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FGTS: New group will be able to withdraw on January 2nd; Look
So far, the first information has already been released regarding one of the main values of the FGTS.
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As a new year approaches, there are many expectations regarding the benefits and news that will come. Mainly, with regard to the social and labor sphere. Expectations become even greater in the face of a change of government, where this new administration promises to “loosen” belts and release more money to the population.
So far, the first information has already been released regarding one of the main values: the Severance Indemnity Fund (FGTS). And as everyone knows, not every situation allows for the release of this benefit, deposited in an account for each worker with a formal contract.
However, there is an FGTS modality in 2023, which has a payment schedule available. Therefore, check out all the details below and see how you can benefit from this option, starting in January 2023.
The FGTS in 2023
All workers who have worked with a formal contract for at least 30 days have a Guarantee Fund account. This is a right created to protect workers fired without just cause, due to the opening of an account linked to the employment contract.
At the beginning of each month, employers deposit into accounts opened at Caixa, in the name of employees, the amount corresponding to 8% of each employee's salary. From this, the FGTS is created: it represents the monthly deposits, and the amounts that belong to employees.
And in an X situation, it is possible to withdraw the FGTS. For example: anyone who finances their own property can use the FGTS value as a down payment.
Or even, in case of emergency, such as in a natural disaster, where the government releases part of the balance for withdrawal. All this, not to mention, in cases where the subject receives an unfair dismissal: in these situations, it is possible to withdraw 100% from the amount available in the fund.
However, there is no need to wait for any of the situations mentioned above to get a part of the FGTS: it is possible to join the birthday withdrawal modality, which allows you to withdraw a portion of the FGTS every year.
Birthday withdrawal in 2023
Currently, it is still possible to earn some extra income during the month of birth. This occurs through the FGTS anniversary modality. In short, everyone with this type of account can place the order through the app, Caixa's official website, or at the bank's branches.
The withdrawal value is defined based on a rate, which changes from 5% to 50%, on the sum of all balances in the employee's FGTS accounts, plus an additional portion. Below, check out the table, according to Caixa:
| Balance range limit | Aliquot | Additional Installment |
|---|---|---|
| Up to R$ 500.00 | 50,0% | R$ 0.00 |
| From R$ 500.01 to R$ 1,000.00 | 40,0% | R$ 50.00 |
| From R$ 1,000.01 to R$ 5,000.00 | 30,0% | R$ 150.00 |
| From R$ 5,000.01 to R$ 10,000.00 | 20,0% | R$ 650.00 |
| From R$ 10,000.01 to R$ 15,000.00 | 15,0% | R$ 1,150.00 |
| From R$ 15,000.01 to R$ 20,000.00 | 10,0% | R$ 1,900.00 |
| Above R$ 20,000.01 | 5,0% | R$ 2,900.00 |
Therefore, you cannot withdraw the full benefit amount. Deposits are partial and change depending on the amount the worker has in their account.
Furthermore, anyone who enters this modality does not have the right to withdraw from the fund in the event of unfair dismissal. In this situation, it is possible to withdraw only the 40% fine. Meanwhile, the rest of the fund is blocked.
After knowing how the FGTS birthday withdrawal works, it is important to check the benefit withdrawal schedule. Below, check the dates:
| Born | Period in which withdrawals are available |
| January | Withdrawals available between January 2nd and March 31st, 2023 |
| February | Withdrawals available between February 1st and April 29th, 2023 |
| March | Withdrawals available between March 1st and May 31st, 2023 |
| April | Withdrawals available between April 3 and June 30, 2023 |
| May | Withdrawals available between May 1st and July 31st, 2023 |
| June | Withdrawals available between June 1st and August 31st, 2023 |
| July | Withdrawals available between July 3rd and September 29th, 2023 |
| August | Withdrawals available between August 1st and October 31st, 2023 |
| September | Withdrawals available between September 1st and November 30th, 2023 |
| October | Withdrawals available between October 2nd and December 29th, 2023 |
| November | Withdrawals available between November 1, 2023 and January 31, 2024 |
| December | Withdrawals available between December 1, 2023 and February 29, 2024 |
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About the author / Tiago Menger
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