The annual withdrawal calendar of the Social Workers' Security Fund (FGTS) for 2024 has already been released by the Caixa Econômica Federal. People born in January can now withdraw from the second day, and this method, which has been in place since 2020, allows the worker to withdraw part of the balance from active and inactive FGTS accounts every year, in the month of his birth. The negative point is that if a person is fired without a valid reason, he will only be able to get a termination penalty and will not be able to withdraw the amount deposited by the company.
How to join the Christmas draw?
Commitment to the Christmas withdrawal is optional and can be carried out via the FGTS website or app, at Caixa Econômica Federal branches or via online banking. For those who want to access the funds this year, membership must be completed by the last month of their birthday. Those who exceed this deadline will only be able to receive the premium next year.
What is the deadline for making a withdrawal?
The amounts available for withdrawal are released until the last day of the second month following the anniversary. If the funds are not withdrawn within this period, they return to the account, without causing any losses to the worker.
How do FGTS methods work?
Those who do not opt out for Christmas will be in the standard position, which is to terminate the withdrawal. This method allows the employee to make a full withdrawal from the FGTS account, including the termination penalty, in cases of unfair dismissal, retirement, serious illness or when purchasing real estate. Despite the obligation to withdraw the termination, it is possible to return to the standard method, however, when returning to the withdrawal of termination, the worker will have to wait for two years without being able to withdraw the balance from the FGTS account, and can only access the termination penalty.
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Changes planned for 2024
The Minister of Labor and Employment, Luiz Marinho, announced that he intends to launch the lump-sum withdrawal in cases of dismissal, regardless of whether the worker has joined the Christmas withdrawal or not, in 2024. However, the government is already anticipating resistance in Congress in due course. To process the bill. The assessment is that representatives and senators will resist changing or repealing a rule they themselves agreed to.
What is the withdrawal schedule for 2024?
- January births – Withdrawals from January 2 to March 29
- Born in February – Withdrawals from February 1 to April 30
- Those born in March – withdrawals from March 1 to May 31
- April births – Withdrawals from April 1 to June 28
- Born in May – Withdrawals from May 2 to July 31
- Those born in June – withdrawals from June 3 to August 30
- Born in July – Withdrawals from July 1 to September 30
- Born in August – Withdrawals from August 1 to October 31
- September born – Withdrawals from September 2 to November 30
- Born in October – Withdrawals from October 1 to December 29
- November births – Withdrawals from November 1 to January 31, 2025
- December births – Withdrawals from December 2 to February 28, 2025
How to calculate the value of the Christmas draw?
The amount available for withdrawal depends on the balance of each FGTS account. For amounts up to R$ 500, it is possible to withdraw 50% of the total. Hence, the percentage decreases, but there is an additional fixed installment that increases according to the balance.
- Up to R$500 – 50% + R$0
- From R$500.01 to R$1,000 – 40% + R$50
- From R$1,000.01 to R$5,000 – 30% + R$150
- From R$5,000.01 to R$10,000 – 20% + R$650
- From R$10,000.01 to R$15,000 – 15%+ R$1,150
- From R$15,000.01 to R$20,000 – 10% + R$1,900
- More than R$20,000.01 – 5% + R$2,900
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