Conditions and Illnesses that Guarantee INSS Retirement Benefits. Disability retirement is one of the modalities offered by the National Social Security Institute (INSS) and is intended for individuals who are unable to work due to illness or disability.

However, to obtain this benefit, it is essential that the applicant meets specific criteria, including maintaining the status of insured, being totally and permanently disabled, and meeting the 12-month waiting period.

INSS Retirement Modalities

The INSS offers 12 types of pensions for those who contribute to Social Security. Disability retirement requires the applicant to meet criteria such as:

1. Maintain insured status: It means that the person must be working or within the grace period, which is an additional period of up to 36 months in which the worker is entitled to INSS benefits even without contributing.
2. Have total and permanent disability: It refers to the worker's total inability to perform their duties, with no prospect of recovery or relocation.
3. Fulfill the 12-month grace period: The applicant must have contributed to Social Security for a minimum period of 12 months. However, in cases of serious, irreversible or disabling illnesses, the grace period may be waived.

Illnesses that Guarantee Disability Retirement

1. Malignant Neoplasm (Cancer)

Cancer, characterized by the uncontrolled growth of cells, is one of the diseases that guarantee the right to disability retirement. Data from the Virtual Health Library (VHL) indicate that non-melanoma skin, female breast, prostate, colon and rectum, lung and stomach cancers are the most common in Brazil.

2. Blindness

Total or almost total loss of vision, caused by eye diseases, eye injuries or congenital conditions, is also a condition that makes it possible to request disability retirement. Around 3.5% of the Brazilian population has visual impairment, and IBGE data from 2010 shows that 528,624 people are blind.

3. Parkinson's

Parkinson's disease, a degenerative condition of the central nervous system, is characterized by symptoms such as tremors, muscle stiffness and balance difficulties. The World Health Organization (WHO) estimates that approximately 1% of the world population over the age of 65 has the disease, affecting around 200 thousand people in Brazil.

Other Conditions that Guarantee Disability Retirement

4. Multiple Sclerosis

Multiple sclerosis is an autoimmune disease that affects the central nervous system, causing symptoms such as fatigue, difficulty with coordination and vision problems. Individuals with this condition may request disability retirement.

5. Alzheimer's disease

Alzheimer's Disease, a neurodegenerative condition that affects memory and thinking, is also a valid reason for granting disability retirement. Progressive cognitive impairment makes it impossible to continue many work activities.

6. HIV/AIDS

Individuals diagnosed with HIV/AIDS, at an advanced stage of the disease, may be eligible for disability retirement due to the complexity and impact on health.

7. Schizophrenia

Schizophrenia, a serious mental disorder, can be considered disabling, especially when it significantly compromises the ability to function socially and professionally.

8. Cerebral Vascular Accident (CVA)

People who have suffered a cerebrovascular accident (CVA) and face consequences that make it impossible to return to work can request disability retirement.

9. Alzheimer's disease

In addition to other neurological conditions, such as amyotrophic lateral sclerosis (ALS), Alzheimer's disease is a neurodegenerative disease that affects memory and cognitive functions, justifying the granting of the benefit.

10. Chronic Kidney Disease (CKD)

Individuals in an advanced stage of Chronic Kidney Disease, who depend on dialysis or are awaiting a kidney transplant, may be considered eligible for disability retirement.

11. Fibromyalgia

Fibromyalgia, a condition characterized by widespread musculoskeletal pain and fatigue, can be recognized as disabling, especially when symptoms significantly affect quality of life.

12. Ankylosing spondylitis

This is a chronic rheumatic disease that affects the joints of the spine, which can cause stiffness and intense pain, making it difficult to carry out daily activities and work.

13. Severe Neurological Disorders

Severe neurological disorders, such as amyotrophic lateral sclerosis (ALS) and progressive neuromuscular disorders, may justify granting disability retirement.

Certainly, there are several conditions and illnesses that can guarantee the right to disability retirement in Brazil. Below, we highlight some more conditions that may qualify an individual for this benefit:

Request Process

Regardless of the specific condition, the process for requesting disability retirement involves medical documentation proving total and permanent disability. Additionally, it is recommended to seek legal advice to ensure that all legal procedures are followed correctly.

Final considerations

The list of conditions that guarantee disability retirement is broad and includes several serious and disabling illnesses. It is crucial that affected individuals seek medical and legal guidance to understand their rights, gather the necessary documentation and properly follow the INSS application process.

Disability retirement aims to provide financial support to those facing significant limitations due to health conditions, allowing for adequate care and a better quality of life.

Read too: The End of FGTS Withdrawals See Who Can Withdraw