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Cash release for FGTS anniversary withdrawal. The birthday withdrawal is an alternative to the retirement withdrawal and prevents the laid off worker from withdrawing the fund.Download the free application Portal Mix Vale
Answer: No. As soon as the employee has opted for the birthday withdrawal and wants to return to the retirement retirement, he will have to wait two years from the moment he announces the retirement of the birthday withdrawal to be entitled to the total withdrawal of the fund in unfair dismissal case.
In the meantime, however, you can continue to make withdrawals from the fund in the anniversary month.
Caixa reveals the payment dates for the FGTS anniversary retreat
What is the birthday loot?
The retirement anniversary is an alternative to retirement after the termination of the employment contract, which will allow the withdrawal of part of the FGTS account balance annually, in the month of your birthday.
To qualify for the birthday retreat, you need to choose this method.
The worker making the option may withdraw a percentage of the FGTS balance plus an additional fee, annually.
How do I join the birthday retreat?
Whoever wants to migrate in this way must inform Caixa of the decision.
From January 1, 2020, the worker’s membership takes effect immediately and can be carried out at any time.
Those who do not adhere remain in the current rules that do not grant the right to an annual withdrawal, but allow to maintain the right to completely withdraw the balance of the Fund in the event that they are dismissed without just cause (referred to by the termination of the Caixa withdrawal). ).
Is it mandatory to comply with the birthday retreat?
No
Membership in the birthday retreat is not mandatory. Only the worker who wishes to participate in the systematic birthday retreat should make the choice. If the worker does nothing, he remains in the current rules that allow the total withdrawal of the fund in case of dismissal.
See how to join the FGTS for the birthday retreat
I don’t want to join the birthday loot. Do I need to warn you?
No
Anyone who doesn’t want to join the birthday loot doesn’t have to do anything. In this way, it will remain in the current rules that do not grant the annual withdrawal right, but allow the right to withdraw the balance from the Fund to be completely withdrawn if they are dismissed without just cause.
How much can I withdraw each year?
The anniversary withdrawal will allow the redemption of 50% of the Fund for those with up to R $ 500 in the account, up to 5% for those with more than R $ 20,000.
Under the new rules, those with a balance of up to R $ 500 can withdraw 50% of the amount in 2020. The percentage will decrease as the amount of money increases. See:
What are the withdrawal dates available?
When choosing the birthday withdrawal, the worker must choose the date on which he wants the amount to be available: the first or tenth day of the month of his birthday.
The difference is that, when choosing the tenth day, the basis for calculating the amount receivable will be increased by interest and the monetary restatement of the month of retirement.
How long will the money be available?
The amounts are available for withdrawal for a period of three months, counted from the first business day of the month of birth. For example: if the anniversary date is March 10, the worker will have from March 1 to the last business day of May to make the withdrawal. If the worker does not withdraw this resource, it is automatically returned to their FGTS account.
Who has an account with Caixa receives it first?
Those who have savings or checking accounts at any bank can apply for a credit account. But in the case of workers who are not Caixa customers, a transfer fee will be charged.
When does the birthday withdrawal start to pay?
The birthday withdrawal will begin to be paid in April 2020 for those born in January and February.
See the calendar:
If I join the birthday retreat, will I lose the right to the fund in case of resignation?
Yes. Adhering to the anniversary withdrawal allows redemption by the FGTS each year, but has the disadvantage of preventing the fund from being withdrawn in the event of wrongful dismissal. Therefore, you need to carefully evaluate whether you want to comply with the new rules.
Delay in unemployment insurance payments due to FGTS withdrawals
Who sticks to the birthday loot has a downside?
The worker who has been with the company for many years and knows he will need this amount in the event of a layoff must think carefully about whether he really wants the birthday retirement. This is because, by making this option, the worker stops rescuing the entire fund if he is fired without just cause.
What if I regret the birthday loot?
It is possible to withdraw at any time from the birthday withdrawal, but once the worker has opted for the birthday withdrawal and then abandons it, they will have to wait two years to be entitled to full withdrawal from the fund in case of resignation. causeless
In the meantime, however, you can continue to make withdrawals from the fund in the anniversary month.
If I do the birthday withdrawal, do I lose the right to the fund to buy my own house?
No
By opting for the birthday withdrawal, the worker will not be able to withdraw the total amount of the account due to the resignation, but is entitled to all other withdrawal modalities, including the withdrawal of the cancellation penalty.
Withdrawals for the purchase of owners, serious illnesses, retirement and other cases provided for in the Law are maintained.
If I join the birthday retreat, do I lose the right to a 40% fine?
Do not lose
If the worker decides to withdraw his birthday, he can withdraw the amount of the severance pay, reports the press office of Caixa Econômica Federal.
The amount of the fine for compensation is calculated based on all the deposits made by the employer in the linked account.
Can I opt for the birthday withdrawal only for inactive accounts and not mess with the active account?
No. The option applies to all active and inactive worker accounts.
If the worker has more than one FGTS account, they can only choose one withdrawal mode for all: withdrawal-withdrawal, which is the currently valid modality, or the anniversary withdrawal. Once the modality has been chosen, all workers’ accounts are subject to the same type of withdrawal.
What is an active FGTS account?
When hired with a formal contract, the worker has an account open at FGTS. The account that is open taking deposits is the active account.
What is an inactive FGTS account?
When the worker quits or is fired from a job for just cause, for example, the FGTS account linked to that job stops receiving deposits and is inactive. If the worker does not qualify for one of the hypotheses of withdrawal from the fund, it will remain in the account until it is possible to withdraw it.
Are the birthday retreat and immediate retirement the same?
No
What is immediate withdrawal?
All workers, who have active or inactive FGTS accounts, can withdraw up to R $ 500 each, limited to the amount of the balance.
To find out the amounts available for withdrawal, the channels of receipt and the credit options of the account, click here.
Will I be able to withdraw my FGTS every year?
Yes. The worker who opted for the birthday withdrawal can withdraw annually, in the month of his birthday and in the following two months, part of the balance of his linked account in FGTS.
Will the money I withdraw from the birthday withdrawal be deducted from my FGTS balance or is it a government bond?
The government is not giving anything, this money is yours, it is available in your FGTS account. What happens is that the government has released the possibility of making annual withdrawals of a part of this fund, to which all workers with an FGTS account are entitled.
If you decide to take the money and then use the fund for retirement or buy your own home, for example, the balance will be whichever is less the amount that was withdrawn with the birthday withdrawal, depending on the number of FGTS accounts that the worker Had available.
How do I check my account balance?
It is possible to verify the balance of FGTS accounts by means of a statement received at home, on the website, by request and in person at Caixa branches.
You must know the PIS / Pasep number or the NIT (Worker’s Identification Number).
Where to find the PIS / Pasep / NIT number:
Your NIS / PIS number can be found:
• on the citizen card;
• in the general notes of your old job card;
• on the identification page of the new job card;
• on your printed FGTS account statement.
To check the balance on the Caixa website, do the following:
Go to www.caixa.gov.br/extrato-fgts.
Enter your NIS number and click “register password”.
Read the regulation and click “I accept”.
Fill in all the fields with your personal data. Here, you will need your voter registration number.
Create a password with up to 8 digits and confirm.
You will receive a registration notification.
To access, fill in the fields and press OK.
How do I check the account balance through the FGTS app?
The worker can consult the FGTS through a mobile application, available for free download on mobile phones of any operating system: Android, iOs and Windows.
It is also necessary to inform the PIS, Pasep or NIT number and have a registered password. Here’s how to do it in the app:
On the home screen, click First Access
Read the agreement and click “Accept”
Enter your NIS number and press “Continue”
Fill out the form and click “Next”
Create a password and press “Register”
What are the other options to withdraw from the FGTS in addition to the new modalities (immediate withdrawal and anniversary withdrawal)?
- After the dismissal, carried out by the employer, without just cause;
- Having remained for three uninterrupted years outside the FGTS regime, the worker can withdraw money from the account in the following situations: – After termination by agreement (as of 11/11/2017 – Law No. 13,467 / 2017 – Labor reform );
- At the end of the contract for a specific period;
- At the end of the contract for the total extinction of the company; suppression of part of its activities; close any of its establishments, branches or agencies; death of the individual employer or declaration of invalidity of the employment contract – article II of art. 37 of the Federal Constitution, when the right to wages is maintained;
- Upon termination of the contract due to reciprocal fault or force majeure;
- In retirement;
- In the case of personal, urgent and serious needs, as a result of a natural disaster provided for in Decree no. 5,113 / 2004, which reached the worker’s area of origin, when the emergency situation or the state of public calamity is recognized, by means of a decree of the Federal Government;
- In suspension of individual work;
- In the death of the worker;
- When the owner of the linked account is 70 years of age or older;
- When the worker or his dependent has the HIV virus;
- When the worker or his dependent is affected by a malignant neoplasm: cancer;
- When the worker or his dependent is in a terminal stage, due to a serious illness;
- When the account remains without deposit for three uninterrupted years whose withdrawal occurred until 07/13/90, inclusive;
- In the amortization, liquidation of the outstanding balance and payment of part of the quotas acquired in the real estate consortium systems;
- For the acquisition of own home, liquidation or amortization of debt or payment of part of the installments of financing of housing;
- In the acquisition of orthoses and / or prostheses not related to the surgical act and included in the Orthosis, Prosthesis and Auxiliary Means of Locomotion – OPM, of the Unified Health System – SUS, to promote accessibility and social inclusion.
Source: R7
Find out what the FGTS digital retreat will look like in 2020
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