How to Start Contributing to INSS Again: Step by Step 2026
If you stopped contributing to INSS (Brazil’s National Social Security Institute), you can resume payments as an individual or voluntary contributor and keep your insured status.

If you stopped contributing to INSS (Brazil’s National Social Security Institute), you can resume payments as an individual or voluntary contributor and keep your insured status.

Brazil has about 25.4 million self-employed workers, according to the IBGE’s (Brazil’s national statistics bureau) PNAD Contínua household survey (4th quarter of 2024). Many of these workers do not know they can access up to seven social security benefits, from retirement to maternity pay.

Informal Work and INSS 2026: How to Regularize Contributions. About 38.9 million Brazilians work in the informal economy, according to data from IBGE’s PNAD Contínua (2024). Many believe they have lost their right to retirement. That is not true.

Law 8.213/91 divides INSS (Brazil’s National Social Security Institute) insureds into mandatory and optional categories, with different contribution rules and different access to benefits for each.

The MEI (Brazil’s individual microentrepreneur regime) pays R$ 81,05 per month to INSS (Brazil’s National Social Security Institute) and has access to retirement by age, sickness benefit, and survivor’s pension, all capped at one minimum wage. For larger benefits, you need to pay a supplemental contribution.

Social security contributions by individual contributors and voluntary insured persons are governed by Law No. 8.212/1991 and Decree No. 3.048/1999. The rates and calculation bases were changed by Constitutional Amendment (EC) 103/2019 and by Complementary Law No. 123/2006 (for the MEI, Brazil’s individual microentrepreneur category). A…
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