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The Organic Law of Social Assistance (LOAS) governs the Continuous Cash Benefit (BPC) of the National Institute of Social Security (INSS). Let's see who is entitled!
LOAS regulates the INSS BPC, since it is a welfare benefit, not a retirement pension. This social security benefit is intended for people over 65 and people with disabilities of any age who have a low income and do not contribute to the INSS.
Like any government income transfer program, the BPC has its own rules. In short, if you prove your eligibility for the BPC, you can receive a monthly minimum wage from the INSS.
What are the rules for receiving the BPC?
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To obtain this benefit, your per capita income must not exceed ¼ of the current minimum wage. Based on the current minimum wage, this limit is R$ 330. To demonstrate this situation of social vulnerability, you and your family must be registered in the Single Registry (CadÚnico).
For people with disabilities, it is crucial to provide documents proving this condition. It may be a physical, mental, sensory, or intellectual disability; in this case, the condition must be disabling for at least two years.
Therefore, an INSS medical examination must validate the condition. You can request both the BPC and the aforementioned medical examination on the INSS website or through the Meu INSS app, available for Android and iOS.
Key points to highlight about the INSS assistance benefit
One positive aspect is that BPC beneficiaries are included in the list of beneficiaries of the Social Electricity Tariff (TSEE). Thus, they may receive a discount of up to 65% on their electricity bill.
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Some points are not necessarily negative, but they should be mentioned. For example, the BPC is not a pension; therefore, dependents do not receive a survivor’s pension if the beneficiary dies.
In addition, the BPC does not include payment of the INSS thirteenth salary, since, like the survivor’s pension, this is an exclusive right for contributors.
Finally, it is essential to update CadÚnico every two years. This way, you remain compliant with the eligibility rules for the BPC benefit.
