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See which INSS benefits you are entitled to combine. Do retirement and pensions fall into this list?
Combining benefits granted by the National Institute of Social Security (INSS) is entirely permissible, subject to the limits set by the current social security legislation. Thus, under the current regulations, it is permitted to receive multiple benefits, provided they comply with the established rules.
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From this perspective, combining social security benefits means that a citizen may receive two or more INSS benefits at the same time. Therefore, it is crucial to emphasize that there are legal avenues that allow the simultaneous receipt of different benefits provided by the INSS.
However, a question arises: which INSS benefits can be combined?
Generally, the combination of INSS benefits occurs when the beneficiary is already receiving one benefit and subsequently becomes entitled to apply for another type of benefit.
However, there have been significant changes to the social security rules. Therefore, benefits may only be accumulated when they come from different social security systems. This context mainly applies to retirement, making an insured person eligible for two retirement benefits only when they originate from different systems.
A clear example is the coexistence of a retirement benefit from the Special Social Security System (RPPS) and another from the General Social Security System (RGPS).
Which situations allow benefits to be combined?
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Combining INSS benefits is permitted in the following situations:
- Survivor's pension from a spouse or partner under different social security systems, with a survivor's pension from another system;
- Survivor's pension from a spouse or partner, combined with pensions related to military activities;
- Survivor's pension from a spouse or partner under one social security system together with a retirement benefit;
- Survivor's pension from a spouse or partner under one social security system, with pensions linked to military activities;
- Military pensions and retirement.
In conclusion, it is important to emphasize that retirement benefits may still be received concurrently with other benefits, except for the permanence allowance, granted to civil servants who choose to remain active after becoming eligible for voluntary retirement.
