To access the FGTS It is necessary to pay attention to some rules, especially after the Pension Reform.
This benefit is a right of workers who worked under the CLT regime, in addition, it is also possible to use this extra resource to purchase your own home.
Who can receive the FGTS?
With the changes in the Pension Reform, workers under the CLT regime can receive this benefit and also: domestic, rural, temporary, intermittent, casual, safreros (rural workers who work only during the harvest period) and athletes.
The amount deposited corresponds to 8% of the salary paid to the worker. Furthermore, the employer must make payments monthly and withdrawals are provided for in accordance with article 20 of Law No. 8,036 of 05/11/1990.
How to redeem the amount?
It is possible to request an FGTS withdrawal through the application, or you can access the website of another financial institution.
This way, it is possible to use the benefit balance in the following situations:
● Retirement;
● Acquire your own home;
● Pay property financing;
● Dismissal without just cause;
● Finalization of a temporary contract;
● Death of a worker;
● Emergency situation or public calamity.
To withdraw the amount you must have a citizen card, see below how to carry out this withdrawal procedure:
Up to R$ 1500.00
You can withdraw directly from an ATM or lottery outlets, as well as from Caixa's other banking correspondents. To do this, simply present a photo ID and citizen card.
Between R$ 1500.00 to R$ 3000.00
It is allowed to withdraw from an ATM with your citizen card, it is possible to use lottery outlets and other stores that are Caixa correspondents, we must present a photo ID.
Above R$ 3000.00
For amounts greater than R$ 3000.00 it is only possible at Caixa branches, upon presentation of a photo ID.
What documents are required?
If you were fired without just cause, it is important to present the documents below:
● Work Card;
● Identification document of the non-employed worker or director;
● PIS/PASEP/NIS registration number;
● Term of Discharge of the Termination of the Employment Contract - TQRCT or Term of Approval of the Termination of the Employment Contract - THRCT;
● Certified copy of the minutes of the meetings, to prove the election, in addition to reappointments and end of term of office, for directors who are not employees.
Additionally, you may also be interested:
CadÚnico: how to register, who is entitled and benefits?
How to apply to the INSS for aid, pension, retirement?
After the Pension Reform, there were many changes related to worker benefits, so it is important to check with the cashier what documentation is mandatory for each situation.
What does Bill 3718/20 say?
This is the interest withdrawal, it is a new system for moving the FGTS account.
Therefore, this proposal will allow the withdrawal of an amount of R$ 1045.00 at any time after 2023, workers can move the account freely.
In birthday withdrawals, the withdrawal limit is 90%, this proposal aims to change the FGTS law, thus providing more freedom without harming the survival of the fund.
Conclusion
Therefore, the FGTS is an extremely important resource to move the country's economy in times of crisis.
Therefore, if you have an available balance, use this money intelligently and take advantage of the opportunity to balance your financial life.