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What is the Social Benefit for Inclusion (PSI)?

The PSI is Portugal’s monthly benefit for people with a disability. It has a fixed base component and a complement that depends on the household’s income.

4 min readReviewed By Thorben Rasmus IdelReviewed by Nahar Geva

TL;DR

The Prestação Social para a Inclusão (PSI), or Social Benefit for Inclusion, is a monthly benefit from Portugal’s Social Security for people with a disability and an incapacidade of 60% or more. It has two cash parts: the base component, which in 2026 is €333.64 a month for adults (€166.82 for under-18s) and is income-independent for an incapacidade of 80% or more; and the complement, capped at €670 a month and granted under a means test. The complement is a threshold (€670 × the household scale) minus the household’s reference income.

What is the PSI?

The Prestação Social para a Inclusão (PSI), or Social Benefit for Inclusion, is a monthly benefit from Portugal’s Social Security for people with a disability and an incapacidade of 60% or more3. Created by Decree-Law no. 126-A/2017, it replaced and simplified several older disability benefits2.

The PSI has two cash parts that can be claimed together:

  • the base component, which offsets the general extra costs of disability;
  • the complement, which fights poverty and goes to those on low incomes.

You can estimate both parts in our Social Benefit for Inclusion calculator.

Who qualifies for the PSI?

The PSI is for people with an incapacidade of 60% or more, certified by a multi-purpose medical certificate, who reside legally in Portugal3.

  • The base component depends mainly on the incapacidade and the holder’s age.
  • The complement also requires being 18 or older, receiving the base component and meeting the means test (income and assets limits).

The decision on entitlement, the certification of the disability and the exact counting of income are always up to Social Security.

What is the PSI amount in 2026?

In 2026 the reference values were set by Portaria no. 58-A/2026/1, updated with the Social Support Index (IAS)1:

Part of the PSIMonthly value in 2026
Base component (18 or older)€333.64
Base component (under 18)€166.82
Complement (maximum)€670.00

For an under-18 holder in a single-parent household, the base component is increased by 35%3.

How is the base component calculated?

For an incapacidade of 80% or more, the base component is a fixed amount of €333.64 a month, independent of income3. This is the simplest case and the one our calculator assumes.

For an incapacidade between 60% and 79%, the base component is reduced according to income: you receive the lower of two values: the reference value (€333.64) or the difference between an accumulation threshold and the person’s income. That more detailed rule is not computed here.

How is the complement calculated?

The complement works much like the RSI: it is the difference between a threshold and the household’s reference income3.

complement = thresholdhousehold reference income

  1. The threshold is €670 times the household’s equivalence scale: 1 for the holder, 0.7 per other adult and 0.5 per minor who is not a holder.
  2. The household’s reference income is subtracted. Note: the base component itself counts as income here.
  3. The result is the complement, up to a maximum of €670. If income reaches the threshold, there is no complement (but the base component is kept).

Worked example

An adult with an incapacidade of 80% or more, alone in the household and with no other income:

  • base component = €333.64;
  • complement threshold = €670 × 1 = €670;
  • because the base counts as income, complement = €670 − €333.64 = €336.36;
  • total PSI = €333.64 + €336.36 = €670 a month.

If the household already had €200 of income, the complement would fall to €670 − (€200 + €333.64) = €136.36 and the total PSI would be €470 a month.

Try your case in the PSI calculator.

Which income counts for the complement?

The reference income of the whole household counts: work (89% for the holder), pensions, capital and property income and the base component itself3. Some benefits are excluded, such as the RSI, the old-age solidarity supplement or social subsidies. Social Security applies its own rules, so the real amount may differ from a simple calculation.

PSI, RSI and other benefits

The PSI is specific to disability, but it can be combined with other benefits. Those with children can also receive child benefit; those living in poverty can have the RSI, which does not count as income for the PSI complement. Each benefit has its own calculation and conditions, and the final decision is always up to Social Security.

Common mistakes

  • Confusing the PSI with the RSI

    They are different benefits. The PSI is for people with a disability (an incapacidade of 60% or more) and has a base component tied to the disability; the RSI is a minimum income for families in poverty, with no disability requirement.

  • Assuming everyone receives €670

    The €670 is the complement’s maximum, not a guaranteed amount. The complement is the difference between the threshold and the household income, so it falls as income rises and can be zero.

  • Forgetting that the base component counts as income

    When calculating the complement, the base component the person receives counts as household income. That is why the complement is always below the threshold whenever there is a base component to receive.

Frequently asked questions

What is the Social Benefit for Inclusion?
It is a monthly benefit from Portugal’s Social Security for people with a disability and an incapacidade of 60% or more. It pairs a base component, which offsets the general extra costs of disability, with a complement for those on low incomes. It replaced older benefits such as the lifelong monthly allowance.
Who qualifies for the PSI?
People with a disability and an incapacidade of 60% or more, certified by a multi-purpose medical certificate, who reside legally in Portugal. The base component depends mainly on the incapacidade and age; the complement also requires being 18 or older, receiving the base component and meeting the means test.
What is the PSI amount in 2026?
The base component is €333.64 a month for adults (18+) and €166.82 for under-18s, set by Portaria no. 58-A/2026/1 (plus 35% on the under-18 base component in a single-parent household). The complement is capped at €670 a month. The total PSI is the sum of the two parts.
How is the PSI complement calculated?
A threshold is computed as €670 times the household scale (1 for the holder, 0.7 per other adult, 0.5 per minor) and the household’s reference income is subtracted, including the base component itself. The complement is the difference, up to a maximum of €670. If income reaches the threshold, there is no complement.
Does income reduce the base component?
For an incapacidade of 80% or more, no: the €333.64 base component is guaranteed regardless of income. Between 60% and 79%, the base component is reduced according to income, under its own accumulation threshold.
Is the PSI compatible with work?
Yes. Working does not automatically exclude the PSI. For an incapacidade of 80% or more, the base component is kept; work income mainly affects the complement. There is also an annual ceiling on accumulating the base component with work income, designed not to penalise those who work.

Sources

  1. 1.Portaria no. 58-A/2026/1, of 3 February (PSI reference values for 2026)Diário da República · retrieved 9 Jun 2026
  2. 2.Decree-Law no. 126-A/2017, of 6 October (Social Benefit for Inclusion regime)Diário da República · retrieved 9 Jun 2026
  3. 3.Social Benefit for Inclusion: practical guide (base component and complement)Segurança Social · retrieved 9 Jun 2026

Author / Reviewed by

Author

Thorben Rasmus Idel

Co-founder & writer

Co-founder of Calculadora Capital and the writer behind the methodology on every calculator and article. An entrepreneur and active investor, Thorben founded Idel Versandhandel GmbH, an international trading company operating across 16 countries, and invests across stocks, ETFs and cryptocurrency. He writes the methodology and verifies the math behind each page, drawing on hands-on business and investing experience to keep the tools and explanations grounded in how money, markets and taxes actually work for everyday people in Portugal.

Reviewed by

Nahar Geva

Co-founder & reviewer

Co-founder of Calculadora Capital and the independent reviewer behind every calculator and article. An entrepreneur and active investor, Nahar brings a data- and product-driven mindset together with hands-on experience in the markets — investing across stocks and ETFs as well as cryptocurrency and other digital assets, alongside broader personal finance and real estate. On each page Nahar reviews the methodology and double-checks the math and figures, pressure-testing how the tools and explanations hold up against the way money, markets and taxes actually work for everyday investors.

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