Muitos segurados se questionam sobre a aposentadoria dos funcionários da área da saúde, ainda mais depois da Reforma da Previdência.

Pelo fato de os profissionais da área da saúde estarem em contato com agentes biológicos e nocivos, garante-se a eles uma aposentadoria em regra mais rápida de se conseguir. 

Isto é, se comparada com as demais aposentadorias chamadas “comuns”.

Ficou curioso para saber como funciona a aposentadoria dos funcionários da saúde? 

Primeiramente, vale citar que o Projeto de Lei 1665/22 assegura a aposentadoria especial ao profissional de saúde que retornar voluntariamente à atividade após a concessão do benefício. O texto em análise na Câmara dos Deputados altera a Lei de Benefícios da Previdência Social (Lei 8.213/91).

Atualmente, a aposentadoria especial poderá ser concedida ao segurado da Previdência Social que trabalhou sujeito a condições prejudiciais à saúde ou à integridade física. É o caso da exposição a agentes nocivos químicos, físicos, biológicos ou à associação de agentes prejudiciais à saúde ou à integridade física.

Autor da proposta, o deputado Sargento Alexandre (Pode-SP) explicou que hoje quem trabalha em condições insalubres ou perigosas precisa escolher entre permanecer nas atividades de risco ou receber a aposentadoria especial.

“É o caso do profissional de saúde que, por estar sujeito a agentes biológicos nocivos, tem direito à aposentadoria especial desde que comprove a exposição permanente durante pelo menos 25 anos”, continuou Sargento Alexandre.

Ao defender a mudança na legislação, o deputado afirmou que faltam médicos e enfermeiros, e a medida contribuiria para solucionar o problema. “O Brasil vive atualmente uma crise sanitária sem precedentes, pois a Covid-19 desestabilizou o Estado e exigiu diversas medidas emergenciais para evitar o caos”, observou.

Quem é classificado como profissional da saúde?

Provavelmente, você deve saber que não somente o médico é considerado um profissional da saúde, mas também existem outros profissionais desta área, tais como:

Inclusive, ainda podem existir outras profissões consideradas insalubres.

Por isso, o maior aliado para você conseguir a sua aposentadoria especial será o Perfil Profissiográfico Previdenciário (PPP) e o Laudo Técnico das Condições Ambientais de Trabalho (LTCAT).

Calma, pois já vou explicar melhor sobre esses documentos.

Sobretudo acerca do formulário PPP.

Se engana quem pensa que a aposentadoria especial será sempre a melhor para os profissionais da saúde, principalmente depois da Reforma da Previdência, em vigor desde o dia 13/11/2019.

A nova norma previdenciária alterou os requisitos e o cálculo de várias aposentadorias, inclusive os da aposentadoria especial.

Então, dependendo do seu caso, compensará converter o tempo de atividade especial em tempo de contribuição comum e se aposentar por tempo de contribuição.

Agora, vou falar sobre as 3 aposentadorias mais vantajosas para os profissionais da saúde.

Aposentadoria Especial

A aposentadoria especial é o benefício previdenciário destinado aos segurados expostos a agentes insalubres e perigosos.

Como essa exposição se trata da lida com atividades especiais, o segurado exposto a agentes insalubres e perigosos poderá se aposentar mais rápido que os demais segurados.

Aposentadoria Especial (antes) da Reforma

Antes da Reforma, você somente precisava ter completado 25 anos de atividade especial para se aposentar pela aposentadoria especial.

Isto é, não era necessário uma idade ou pontuação mínima.

Se você tivesse 25 anos de atividade como profissional da área da saúde, já conseguiria a sua aposentadoria especial.

Quanto ao cálculo, o valor da aposentadoria era feito da seguinte forma:

  • A média dos seus 80% maiores salários de contribuição, desde julho de 1994, era calculada.
  • Desta média, você ganhava 100% do valor.

Atenção: você ainda conseguirá se aposentar nestes moldes caso tenha completado os requisitos da aposentadoria especial antes da Reforma, até o dia 12/11/2019.

Ou seja, tudo graças ao direito adquirido.

Aposentadoria Especial (depois) da Reforma

Se você já trabalhava com atividades especiais antes da Reforma, mas não reuniu os requisitos até a vigência da nova norma, entrará para a regra de transição da aposentadoria especial.

Neste caso, essa regra de transição define os seguintes requisitos:

  • 86 pontos;
  • 25 anos de atividade especial.

A partir da Reforma, portanto, houve a instituição de uma pontuação mínima.

Essa pontuação é composta pela somatória da sua: 

  • idade + tempo de atividade especial + tempo de contribuição comum.

Saiba, no entanto, que na regra definitiva da aposentadoria especial nem o tempo de contribuição “comum” ajudará você a adiantar sua aposentadoria especial.

Ou seja, você terá que esperar até seus 60 anos de idade.

Quanto ao valor do cálculo, ambas as regras têm uma nova fórmula para chegar ao valor da sua aposentadoria:

  • Será feita a média de todos os seus salários de contribuição desde julho de 1994;
  • Desta média, você ganhará 60% + 2% ao ano que ultrapassar:
    • 20 anos de recolhimento — para os homens;
    • 15 anos de recolhimento — para as mulheres.

Então, pense em um homem com:

  • 60 anos — de idade;
  • 25 anos — de atividade especial como médico veterinário;
  • Média de salários de contribuição de — R$ 4.000,00; 
  • Aposentadoria de — 60% + 10% (2% x 5 anos que ultrapassam 20 anos de recolhimento);
  • 60% + 10% = 70%;
  • 70% de R$ 4.000 = R$ 2.800,00.

Você percebeu que o cálculo está bem pior?

Primeiro, porque todos os seus salários de contribuição serão considerados.

Segundo, porque haverá uma nova alíquota aplicada em cima da média. 

Melhor dizendo, essa alíquota poderá reduzir bruscamente o valor da sua aposentadoria.

Aposentadoria por Tempo de Contribuição

A aposentadoria por tempo de contribuição era um benefício bastante buscado pelos segurados antes da Reforma da Previdência.

Contudo, com a nova norma previdenciária, essa aposentadoria foi excluída e transformada em alguma das regras de transição.

Confira.

Aposentadoria por Tempo de Contribuição (antes) da Reforma

Antes da Reforma, os requisitos da aposentadoria por tempo de contribuição eram:

Homem

  • 35 anos — de tempo de contribuição;
  • 180 meses (15 anos) — de carência.

Mulher

  • 30 anos — de tempo de contribuição;
  • 180 meses (15 anos) — de carência.

Essa era outra aposentadoria que não exigia uma idade ou pontuação mínima.

Quanto ao cálculo, o valor da aposentadoria era calculado da seguinte forma:

  • A média dos seus 80% maiores salários de contribuição, desde julho de 1994, era calculada;
  • Desta média, você multiplicava pelo seu fator previdenciário
  • O resultado era o valor da sua aposentadoria.

Atenção: você ainda conseguirá se aposentar nestes moldes caso tenha completado os requisitos antes da Reforma, até o dia 12/11/2019.

Aposentadoria por Tempo de Contribuição (depois) da Reforma

A aposentadoria por tempo de contribuição foi extinta após a Reforma.

Mas, felizmente, a Reforma da Previdência deixou 4 regras de transição para não afetar quem estava perto de se aposentar na modalidade por tempo de contribuição.

Aposentadoria por Pontos

A aposentadoria por pontos é uma modalidade da aposentadoria por tempo de contribuição, que foi criada em 2015.

Antigamente, ela era mais benéfica para os segurados, em razão do cálculo do benefício.

Vou explicar tudinho agora.

Aposentadoria por Pontos (antes) da Reforma

Antes da Reforma, a aposentadoria por pontos era o sonho de todo segurado.

Essa aposentadoria exigia o cumprimento dos seguintes requisitos:

Homem

  • 96 pontos;
  • 35 anos — de tempo de contribuição.

Mulher

  • 86 pontos;
  • 30 anos — de tempo de contribuição.

Lembre-se: a pontuação é a somatória da sua idade + tempo de contribuição.

Quanto ao cálculo, o valor da aposentadoria era feito da seguinte forma:

  • A média de seus 80% maiores salários de contribuição, desde julho de 1994, era calculada;
  • Desta média, você ganhava 100% do valor.

Atenção: você ainda conseguirá se aposentar nestes moldes caso tenha completado os requisitos antes da Reforma, até o dia 12/11/2019.

Aposentadoria por Pontos (depois) da Reforma

Como falei antes, a aposentadoria por pontos virou uma regra de transição da aposentadoria por tempo de contribuição.

Esta regra de transição tem como requisitos:

Homem

  • 101 pontos — em 2024;
  • 35 anos — de tempo de contribuição.

Mulher

  • 91 pontos — em 2024;
  • 30 anos — de tempo de contribuição.

Importante: a pontuação vai subir 1 ponto, a cada ano, até atingir:

  • 105 pontos — para os homens;
  • 100 pontos — para as mulheres.

Quanto ao cálculo, o valor da aposentadoria será feito da seguinte forma:

  • Será feita a média de todos os seus salários de contribuição desde julho de 1994;
  • Da média, você ganhará 60% + 2% ao ano que ultrapassar:
    • 20 anos de recolhimento — para os homens;
    • 15 anos de recolhimento — para as mulheres.

Aqui, a mudança foi brutal no cálculo do benefício, assim como na regra de transição da aposentadoria especial.

Além disso, passou a existir o aumento da pontuação anualmente, o que poderá fazer com que o benefício demore um pouco mais. 

Como comprovar suas atividades?

No ponto passado, mencionei duas aposentadorias que requerem tempo de contribuição comum, e não tempo de atividade especial.

Caso você não saiba, até a Reforma, era possível converter a atividade especial em tempo de contribuição comum, com uma contagem diferenciada.

Essa contagem diferenciada fazia com que você ganhasse mais tempo de contribuição e conseguisse uma aposentadoria por tempo de contribuição ou por pontos.

Atenção: a conversão ainda será possível para as atividades especiais realizadas até antes de a Reforma passar a valer, ou seja, até o dia 12/11/2019.

Para você compreender, a conversão funcionava assim:

  • Você deveria pegar seu tempo de atividade especial em anos, meses e dias;
  • Deste valor, você multiplicava por:
    • 1,4 (homens);
    • 1,2 (mulheres).
  • O resultado seria o valor da conversão do seu tempo de atividade especial em tempo de contribuição comum.

Lembre-se: a conversão somente será possível para as atividades especiais realizadas antes da Reforma, até o dia 12/11/2019.

Isso porque, a Reforma acabou com a conversão mediante contagem diferenciada.

Quais são as chances de concessão da aposentadoria

Se você é funcionário da saúde, existirão duas maneiras de comprovar atividades insalubres.

Enquadramento por categoria profissional

Algumas atividades, até 28/04/1995, poderão ser enquadradas como especiais com a mera apresentação da Carteira de Trabalho para comprovação.

Ou seja, sem a necessidade da apresentação de PPP ou outros documentos adicionais.

Abaixo, veja alguns profissionais que poderão se beneficiar disso:

  • Médico;
  • Enfermeiro e auxiliar de enfermagem;
  • Dentista;
  • Médico veterinário.

Depois de 28/04/1995, contudo, passou a existir a necessidade de comprovação da exposição a agentes biológicos.

Normalmente, a comprovação deverá ser feita com a apresentação do PPP ou de outros formulários da época, tais como: 

  • DIRBEN 8030;
  • SB-40;
  • DISES BE 5235;
  • DSS 8030.

Apresentação do PPP

O Perfil Profissiográfico Previdenciário (PPP) é o documento mais comum para a comprovação da atividade especial. Com ele, você conseguirá comprovar que havia exposição a agentes biológicos ou outros agentes no seu ambiente de trabalho.

O PPP, com certeza, é o documento mais importante, porém não é o único. Também existe o Laudo Técnico das Condições Ambientais de Trabalho, o famoso LTCA, que relaciona de maneira completa a sua exposição a agentes biológicos.

Alerta: é comum hospitais ou empresas deixarem de existir pelos mais diversos motivos, como pela falência.

Quando isso acontecer, você provavelmente terá dificuldades para conseguir o documento. Ou, então, poderá ocorrer de você até ter o documento em mãos, e ele não informar que você trabalhou em condições insalubres.

Se esse for o seu caso, você também poderá comprovar o tempo especial usando os seguintes documentos:

  • Laudo técnico emprestado;
  • Prova testemunhal;
  • Solicitação de perícia na empresa ou hospital similar;
  • Outros documentos comprobatórios;

Aliás, esse assunto é tão importante, que como citado no início desse artigo, já existem propostas de lei que debatem a matéria e com certeza no decorrer dos próximos anos teremos mais atualizações! Por isso, no caso de dúvidas, é sempre importante buscar profissionais na área.

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