Understanding Your INSS Financial Statement (Ficha Financeira)
The Ficha Financeira, or Financial Statement, from the Instituto Nacional do Seguro Social (INSS) is a crucial document for Brazilian citizens receiving benefits from the social security system. It provides a detailed breakdown of your benefit payments, deductions, and other relevant financial information related to your INSS income.
What is Included in the Ficha Financeira?
The Ficha Financeira typically contains the following key information:
- Beneficiary Information: Your name, CPF (Brazilian individual taxpayer registry number), and benefit type.
- Benefit Details: The type of benefit you receive (e.g., retirement, disability, survivor’s pension), your benefit number, and the applicable legislation.
- Payment History: A chronological record of your payments for a specific period. This is the core of the document.
- Gross Amount: The total value of your benefit before any deductions.
- Deductions: A detailed list of any deductions applied to your benefit. Common deductions include:
- Income Tax (Imposto de Renda – IR): If your benefit exceeds the income tax threshold, this will be deducted.
- INSS Contributions (Contribuição ao INSS): In some cases, beneficiaries might contribute to INSS, particularly if they are also employed.
- Consignments (Consignados): Deductions related to loans obtained through salary-deduction schemes, a common practice in Brazil. The specific lender and loan details should be included.
- Court Orders (Decisão Judicial): Deductions mandated by court orders, such as alimony payments.
- Net Amount: The final amount you receive after all deductions.
- Payment Dates: The dates on which your benefit was paid.
- Bank Information: The bank account where your benefit is deposited.
- Reference Month/Year (Competência): The month and year to which the payment corresponds.
Why is the Ficha Financeira Important?
The Ficha Financeira serves several important purposes:
- Income Verification: It’s often required as proof of income when applying for loans, credit cards, or other financial services.
- Tax Reporting: It’s essential for filing your annual income tax return. It provides the necessary details regarding the income received from INSS and any income tax withheld.
- Financial Control: It allows you to track your benefit payments and ensure that the correct amounts are being paid and that any deductions are legitimate.
- Dispute Resolution: If you believe there are errors in your payments or deductions, the Ficha Financeira provides the necessary documentation to file a claim with INSS.
- Loan Refinancing: When considering refinancing a “consignado” loan (loans deducted directly from the benefit payment), the Ficha Financeira displays the current deductions which assists in calculating affordability.
How to Obtain Your Ficha Financeira
You can typically access your Ficha Financeira through the following channels:
- Meu INSS Portal/App: The official INSS online portal and mobile app are the most convenient ways to access your financial statements. You’ll need to create an account and log in using your CPF.
- INSS Branch: You can visit an INSS branch in person and request a printed copy of your Ficha Financeira. Be prepared to present identification.
- Bank: Some banks may provide access to your INSS financial statement through their online banking platforms, especially if your benefit is deposited with them.
Reviewing Your Ficha Financeira
It’s important to carefully review your Ficha Financeira regularly to ensure accuracy. Pay close attention to the gross amount, deductions, net amount, and payment dates. If you notice any discrepancies, contact INSS immediately to clarify and correct the situation. Specifically, check for unauthorized “consignado” loans which, unfortunately, is a common form of fraud in Brazil.
1400×788 informe de rendimentos inss image from imagetou.com 
931×774 fp ficha financeira socio valor pago inss contribuinte from portaldocliente.prosoft.com.br 
1319×971 fp ficha financeira socio valor pago inss contribuinte base de from ajuda.alterdata.com.br 
1014×699 informe de rendimentos inss extrato inss irpf hot sex picture from www.hotzxgirl.com 
711×722 informe de rendimentos extrato inss imposto de renda from emprestimofacil.com 
986×674 fp inss pago em quitacao duplicado na ficha financeira base de from ajuda.alterdata.com.br 
781×580 fp inss pago em quitacao duplicado na ficha financeira from portaldocliente.prosoft.com.br 
555×746 inss relatorio contas verdade from verdade.co.mz 
919×612 fp ferias como inss sobre ferias acumulada na ficha from ajuda.alterdata.com.br 
1280×720 como imprimir comprovante de rendimentos inss image from imagetou.com 
768×1087 ficha ins from www.slideshare.net 
1000×666 inss tudo voce precisa saber sobre portalfinancacom from portalfinanca.com 
624×479 comprovante de rendimento inss veja como consultar hot sex picture from www.hotzxgirl.com 
940×626 como conseguir informe de rendimentos inss from www.leoa.com.br 
917×570 informe de rendimentos inss acesso rapido ao extrato de from digitei.com 
1263×838 extrato inss pagamentos benef cios atualizado hot sex picture from www.hotzxgirl.com 
1600×840 xo problemas conheca agora quais os documentos mais analisados pela from pronatec.pro.br 
900×506 inss disponibiliza informe de rendimentos declaracao irpf from glaucialima.com 
1200×600 beneficio inss passos na conta todo mes from www.otvfoco.com.br 
1024×683 aprenda tirar extrato inss pela internet de modo facil rapido from nossobanco.digital 
640×853 veja como consultar extrato inss financy from financy.com.br 
2560×1707 como obter informe de rendimentos inss finanzero from finanzero.com.br