How long Does it take long to receive BPC after approval?

Among the federal government's benefits is the BPC, which helps thousands of people in Brazil living on the margins of poverty and extreme poverty. However, some questions still arise about the benefit and its potential benefits to those who receive it.

One of these questions is how long it takes to receive the BPC after approval, as there is a deadline for analysis and approval.

Additionally, there is a retroactive calculation of the benefit so you know exactly how much you will receive when you withdraw it.

To address these concerns, we've compiled a comprehensive article on how long it takes to receive BPC after approval and how to calculate the retroactive payment. Read on to learn everything you need to know about BPC.

What is BPC?

The Continuous Benefit Payment (BPC) is an income transfer program aimed at elderly people and people with disabilities in situations of socioeconomic vulnerability.

The BPC is regulated by the Organic Law of Social Assistance (LOAS) and is operated by the National Institute of Social Security (INSS). The benefit aims to guarantee the subsistence and dignity of people who are unable to provide for themselves or have their families provide for them.

Who is entitled to BPC?

The criteria for granting BPC are:

1. Per capita family income: Per capita family income must be less than a quarter of the current minimum wage.
2. Age or disability: The benefit is intended for elderly people aged 65 or over and people with disabilities who have long-term impairments of a physical, mental, intellectual or sensory nature, which, in interaction with various barriers, may obstruct full and effective participation in society with other people.
3. Registration in the Single Registry (CadÚnico): The person interested in the benefit must be registered in the Single Registry for Social Programs of the Federal Government (CadÚnico).

What is BPC retroactive?

The retroactive amount of the Continuous Benefit Payment (BPC) corresponds to the amount relating to the months preceding the official date of granting the benefit, to which the beneficiary is entitled.

When BPC is granted, retroactive payment is made to compensate for the months in which the beneficiary met the requirements but had not yet received the benefit release.

In this way, the BPC retroactive payment represents the disbursement of the amounts accumulated from the moment the benefit was requested until it was actually granted.

How do I know if I am entitled to retroactive BPC?

The right to retroactive payment of the Continuous Benefit Payment (BPC) covers all elderly people or low-income people with disabilities who have requested the benefit and it has been granted.

It is crucial to emphasize that the BPC retroactive payment is due exclusively from the date of submission of the request, and it is not feasible to receive retroactive amounts relating to periods prior to the request.

In other words, BPC retroactive payments are made from the time of application until the benefit is released. All those who met the requirements but had to wait a while for their benefit to be released are eligible.

How to calculate delayed benefits?

Want to know how much you'll receive in BPC retroactive payments? Here's a simple calculation to help you know how much you'll receive.

First, it's important to know the date you filed for BPC. Then, the date it was granted.

Calculate the number of months that have passed and multiply it by your current salary. This will give you the amount of BPC retroactive payment you'll receive.

Example: If you applied for BPC and received approval three months later. With your current salary of R$1,320.00, the calculation would be:

1,320 x 3 = 3,960

This way, you will receive a 3-month retroactive payment, equivalent to R$ 3,960.00.

It is worth noting that, as the request was administrative and made directly to the INSS, the beneficiary will receive a letter of concession with detailed information, including the exact amount, date and location to make the withdrawal.

It is also important to remember that the BPC payment follows the payment schedule, according to the final NIS number (without considering the digit), and it is necessary to wait for the established dates.

How do I receive BPC/LOAS retroactive payments? What do I need to do?

Receiving retroactive INSS payments can occur in two ways, depending on the benefit granting process. You can file an Administrative Request or file a Legal Proceeding.

In the case of an administrative request, you submit the request directly to the INSS. After the granting of the benefit, the INSS sends a letter of approval to the address registered in the Meu INSS system.

In this letter, you will find crucial information, such as the bank and location to withdraw the benefit, the date your benefit entitlement begins, and the amount you will receive.

If you agree with the information, retroactive amounts will be paid starting with the first benefit payment.

In situations involving legal proceedings, these are generally cases where the benefit was not initially granted or was canceled by the INSS. In this scenario, the beneficiary must file a lawsuit to obtain the benefit.

After the judge's decision, he or she will determine the start date for payments. In many cases, the judge will determine that retroactive payments must be made from the date the beneficiary filed the claim.

How is the BPC/LOAS retroactive payment made?

Retroactive payment is linked to the type of request made. In the case of an administrative request, after the benefit is granted, the retroactive payment is integrated into the benefit and paid simultaneously.

In the case of a court order, the judge must await a decision. The payment method for retroactive payments depends on the amount involved: if the amount is less than 60 minimum wages, a Small Value Request (RPV) is used; if the amount exceeds this limit, payment is made through a court-ordered payment.

How long does it take to receive BPC after approval?

After approval of the Continuous Benefit Payment (BPC), the legislation stipulates a specific period of 45 calendar days for the start of payment of the benefit.

During this time, the government has an obligation to initiate payments, ensuring that beneficiaries do not face excessive delays in receiving essential assistance.

Despite the legal deadline, delays in receiving BPC are possible, and some common reasons for these delays include:

• High Volume of Requests;
• Pending Documentation;
• Technical Problems;
• Insufficient Resources.

If the 45-day deadline for receiving BPC expires and the beneficiary has not received payment, it is crucial to act promptly.

The first step is to contact the INSS or the Social Assistance Secretariat responsible for the granting process, using telephone, email or in-person service channels.

If the delay persists or the beneficiary receives inadequate responses, they may seek guidance and support from consumer protection agencies or entities specializing in social rights.

In such situations, it is essential to gather all documentation related to the process, including records of contact attempts made.

What to do after payment is released?

After approval of the Continuous Benefit Payment (BPC), you must wait for payment, which will be made to the account indicated by you or to a bank account that will be indicated by the INSS system for this purpose.

If you have any questions regarding your bank account, you can check your benefit statement through the Meu INSS platform.

In addition to viewing account details, you'll have access to information about the deposit date and the possibility of unlocking the benefit to apply for a payroll loan.

What are the BPC rules in 2023? Has anything changed?

In 2023, the rules for accessing BPC underwent minor changes, meaning that the group of people eligible to receive it remains the same.

To be eligible for the Continuous Benefit Payment (BPC), in addition to being elderly aged 65 or over or a person with a disability, this group must meet a series of requirements stipulated by law.

Check the specific requirements for LOAS for the elderly:

• Present a certificate of poverty or need;
• Have a monthly family income per person equal to or less than ¼ of the minimum wage;
• Not be linked to any social security scheme;
• Not receive social security benefits of any nature, except medical assistance and special pension of an indemnifying nature;
• Be registered with the CPF, as well as your family;
• Be registered in the Single Registry;
• Be Brazilian born, naturalized or Portuguese.

And for LOAS for People with Disabilities, the requirements are as follows:

• Submit to INSS assessment for evaluation of medical and social condition;
• Present a certificate of poverty or need;
• Have a monthly family income per person equal to or less than ¼ of the minimum wage;
• Not be linked to any Social Security regime;
• Not receive benefits of any nature, except medical assistance and special pension of an indemnifying nature;
• Be registered with the CPF, as well as your family;
• Be registered in the Single Registry;
• Be Brazilian born, naturalized or Portuguese.

How do I check my BPC balance?

To check whether the Continuous Benefit Payment (BPC) has been granted, simply access the website or the “Meu INSS” mobile application.

Within the system, log in with your registered account gov.br and you will have access to the data, including amounts and date to receive your benefit.

Additionally, you can obtain this information by calling Central 135, and it is important to note that the call is free when made from a landline.

Frequently asked questions

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