Mei and social security: 5 common doubts of individual micro -entrenuctors

Mei and social security: 5 common doubts of individual micro -entrenuctors


The consultant clarifies the recurring points for those who undertake


Summary

The entrepreneurous micro -centers that pay the DAS are entitled to basic services of social security, but can increase the pension value with complementary GPS contributions by evaluating other options such as private pension.




Retirement planning is still a challenge for many individual micro -enthusiasm. Although the monthly payment of Simples Nacional (DAS) collection document already guarantees access to basic services of social security, some still have doubts about how to integrate the contribution, what is the impact on the pension value and if it is worth investing private retirement.

To help clarify these problems, the regulatory issues of specialized accounting, Juliana Ribas answers the five most common questions about the MEI social security contribution. See below:

Is it better to pay the das or to make the complementary contribution?

Simples Nacional collection document guarantees the basic social security rights by itself, while the complementary contribution can increase the future value of the benefits. In practice, the Mei collects for social safety in a simplified way through the DAS, with a rate reduced by 5% of the minimum wage (R $ 75.90 by 2025), which reaches 12% for autonomous load carriers. It is worth mentioning that the contribution to the basic security coverage of social security, calculated on the minimum wage. The social security guide (GPS) allows Mei to make additional contributions, so that the pension and other benefits are calculated on a higher range of the minimum wage, guaranteeing conditions similar to those of other taxpayers.

But how can the entrepreneur microentre generate and pay this complementary GPS?

The complementary GPS should be generated by the portal or by the MY INSS application. For this, Mei must access the system with the Gov.br account and, in the search bar, search for the “Payment Guide (GPS)” option. Then it is necessary to enter the month or the reference period, indicate the amount of the salary of the desired contribution and select the code and the payment date. After confirmation of data, the system provides printing or download. GPS payment can be made at banks, lottery or directly from the applications and websites of the financial institutions, all these options accepted by the IS.

And how much does the value of the future pension increase?

When Mei pays only the DAS, it contributes to 5% of the minimum wage, which guarantees only the right to retirement by age, always in the amount of a minimum wage. When connecting to complementary GPS, MEI can integrate this 5% of up to 20% of the contribution of the contribution. This means that if you choose to contribute to a higher value (for example, two or three minimum wages), the pension and other IS benefits will be calculated according to the new track.

Can the entrepreneur microentre choose which value?

The rule is to remain within the limits established by the ins. The payment of the DAS guarantees 5% on the minimum salary, but this contribution translates only to the benefits calculated in this amount. To increase retirement and other benefits, the micro -entrepreneum can collect another 15% on a salary of contribution to its choice, which can vary between the current minimum wage and the Inss ceiling. This means that it is not limited to a minimum: it is possible to choose, for example, by contributing to two, three minimum wages or any value inside the allowed interval. The greater the basis chosen, the greater the value of the future benefits.

Is it even worth the complementary penalty or is it better to invest in private pensions or investments?

The choice depends on the lens and how much the entrepreneur is willing to pay with recurrence. In the case of the GPS, the minimum payment is more convenient and guarantees a basic coverage, while the complement increases the benefits directly from the IS. Private pension or other investments allow more solid financial planning, but without the social protection network offered by the ins.

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Source: Terra

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