{"id":355574,"date":"2025-12-15T15:15:43","date_gmt":"2025-12-15T18:15:43","guid":{"rendered":"https:\/\/fdr.com.br\/tendencias\/?p=355574"},"modified":"2025-12-15T15:20:56","modified_gmt":"2025-12-15T18:20:56","slug":"endividamento-no-inss-o-que-muda","status":"publish","type":"post","link":"https:\/\/fdr.com.br\/tendencias\/endividamento-no-inss-o-que-muda\/","title":{"rendered":"Endividamento no INSS: o que muda com as novas regras para aposentados e pensionistas"},"content":{"rendered":"<p data-start=\"420\" data-end=\"730\">O endividamento de aposentados e pensionistas voltou ao centro do debate ap\u00f3s o INSS adotar <strong data-start=\"512\" data-end=\"557\">novas regras para descontos em benef\u00edcios<\/strong>.<\/p>\n<p data-start=\"420\" data-end=\"730\">As mudan\u00e7as buscam coibir abusos, evitar fraudes e reduzir o comprometimento excessivo da renda mensal. Na pr\u00e1tica, milhares de segurados podem sentir al\u00edvio no or\u00e7amento.<\/p>\n<div><script src=\"https:\/\/geo.dailymotion.com\/player\/x15cca.js\" data-video=\"x9vqzj2\" data-params=\"mute=true\"><\/script><\/div>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"VideoObject\",\"name\":\"BPC LOAS 2026: COMO RECEBER, VALOR, INSCRI\u00c7\u00c3O E REGRAS ATUALIZADAS,\",\"description\":\"Como receber o Benef\u00edcio de Presta\u00e7\u00e3o Continuada em 2026? Entenda as regras atualizadas do BPC\/LOAS e todas as mudan\u00e7as que foram confirmadas para 2026.#bpc #inss #bpcloas\",\"thumbnailUrl\":\"https:\/\/s1.dmcdn.net\/v\/ZdNbU1fG1YMLxe5CH\/x120\",\"uploadDate\":\"2025-12-15T11:17:25-03:00\",\"duration\":\"PT370S\",\"embedUrl\":\"https:\/\/geo.dailymotion.com\/player.html?video=x9vqzj2\"}<\/script><\/p>\n<h2 data-start=\"732\" data-end=\"769\">O que motivou as mudan\u00e7as no INSS?<\/h2>\n<p data-start=\"771\" data-end=\"999\">Nos \u00faltimos anos, cresceram as den\u00fancias de <strong data-start=\"815\" data-end=\"868\">descontos indevidos em benef\u00edcios previdenci\u00e1rios<\/strong>.<\/p>\n<p data-start=\"771\" data-end=\"999\">Entidades associativas, sindicatos e at\u00e9 intermedi\u00e1rios financeiros realizavam cobran\u00e7as sem autoriza\u00e7\u00e3o clara dos benefici\u00e1rios.<\/p>\n<p data-start=\"1001\" data-end=\"1246\">Al\u00e9m disso, muitos aposentados passaram a conviver com <strong data-start=\"1056\" data-end=\"1078\">superendividamento<\/strong>, principalmente por meio de <span style=\"color: #008080;\"><strong><a style=\"color: #008080;\" href=\"https:\/\/fdr.com.br\/artigos\/inss-emprestimo-consignado-para-aposentados-como-funciona-e-como-solicitar\/\">empr\u00e9stimos consignados<\/a><\/strong><\/span> contratados sem total compreens\u00e3o das condi\u00e7\u00f5es.<\/p>\n<p data-start=\"1001\" data-end=\"1246\">Esse cen\u00e1rio pressionou o governo e o Congresso a rever as regras.<\/p>\n<h2 data-start=\"1248\" data-end=\"1312\">Quais s\u00e3o as principais mudan\u00e7as nas regras de endividamento?<\/h2>\n<style>@media (min-width: 992px) {\n    .recomendadorV2Area1 {\n        width: 280px;\n    }\n    .recomendadorV2Area2 {\n        padding: 0px 20px;\n        width: calc(100% - 280px);\n    }\n}\n\n@media (max-width: 992px) {\n    .recomendadorV2Button {\n        margin: 0 auto;\n    }\n    .recomendadorV2Area {\n        flex-direction: column;\n        text-align: center;\n 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!important;\n    font-size: 15px;\n    line-height: 1.5;\n}\n\n.recomendadorV2Button {\n    width: auto;\n    max-width: 200px;\n    margin: 0;\n    display: inline-flex;\n    align-items: center;\n    background: #1D3557;\n    border-radius: 8px;\n    color: #fff;\n    height: 36px;\n    justify-content: center;\n    text-align: center;\n    font-size: 14px;\n    padding: 0 20px;\n    transition: background-color 0.2s ease;\n}\n\n.recomendadorV2Button:hover {\n    background: #2a4d7a;\n}\n\n.recomendadorV2Button:after {\n    margin-top: -2px;\n    content: \"\u2192\";\n    padding: 0px 0px 0px 8px;\n}\n\n.recomendadorV2Alert {\n    text-align: left;\n    font-size: 11px;\n    margin-top: 8px;\n    color: #666;\n}\n\n.recomendadorFixedArea {\n    width: 100%;\n    display: flex;\n    justify-content: center;\n    align-items: center;\n}\n\n@media (min-width: 992px) {\n    #recomendadorFixed {\n        width: 32% !important;\n        left: 5%;\n    }\n    .recomendadorCloseFixed{\n      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130px);\n    justify-content: space-between;\n    align-items: center;\n    flex-direction: column;\n}\n\n.recomendadorButtonFixed {\n    margin: 0 auto;\n    background: #1D3557;\n    width: 80%;\n    text-align: center;\n    font-size: 10px;\n    color: #FFF;\n    padding: 2px 10px;\n    border-radius: 3px;\n}\n\n.recomendadorButtonFixed:after {\n    margin-top: -3px;\n    content: \"\u2192\";\n    padding: 0px 0px 0px 10px;\n}\n\n.recomendadorAlertFixed {\n    font-weight: 400;\n    text-align: center;\n    color: #484848;\n    font-size: 8px;\n}\n\n.recomendadorCloseFixed {\n    z-index: 99999;\n    display: none;\n    right: 0px;\n    left: inherit;\n    bottom: 99px;\n    position: fixed;\n    justify-content: center;\n    background: #F6F6F6;\n    width: 25px;\n    align-items: center;\n    height: 25px;\n    font-weight: 800;\n    border-radius: 50%;\n    border: 1px solid #EBEBEB;\n}\n\n.recomendadorV2Desc{\n    color: #000000;\n    margin: 20px 0px;\n}\n\n@media (max-width: 576px) {\n    .recomendadorV2Area {\n      padding: 10px;\n      max-width: 100%;\n    }\n  \n    .recomendadorV2Area1 img {\n      width: 100%;\n      border-radius: 6px;\n    }\n  \n    .recomendadorV2Area2 .recomendadorV2Type {\n      font-size: 9px;\n      letter-spacing: 1px;\n      margin: 8px 0;\n    }\n  \n    .recomendadorV2Title h2 {\n      font-size: 18px !important;\n      margin-bottom: 8px !important;\n      line-height: 1.2;\n    }\n  \n    .recomendadorV2Desc {\n      font-size: 14px;\n      margin: 8px 0 !important;\n      line-height: 1.4;\n    }\n  \n    .recomendadorV2Button {\n      font-size: 14px;\n      height: 40px;\n      padding: 0 12px;\n      max-width: 100%;\n      width: 100%;\n    }\n  \n    .recomendadorV2Button:after {\n      padding-left: 6px;\n    }\n  }\n  <\/style>\n        <div class=\"lazyblock-recomendador-v2-2jDGz wp-block-lazyblock-recomendador-v2\">\n        <a class=\"linkrecomendadorv2\" href=\"https:\/\/fdr.com.br\/tendencias\/por-que-a-renovacao-automatica-da-cnh-nao-vale-para-motoristas-a-partir-de-70-anos\/?mrfhud=true\">\n            <div class=\"recomendadorV2Area\">\n            <div class=\"recomendadorV2Area1\">\n                <div class=\"recomendadorV2Img\">\n                <img class=\"lazyloaded\" decoding=\"async\" src=\"https:\/\/fdr.com.br\/tendencias\/wp-content\/uploads\/2025\/12\/Renovacao-Automatica-CNH-750x375.jpg\" data-src=\"https:\/\/fdr.com.br\/tendencias\/wp-content\/uploads\/2025\/12\/Renovacao-Automatica-CNH-750x375.jpg\" alt=\"\">\n                <\/div>\n            <\/div>\n            <div class=\"recomendadorV2Area2\">\n                <div class=\"recomendadorV2Type\">\n                    <span>Tr\u00e2nsito em pauta<\/span>\n                <\/div>\n                <div class=\"recomendadorV2Title\">\n                <h2><span>CNH n\u00e3o renova automaticamente ap\u00f3s os 70<\/span><\/h2>\n                <\/div>\n                <div class=\"recomendadorV2Desc\">\n                <span>Entenda por que motoristas acima de 70 anos ficam fora da regra<\/span>\n                <\/div>\n                <div class=\"recomendadorV2Button\">Confira o motivo<\/div>\n                <div class=\"recomendadorV2Alert\"><\/div>\n            <\/div>\n            <\/div>\n        <\/a>\n        <div>\n            <div style=\"z-index:99999;\" id=\"buttonClose\" onclick=\"closeRecomendadorFixed()\">\n            <div class=\"recomendadorCloseFixed\">X<\/div>\n            <\/div>\n            <a href=\"https:\/\/fdr.com.br\/tendencias\/por-que-a-renovacao-automatica-da-cnh-nao-vale-para-motoristas-a-partir-de-70-anos\/?mrfhud=true\">\n            <div class=\"recomendadorFixedArea\">\n                <div id=\"recomendadorFixed\">\n                <div class=\"recomendadorLeftArea\">\n                    <div class=\"recomendadorImgFixed\">\n                    <img class=\"lazyload\" decoding=\"async\" src=\"https:\/\/fdr.com.br\/tendencias\/wp-content\/uploads\/2025\/12\/Renovacao-Automatica-CNH-750x375.jpg\" alt=\"\">\n                    <\/div>\n                <\/div>\n                <div class=\"recomendadorRightArea\">\n                    <div class=\"recomendadorTitleFixed\">\n                    <h2><span>CNH n\u00e3o renova automaticamente ap\u00f3s os 70<\/span><\/h2>\n                    <\/div>\n                    <div class=\"recomendadorButtonFixed\">Confira o motivo<\/div>\n                    <div class=\"recomendadorAlertFixed\"><\/div>\n                <\/div>\n                <\/div>\n            <\/div>\n            <\/a>\n        <\/div>\n        <\/div>\n<h3 data-start=\"1314\" data-end=\"1360\">Fim dos descontos associativos autom\u00e1ticos<\/h3>\n<p data-start=\"1362\" data-end=\"1568\">A principal altera\u00e7\u00e3o \u00e9 a <strong data-start=\"1388\" data-end=\"1454\">proibi\u00e7\u00e3o de descontos autom\u00e1ticos de associa\u00e7\u00f5es e sindicatos<\/strong> diretamente no <span style=\"color: #008080;\"><strong><a style=\"color: #008080;\" href=\"https:\/\/fdr.com.br\/category\/direitos-beneficios\/inss\/\">benef\u00edcio do INSS<\/a><\/strong><\/span>.<\/p>\n<p data-start=\"1362\" data-end=\"1568\">Mesmo que haja autoriza\u00e7\u00e3o pr\u00e9via, esse tipo de cobran\u00e7a n\u00e3o pode mais ocorrer.<\/p>\n<h3 data-start=\"1570\" data-end=\"1616\">Devolu\u00e7\u00e3o obrigat\u00f3ria de valores indevidos<\/h3>\n<p data-start=\"1618\" data-end=\"1846\">Caso um desconto irregular seja identificado, a entidade respons\u00e1vel deve <strong data-start=\"1692\" data-end=\"1743\">devolver o valor ao benefici\u00e1rio em at\u00e9 30 dias<\/strong>.<\/p>\n<p data-start=\"1618\" data-end=\"1846\">Se isso n\u00e3o ocorrer, o pr\u00f3prio INSS pode ressarcir o segurado e cobrar posteriormente da institui\u00e7\u00e3o.<\/p>\n<h3 data-start=\"1848\" data-end=\"1895\">Mais controle sobre empr\u00e9stimos consignados<\/h3>\n<p data-start=\"1897\" data-end=\"2130\">O <span style=\"color: #008080;\"><strong><a style=\"color: #008080;\" href=\"https:\/\/fdr.com.br\/artigos\/inss-emprestimo-consignado-para-aposentados-como-funciona-e-como-solicitar\/\">cr\u00e9dito consignado<\/a><\/strong><\/span> continua permitido, por\u00e9m agora exige <strong data-start=\"1956\" data-end=\"2006\">autoriza\u00e7\u00e3o expressa e mecanismos de valida\u00e7\u00e3o<\/strong>, como biometria ou confirma\u00e7\u00e3o digital. O objetivo \u00e9 impedir contrata\u00e7\u00f5es fraudulentas ou feitas sem ci\u00eancia do aposentado.<\/p>\n<h3 data-start=\"2132\" data-end=\"2171\">Limites de comprometimento da renda<\/h3>\n<p data-start=\"2173\" data-end=\"2207\">Os limites de desconto permanecem:<\/p>\n<ul data-start=\"2208\" data-end=\"2351\">\n<li data-start=\"2208\" data-end=\"2264\">\n<p data-start=\"2210\" data-end=\"2264\">At\u00e9 <strong data-start=\"2214\" data-end=\"2221\">35%<\/strong> do benef\u00edcio para empr\u00e9stimos consignados;<\/p>\n<\/li>\n<li data-start=\"2265\" data-end=\"2308\">\n<p data-start=\"2267\" data-end=\"2308\"><strong data-start=\"2267\" data-end=\"2273\">5%<\/strong> para cart\u00e3o de cr\u00e9dito consignado;<\/p>\n<\/li>\n<li data-start=\"2309\" data-end=\"2351\">\n<p data-start=\"2311\" data-end=\"2351\"><strong data-start=\"2311\" data-end=\"2317\">5%<\/strong> para cart\u00e3o benef\u00edcio consignado.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2353\" data-end=\"2478\">Apesar disso, a fiscaliza\u00e7\u00e3o ficou mais rigorosa para evitar que o segurado fique sem renda suficiente para despesas b\u00e1sicas.<\/p>\n<figure id=\"attachment_355576\" aria-describedby=\"caption-attachment-355576\" style=\"width: 1200px\" class=\"wp-caption alignnone\"><img decoding=\"async\" class=\"size-full wp-image-355576\" src=\"https:\/\/fdr.com.br\/tendencias\/wp-content\/uploads\/2025\/12\/Endividamento.jpg\" alt=\"Um aposentado do INSS se organizando par sair do endividamento\" width=\"1200\" height=\"800\" srcset=\"https:\/\/fdr.com.br\/tendencias\/wp-content\/uploads\/2025\/12\/Endividamento.jpg 1200w, https:\/\/fdr.com.br\/tendencias\/wp-content\/uploads\/2025\/12\/Endividamento-300x200.jpg 300w, https:\/\/fdr.com.br\/tendencias\/wp-content\/uploads\/2025\/12\/Endividamento-1024x683.jpg 1024w, https:\/\/fdr.com.br\/tendencias\/wp-content\/uploads\/2025\/12\/Endividamento-768x512.jpg 768w, https:\/\/fdr.com.br\/tendencias\/wp-content\/uploads\/2025\/12\/Endividamento-750x500.jpg 750w, https:\/\/fdr.com.br\/tendencias\/wp-content\/uploads\/2025\/12\/Endividamento-1140x760.jpg 1140w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><figcaption id=\"caption-attachment-355576\" class=\"wp-caption-text\">Endividamento no INSS \u2500 Imagem: Gera\u00e7\u00e3o\/FDR<\/figcaption><\/figure>\n<h2 data-start=\"2480\" data-end=\"2526\">O que n\u00e3o pode ser descontado do benef\u00edcio?<\/h2>\n<p data-start=\"2528\" data-end=\"2759\">D\u00edvidas comuns, como cheque especial, <span style=\"color: #008080;\"><strong><a style=\"color: #008080;\" href=\"https:\/\/fdr.com.br\/2025\/06\/02\/cartao-de-credito-consciente-7-regras-para-nunca-entrar-no-rotativo\/\">cart\u00e3o de cr\u00e9dito tradicional<\/a> <\/strong><\/span>ou empr\u00e9stimos pessoais fora do consignado, <strong data-start=\"2640\" data-end=\"2702\">n\u00e3o podem ser descontadas diretamente do benef\u00edcio do INSS<\/strong>. Qualquer desconto sem autoriza\u00e7\u00e3o \u00e9 considerado ilegal.<\/p>\n<h3 data-start=\"2761\" data-end=\"2804\">Impactos para aposentados e pensionistas<\/h3>\n<p data-start=\"2806\" data-end=\"3043\">Com as novas regras, a tend\u00eancia \u00e9 de <strong data-start=\"2844\" data-end=\"2885\">redu\u00e7\u00e3o do endividamento involunt\u00e1rio<\/strong> e maior prote\u00e7\u00e3o financeira. Ainda assim, especialistas recomendam cautela antes de contratar cr\u00e9dito, analisando juros, prazo e impacto no or\u00e7amento mensal.<\/p>\n<p data-start=\"3059\" data-end=\"3342\">As <strong>novas regras do INSS<\/strong> representam um avan\u00e7o importante na prote\u00e7\u00e3o de <span style=\"color: #008080;\"><strong><a style=\"color: #008080;\" href=\"https:\/\/fdr.com.br\/2025\/12\/09\/aposentados-de-60-65-70-75-ou-mais-vao-receber-pelo-menos-r-1-518-veja-as-datas\/\">aposentados e pensionistas<\/a><\/strong><\/span>.<\/p>\n<p data-start=\"3059\" data-end=\"3342\">Ao restringir descontos indevidos e refor\u00e7ar o controle sobre o consignado, o sistema previdenci\u00e1rio busca garantir mais seguran\u00e7a, transpar\u00eancia e dignidade financeira aos segurados.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O endividamento de aposentados e pensionistas voltou ao centro do debate ap\u00f3s o INSS adotar novas regras para descontos em benef\u00edcios. As mudan\u00e7as buscam coibir abusos, evitar fraudes e reduzir o comprometimento excessivo da renda mensal. Na pr\u00e1tica, milhares de segurados podem sentir al\u00edvio no or\u00e7amento. O que motivou as mudan\u00e7as no INSS? Nos \u00faltimos [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":355576,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard","override":[{"template":"1","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","share_position":"hide","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_reading_time":"0","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_comment_section":"1","number_popup_post":"1","show_author_box":"1","show_post_related":"0","show_inline_post_related":"0"}],"image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post_position":"meta","trending_post_label":"Trending","sponsored_post_label":"Sponsored by","disable_ad":"0","subtitle":""},"jnews_primary_category":[],"jnews_social_meta":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-355574","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-geral"],"_links":{"self":[{"href":"https:\/\/fdr.com.br\/tendencias\/wp-json\/wp\/v2\/posts\/355574","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fdr.com.br\/tendencias\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fdr.com.br\/tendencias\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fdr.com.br\/tendencias\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/fdr.com.br\/tendencias\/wp-json\/wp\/v2\/comments?post=355574"}],"version-history":[{"count":4,"href":"https:\/\/fdr.com.br\/tendencias\/wp-json\/wp\/v2\/posts\/355574\/revisions"}],"predecessor-version":[{"id":355579,"href":"https:\/\/fdr.com.br\/tendencias\/wp-json\/wp\/v2\/posts\/355574\/revisions\/355579"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fdr.com.br\/tendencias\/wp-json\/wp\/v2\/media\/355576"}],"wp:attachment":[{"href":"https:\/\/fdr.com.br\/tendencias\/wp-json\/wp\/v2\/media?parent=355574"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fdr.com.br\/tendencias\/wp-json\/wp\/v2\/categories?post=355574"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fdr.com.br\/tendencias\/wp-json\/wp\/v2\/tags?post=355574"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}