MEI only receives INSS retirement with the DAS paid and the history checked
According to O Antagonista, opening the CNPJ does not guarantee the benefit, which depends on contributions paid, age and the date of first joining the INSS.
BY THE X-TRADER NEWS NEWSROOM · REPORTING FROM O ANTAGONISTA · 2 MIN
Being an individual microentrepreneur does not, in itself, guarantee the right to retirement through the INSS. According to O Antagonista, the worker needs to comply with social security requirements, and keeping the CNPJ registered is not enough. The distinction matters for those who opened the company imagining that they were already protected by the system.
The central point, according to the publication, is payment. The contribution is usually paid in the DAS, the monthly payment form for Simples Nacional, and it is this payment that generates social security credits. Neither the existence of business registration nor the delivery of the annual billing statement replaces the paid guide.
The values quoted help to estimate the cost. As a general rule, the MEI collects 5% of the minimum wage from the INSS, which, with the minimum wage of R$1,621 expected for 2026, amounts to R$81.05 per month. MEI Caminhoneiro has its own tax rate of 12%. The DAS may include ICMS and ISS, depending on the activity, but these taxes do not increase the social security portion nor the base used to calculate the benefit.
In addition to payment, the analysis considers age, contribution history and periods worked before formalization, which can also influence the right. In retirement due to age or scheduled retirement, the date of first joining the INSS is included in the account. The report recalls that Constitutional Amendment 103/2019, of the Social Security reform, created different rules for those who already participated in the system, and indicates that, in certain cases, it is necessary to supplement contributions.
In practice, the challenge is one of planning. Formalization offers protection, but only if the payment routine is maintained and the history is checked in advance, and not just when requesting the benefit.
What changes for the investor
The text deals with an individual rule, with no direct effect on quotes, interest or exchange rates. Still, the topic touches on two fronts that are of interest to those who follow the economy: the formalization of small businesses and the health of social security accounts. The more regular taxpayers, the greater the base that supports the system, which is in line with the fiscal responsibility agenda. If many MEIs pay the DAS without ensuring the right to retirement, the pressure for new public solutions tends to grow, with a possible impact on the budget debate. These are possible effects, not predictions, and the published facts do not provide data on the impact on companies or assets.
Automatically translated from Portuguese.
