Cíntia Setsuko Barros

A Reforma da Previdência, promulgada no dia 12 de novembro de 2019, através da Emenda Constitucional nº 06/2019, mudou o futuro dos brasileiros com as suas novas regras. Para esclarecê-las, fomos conversar com a Dra. Cintia Setsuko Nambu de Oliveira Toledo Pedroso de Barros, da Toledo Barros Advocacia, na Rua França Pinto. A especialista no assunto fala a seguir, sobre as principais mudanças da reforma, sua transição e os direitos dos aposentados

Pedaço da Vila: Quais são os benefícios criados pela Reforma Previdenciária? 

Dra.Cintia: Pois bem, com a reforma, pode-se dizer que há 3 tipos de benefícios no Regime Geral de Previdência Social: os pré-reforma, das regras de transição e os pós-reforma. Os Benefícios Pré-Reforma são os vigentes até a data da Emenda Constitucional nº 103/2019, possível de deferimento para segurados que já haviam implementado todos os requisitos antes da Emenda Constitucional nº 103 (direito adquirido), bem como benefícios com data do fato gerador antes da reforma. Os Benefícios das Regras de Transição são os trazidos pela Emenda Constitucional nº 103/2019 para segurados já filiados ao RGPS na entrada em vigor da Emenda e que ainda não haviam preenchido requisitos pelas regras anteriores até a reforma. Nas regras de transição estão as aposentadorias programáveis, que são por tempo de contribuição por idade e por aposentadoria especial. Os Benefícios Pós-reforma referem-se a todos os demais benefícios a partir de agora, exceto os previstos nas regras de transição e os que tiverem data do fato gerador anterior a EC 103. 

Pedaço da Vila: A reforma da previdência já está em vigor?

Dra.Cintia: As novas regras entraram em vigor no dia seguinte da promulgação da reforma — desde o dia 13 de novembro de 2019. Com exceção das novas alíquotas de contribuição para a Previdência, que passam a valer após 90 dias. 

Pedaço da Vila: Quais são as principais mudanças nas aposentadorias?

Dra.Cintia:: A reforma acabou definitivamente com a aposentadoria por tempo de contribuição, entretanto, para quem estava perto de se aposentar com as regras antigas, poderá entrar em algumas das regras de transição. A partir da reforma a idade mínima para pedir o benefício será de 62 anos para mulheres e 65 para homens. O tempo mínimo de contribuição no setor privado será de 15 anos para mulheres e 20 para homens. E de 25 anos no setor público para ambos, sendo necessário dez anos de atuação no serviço com cinco anos no cargo. É necessário que se tenha em mente dois grupos: quem já contribui para a previdência (já é segurado do INSS) e quem começará a contribuir após a publicação da emenda. Os trabalhadores que estão próximos de se aposentar poderão ser enquadrados em uma das regras de transição, que são uma forma de mudança gradual entre as regras antigas e as novas, a fim de reduzir os impactos na aposentadoria do segurado.  Cada uma exige requisitos específicos como idade mínima e tempo mínimo de contribuição. Na grande maioria dos casos, os segurados terão que contribuir por mais tempo do que o previsto nas regras antigas. Os trabalhadores que se filiarem ao INSS após a reforma, passarão a valer as novas regras. De forma geral, a emenda prevê que todas as aposen-tadorias terão uma idade mínima como requisito ou, então, uma pontuação mínima (somando idade e tempo de contribuição).  Portanto, não existirá mais uma espécie de benefício que exija somente o tempo de contribuição. 

Pedaço da Vila: A reforma contempla quais trabalhadores?

Dra.Cintia: Estão contemplados nessa reforma os trabalhadores urbanos, rurais, professores do setor privado e federais, servidores federais, policiais federais, civis do DF e agentes penitenciários. A reforma não abrange os militares, servidores estaduais e municipais.

Pedaço da Vila: Como fazer o cálculo dos benefícios para segurados que já tinham preenchido os requisitos para aposentadoria antes da reforma e só venham a requerer o benefício depois?

Dra.Cintia: O art. 3.º da PEC 103/2019 garante o direito adquirido aos segurados que já haviam implementado os requisitos para a concessão do benefício antes da Reforma Previdenciária, ou seja, mesmo que venha a requerer depois, os segurados poderão ter o cálculo da aposentadoria na forma das leis anteriores.

Pedaço da Vila: O que é direito adquirido em matéria previdenciária?

Dra.Cintia: Quem já possui os requisitos para se aposentar hoje, quaisquer que sejam as regras, isso é, na regra por tempo de contribuição ou por idade, tem o chamado Direito Adquirido. No Direito Adquirido, o trabalhador tem direito às regras atuais e, quando pedir sua aposentadoria, poderá escolher qual é a melhor regra e isso vale tanto para a forma de acesso quanto para o cálculo da aposenta-doria. Importante mencionar que a Emenda Constitucional n.º 103 prevê expressamente a proteção do direito adquirido dos segurados que preencham os requisitos para obtenção de benefícios até a data da sua promulgação, ainda que o benefício seja requerido em momento posterior à mudança das regras.

Pedaço da Vila: Qual a diferença entre Direito Adquirido e Expectativa de Direito?

Dra.Cintia: Há muita confusão no entendimento sobre isso. De um modo geral, o Direito Adquirido é uma espécie de direito que foi definitivamente incorporado ao patrimônio jurídico de uma pessoa. Neste caso, a pessoa já cumpriu todos os requisitos exigidos pela lei. Diferentemente, a expectativa de direito ocorre quando há um direito que está próximo a concretizar-se, porém não foram cumpridos todos os requisitos exigidos pela lei. A pessoa tem apenas uma expectativa, que se cumpridos os requisitos necessários, surgirá, então, o seu direito. O Supremo Tribunal Federal (STF) não considera abrangido pela garantia constitucional a proteção de simples expectativas de direito. Nesse viés, quem já começou a contribuir para o INSS ou mesmo quem está ‘quase para se aposentar’ e está quase somando o tempo de contribuição, tem o que chamamos de Expectativa de Direito. Todavia, para quem já cumpriu os requisitos para aposentar-se pela regra atual (ou quem os cumprir até a data de publicação da PEC 287/2016) tem direito adquirido à aposen-tadoria pelas regras antigas e pode continuar trabalhando e pedi-la só no futuro, se quiser.

Pedaço da Vila: Como ficará o valor das aposentadorias?   

Dra.Cintia: O valor das aposentadorias será calculado utilizando-se 100% dos salários de contribuição, com base em todos os salários do segurado, ainda que baixos, integrarão o cálculo do valor do salário de benefício. Quando o segurado atingir o tempo mínimo de contribuição (15 anos para mulheres e 20 anos para homens), os trabalhadores do regime geral terão direito a 60% do valor do benefício integral, com o percentual subindo 2 pontos para cada ano a mais de contribuição. Para ter direito a 100% da média dos salários, a mulher terá que contribuir por 35 anos e o homem, por 40 anos. Para o trabalhador que já está no mercado e contribui com o INSS antes da entrada em vigor da reforma, o tempo mínimo de contribuição se manterá em 15 anos para ambos. Para os novos trabalhadores, que começarem a contribuir depois da reforma, serão exigidos ao menos 20 anos de contribuição. É importante mencionar que o valor da aposentadoria nunca será superior ao teto do INSS, atualmente em R$ 5.839,45, nem inferior 

ao salário mínimo (hoje, em R$ 998). 

Pedaço da Vila: Isso significa que o valor do futuro benefício será menor?

Dra.Cintia: Depende. Isso porque há uma outra mudança na regra dos salários. Antes da reforma, para chegar no valor da aposentadoria, o INSS considera os 80% melhores salários desde julho de 1994, quando o Plano Real passou a valer. A reforma vai calcular o salário de contribuição com uma média aritmética simples. Ou seja, todos os salários passam a contar, inclusive os mais baixos, e isso pode baixar o valor da aposentadoria. Para trabalhadores que recebem salários próximos ao mínimo, a mudança não deve trazer alterações.

Pedaço da Vila: Alguém vai conseguir receber aposentadoria integral depois da reforma?

Dra.Cintia: Sim, desde que tenha 40 anos de contribuição. A regra da reforma permite inclusive que quem trabalhar mais de 40 anos, ganhe mais que os 100% da aposentadoria. Se um trabalhador ficar no mercado por 42 anos, por exemplo, vai receber 104% do seu salário de benefício.

Pedaço da Vila: Há alteração para a pensão por morte?

Dra.Cintia: Com a reforma o valor da pensão por morte ficará menor. O benefício familiar será de 50% do valor mais 10% por dependente, até o limite de 100% para cinco ou mais dependentes, tanto para trabalhadores do setor privado quanto para o serviço público.

Pedaço da Vila: Houve mudança na aposentadoria especial?

Cintia Toledo: A Reforma da Previdência trouxe diversas modificações no âmbito da aposentadoria especial. Foram instituídas duas regras, uma de transição e outra permanente, além da vedação de conversão de tempo especial em comum laborado após a entrada em vigor da Reforma. Não será mais possível converter o tempo especial em tempo por contribuição para ter acesso aos benefícios, e, tampouco para melhorar o cálculo do valor do benefício. A regra de transição destina-se a quem já estava filiado no RGPS até a entrada em vigor da Reforma, devendo o segurado preencher os seguintes requisitos: 66 pontos para atividade especial de 15 anos de tempo de contribuição; 76 pontos para atividade especial de 20 anos de tempo de contribuição; 86 pontos para atividade especial de 25 anos de tempo de contribuição. Já na regra permanente, destina-se aos que se filiaram no sistema após a entrada em vigor da Reforma, devendo o segurado preencher os seguintes requisitos: 55 anos de idade para atividade especial de 15 anos de tempo de contribuição; 58 anos de idade para atividade especial de 20 anos de tempo de contribuição; 60 anos de idade para atividade especial de 25 anos de tempo de contribuição. A regra do cálculo do salário de benefício, em quaisquer dessas modalidades, segue a sistemática da Reforma, considerando a média aritmética simples de 100% dos salários de contribuição no PBC (desde 07/1994). Então, aplica-se a esta média, o coeficiente de 60% (sessenta por cento) da média do salário de benefício + 2% para cada ano de contribuição que exceder 20 (vinte) anos de contribuição para as atividades que exigem 20 e 25 anos de contribuição e 15 (quinze) anos para as atividades que exigem 15 anos de contribuição.

Pedaço da Vila: Como será a regra de transição?

Dra.Cintia: A reforma possui 5 regras de transição para os trabalhadores da iniciativa privada que já estão no mercado. Todas as modalidades vão vigorar por até 14 anos depois de aprovada a reforma. Pelo texto, o segurado poderá sempre optar pela forma mais vantajosa, são elas: Sistema de pontos que é semelhante à formula atual para pedir a aposentadoria integral, a fórmula 86/96. Neste caso, o trabalhador deverá alcançar uma pontuação que resulta da soma de sua idade mais o tempo de contribuição, que hoje é 86 para as mulheres e 96 para os homens, respeitando um mínimo de 35 anos de contribuição para eles, e 30 anos para elas. A transição prevê um aumento de 1 ponto a cada ano, chegando a 100 para mulheres e 105 para os homens. Tempo de contribuição + idade mínima. Nessa regra, a idade mínima começa em 56 anos para mulheres e 61 para os homens, subindo meio ponto a cada ano, sendo que em 12 anos acaba a transição para as mulheres e em 8 anos para os homens. Para esta forma, é exigido um tempo mínimo de contribuição: 30 anos para mulheres e 35 para homens.

Pedágio de 50%: tempo de contribuição para 

quem está próximo de se aposentar — essa regra vale para quem está a dois anos de cumprir o tempo mínimo de contribuição que vigorava antes da reforma (35 anos para homens e 30 anos para mulheres), neste caso, podendo ainda se aposentar sem a idade mínima, contudo, arcará com um pedágio de 50% do tempo que falta. Por idade: neste caso será necessário o preenchimento de dois requisitos, ou seja, o homem precisará ter 65 anos de idade e 15 anos de contribuição. Já a mulher precisará ter 60 anos de idade e 15 de contribuição. Mas, a partir de janeiro de 2020, a cada ano, a idade mínima de aposentadoria da mulher será acrescida de seis meses, até chegar a 62 anos em 2023. Além disso, também a partir de janeiro de 2020, a cada ano o tempo de contribuição para aposentadoria dos homens será acrescido de seis meses, até chegar a 20 anos em 2029. Transição 5: pedágio de 100% , em que trabalhadores do setor privado e do setor público poderão se aposentar por idade na transição, desde que atinjam a idade mínima de 57 anos para mulheres e de 60 anos para homens, além de pagar um “pedágio” equivalente ao mesmo número de anos que faltará para cumprir o tempo mínimo de contribuição (30 ou 35 anos) considerando a entrada em vigor da PEC. E, finalmente, a Transição específica para servidores — trata-se da transição por meio de uma pontuação que soma o tempo de contribuição mais uma idade mínima, começando em 86 pontos para as mulheres e 96 pontos para os homens. O tempo mínimo de contribuição dos servidores será de 35 anos para os homens e de 30 anos para as mulheres. A idade mínima começa aos 61 anos para os homens e aos 56 para as mulheres.

Pedaço da Vila: Para quem é aposentado, alguma coisa muda no seu benefício?

Dra.Cintia: Não. A reforma altera regras para quem ainda irá se aposentar.

Pedaço da Vila: Qual sua opinião sobre a nova Previdência?

Dra.Cintia:Eu considero que a reforma recém-aprovada visou estancar a sangria, a partir do momento que estabeleceu, por exemplo, a idade mínima para pedir o benefício. Outro aspecto a ser considerado, refere-se ao problema da arrecadação, através de medidas como o aumento da alíquota de contribuição no INSS, afinal, a arrecadação das contribuições previdenciárias não é suficiente para arcar com o custo do pagamento de pensões e aposentadorias. Eu acredito que concomitantemente com a reforma previdenciária, tributária e trabalhista, deveriam ocorrer, sobretudo, ações governamentais simultâneas. Para um sistema previdenciário justo, solidário e equilibrado, deve-se adotar outras medidas como: acabar com as renúncias fiscais do INSS; revogar alguns pontos da reforma trabalhista, que ao estimular contratações precárias  trabalho intermitente e a pejotização, criou um ambiente favorável para o trabalho informal, que além da perda de direitos dos trabalhadores, fez com que o INSS perdesse arrecadação; cobrar as dívidas das grandes empresas, afinal, o passivo das grandes empresas triplicou nos últimos 10 anos.

10/12/2019 – Edição 199 

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