Advertisements
But after all, how do I know if I have FGTS to receive? Find out everything about how it works and how to check this benefit!
In advance, the FGTS This is a guarantee for workers with formal employment contracts.
Therefore, this group has “support” in cases of unfair dismissal, natural disasters, cancer, among others…
Years come and go and the Government always releases some withdrawals to stimulate the economy.
As happened during Michel Temer's term in 2017 and in 2020 due to the Coronavirus Pandemic.
As politics evolves and the population's needs change, since 2020 there has been a new option, where the beneficiary can receive part of the money in the month of their birthday every year.
Want to know if you qualify? 😉So continue reading and find out all the details about:
- How do I know if I have FGTS to receive?
- What is FGTS and who is entitled to it?
- How does FGTS income work?
- How does digital withdrawal work?
- How does the anniversary withdrawal work?
How do I know if I have FGTS to receive? The first step is to check your CPF!
First of all, if you are unsure about “how to know if I have FGTS to receive”, the first step is to check your CPF.
Since 2020, all workers have the right to withdraw a certain percentage of the fund, even without terminating their employment contract.
So, first you need to check your CPF.
Currently, it can be done in two ways, without leaving home: by the website or through the application on the smartphone.
Easy, right? We'll teach you the step-by-step process needed to carry out this procedure!
How do I know if I have FGTS to receive through the website?
First of all, to check your FGTS on the website, it is important that you have your PIS number on hand. It is usually registered on the last page of your work card.
It is also possible to make a query on the internet, through CNIS (National Social Information Registry).
First, access the website from the Government body, click on the “citizen” tab and then on “Registration”.
After that, just select the “affiliate” option and enter your details.
Wait a moment, because at the end you will receive the NIT number, which is the PIS number!
Another option to find out your PIS number is through your citizen card or at a Caixa branch.
So, with the number in hand, access the FGTS website and inform your PIS, then just register a password and accept the terms.
Then, enter your personal data and wait for notification “registration completed”.
After this procedure, log in with your PIS number and look for the “statement” option.
In the tab you will find all the amounts deposited in your account and respective information about the transactions made.
How do I know if I have FGTS to receive through the App?
Currently, FGTS has an exclusive APP, available for Android and IOS.
All access and procedures are completely free.
Therefore, to make the query, the first step is download and then accept the terms of the contract.
Then, on the home screen to register, enter your NIS number and select the “continue” button. Enter your personal details, such as CPF, email and click “next”.
After logging in, the user has access to the balance in the app and can also choose between the “anniversary withdrawal” or “termination withdrawal” option.
Another advantage is the possibility of registering a bank account to make withdrawals without having to go to a branch.
In addition to having the flexibility to authorize banks to consult your balance to make the advance in the form of loan!
Speaking of which, maybe this content might also interest you. ⤵️⤵️⤵️
Read also: “Advance payment of the thirteenth salary, what is it and how does it work?”
Other ways to know if I have FGTS to receive
In addition to checking via the website and app, there are also other ways to find out your FGTS balance.
One of them is the message service, where every month the beneficiary receives a text message on their cell phone informing them of the balance in their account.
The second way to find out about the FGTS is through updates sent by mail.
If you are not a digital person, this option may be interesting for your profile.
In this way, every two months, the user receives a letter with the FGTS statement.
To join this option, simply provide your address at the nearest agency.
Or call 0800 726 0101.
What is FGTS and who is entitled to it?
In short, the FGTS is a fund created to protect workers in cases of dismissal for cause, as well as other misfortunes, such as natural disasters, terminal illnesses, and others.
Therefore, every month employers are required to deposit 8% of the employee's salary into a dedicated account.
Which has belonged to Caixa Econômica Federal for over 30 years.
But what then? Who has the right?
In advance, all employees with a formal employment contract under the CLT regime are entitled to receive the FGTS deposit in their account.
In fact, the benefits also extend to domestic, temporary and rural employees.
So, if you fall into this situation, it's a good idea to check your balance, and if you want to arrange a part of the fund's withdrawal in the month of your birthday!
How does FGTS income work?
In short, the distribution of results is a measure aimed at increasing the profitability of the worker's balance.
Profit is distributed proportionally to the amount available in the account.
Apart from that, the fund money is added together with a fee of 3% per year.
How does digital withdrawal work?
In principle, digital withdrawal is a way to withdraw your FGTS more easily, without having to wait hours at a Caixa branch.
Through the application, the user can register a current account under the same ownership.
Therefore, on the redemption date, as happens with those who opt for the anniversary withdrawal, the money is transferred automatically.
All this digitally, securely and without any bureaucracy!
How does the FGTS anniversary withdrawal work?
In fact, the FGTS anniversary withdrawal is a new modality, present since 2020.
Thus, the worker can withdraw a certain amount annually in the month of his/her birthday.
However, adherence to this process is not mandatory and if you prefer to receive your balance only when your employment contract is terminated, this is also possible.
But if you want to make the withdrawal annually, you can join the system either through the Caixa website and App, or through Internet Banking or at a nearby branch.
How do withdrawal amounts work?
Well, if you opt for the anniversary withdrawal, you won't receive the entire balance in one day.
But yes, a certain percentage that follows the following rules:
| Account balance | Aliquot | Additional Installment |
| Up to R$500.00 | 50% | – |
| R$500.01 to R$1,000.00 | 40% | R$50.00 |
| R$1,000.01 to R$5,000.00 | 30% | R$150.00 |
| R$5,000.01 to R$10,000.00 | 20% | R$650.00 |
| R$10,000.01 to R$15,000.00 | 15% | R$1,150.00 |
| R$15,000.01 to R$20,000.00 | 10% | R$1,900.00 |
| Above 20,000.01 | 5% | R$2.900,00 |
Conclusion
In conclusion, with regard to all the information presented, if you fall into the group of people who are entitled to FGTS, it is worth checking your balance.
And, depending on your financial situation, the anniversary withdrawal option is the best option. Every year you receive extra money that can be a relief.
In addition, it is possible to advance your balance in the form of a loan. Banks such as PAN, Caixa and Banco do Brasil already work with this release.
Did you like the subject? Then spread your knowledge, share this content on social media and with people who need a little extra help. Take the opportunity to read other content from Cred Consultation blog!😉
