INSS starts paying 13th to those who earn more than the minimum – 06/01/2023 – Market

The INSS (National Social Security Institute) starts paying, this Thursday (June 1st), the first installment of the 13th salary to retirees, pensioners and other beneficiaries who receive more than a minimum wage, of R$ 1,320 this year.

The release of values ​​will be until June 7, according to the end of the benefit, without considering the check digit. The Christmas bonus installments were advanced in 2023, as has been the case since 2020.

In June, the agency releases the second installment. Payment starts on June 26th and runs until July 7th. First receive the insured persons entitled to a minimum wage, depending on the end of the benefit, and then, from the following month, the amount is released to those with the highest benefit.

Payment of the 13th is made together with the monthly benefit.

SEE THE CALENDAR FOR THE 13TH INSS IN MAY

• For those who earn a minimum wage of R$ 1,320

end of benefit	deposit date
1	May/25
two	May/26
3	May/29
4	May/30
5	May/31
6	01/jun
7	02/jun
8	05/jun
9	06/jun
10	07/jun

• For those earning above the minimum wage

end of benefit	deposit date
1 and 6	01/jun
2 and 7	02/jun
3 and 8	05/jun
4 and 9	06/jun
5 and 0	07/jun

SEE THE CALENDAR FOR THE 13th INSS IN JUNE

• For those who earn a minimum wage of R$ 1,320

end of benefit	deposit date
1	26/jun
two	jun/27
3	28/jun
4	29/jun
5	30/jun
6	03/jul
7	04/jul
8	July 05
9	06/jul
10	July 07

• For those earning above the minimum wage

end of benefit	deposit date
1 and 6	03/jul
2 and 7	04/jul
3 and 8	July 05
4 and 9	06/jul
5 and 0	July 07

What to do with the 13th of the INSS?

Advance payment is a claim of INSS retirees, however, many complain that they are left without the allowance at the end of the year, when there is no longer any extra installment to be received.

Financial educator Cíntia Senna, from Dsop, says that retirees should carefully assess what they will do with the 13th in order not to spend it all at once and run out of money in the future. “In theory, the retiree would only be receiving the money at the end of the year, it’s as if he didn’t exist. He should manage this resource”, she says.

The educator’s tip is to save at least part of it —if not the entire amount— and make some investment if possible. “Do I need to spend that amount now? Can I reserve part of it for the end of the year? It’s a path, a possibility”, she says.

Paying off debts is one of the possibilities, but Cíntia also points out that you need to think a lot before paying off what you owe, or even paying off a debt in installments, and continuing to default afterwards. “And I need to evaluate. Am I going to settle a doubt and run out of reserves? Is this money going to solve the problem or is it just going to give me an agreement that leaves the default, but I still have debt?”, he says.

According to Serasa, a survey by the agency carried out between May 18 and 23 with 1,754 INSS retirees and pensioners shows that 37% of them intend to use the anticipation of the 13th salary to pay off debts.

In April, Serasa’s Delinquency and Negotiations Map pointed to an increase in the number of debtors. In all, 71.4 million Brazilians were in default, of which 17.7% were consumers over 60 years old.

To try to contain the advance of debtors, Serasa is negotiating more than 15 million retiree debts on the Serasa Limpa Nome platform. There are 500 partner companies from various segments such as banks, stores, telephony, water, electricity and gas, among others (click here to see how to renegotiate your debt).

HOW MUCH does the retiree receive from 13th

The first installment of the 13th is paid without any discount and corresponds to exactly half of the monthly benefit of those who were already retired in January. For those who still did not receive INSS benefits in January, the amounts released from the 13th are proportional, according to the number of months in which the insured person began to receive retirement, pension or aid.

The second installment has a IR discount, in the case of those who are obliged to pay. This year, the Income Tax table was updated by the government, with an increase in the exemption range and a standard discount of R$ 528 on income, which will make taxpayers pay less tax. In addition, 13.7 million should be exempt from IR with the increase in the initial range.