Previdência social e migração: O que acontece com os trabalhadores que saem do Brasil e se aposentam na Espanha e em Portugal?

Giselle Mazzoto de Carvalho; Luís Eduardo Afonso

doi:10.1590/0101-41615113gcla

Authors

Giselle Mazzoto de Carvalho Itaú Unibanco https://orcid.org/0000-0001-9728-4967
Luís Eduardo Afonso Universidade de São Paulo. Faculdade de Economia, Administração e Contabilidade https://orcid.org/0000-0003-4639-8299

DOI:

https://doi.org/10.1590/0101-41615113gcla

Keywords:

Pension system, Retirement, Migration, Pension indicators

Abstract

This article aims to analyze the impacts on Brazilian workers who migrate during their working lives to Spain or Portugal and retire in these countries. This is done from the perspective of the worker, based on the social security agreements between these nations, considering the different rules of contribution, eligibility conditions and calculation of old-age benefits. Pension values and three pension indicators are calculated: Replacement Rate (RR), Internal Rate of Return (IRR) and Necessary Contribution Rate (AliqNec) for each situation analyzed. Additionally, an indicator is proposed to measure the variation in the contribution needed to fund the benefit in the destination country, resulting from the migration. The main results show that, although the RR values may increase with migration (except for individuals with higher income), the other indicators tend to be lower, in particular due to the higher retirement age in Portugal and Spain.

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Author Biography

Luís Eduardo Afonso, Universidade de São Paulo. Faculdade de Economia, Administração e Contabilidade

Professor. Departamento de Contabilidade e Atuária da Universidade de São Paulo. Faculdade de Economia, Administração e Contabilidade.

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Pension system and migration: What happens to workers who leave Brazil and retire in Spain and Portugal?

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