THE Severance Pay Guarantee Fund (FGTS) is an essential financial tool for Brazilian workers.
It offers security in times of need, functioning as a reserve for unforeseen events.
Understand how to consult and withdraw your FGTS in a practical way, in addition to learning about the different modalities available.
What is the FGTS and What is its Purpose?
The FGTS was created to protect workers who are unfairly dismissed. This benefit consists of a fund replenished monthly by the employer, who deposits the equivalent of 8% of the employee's salary.
Its main objective is to ensure that the worker has a financial base in unexpected situations, promoting greater stability in the job market and social security.
FGTS Withdrawal Methods
The FGTS has different withdrawal options, each designed to meet specific needs:
Withdrawal Termination
Carried out in cases of unfair dismissal, it allows the worker to withdraw the entire balance available in the fund.
Anniversary Withdrawal
It gives the worker the possibility of withdrawing a portion of the balance annually, in the month of his/her birthday. However, when opting for this option, the full withdrawal in the event of dismissal without just cause will not be permitted.
Extraordinary Withdrawal
Available in exceptional situations, such as public calamities, serious illnesses or other emergencies defined by the government.
Each modality has different advantages, and the choice must be made considering the worker's needs.
FIND OUT HOW TO CHECK YOUR FGTS HERE!Advantages of FGTS
The FGTS is one of the main labor rights in Brazil, with significant benefits, such as:
- Financial Security: It works as a reserve to deal with unforeseen events, whether in cases of dismissal or emergencies.
- Flexibility: It offers options such as Anniversary Withdrawal, allowing annual access to the balance.
- Social Achievement: It guarantees protection against arbitrary dismissals, promoting greater stability.
Furthermore, the FGTS can be used for housing financing, health treatments and even educational projects, increasing its versatility.
How to Consult and Withdraw FGTS?
Checking and withdrawing your FGTS is a simple process and can be done online or in person. Check out how:
Online Consultation
- Download the app FGTS, available for Android and iOS.
- Log in with your credentials.
- Check your available balance directly on the platform.
In-Person Withdrawal
- Go to a branch of Federal Savings Bank.
- Bring documents such as your ID, CPF and work card.
- Request information about the desired withdrawal method.
Choice of Modality
Analyze the available options (Termination Withdrawal, Anniversary Withdrawal or Extraordinary Withdrawal) and select the one that best meets your needs.
Why Take Advantage of the FGTS?
More than a financial reserve, the FGTS is a tool that offers stability and freedom to workers. It can be used to:
- Pay off debts.
- Invest in personal or professional projects.
- Ensure greater protection in emergency situations.
Checking your balance and planning how to use your FGTS strategically can make all the difference in your financial planning.
Secure access to your benefit now and make the most of it!
FIND OUT EVERYTHING ABOUT YOUR FGTS AND CHECK YOUR BENEFIT
