Currently, the Federal Savings Bank released payments for the FGTS anniversary withdrawal. In order to have access to the amount, workers must keep an eye on the withdrawal of the money and follow the schedule available on the internet according to their anniversary date.
Therefore, some information about this specific withdrawal should be clarified so that you don't end up missing the right date. Check out everything you need to know about the anniversary withdrawal and who can withdraw it below.
Who receives the FGTS?
Before even commenting on the FGTS anniversary withdrawal, it is necessary to keep an eye on the people who are entitled to receive the amount. All those who are governed by the Consolidation of Labor Laws (CLT) will have the opportunity to count on the money on their respective birthday.
Therefore, those who receive the benefit are:
- intermittent;
- rural workers;
- urban workers;
- professional athletes;
- temporary;
- loose;
- domestic employees;
- rural workers who work only during the harvest period.
This means that the amount that can be withdrawn is solely the deposits that are made monthly by a contracting company. This amount is equivalent to 8% of all remuneration pays the employee in the form of salary. Checking that the calculation is correct at the time of receiving the amount is necessary to avoid some hassles in the long run.
Reasons for receiving FGTS
Some withdrawal situations are provided for by law and may deviate slightly from what was previously discussed. Therefore, if the worker has some other reasons, which are approved and registered, it is possible to be entitled to the FGTS anniversary withdrawal.
Check below the situations provided for by law for receiving the amount:
- Odd job;
- Dismissal without just cause;
- Company bankruptcy;
- Force majeure, whether natural disasters that hit the company or the resident's home;
- Serious illnesses, including cancer and HIV;
- Retirement at age over 70;
- Acquisition of own home;
- Death of the worker;
- Unemployment for three years or more.
However, in recent years, some other modalities have been included in order to guarantee greater access to the benefit for workers. One of these new clauses includes the FGTS anniversary withdrawal, allowing the worker to withdraw a certain amount annually, in the month of his/her birthday.
How do I receive the FGTS anniversary withdrawal?
In order for you to have access to this amount, Caixa Econômica Federal must be informed of your situation. Therefore, for those who have already joined the modality, just access the “FGTS App” at cell phone or through the Caixa website, using a computer to verify the appeal.
If you have not yet signed up for the FGTS anniversary withdrawal, then workers must make this request by, at the latest, the last business day of the month of their birth. To do this, simply access the FGTS app or the Caixa website and click on “Meu FGTS”, looking for the anniversary withdrawal option.
In order to complete your request to receive the benefit, you will need to agree to all the terms set out and sign up for the anniversary withdrawal. Then, indicate an account where you will be able to receive the amount. This last step is free and no costs will be charged.
What do you need to know about this withdrawal?
See below everything you need to know about the FGTS anniversary withdrawal.
FGTS Limitation
If you choose the annual withdrawal option, it is worth noting that you will not be able to withdraw the entire balance from your account in cases of unfair dismissal. Therefore, if you are fired, you will not be able to access all the money that was left in your account, as is the case in most cases.
In situations like this, the worker will only be entitled to a fine of 40% and the rights with prior notice, in addition to other amounts such as proportional vacation pay. The FGTS balance, in its entirety, would continue to be withdrawn annually.
Withdrawal period
After signing up for the FGTS anniversary withdrawal, you can only return to the previous option, which in this case would be the full withdrawal in the event of dismissal, after two years of signing up. So, think carefully before requesting it.
