2$<£!&3Å-&!&'&!$8-!2%!W!£
$-8$<29;Ç2$-! '2$'883<f9' $31 ! '- 2W ˆ‰W¥Šc‰‡ˆŠT ;8!A'2&3 <1
;8!;!1'2;3-+<!£-;Æ8-3!;3&!9!9'96Ì$-'9&'(!1У-!W
8'2&!&39!£Æ8-3f1!;'82-&!&'6!8!'168'+!&!9T!=<£9!9'&3f
1Ì9ধ$!9 9'8Æ '7<-=!£'2;' !3 9'< 9!£Æ8-3 -2;'+8!£W !8! !9 &31Ì9ধf
$!99'+<-8Æ3=!£38&39'<Ú£ধ139!£Æ8-3f&'f$32;8-#<-%È3WÆ6!8!!9
9'+<8!&!9 '96'$-!-9 )$! 68'9'8=!&3 3 =!£38 &' <1 9!£Æ8-3f1Ð2-13W
32;<&3T6!8!!9$32;8-#<-2;'9-2&-=-&<!-9'(!$<£;!ধ=!99'8Æ!6<8!f
&!<1!1Ì&-!!8-;1Ìধ$!&'<1&3A'!=39&!931!&'&3A'Ú£ধ139
9!£Æ8-39&'$32;8-#<-%È3 2È39<6'8-38!7<-2A'1'9'9W 99!(Õ81<£!
#'2')$-!!7<'£!97<')A'8!1$32;8-#<-%×'9!$-1!&!$!8Í2$-!'?-+-f
&!7<'Ì&'&'A1'9'9W 1638;!2;'8'99!£;!87<''1$!93&'!ধ=-&!f
&'9$32$31-;!2;'9T!9'+<8!&!8'$'#'8Æ!931!&39&3-9'168'+39T
-2&'6'2&'2;'1'2;'9',3<='89<6'8!%È3!3;';3&3 W
 3#8''9;'632;3T-1638;!$329-&'8!87<'3=!£38&39!£Æ8-3f
f1!;'82-&!&'63&'8Æ9'89<6'8-38!3;';3&!8'=-&Í2$-!3$-!£T239
$!939&'9'+<8!&!9'168'+!&!9T6389';8!;!8&'8'1<2'8!%È3W'9;'
238;'3 /Æ9'1!2-('9;3<7<'T6!8!'9;')1T&'='f9'68'=!£'$'83
=!£38-2;'+8!£&!8'1<2'8!%È3l 2ˆWŽ‹¤f T'£W-2W@&2'@
!2$,'9T‰Žc‡‹cŽŽmW38Ì1T'1$32932Ç2$-!$313!8ধ+3Š &!
 c¥¥T,Æ!£-1-;!%È3!39<#9-&-3&39-2-9;839&3<68'138-#<2!£
'&'8!£W'9;'9'2ধ&3T$!933=!£38<£;8!6!99''9;'£-1-;'T$!#'8Æ!3
'168'+!&38'(';<!8!&-('8'2%!638&-9639-%È3$329ধ;<$-32!£&3&-f
8'-;3&'6'8$'6%È3!3=!£38-2;'+8!£&'9<!8'1<2'8!%È3l!8;WC 
 c¥¥mT9'13&-8'-;3Å6'8$'6%È3&38''1#3£93T2'9;!6!8;'W
38)1T!'-2WˆˆW‡c‡¥+!8!2ধ<!'?;'29È3&!£-$'2%!f1!f
;'82-&!&'6381!-9¤‡&-!96!8!!99'+<8!&!9'168'+!&!9W'('8-&!
£'-!<;38-A!7<'!9'168'9!97<'!&'8-8'1!383+8!1! 168'9!-f
&!&È683883+<'13;'163&!£-$'2%!f1!;'82-&!&'Å9'168'+!&!9!

Cartilha - Educação previdenciária IBDP 56


9'<$!8+3T6381!-9¤‡&-!9T;3;!£-A!2&3<1!(!9;!1'2;3&'ˆ¥‡&-!9W
99'683+8!1!9'+<'<1!8'$31'2&!%È3&!8+!2-A!%È3<2&-!£&'
!Ú&'g7<'-2&-$!3!£'-;!1'2;31!;'823'?$£<9-=323968-1'-f
839¤1'9'9&'=-&!&3-2&-=Ð&<3W
&-('8'2%!Ì7<''99!'?;'29È3&'¤‡&-!92È39'8Æ8''1#3£9!f
&!6'£!8'=-&Í2$-!3$-!£T'9-1&'&<A-&!6!8!!)2!£-&!&'&'-1639f
;3&'8'2&!T&'9&'7<'!'168'9!9'/!;8-#<;!&!$31#!9'23£<$83
8'!£T='&!&!!&'&<%È3$313&'96'9!36'8!$-32!£W
!8!1'£,38=-9<!£-A!%È3T9'+<'<1'97<'1!7<'8'9<1'39!f
£Æ8-31!;'82-&!&'V

57 Cartilha - Educação previdenciária IBDP


20. AUXÍLIO-ACIDENTE

!<?У-3f!$-&'2;'Ì<1#'2'ऄ$-3&'2!;<8'A!68'=-&'2$-Æ8-!&'f
=-&3!399'+<8!&39T$</!8!AÈ3&'9'8Ì$316'29!8638-2;'81Ì&-3&'
<1!68'9;!%È31'29!£n-2&'2-A!%È3o<1!$-&'2;'&'7<!£7<'82!;<8'f
A!n2È38'£!$-32!&3$313'?'8$Ð$-3&3;8!#!£,3oT#'1$313!7<'£'9
!(';39!!ধ=-&!&'£!#38!£T39!$-&'2;Æ8-39W
68'9'2;'!8ধ+3T!96-8!&!8$32,'$-1'2;3!3£'-;38&'1!2'-8!
!;<!£-A!&!!$'8$!3!;<!£;8!;!1'2;3&!&3!3#'2'ऄ$-3T1<-;3'1#3f
8!2È39'#<97<'3'9+3;!1'2;3&'9<!99-2+<£!8-&!&'9!2;'!9-2Úf
1'8!9!£;'8!%×'968'=-!9!6831<£+!%È3&! ˆ‡Šc‰‡ˆŽg8'(381!
&!68'=-&Í2$-!'639;'8-38'9T37<'-2=!8-!='£1'2;'T$!8'$'&'1!-38
!683(<2&!1'2;3W
'9;'$32;'?;3T3!<?У-3f!$-&'2;'3#/'ধ=!-2&'2-A!839'+<8!f
&3n!o&'<1!6'8&!c£-1-;!%È3(<2$-32!£!&'96'-;3&!'='2;<!£-2$!f
6!$-&!&'6!8!3'?'8$Ð$-3&39'<;8!#!£,3T3<9'/!T2È3Ì9<#9ধ;<ধ=3
&'8'2&!;!£7<!£3!<?У-3f&3'2%!W
313 &-;3T 3 #'2'ऄ$-3 '2;8'+! 683;'%È3 93$-!£ 6!8! 39 (!;39
38-<2&39&'!$-&'2;'9&'7<!£7<'82!;<8'A!7<'='2,!1!!$!88';!8
!39'+<8!&3n!o<1!£-1-;!%È3(<2$-32!£6'81!2'2;'6!8!3;8!#!£,3W
³$32$'&-&3;!1#Ì1T23$!93&'!$-&'2;'&';8!#!£,3n঩6-$33<!঩f
6-$3o$!93'17<'!13&!£-&!&'9'8Æ!$-&'2;Æ8-!7<!2&33$388-&323
#3/3&3'?'8$Ð$-3683)99-32!£T9'168'/<ÐA3&!&3'2%!683)99-32!£3<
&3;8!#!£,3T9'683=!&39W
6836Õ9-;3T7<!2;3!£-1-;!%È3(<2$-32!£T2È3Ì&'1!-9(!£!87<'
!£-1-;!%È3(<2$-32!£-2&'6'2&'&'+8!<T3<9'/!T9'£'='T13&'8!&!
3<+8!='T-9936387<'3!8ধ+3¥¤&!£'-¥W‰ˆŠcŽˆ2È3('A7<!£7<'8
8'9;8-%È32'9;'9'2ধ&3T!99-1$31683=!&332'?3&'$!<9!£-&!&''2f
;8'!8'&<%È3(<2$-32!£T!-2&!7<'1Ð2-1!T'!!ধ=-&!&'683)99-32!£Ì
&'=-&33#'2'ऄ$-3n 96ˆˆ‡ŽŒŽˆcT'£W-2W'£93-132+-W'
‡¥W‡ŽW‰‡ˆ‡g;'1!‹ˆ¤oW

Cartilha -Cartilha
Educação- Educação
previdenciária
previdenciária
IBDP IBDP 58 58
! 1'91! 1!2'-8!T Ì &'=-&3 3 #'2'ऄ$-3 3< 9<! 1!2<;'2%È3
!-2&!7<'39'+<8!&3638!£+<1!$!<9!;'2,!9<6'8!&339'('-;39&!
6'8&!(<2$-32!£T6W'?W23$!93&'683$'&-1'2;3$-8Ú8+-$33<!1#<f
£!;38-!£ n 96W ˆˆˆ‰¥¥¤c '£W -2W !63£'È3 <2'9 !-! -£,3W
'Wˆ‰W‡‰W‰‡ˆ‡oW
<;83632;37<'1'8'$'&'9;!7<'!7<-TÌ93#8'!7<!£-&!&'&'
9'+<8!&3W '£3 #'2'ऄ$-3 $329;!8 23 83£ &!9 68'9;!%×'9 68'=-&'2$-f
Æ8-!9n!8;Wˆ¥T T[,\oT638;'1639)+<83<$313<1!+8!2&'!#'8;<8!
$32('8-&!6'£!£'+-9£!%È36!8!6836-$-!8<1!9'+<8!2%!93$-!£!39#'f
2')$-Æ8-39T(!$''='2;<!-96'&-&39&'!639'2;!&38-!'&'#'2'ऄ$-39
638-2$!6!$-&!&'T!2;'!7<!£-&!&'&'9'+<8!&37<'$32('8-!g!8;WˆŒT
&!'-¥W‰ˆŠcŽˆW
!9T$313;<&32È39È3*38'96381<-;3;'163T!8'('8-&!!#'8f
;<8!£'+-9£!ধ=!3<;838!$31'2;!&!T!$!#3<6389'88'ধ8!&!&338&'f
2!1'2;3/<8Ð&-$368'=-&'2$-Æ8-3'1ˆ¥&'/<2,3&'‰‡ˆŽ$3123=!
8'&!%È3&!&!!3!8ধ+3ˆŒT &!6'£!£'-ˆŠW¥‹¤c‰‡ˆŽT(!A'2&3$31
7<'3!<?У-3!$-&'2;'2È31!-91!2;'2,!!7<!£-&!&'&'9'+<8!&3W
&'1!-9T3#'2'ऄ$-32È3'?-+'$!8Í2$-!T$32;<&3!683;'%È393f
$-!£2È39''9;'2&'!;3&3939ধ639&'9'+<8!&39T;!-9$313V3$32;8-f
#<-2;'-2&-=-&<!£W399<-8'2&!1'29!£-2-$-!£6!8!1';8-A!&!'1Œ‡¦
&3 9!£Æ8-3&'#'2'ऄ$-3T 37<' 2È363&' 9'8$32(<2&-&3$318'2&!
1'29!£-2-$-!£W
'9;' $32;'?;3T 3 9!£Æ8-3 &' #'2'ऄ$-3 Ì !£$!2%!&3 7<!2&3 &3
9''?;8!-!1Ì&-!&399!£Æ8-39&'$32;8-#<-%È3!;<!£-A!&39&-=-&-f
&396'£!7<!2ধ&!&'&'$32;8-#<-%×'9$329-&'8!&!9T&'9;!8'9<£;!2;'
!6£-$!f9'3$3')$-'2;'&'Œ‡¦W
!'9;'-8!T/Æ7<''9;!139(!£!2&3&'T ';$WT&'9;!$3;!1f
#Ì1T!683#£'1Æধ$!7<'6'81'-!3#'2'ऄ$-3V!&!;!&39'<-2Ð$-3T3
7<'63&'8-!£'=!8!99'+<-2;'96'8+<2;!9VÌ2'$'99Æ8-338'7<'8-1'2f
;3!&1-2-9;8!ধ=3S$32$'99È3Ì!<;31Æধ$!S
19'2&3!99-1T68'=-<3!8ধ+3¥¤$316£'1'2;!&36'£36!8Æf
+8!(3‰C&!'-¥W‰ˆŠcŽˆ7<'3!<?У-3!$-&'2;'9'8Æ$32$'&-&3!6Õ9
!$3293£-&!%È3&!9£'9×'9T37<'&'23;!!-2;'2%È3&3£'+-9£!&3838f

59 Cartilha - Educação previdenciária IBDP


&-2Æ8-3'168'9ধ+-!8368-2$Ð6-3&!!<;31!ধ$-&!&'T638;!2;3T$£!8!f
1'2;')$!&-96'29!&338'7<'8-1'2;3!&1-2-9;8!ধ=3W
38 )1T 1<-;3 9' &-9$<;' '1 9'&' &' !<?У-3 !$-&'2;' ! 9<!
$<1<£!%È3$31!639'2;!&38-!T37<'9'9!#'2È39'86399Ð='£&'9&'
3 9<8+-1'2;3 &! £'- ŽWŒ‰¥cˆŽŽW 3 '2;!2;3T 3 683#£'1! 68368-!f
1'2;'&-;32È3Ì'99'W-9$<;'f9'='8&!&'-8!1'2;'T3131'2;3&!
$<1<£!%È3W
6399<-639-$-32!1'2;39'&-1'2;!&393#8'3;'1!T-2$£<9-f
=''&-;3<!9<1<£!2CWŒ‡93#8'3!99<2;3T683$£!1!2&37<'!'$£3f
9È3&!£'9È3-2$!6!$-;!2;'T#'1$3133-2Ð$-3&!!639'2;!&38-!&'='
9'&!8!;̈ˆWˆˆWˆŽŽT&!;!&!$32='89È3&!ˆWŒŽ¤fˆcˆŽŽ2!
£'-ŽWŒ‰¥cˆŽŽW
+<!£1'2;'T2!'9;'-8!&'9;!/<8-968<&Í2$-!T!638-2;'81Ìf
&-3&3   ‰‡‡¥ˆ¤‡‡‡‰¤ŽŠŠg;'1!¥Œ;!1#Ì16!$-)$3<23
!1#-'2;'&39<-A!&39 96'$-!-9 '&'8!9!;'1Æধ$!W
32;<&3T!1!;Ì8-!(3-9<#1'ধ&!!3$8-=3&3 !;8!=Ì9&3 
¤¥W¥ˆŠ&!8'£!;38-!&3-2W<-A <?T32&';'='!8'6'8$<99È3+'8!£
8'$32,'$-&!$313;'1!ŒŽŽT237<'!;Ì3('$,!1'2;3&'9;'9-2+'£3
!8ধ+32È3ধ2,!9-&3/<£+!&3W
3+3T$313&-;3T9'1!68';'29È3&''9+3;!83;'1!'17<'9f
;È3T;'1f9'!-2&!<1#'2'ऄ$-363<$3'?6£38!&3(8'2;'!3 T#'1
$31323/<&-$-Æ8-3T37<'8'132;!&'9$32,'$-1'2;3&'!£+<29!;38'9
&3 683$'993 68'=-&'2$-Æ8-3T 93#8';<&3T &39 9'+<8!&39 <9<Æ8-39 &!9
68'9;!%×'968'=-&'2$-Æ8-!9W
!8!1'£,38=-9<!£-A!%È3T9'+<'<1'97<'1!7<'8'9<1'3!<f
?У-3f!$-&'2;'V

Cartilha - Educação previdenciária IBDP 60


21. PENSÃO POR MORTE

6'29È3638138;'Ì3#'2'ऄ$-36!+3!39&'6'2&'2;'9&39'f
+<8!&37<'(!£'$'8T!639'2;!&33<2È3W³68'9;!%È3&'6!+!1'2;3
$32ধ2<!&3T9<#9ধ;<-2&3!8'1<2'8!%È3&3(!£'$-&3T'7<'63&';'8
38-+'1$31<13<!$-&'2;Æ8-!W
98'7<-9-;396!8!!$32$'99È3&3#'2'ऄ$-39È3V!7<!£-&!&'&'
9'+<8!&3&3(!£'$-&3U3Õ#-;3&'9;'U!'?-9;Í2$-!&'&'6'2&'2;'97<'
6399!19',!#-£-;!8W<!2;3!39&'6'2&'2;'9'£'99È3&-=-&-&39'1
;8Í9$£!99'9T&!9'+<-2;'1!2'-8!V

£!99'ˆV 3$Ö2/<+'T!$316!2,'-8!T3$316!2,'-83'3)£,32È3
'1!2$-6!&3T&'7<!£7<'8$32&-%È3T1'238&'‰ˆ!2393<-2f
=Æ£-&33<7<';'2,!&')$-Í2$-!-2;'£'$;<!£3<1'2;!£3<&'f
)$-Í2$-!+8!='W
£!99'‰V 396!-9T&'9&'7<'$31683=!&!!&'6'2&Í2$-!'$32Öf
1-$!'18'£!%È3!3)£,39'+<8!&3W
£!99'ŠV3-81È32È3'1!2$-6!&3T&'7<!£7<'8$32&-%È3T1'238
&'‰ˆ!2393<-2=Æ£-&33<7<';'2,!&')$-Í2$-!-2;'£'$;<!£
3<1'2;!£3<&')$-Í2$-!+8!='T&'9&'7<'$31683=!&!!&'f
6'2&Í2$-!'$32Ö1-$!'18'£!%È3!3-81È39'+<8!&3W

!8!39&'6'2&'2;'9&!£!99'ˆ!68'9<2%È3&'&'6'2&Í2$-!
'$32Ö1-$!Ì68'9<1-&!T3<9'/!T$!933#'2')$-Æ8-39'/!$Ö2/<+'T;'f
2,! $329ধ;<Ð&3 <2-È3 '9;Æ='£T 3< 9'/!T )£,3 1'238 &' ‰ˆ !239 &3
(!£'$-&3T/Æ'?-9;'3&-8'-;3!3#'2'ऄ$-3W<!2&3(388'7<'8'8T#!9;!
!68'9'2;!8!$'8ধ&È3&'$!9!1'2;3T3<&'<2-È3'9;Æ='£T3<!$'8ধf
&È3&'2!9$-1'2;3W
!8!39&'1!-9&'6'2&'2;'9T&!93<;8!9$£!99'9T!&'6'2&Í2$-!
'$32Ö1-$!2È3Ì68'9<1-&!W £!'?-+'$31683=!%È3T3<9'/!TÌ68'f
$-93&'1329;8!87<'!7<'£'9!£-£-9;!&39&'6'2&-!1)2!2$'-8!1'2;'
&3 9'+<8!&3 (!£'$-&3W 99! &'6'2&Í2$-! '$32Ö1-$! 63&' 9'8 $31f

61 Cartilha - Educação previdenciária IBDP


683=!&! 6'£! &'1329;8!%È3 &' &'6Õ9-;39 #!2$Æ8-39T &'$£!8!%È3 &'
-1639;3&'8'2&!T8'$-#39T';$W
1638;!2;' 8'99!£;!8T !7<-T 7<' 9'+<2&3 ! £'+-9£!%È3 68'=-&'2f
$-Æ8-!U<1!$£!99'&'&'6'2&'2;'9'?$£<-!3<;8!W<9'/!T,!='2&3
)£,39T638'?'16£3T396!-93<-81È39&3(!£'$-&3)$!1'?$£<Ð&39W
'1#8!2&3 ;!1#Ì1 7<' 3 9'+<8!&3 (!£'$-&3 &'=' ;'8 ! 7<!£-f
&!&'&'9'+<8!&3&'1329;8!&!2!&!;!&3Õ#-;3T-9;39-+2-)$!'9;!8
$32;8-#<-2&36!8!!8'=-&Í2$-!3$-!£W
!8!Õ#-;393$388-&39!6!8ধ8&'ˆŒc‡ˆc‰‡ˆŒT3$Ö2/<+'T$31f
6!2,'-83 3< $316!2,'-8! ;'8Æ 7<' $31683=!8 7<' 3 Õ#-;3 3$388'<
&'63-9&'='8ধ&!9ˆ¥$32;8-#<-%×'91'29!-9'6'£31'239&3-9!239
!6Õ93-2Ð$-3&3$!9!1'2;33<<2-È3'9;Æ='£W
3<=';!1#Ì1!£;'8!%È3$318'£!%È3Å&<8!%È3&!6'29È3T23
;3$!2;'!39&'6'2&'2;'9$Ö2/<+'9'$316!2,'-839W!932È3;'2,!
398'7<-9-;39&';'163&'<2-È33<$!9!1'2;3'c3<!9ˆ¥$32;8-#<-f
%×'9T!6'29È39'8Æ1!2ধ&!638!6'2!9‹l7<!;83m1'9'9W
38Ì1T$!93398'7<-9-;39!$-1!'?-9;!1T!&<8!%È3&!6'29È3
9'+<-8Æ<1!;!#'£!683+8'99-=!&';'163T32&'9'8Æ!=!£-!&!!-&!&'
&3&'6'2&'2;'$Ö2/<+'3<$316!2,'-832!&!;!&3Õ#-;3&39'+<8!f
&3T$32(381'!9'+<-8V

– '239&'‰‰!239VŠ!239
– 2;8'‰‰'‰!239V¤!239
– 2;8'‰¥'Š‡!239Vˆ‡!239
– 2;8'Šˆ'‹ˆ!239VˆŒ!239
– 2;8'‹‰'‹‹!239V‰‡!239
– ‹Œ!2393<1!-9V'2'ऄ$-3-;!£Ð$-3

8'(381!!£;'83<3=!£38&!6'29È3638138;'7<'6!993<!9'8
23 '7<-=!£'2;' ! <1! $3;! (!1-£-!8 !$8'9$-&! &' <1 6'8$'2;<!£ 638
&'6'2&'2;'W
99!$3;!Ì&'Œ‡¦ˆ‡¦638&'6'2&'2;'T&'2;83&!7<'£!£-9;!
7<'/Æ'2<1'8!139!$-1!W

Cartilha - Educação previdenciária IBDP 62


'/!13923'?'16£3!#!-?3V
'<19'+<8!&37<'(!£'$'<&'-?3<!6'2!9<1&'6'2&'2;'T!3
=!£38&3#'2'ऄ$-39'8Æ&'¤‡¦&3=!£38&!!639'2;!&38-!7<'39'+<f
8!&38'$'#-!3<&!7<'£!7<''£';'8-!&-8'-;3$!93(399'!639'2;!&3
638-2=!£-&'AW
1 &';!£,'V ! !639'2;!&38-! 638 -2=!£-&'A ;'1 <1 6'8$'2;<!£
¤‡¦‰¦!$!&!!23!£Ì1&'ˆŒ&'$32;8-#<-%×'9W 2;È39'39'+<f
8!&3ধ2,!1'2397<'ˆŒ!239&';'163&'$32;8-#<-%È3T9<!!63f
9'2;!&38-!9'8Æ&'¤‡¦93#8''99!1Ì&-!W
3-9#'1R 99'6'8$'2;<!£&'ˆ‡¦=!-!<1'2;!2&37<!2&3,3<f
='81!-9&'<1&'6'2&'2;'W

3-9&'6'2&'2;'9VŒ‡¦ˆ‡¦ˆ‡¦’‡¦
8Í9&'6'2&'2;'9VŒ‡¦ˆ‡¦ˆ‡¦ˆ‡¦’¥‡¦
<!;83&'6'2&'2;'9VŒ‡¦ˆ‡¦ˆ‡¦ˆ‡¦ˆ‡¦’Ž‡¦
-2$3&'6'2&'2;'93<1!-9VŒ‡¦ˆ‡¦ˆ‡¦ˆ‡¦ˆ‡¦
ˆ‡¦’ˆ‡‡¦

IMPORTANTE:2'2,<1!6'29È363&'8Æ9'8-2('8-38!39!f
£Æ8-31Ð2-13W

?-9;' <1! '?$'%È3W 1 $!93 &' &'6'2&'2;' -2=Æ£-&3 3< $31


&')$-Í2$-! -2;'£'$;<!£T 1'2;!£ 3< +8!='T 3 =!£38 &! 6'29È3 9'8Æ &'
ˆ‡‡¦T!;Ì3£-1-;'1Æ?-13&3;';3&!8'=-&Í2$-!W
<;8! !£;'8!%È3 -1638;!2;' Ì 8'('8'2;' !3 7<' !$32;'$'
7<!2&3'2$'88!8!7<!£-&!&'&'&'6'2&'2;'&'<1&39#'2')$-f
Æ8-39 l23 $!93 &' )£,3T 7<!2&3 !ধ2+-8 39 ‰ˆ !239T 638 '?'16£3mW
'99'$!93T!9<!$3;!638&'6'2&'2;'$'99!8Æ;!1#Ì1l3<9'/!T
39ˆ‡¦'18!AÈ3&'99'&'6'2&'2;'T2È39'8È31!-9931!&39!3
=!£38&!6'29È3mW
'/!139'1=!£38'96!8!)$!81!-9(Æ$-£&'$3168''2&'8V

63 Cartilha - Educação previdenciária IBDP


 ?'16£3 ‡ˆV !93 3 9'+<8!&3 (!£'$-&3 ;'2,! <1! !639'2f
;!&38-! &' ‚ Š‡‡‡T‡‡T ' &'-?3< <1! 1<£,'8 ' ˆ )£,3 1'f
238T3$Æ£$<£3&!6'29È39'8Æ&'‡¦93#8'39‚Š‡‡‡T‡‡
’‰ˆ‡‡T‡‡W<!2&33)£,31'238!ধ2+-8‰ˆ!239T!$3;!&'
ˆ‡¦$'99!8ÆT8'9;!2&36!8!!'9639!T3=!£38&'‚ˆ¥‡‡T‡‡W
1638;!2;'8'99!£;!87<''99'=!£389'8Æ8'$'#-&36'£3;'163
&';'81-2!&36'£!£'-'&'6'2&'8Æ&!-&!&'7<''£!ধ2,!2!
&!;!&3Õ#-;3&3(!£'$-&3W
?'16£3‡‰V!9339'+<8!&3(!£'$-&3'9ধ='99';8!#!£,!2&3
'$32;8-#<-2&3$311'239&'ˆŒ!239&';'163T'9<!1Ì&-!
6!8!<1!'='2;<!£!639'2;!&38-!(399'&'‚Š‡‡‡T‡‡T3=!£38
&!6'29È39'8Æ$!£$<£!&393#8'3$Æ£$<£3&!!639'2;!&38-!638
-2=!£-&'AW99-1T¤‡¦&'Š‡‡‡T‡‡9È3ˆ¥‡‡T‡‡W3#8''99'9‚
ˆ¥‡‡T‡‡-2$-&-8Æ!$3;!&'‡¦6!8!!'9639!'3)£,31'238W
<9'/!T!6'29È39'8Æ&'‚ˆ‰¤‡T‡‡T6!8!!'9639!'3)£,3T
9'2&37<'!$3;!&'ˆ‡¦&3)£,3$'99!8Æ$319<!1!-38-&!&'T
£-1-;!2&3!<19!£Æ8-31Ð2-136!8!!'9639!23(<;<83W

99-1T3=!£38&!8'2&!1'29!£-2-$-!£&!6'29È3638138;'9'8Æ
&'¤‡¦&39!£Æ8-3&'#'2'ऄ$-3‰¦!$!&!!23!£Ì1&39‰‡!239&'
$32;8-#<-%È3T9',31'1T3<ˆŒ!239T9'1<£,'8W!93!6'29È3138;'
9'&Í'1&'$388Í2$-!&'!$-&'2;'&';8!#!£,3T!!639'2;!&38-!7<'
9'8='638#!9'9'8Æ'7<-=!£'2;'!ˆ‡‡¦&39!£Æ8-3&'#'2'ऄ$-3W
!8!1'£,38=-9<!£-A!%È3T9'+<'<1'97<'1!7<'8'9<1'!6'2f
9È3638138;'23 V

Cartilha - Educação previdenciária IBDP 64


22. AUXÍLIO-RECLUSÃO
'2&3!8'=-&Í2$-!<19-9;'1!7<'+!8!2;'683;'%È32È39Õ!3
9'+<8!&3T1!9Å9<!(!1У-!T!9<#9-9;Í2$-!'1$!93&''='2;397<'
2È36'81-;!1!1!2<;'2%È3 638$32;! 68Õ68-!&'='!$32;'$'8!39
&'6'2&'2;'9&38''2&<$!&3&39-9;'1!68-9-32!£T&-!2;'&3-&'!£&'
93£-&!8-'&!&'W
8-!&3 '1 ˆŽ¤‡T $31 3 -2;<-;3 &' 683;'+'8 !9 (!1У-!9 &39 -2f
+8'9939 23 9-9;'1! 68-9-32!£T 3 #'2'ऄ$-3 7<' !-2&! Ì 63£Í1-$3T !;Ì
‰‡ˆŽ9Õ'8!8'$'#-&3638‹T‹¦&39&'6'2&'2;'9&';3&!!636<£!%È3
$!8$'8Æ8-!2!$-32!£T3<9'/!T<12Ú1'83#!9;!2;'#!-?3'7<'9'+<-!
8'&<A-2&3$32(381'!£;'8!%×'9'8!18'!£-A!&!92!9'?-+Í2$-!96!8!
9<!$32$'99È3W
#'2'ऄ$-3&'!<?У-3f8'$£<9È32È3Ì6!+3!39'+<8!&3T1!9!39
9'<9&'6'2&'2;'9T7<'&-!2;'&!9-;<!%È3T)$!8-!1$316£';!1'2;'
&'9!16!8!&39T2È3(399'3!<?У-3W 2'+!8f£,'93#'2'ऄ$-3T&'<1
9'+<8!&37<'&'(!;3$32;8-#<Ð!T9'8-!31'9137<'-2$'2ধ=Æf£39!
68Æধ$!9&'£-;<39!96!8!1!2<;'2%È3&'9<!9<#9-9;Í2$-!W
!8! 9<! $32$'99È3T ! 8'$£<9È3 &'=' ;'8 3$388-&3 23 68!A3 &'
1!2<;'2%È3&!7<!£-&!&'&'9'+<8!&3'39'+<8!&3&'='$32;!8$31
!$!8Í2$-!&'‰‹$32;8-#<-%×'91'29!-9!2;'8-38'9!38'$3£,-1'2;3W
'='T!-2&!T9'89'+<8!&3&'#!-?!f8'2&!T$</3=!£38&!8'2&!#8<;!
2È3<£;8!6!99'39£-1-;'9£'+!-9W
=!£38&!8'2&!1'29!£-2-$-!£!;Ì! ˆ‡Šc‰‡ˆŽ'8!-+<!£!
ˆ‡‡¦ &3 9!£Æ8-3 &' #'2'ऄ$-3W 31 ! !£;'8!%È3T ,3<=' ! £-1-;!%È3
&'9;'=!£38 ! <1 9!£Æ8-3f1Ð2-13W 3#8' 3=!£38 £-1-;'T '£' 6!993< !
9'8 $!£$<£!&3 2! 1Ì&-! &39 ˆ‰ 1'9'9 !2;'8-38'9 !3 8'$3£,-1'2;3 Å
68-9È3!6!8ধ8&!968-9×'98'!£-A!&!9'1ˆ¥c‡ˆc‰‡ˆŽW'38'$£<93
ধ='88'$'#-&3#'2'ऄ$-3638-2$!6!$-&!&'2'99'9ˆ‰Ú£ধ1391'9'9TÌ

2 <https://www.poder360.com.br/governo/governo-dificulta-acesso-ao-au-
xilio-reclusao-e-total-de-beneficiarios-cai-20/> (Acessado em 30 de julho de
2021)

65 Cartilha - Educação previdenciária IBDP


$329-&'8!&33!£Æ8-3&''2'ऄ$-3&!7<'£'6!8!3$Æ£$<£3&3'27<!f
&8!1'2;3&!#!-?!8'2&!W
'2&!'29!£ 2-$-!£l mÌ&'ˆ‡‡¦&37<'39'+<8!&38'f
$'#'8-!'1$!93&'639'2;!&38-!638 2=!£-&'AW!99'!68-9È3(3-
8'!£-A!&! ! 6!8ধ8 &' ˆŠcˆˆc‰‡ˆŽ l-2Ð$-3 &' =-+Í2$-! &! '(381!m !
 Ì&'ˆ!£Æ8-3Ð2-13W
!8!1'£,38=-9<!£-A!%È3T9'+<'<1'97<'1!7<'8'9<1'3!<f
?У-3f8'$£<9È3V

Cartilha - Educação previdenciária IBDP 66


23. ACIDENTE DE TRABALHO PARA
FINS PREVIDENCIÁRIOS

 $32$'-;3 &' !$-&'2;' &' ;8!#!£,3 6!8! ! 8'=-&Í2$-! 3$-!£


63&'9'8'2$32;8!&323!8ধ+3ˆŽ&!'-¥W‰ˆŠcŽˆT7<'3&')2'&!
9'+<-2;'1!2'-8!V[$-&'2;'&3;8!#!£,3Ì37<'3$388'6'£3'?'8$Ð$-3
&3;8!#!£,3!9'8=-%3&''168'9!3<&''168'+!&38&31Ì9ধ$33<
6'£3'?'8$Ð$-3&3;8!#!£,3&399'+<8!&398'('8-&3923-2$-93 &3
!8;Wˆˆ&'9;!'-T683=3$!2&3£'9È3$38638!£3<6'8;<8#!%È3(<2$-32!£
7<'$!<9'!138;'3<!6'8&!3<8'&<%È3T6'81!2'2;'3<;'1638Æf
8-!T&!$!6!$-&!&'6!8!3;8!#!£,3W\
31-993T=!£'&'-?!8$£!837<''99!&')2-%È3;8!A-&!6'£!£'-2È3
'?$£<-39!$-&'2;'93$388-&39(38!&3£3$!£&3;8!#!£,3T&'9&'7<'3
!$-&'2;!&3'9;'/!!9'8=-%3&!'168'9!T3<!;8!#!£,3638'£!T6387<'
'?-9;'1(<2%×'9&-='89!9&'2;83&'<1!8'£!%È3&';8!#!£,37<';Í1
9<!9;!8'(!9('-;!9(38!&3£3$!£ऄ9-$3&!'168'9!W
99'$32$'-;3&3!8ধ+3ˆŽÌ37<'Ì&'231-2!&3&'!$-&'2;'
&';8!#!£,3঩6-$3T3<9'/!T!7<'£'7<'£'9-32!&'1!2'-8!-1'&-!;!3
9'+<8!&3'3$388'&'1!2'-8!!#8<6;!T[&'<1!,38!68!3<;8!\T9<8f
68''2&'W Æ;!1#Ì1T638&')2-%È3&!1'91!£'-£3+3239!8ধ+39‰‡
'‰ˆT3!$-&'2;'&';8!#!£,3!঩6-$3T3<638'7<-6!8!%È3W
99-1&')2'!£'-V

8;W‰‡W329-&'8!1f9'!$-&'2;'&3;8!#!£,3T239;'8139&3!8ধ+3
!2;'8-38T!99'+<-2;'9'2ধ&!&'91Õ8#-&!9V
f&3'2%!683)99-32!£T!99-1'2;'2&-&!!683&<A-&!3<&'9'2$!f
&'!&!6'£3'?'8$Ð$-3&3;8!#!£,36'$<£-!8!&';'81-2!&!!ধ=-&!&'
' $329;!2;' &! 8'96'$ধ=! 8'£!%È3 '£!#38!&! 6'£3 -2-9;Ì8-3 &3
8!#!£,3 ' &! 8'=-&Í2$-! 3$-!£U  f &3'2%! &3 ;8!#!£,3T !99-1
'2;'2&-&!!!&7<-8-&!3<&'9'2$!&'!&!'1(<2%È3&'$32&-%×'9
'96'$-!-9'17<'3;8!#!£,3Ì8'!£-A!&3'$31'£'9'8'£!$-32'&-f
8';!1'2;'T$329;!2;'&!8'£!%È31'2$-32!&!23-2$-93
8;W‰ˆW 7<-6!8!1f9';!1#Ì1!3!$-&'2;'&3;8!#!£,3T6!8!'('-f
;39&'9;!'-V

67 Cartilha - Educação previdenciária IBDP


 f 3 !$-&'2;' £-+!&3 !3 ;8!#!£,3 7<'T '1#38! 2È3 ;'2,! 9-&3 !
$!<9!Ú2-$!T,!/!$32;8-#<Ð&3&-8';!1'2;'6!8!!138;'&39'+<8!f
&3T6!8!8'&<%È33<6'8&!&!9<!$!6!$-&!&'6!8!3;8!#!£,3T3<
683&<A-&3£'9È37<''?-/!!;'2%È31Ì&-$!6!8!!9<!8'$<6'8!%È3U
f3!$-&'2;'93(8-&36'£39'+<8!&323£3$!£'23,38Æ8-3&3;8!f
#!£,3T'1$329'7<Í2$-!&'V
!m!;3&'!+8'99È3T9!#3;!+'13<;'8838-91368!ধ$!&3638;'8$'-83
3<$316!2,'-83&';8!#!£,3U#m3('29!ऄ9-$!-2;'2$-32!£T-2$£<9-='
&';'8$'-83T63813ধ=3&'&-96<;!8'£!$-32!&!!3;8!#!£,3U$m!;3
&'-168<&Í2$-!T&'2'+£-+Í2$-!3<&'-16'8Ð$-!&';'8$'-833<&'
$316!2,'-83&';8!#!£,3U&m!;3&'6'993!68-=!&!&3<93&!8!f
AÈ3U'm&'9!#!1'2;3T-2<2&!%È3T-2$Í2&-3'3<;839$!939(38;<-;39
3<&'$388'2;'9&'(38%!1!-38U
f!&3'2%!683='2-'2;'&'$32;!1-2!%È3!$-&'2;!£&3'168'f
+!&3 23 '?'8$Ð$-3 &' 9<! !ধ=-&!&'U  f 3 !$-&'2;' 93(8-&3 6'£3
9'+<8!&3!-2&!7<'(38!&3£3$!£',38Æ8-3&';8!#!£,3V
!m2!'?'$<%È3&'38&'13<2!8'!£-A!%È3&'9'8=-%393#!!<;38-f
&!&'&!'168'9!U#m2!68'9;!%È3'9632;Ç2'!&'7<!£7<'89'8=-%3
Å'168'9!6!8!£,''=-;!868'/<ÐA33<683638$-32!8683='-;3U$m'1
=-!+'1!9'8=-%3&!'168'9!T-2$£<9-='6!8!'9;<&37<!2&3)2!2f
$-!&!638'9;!&'2;83&'9'<96£!2396!8!1'£,38$!6!$-;!%È3&!
1È3f&'f3#8!T-2&'6'2&'2;'1'2;'&31'-3&'£3$313%È3<ধ£-A!f
&3T-2$£<9-='='Ð$<£3&'68368-'&!&'&39'+<8!&3U

31-993T)$!'=-&'2$-!&3!-2;'2%È3&!£'-'1683;'+'839'+<f
8!&3'8'9+<!8&Æf£3&'=Æ8-!9,-6Õ;'9'9!$-&'2;!-9W!2;32!&3'2%!
'7<-6!8!&!3<23!$-&'2;'঩6-$339'+<8!&3;'8Æ&-8'-;3!3#'2'ऄ$-3
7<'1'£,389''2$!-?!823$!93$32$8';3T9'/!!<?У-3638-2$!6!$-f
&!&' ;'1638Æ8-!T !639'2;!&38-! 638 -2$!6!$-&!&' 6'81!2'2;'T 3<
!£+<13<;83W

Cartilha - Educação previdenciária IBDP 68


24. HABILITAÇÃO E REABILITAÇÃO
PROFISSIONAL
-('8'2;' &39 3<;839 #'2'ऄ$-39 68'=-&'2$-Æ8-39T 6!+39 '1 6'f
$Ú2-!T ! ,!#-£-;!%È3 ' ! 8'!#-£-;!%È3 683)99-32!£ 9È3 3('8'$-&!9 6'£!
!<;!87<-!&'3<;8!1!2'-8!W³<1#'2'ऄ$-3c9'8=-%36!8!39'+<8!&3
7<'&'£'2'$'99-;''18!AÈ3&'<1!-2$!6!$-&!&'W
31(<2&!1'2;3/<8Ð&-$3239!8ধ+39¥Ž!ŽŠ&!'-¥W‰ˆŠcŽˆT39
&3-99'8=-%39&'='1683638$-32!8!3#'2')$-Æ8-3-2$!6!$-;!&36!8$-!£
3<;3;!£1'2;'6!8!3;8!#!£,3T'Å96'993!9$31&')$-Í2$-!T391'-39
6!8!!l8'm'&<$!%È3'&'l8'm!&!6;!%È3683)99-32!£'93$-!£-2&-$!&39
6!8!6!8ধ$-6!8&31'8$!&3&';8!#!£,3'&3$32;'?;3'17<'=-='W
!£'&-A'8!7<-7<';!2;339'8=-%3&'l8'm'&<$!%È3'l8'm!&!6;!f
%È3683)99-32!£'93$-!£-2&'6'2&'1&'7<!£7<'8$!8Í2$-!T'&'='1
9'8 3('8;!&39 6'£3 T -2$£<9-=' !39 !639'2;!&39T 2! 1'&-&! &!9
6399-#-£-&!&'9&3Õ8+È3&'8'=-&Í2$-!3$-!£W
!1#Ì19'8Æ$32$'&-&3T'17<!£7<'8&!9,-6Õ;'9'9T!<?У-36!8!
;8!;!1'2;3 3< '?!1' (38! &3 &31-$У-3 &3 #'2')$-Æ8-3 'T 7<!2&3
$32$£<Ð&3939683$'&-1'2;392'$'99Æ8-39T!8'=-&Í2$-!3$-!£'1-ধf
8Æ$'8ধ)$!&3-2&-=-&<!£T-2&-$!2&3!9!ধ=-&!&'97<'63&'19'8'?'8f
$-&!9 6'£3 #'2')$-Æ8-3T 2!&! -16'&-2&3 7<' '?'8%! 3<;8! !ধ=-&!&'
6!8!!7<!£9'$!6!$-;!8W
£'-&-96×'7<'!8'!#-£-;!%È3683)99-32!£$3168''2&'V

!m 3(382'$-1'2;3&'!6!8'£,3&'68Õ;'9'TÕ8;'9''-29;8<1'2f
;39&'!<?У-36!8!£3$313%È37<!2&3!6'8&!3<8'&<%È3&!
$!6!$-&!&'(<2$-32!£6<&'89'8!;'2<!&!6389'<<93'&39
'7<-6!1'2;392'$'99Æ8-39Å,!#-£-;!%È3'8'!#-£-;!%È393$-!£
'683)99-32!£U
#m !8'6!8!%È33<!9<#9ধ;<-%È3&39!6!8'£,391'2$-32!&3923
-2$-93!2;'8-38T&'9+!9;!&396'£3<932381!£3<6383$388Í2f
$-!'9;8!2,!Å=32;!&'&3#'2')$-Æ8-3U
$m3;8!29638;'&3!$-&'2;!&3&3;8!#!£,3T7<!2&32'$'99Æ8-3W

69 Cartilha - Educação previdenciária IBDP


2)1T'?-9;'<16'8$'2;<!£1Ð2-13'1$!&!'168'9!&'$!8+39
7<'&'='13#8-+!;38-!1'2;'9'868''2$,-&39$31#'2')$-Æ8-398'!f
#-£-;!&393<6'993!9638;!&38!9&'&')$-Í2$-!W!8!!9'168'9!9&'
!;̉‡‡'168'+!&39T‰¦U&'‰‡ˆ!Œ‡‡TŠ¦U&'Œ‡ˆ!ˆW‡‡‡T‹¦U'
&'ˆW‡‡ˆ'1&-!2;'TŒ¦W
&-96'29!&'<1&'99'9'168'+!&39T9Õ63&'8Æ3$388'8!6Õ9!
$32;8!;!%È3&'3<;83T2!1'91!$32&-%È3W

-8';38-!-'2঩)$!&3 
<£-!2''2;'!&3!2;!2!
8<2!!8;39
2;32-3!A-£-3 £38-!2-';3
!#8-'£3ħ!
Ç2-!£-$' '88'-8!-1!!1639
<!2! 38-<$,-

Cartilha - Educação previdenciária IBDP 70


SIGLAS UTILIZADAS NAS AÇÕES
PREVIDENCIÁRIAS

CNIS = !&!9;83!$-32!£&' 2(381!%×'93$-!-9W!2$3&'&!&39


1!2ধ&3 6'£! 8'=-&Í2$-! 3$-!£ ' &' !$'993 8'9;8-;3 23 7<!£T '2;8'
3<;839'£'1'2;39T9È3-2(381!&3939=Ð2$<£39'168'+!঩$-39&39'f
+<8!&3'398'96'$ধ=399!£Æ8-39f&'f$32;8-#<-%È3W

DAT =!;!&3(!9;!1'2;3&38!#!£,3W!8!'('-;39&'$Æ£$<£3Ì!
&!;!!6!8ধ8&!7<!£39'+<8!&32È36399<-1!-9$32;8-#<-%×'968'f
=-&'2$-Æ8-!9W

’!;!&!'99!%È3&3'2'ऄ$-3W³!&!;!!6!8ধ8&!7<!£2È3
,3<=' 1!-9 6!+!1'2;39 &3 #'2'ऄ$-3 68'=-&'2$-Æ8-3W 3&' 3$388'8
'1=-8;<&'&'!£;!1Ì&-$!l239$!939&'<?У-39f3'2%!'639'2f
;!&38-!9638 2=!£-&'AmT1!-38-&!&'&3ধ;<£!8l23$!93&''29×'9638
38;'8'$'#-&!96381'238'9mT£-#'8&!&'$32$'&-&!!9'+<8!&37<'
'9;!=!8'$3£,-&3!'9;!#'£'$-1'2;368-9-32!£l23$!93&'<?У-39f'f
$£<9È3mTÕ#-;3&3ধ;<£!8l'1;3&3939ধ639&'#'2'ऄ$-39mT$32$'99È3
&'3<;8!'96Ì$-'&'#'2'ऄ$-33<638$329;!;!%È3&'-88'+<£!8-&!&'
2!$32$'99È3&3#'2'ऄ$-3W

DER =!;!&! 2;8!&!&3'7<'8-1'2;3W³!&!;!'17<'39'+<8!&3


683;3$3£3</<2;3!3 36'&-&3&'$32$'99È3&'<1&';'81-2!&3
#'2'ऄ$-3W!93'9;'9'/!&'('8-&3T9'8Æ;!1#Ì1!&!;!!6!8ধ8&!7<!£
396!+!1'2;399'8È3('-;39l'?$';3239$!939&'6'29×'9638138;'
$32$'&-&!9 ! 1'238'9T -2$!6!A'9 3< 8'7<'8-&!9 7<!2&3 &'$388-&39
231Æ?-13Š‡&-!9&3Õ#-;3&3-29ধ;<-&38T9-;<!%×'9'17<'396!+!f
1'2;39-8È38';83!+-8Å&!;!&3(!£'$-1'2;3&39'+<8!&3f-29ধ;<-&38mW

 ’!;!&3 2Ð$-3&3'2'ऄ$-3W3133231'&-ATÌ!&!;!'17<'
9' -2-$-! <1 &';'81-2!&3 #'2'ऄ$-3W 381!£1'2;'T $3-2$-&' $31 !
 W

71 Cartilha - Educação previdenciária IBDP


DIP = !;! &3 2Ð$-3 &39 !+!1'2;39W ³ ! &!;! ! 6!8ধ8 &! 7<!£ 39
=!£38'91'29!-9'('ধ=!1'2;'$31'%!1!9'86!+39!39'+<8!&32!
=-!!&1-2-9;8!ধ=!W

HISCRE = -9;Õ8-$3 &' $8Ì&-;39W 3$<1'2;3 &-9632-#-£-A!&3 6'£3


'17<'9È38'£!$-32!&3939Ú£ধ1396!+!1'2;39('-;39!39'f
+<8!&3W

   ’ 2(381!%×'9 &3 #'2'ऄ$-3W 3$<1'2;3 &-9632-#-£-A!&3


6'£3 '17<'9È3;8!A-&39!£+<29&!&39-1638;!2;'9&3#'2'f
ऄ$-3T $313 9'< 2Ú1'83T 231' &3 ধ;<£!8T &!;! &' 2!9$-1'2;3T  T
 T Tl9'(383$!93m'!8'2&!!;<!£W

’Ú1'83&3#'2'ऄ$-3W

MR = '29!£-&!&' 8'!/<9;!&!W ³ 3 =!£38 !;<!£ &3 #'2'ऄ$-3T 9'1


7<!-97<'8&'9$32;39l-1639;3&'8'2&!T$329-+2!%×'9T'168Ì9ধ139
#!2$Æ8-39T&Ì#-;39&'6'29×'9!£-1'2঩$-!9T';$Wm3<!$8Ì9$-139l&'f
=3£<%È3&' T9!£Æ8-3f(!1У-!T';$WmW

’'8Ð3&3#Æ9-$3&'$Æ£$<£3W³3-2;'8=!£3237<!£9'8È3#<9$!&39
399!£Æ8-39f&'f$32;8-#<-%È3&39'+<8!&36!8!'(';<!8f9'3$Æ£$<£3&'
9'<#'2'ऄ$-3W3&'9'839Š¤9!£Æ8-39f&'f$32;8-#<-%È3-1'&-!;!1'2f
;'!2;'8-38'9Å l!6<8!&39'1!;Ì‹¥1'9'9m3<;3&39399!£Æ8-39f
f&'f$32;8-#<-%È3&'9&'‡cŽ‹!;Ì31Í9!2;'8-38Å T&'6'2&'2&3
&!£'+-9£!%È3!6£-$Æ='£!$!&!$!93W

 c  ’-9;'1!&'#'2'ऄ$-39T1!2ধ&36'£! 
l 168'9! &' '$23£3+-! ' 2(381!%×'9 &! 8'=-&Í2$-! 3$-!£m ' &'
!$'9938'9;8-;3T237<!£63&'19'8$329<£;!&39&-='8939&3$<1'2;39
8'£!ধ=39!39#'2'ऄ$-39T$313   '  T#'1$3133#;'8
-2(381!%×'993#8''='2;<!-98'=-9×'93$388-&!9'9-1<£!8!$32$'9f
9È3&'&';'81-2!&39#'2'ऄ$-39W £W‰c‰

Cartilha - Educação previdenciária IBDP 72


PNS =-93!$-32!£&'!£Æ8-39T-29ধ;<Ð&36'£3!8;WˆC&3'$8';3f
f£'-2C‰WŠŒˆT&'&'!+39;3&'ˆŽ¥''?ধ2;36'£3!8;WŒC&!'-2C
W¥ŽT&'Š&'/<£,3&'ˆŽ¥Žl=-&'Ú1<£!ˆŒ&3 &!‹B'+-È3mW

RMI ='2&!1'29!£-2-$-!£W³3=!£38-2-$-!£&3#'2'ऄ$-32! T!6Õ9


!6£-$!&393(!;3868'=-&'2$-Æ8-3'c3<3$3')$-'2;'8'£!ধ=3!3ধ63&'
#'2'ऄ$-3T9'(383$!93'$32(381'£'+-9£!%È3!6£-$Æ='£W!8!&';'81-f
2!&39ধ639&'#'2'ऄ$-39'9-;<!%×'963&'$3-2$-&-8$313=!£38&3
9!£Æ8-3f&'f#'2'ऄ$-3T1!92È3Ì!8'+8!+'8!£W

RPV ='7<-9-%È3&''7<'23!£38Ì<1!'96Ì$-'&'8'7<-9-%È3&'
6!+!1'2;3&'&';'81-2!&!7<!2ধ!!7<'! !A'2&!Ú#£-$!(3-$32f
&'2!&!'1683$'993/<&-$-!£T6!8!=!£38'9;3;!-9!;̤‡9!£Æ8-391Ðf
2-139 638 #'2')$-Æ8-3W  68!A3 6!8! &'6Õ9-;3 &!9 9T /<2;3 !39
8-#<2!-9TÌ&'¤‡&-!9W

­ f f  · ’³!1Ì&-!&399!£Æ8-39f&'f$32;8-#<-%È3


$388-+-&39T£-1-;!&!!3;';3W £'2'19'168'$3-2$-&'$313=!£38&!
 W'6'2&'2&3&!£'+-9£!%È3!6£-$!&!T39!£Æ8-3&'#'2'ऄ$-3$38f
8'9632&'Å1Ì&-!1<£ধ6£-$!&!6'£3(!;3868'=-&'2$-Æ8-3W

­ f f  ¯ ’ ³ 3 =!£38f#!9' &3 8'2&-1'2;3


1'29!£&3;8!#!£,!&38'1!ধ=-&!&'93#8'37<!£-2$-&'3&'9$32;3
&!$32;8-#<-%È368'=-&'2$-Æ8-!W’!£Æ8-31Ð2-13&'8'('8Í2$-!T
-29ধ;<Ð&36'£3!8;W‰C&3'$8';3f£'-2C‰WŠŒˆT&'&'!+39;3&'ˆŽ¥
''?ধ2;36'£3!8;WŒC&!'-2CW¥Ž&'Š&'/<£,3&'ˆŽ¥Žl=-&'Úf
1<£!ˆŒ&3 &!‹B'+-È3mW

73 Cartilha - Educação previdenciária IBDP


ANOTAÇÕES
ANOTAÇÕES
29ধ;<;38!9-£'-83&'-8'-;38'=-&'2$-Æ8-3
<!<2'9!$,!&3T¤¥TC!2&!8f!£!‡¤
&-ऄ$-3,' -='g!-883V'2;83<8-ধ#!g
g V¥‡‰Œ‡f‡‡‡

>>>W-#&6W38+W#8

|-#&6$31<2-$!$!3

g 29ধ;<;38!9-£'-83&'-8'-;38'=-&'2$-Æ8-3

Você também pode gostar