BPC Without Mysteries: Check Out the 6 Simple Steps to Submit Your Application

The Federal Constitution guarantees the Continuous Benefit Payment (BPC), providing a monthly minimum wage to individuals with disabilities or elderly people without resources for their own support or assistance from their families.

To qualify for the BPC, you must meet the requirements below:

• Have a disability or be aged 65 or over;
• Have a per capita family income below one quarter of the current minimum wage;
• Be registered with the Federal Government’s Single Registry for Social Programs (CadÚnico);
• Have a Social Identification Number (NIS).

If you meet the criteria above and wish to receive the BPC, check out our complete content and learn how to apply and which documents are required.

Instructions for applying for the BPC

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Applying for the BPC can be a simple and bureaucracy-free process. The entire procedure can be completed online, making it more convenient for users. See the step-by-step guide:

1. First, access the Meu INSS website or app and register or log in;
2. On the home screen, select “Appointments/Requests”, then “New request”;
3. Type “BPC” in the search field and choose “Assistance Benefit for Persons with Disabilities” or “Assistance Benefit for Older Persons”, as applicable to your case;
4. Fill in the requested information and attach the necessary documents;
5. Check the information and finalize the application;
6. Track the status of your application through Meu INSS or by calling 135.

Documents required for the application

Before applying for BPC, it is crucial to organize all the documents required for the process. With complete documentation, it is easier to get the benefit approved. Check:

• Official identification document with a photo and the applicant’s CPF;
• Family members’ documents;
• Current proof of residence;
• Medical report proving the disability, if applicable;
• Family income statement, in the absence of formal proof;
• Other documents demonstrating a situation of social vulnerability.

Remember that the documents must be clear, without alterations or cuts. They must also be sent in PDF, PNG, or JPG format, each with a maximum size of 5 MB.

BPC beneficiaries may access payroll-deductible loans

The BPC ensures a monthly minimum wage for elderly people and people with disabilities who are unable to provide for their own support. Additionally, besides the monthly benefit, the beneficiary may have access to facilitated credit through a payroll-deducted loan.

The BPC loan is a type of personal credit guaranteed by the social assistance benefit. This means that the bank is guaranteed to receive the installment payments, as they are automatically deducted from the monthly benefit amount.

Therefore, due to this guarantee, the BPC loan offers some advantages over other forms of credit, such as:

• Lower interest rates;
• Longer repayment terms;
• Easier approval;
• No consultation with SPC or Serasa.

According to legislation, BPC beneficiaries may have a payroll-deductible margin of 35%, with 30% for the loan and 5% for the payroll-deducted credit card. In addition, it is possible to divide the amount into up to 84 installments with payroll deductions.

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To be eligible, the beneficiary must have been receiving the benefit for more than 90 days and must not have debts or outstanding financial issues associated with their CPF. In addition, the request must be made at a bank that offers this service to this specific group.