Despite the end of the initial deadline to contest deductions, thousands of retirees and pensioners from the National Institute of Social Security (INSS) can still recover amounts that were improperly deducted from their benefits. The phase for joining the reimbursement remains open for those who have already registered their complaints and had their cases accepted, even if the official contestation has already ended.
Those who identified deductions related to unauthorized associations or unions have the right to this restitution process. It is crucial to emphasize that missing the contestation deadline does not mean that the right to reimbursement is lost for those who acted in time.
How the reimbursement process works
After the contestation, the entity that made the charge is notified and has a period of up to 15 working days to present evidence that the deduction was authorized by the beneficiary. There is not just one situation; three scenarios can occur:
- Confirmation of a valid authorization;
- Identification of irregularities in the documentation;
- Absence of response from the responsible entity.
If the entity fails to demonstrate the validity of the authorization, the insured can proceed with the reimbursement agreement, which will be automatically released by the INSS system.
Payment deadlines
Typically, upon joining the agreement, the payment is made quickly, with amounts credited within up to three working days to the account used for the benefit. This credit also considers the financial updates established by the Federal Government, preventing insured individuals from needing to resort to the courts to recover amounts that could already be returned administratively.
Who is entitled to reimbursement
The refund is intended for individuals who faced unauthorized deductions between March 2020 and March 2025. The INSS examines each request individually, including discounts from:
- associations;
- unions;
- representative entities;
- organizations without proven authorization.
Results of investigations
The discovery of improper charges was confirmed by the No Discount Operation, in collaboration between the Federal Police and the Comptroller General of the Union (CGU). The investigation revealed a comprehensive scheme of irregular charges, resulting in an agreement for the return of amounts, approved by the Supreme Federal Court (STF) and scheduled to be implemented in 2025.
Prospects for beneficiaries
While many have already managed to recover their amounts, about 1.9 million beneficiaries still have their cases under analysis. Some are awaiting responses from the entities and others already have the chance to participate in the agreement but have not yet completed this step. Regular monitoring of the situation is crucial to ensure reimbursement.
Tracking the process
The insured can track the status of their reimbursement requests through the Meu INSS portal or app. Another option is to seek information through Central 135 or visit post office agencies that offer this type of assistance.
Checking improper deductions
It is important to note that not all deductions on the benefit statement are considered irregular. Retirees should confirm if they consented to the affiliation with the entity that made the charge. If there was no authorization, it is necessary to ensure that the contestation was made within the deadline. Consulting the payment history can help identify charges that went unnoticed.
Advice for insured individuals
Even after the contestation deadline has ended, it is recommended that retirees and pensioners carefully review their statements. Many discovered improper deductions only after the initiation of the No Discount Operation. The INSS reported that more than 5.5 million beneficiaries made contestations, and many are still waiting to join the agreement and receive the amounts due.
Steps for those whose case has already been approved
Insured individuals who are entitled to reimbursement should complete this procedure as soon as possible. With the confirmation of joining, the INSS will begin releasing the amounts, a process that can be completed in a few days. It is essential to frequently check the Meu INSS platform to stay updated on new information and avoid delays in obtaining reimbursement.