A By disability retirement It can be the only alternative to guarantee financial subsistence when a person is unable to work due to illness or injury.
This is a benefit granted by the INSS to workers who make social security contributions. In addition, you must meet other specific criteria to be able to receive it.
In this article, we will discuss what this type of retirement is, who is entitled to this benefit, the necessary requirements, how to request it and which illnesses can lead to this retirement.
What is Disability Retirement
A By disability retirement consists of a benefit offered by the National Social Security Institute (INSS) to insured people who, due to illness or accident, are totally and permanently incapacitated to carry out any paid activity.
This retirement aims to provide financial support to policyholders who can no longer work due to their health condition proven through defined means.
It is important to mention that this type of retirement is permanent, so that in cases of illness and accidents with temporary disability, the worker is entitled to Sickness Benefit.
Who is entitled to Disability Retirement
To be entitled to By disability retirement, you must be insured by Social Security and meet certain requirements. The main beneficiaries of this type of retirement are:
- INSS policyholders: those who regularly contribute to Social Security, including formal workers, self-employed people, individual contributors, among others;
- Insured persons retired due to disability: if an insured person is already retired due to disability and their health condition worsens, they may request a review of the benefit.
Requirements
To be eligible for By disability retirement, the insured must meet some requirements, the main ones being:
- Total and permanent disability: the disability must be total, that is, the insured cannot carry out any paid activity. Furthermore, the health condition must be considered permanent, that is, not subject to recovery;
- Waiting period: you must have contributed to the INSS for a minimum period of 12 months, unless the incapacity is the result of an accident at work or occupational illness, which does not require a waiting period;
- Expertise: before obtaining the By disability retirement, the worker must already be away through the Sickness Allowance, having already passed INSS expertise.
How to apply for disability retirement
The request from By disability retirement It begins through medical expertise, where a specialized professional identifies that the accident or illness disables the person from working permanently.
If the result of the examination is favorable to retirement, all information related to the benefit can be checked through the application My INSS or by calling 135.
Now, if the result of the medical examination is not favorable to retirement, you can try to have a new examination after 30 days, where the result may change according to the assessment of the responsible doctor.
Illnesses that trigger disability retirement
There are several diseases and health conditions that can lead to the granting of By disability retirement, as long as the requirements established by Social Security are met.
Some examples of conditions that often result in this type of retirement include:
- Serious chronic illnesses: such as cancer, HIV/AIDS, heart disease, multiple sclerosis and other serious illnesses that disable the insured person;
- Injuries and accidents: work accidents that cause permanent disability, such as amputations, paraplegia, quadriplegia, among others;
- Mental disorders: serious psychiatric disorders, such as schizophrenia, bipolar disorder, severe depression, which prevent the insured from working.
- Degenerative diseases: Such as Parkinson's disease, Alzheimer's and amyotrophic lateral sclerosis (ALS);
- Rheumatological diseases: rheumatoid arthritis, systemic lupus erythematosus and other autoimmune diseases that cause disability.
It is important to highlight that each case is evaluated individually, and the granting of By disability retirement It depends on the severity of the health condition and your inability to work.
It is essential to have the support of a specialized doctor and a social security lawyer for guidance and assistance during the benefit request process, as social security legislation can be complex and subject to change.
