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Check here whether beneficiaries of the Continuous Cash Benefit (BPC) can contribute to the INSS without risking losing the benefit!
There are many people who are beneficiaries of the Continuous Cash Benefit (BPC) and wonder whether they are allowed to contribute to the INSS without this resulting in the loss of the benefit. The answer is yes; even while receiving the BPC, you have the option to contribute to Social Security to secure future benefits.
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In summary, the BPC is intended for individuals in a situation of social vulnerability, including elderly people aged 65 and over and people with some type of disability, regardless of age. To be eligible, it is necessary to prove the existence of limitations that prevent full social integration.
It is worth noting that prior contributions to the INSS are not required to apply for this assistance benefit. The amount of the BPC is equal to the minimum wage for the current period, that is, in 2023 the amount corresponds to R$ 1,320.00.
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INSS contributions for BPC beneficiaries: the concept of an optional insured person
For BPC beneficiaries who want to contribute to INSS, they must qualify as voluntary insured persons. This category refers to those who do not engage in paid work but choose to contribute to social security, aiming to guarantee future benefits, such as retirement.
It is crucial to remember that choosing to be a voluntary insured person involves making specific monthly contribution payments, the amount of which varies according to the income bracket. Thus, even while receiving BPC, it is possible to become a contributor to Social Security.
Can BPC beneficiaries have a job?
A recurring question is whether BPC beneficiaries can work without risking the loss of the benefit. The reality is that if any family member gets a job or the benefit holder starts working, the benefit may be suspended. In other words, this may occur if the per capita income exceeds ¼ of the minimum wage.
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This rule is justified by the idea that, in this case, the individual is capable of supporting themselves. Therefore, to estimate the per capita income, it is necessary to divide the total family income by the number of people in the family.
For example, in 2023, each family member must receive a maximum of R$ 330.00 per month, that is, the family's total income divided by the number of members must be equal to or less than this amount.
Furthermore, if a person with a disability gets a job, they will lose the BPC and start receiving the inclusion allowance. This is an incentive for the inclusion of these people in the labor market.
