Receive Your Maternity Salary from INSS Learn How to Request and Guarantee This Benefit
O Maternity Pay It is one of the most important rights for those insured by the National Institute of Social Security (INSS) who become mothers or guardians of a child.
Receiving this benefit is essential support during the postpartum or adoption period, allowing the mother or guardian to dedicate themselves to caring for the new family member.
However, understanding how to apply for and secure this benefit can be a challenge.
Here you will find all the information you need to receive your maternity pay from the INSS with ease.
What is Maternity Pay?
O Maternity Pay It is a benefit offered by the INSS to all insured women (and men insured in special cases) who are absent from their professional activities due to the birth of a child, adoption or legal guardianship for adoption purposes.
This financial aid aims to support the guardian during a specific period of absence to care for the newborn or adopted child.
Who is entitled to maternity pay?
To receive your maternity pay from the INSS, it is necessary to meet some specific requirements. The following categories of insured are eligible:
- Formal employees: who have a signed employment contract.
- Domestic workers: registered.
- Casual workers: who provide services to several companies, but are hired by unions or management bodies.
- Special insured: as farmers and fisherwomen.
- Individual and optional contributors: as long as they have met the minimum contribution requirement.
Benefit Duration Period
The duration of the Maternity Pay varies depending on the situation. For cases of childbirth, the benefit is paid by 120 days.
In the case of adoption or legal guardianship, the duration can also reach 120 days, while for spontaneous abortion or abortion provided for by law, the benefit is granted for 14 days.
It is important to understand these details, as the timing of receipt can influence financial and family planning during this period.
How to Apply for Maternity Pay from INSS
To receive your maternity pay from the INSS, it is necessary to follow some steps that guarantee the approval of the benefit. See the step by step:
1. Required Documentation
Prepare all the documentation required by the INSS to avoid problems when making the request. The basic documents include:
- Photo ID and CPF;
- Child's birth certificate (or adoption or custody certificate, if applicable);
- Work permit (for employees with CLT employment contract);
- Proof of contribution to INSS, especially for individual and optional taxpayers.
2. Make the Request on the Meu INSS Portal or App
Currently, the INSS allows you to request benefits online. Access the My INSS, via the website or app, and log in with your insured details.
In the main menu, select the “Maternity Pay” option and follow the instructions to submit the documentation. Be sure to review the data to avoid errors and delays.
3. Follow the Approval Process
After the request, it is possible to track the progress of the order by My INSS portal or by phone 135.
INSS will analyze the documentation sent and may request additional information, if necessary.
On average, the analysis period varies, but it is recommended to monitor closely to ensure that the benefit is granted within the expected period.
Special Conditions and Particular Cases
Some situations require special attention when requesting the Maternity Pay. See the details:
Individual and Optional Contributors
For individual (self-employed) and optional taxpayers, the INSS requires a minimum contribution period of 10 months for the benefit to be granted.
This requirement does not apply to employed insured women (with a signed employment contract), since they have the right guaranteed from the beginning of the employment relationship.
Adoption or Legal Custody
For adoptive mothers or those who have obtained legal custody of a child, the process is similar to that of someone who has given birth.
Simply present the adoption or custody certificate, and the insured will be entitled to the benefit. 120 days.
This support is crucial to ensure the child's well-being and facilitate the adaptation process.
Cases of Premature Birth
In cases of premature birth, it is essential to inform the INSS so that the benefit can be adjusted.
Maternity Pay begins to apply from the moment of birth, regardless of gestational age.
In these cases, it is common for the period of separation to be more necessary, ensuring support for the mother and baby.
Maternity Pay Calculation
The calculation of the value of Maternity Pay varies according to the category of the insured.
For employees with a formal employment contract, the amount is the same as the monthly salary. For individual and optional contributors, the benefit amount is calculated based on the average of the last 12 contribution salaries.
Employees with CLT Link
For employed insured women, the value of Maternity Pay will be equivalent to the last salary registered in the employment record.
This calculation makes the process easier, as it maintains the income standard during the period of absence.
Individual and Optional Contributors
In the case of individual and optional contributors, the INSS takes the average of the last 12 contribution salaries to define the benefit amount.
Therefore, it is essential that contributions are regular and made in accordance with the desired income range.
Special Insured
For special insured persons, such as farmers, the value of Maternity Salary corresponds to the current minimum wage.
This benefit was designed to ensure that all mothers insured by INSS have the necessary financial support.
Tips to Avoid Problems When Granting Benefits
To ensure that you receive your maternity salary from INSS without delays or complications, follow some guidelines:
- Keep your contributions regular: In the case of individual and optional contributors, contributions must be up to date to guarantee the granting of the benefit.
- Review documentation before submitting: Make sure all documents are correct and legible. Incomplete documents may cause delays in analysis.
- Follow the process through My INSS: Use the portal or app to monitor the status of the order and respond promptly to any additional requests.
- Avoid fraud and irregularities: INSS conducts audits to ensure that only eligible insured persons receive the benefit. False information may result in blocking or cancellation.
Main Questions About Maternity Pay
Still have questions about the Maternity Pay? Below, we answer some of the most common questions:
Can the Father Apply for the Benefit?
Yes, in cases of death of the mother or the person responsible for the birth, the father can apply for Maternity Pay. This measure aims to guarantee financial support for the family and the care of the child.
Can Maternity Pay Be Combined with Other Benefits?
Yes, Maternity Pay can be combined with sickness benefit, as long as the insured person proves incapacity for work.
However, it cannot be accumulated with retirement benefits.
How long does it take for INSS to release payment?
The analysis period varies, but on average, the INSS takes up to 30 days to grant the benefit. This time may increase if additional documentation needs to be submitted.
Is There a Deadline to Request Maternity Pay?
Yes, it is important to request the benefit within 90 days from birth or the event that gave rise to the benefit, such as adoption or legal guardianship. To avoid problems, it is recommended to start the process as soon as possible.
Can I Apply for the Benefit Before Birth?
Yes, it is possible to apply for the benefit. up to 28 days before the expected date of birth, as long as the pregnancy is proven by a medical certificate.
Conclusion
O Maternity Pay It is an essential right for all mothers insured by the INSS. With it, it is possible to have financial support during a crucial moment for family life.
To receive your maternity pay from the INSS, it is important to be aware of the requirements and the application process.
Having the correct documentation and following INSS guidelines are fundamental steps to avoid delays and guarantee the benefit within the necessary period.
By planning in advance and maintaining regular contributions, you will be able to enjoy this right with peace of mind, knowing that the INSS is by your side during such a special phase.
