The worker can take FGTS money in specific situations provided for by the law; The CLTS credit does not change the withdrawal
What they are sharing: Post states that the government maintains 8% of the worker salary “without authorization”, referring to the FGTS time guarantee fund. To recover this money, it would be necessary to “borrow” the bank, with an interest of 20% per year. The content shares a title on the CLT payroll, launched by the Federal Government.
Estadão controls and concluded that: He is misleading. To have access to the FGT it is not necessary to borrow with banks: there are different withdrawal methods provided by law to receive money from the fund, including dismissal without cause, retirement, serious illness and others (See below). The money filed monthly by the employer in FGT, corresponding to 8% of the salary, belongs to the worker. In the case of the CLT payroll, the employee can use up to 10% of the FGTS balance and 100% of the resolution fine as a loan guarantee. This does not mean that this percentage is “borrowed”.
THE Check He contacted the responsible page of the post, but he didn’t answer.
What is FGTS?
The FGTS FUND (FGTS) is a right of work created on September 13, 1966, with the aim of protecting the worker dismissed without cause. Law no. 8,036 Rule that every month the employers deposit in accounts open to Caixa Federal Econômic on behalf of employees the amount corresponds to 8% of the salary of each worker.
For learning contracts, the legislation provides for a percentage reduced by 2%. In the case of domestic workers, the payment is 11.2%, being 8% which refers to the monthly deposit and 3.2% which refers to the compensation reserve for the loss of work.
The workers governed by CLT, rural, domestic, temporary, single, crops (rural workers who work only during the collection period) and professional athletes have the right to the fund.
FGTS is not a wage discount: the amount deposited belongs to the employee who, in specific situations, can retire.
FGTS sampling methods
Unlike the post analyzed, the FGTS withdrawal can be done in different ways, required by law. There are some cases in which discounts are made in the background due to the anticipation of the retreat. See the options:
Dismissal, without cause, by the employer: in this case, in addition to withdrawing the entire amount, the worker also receives 40% of the issue of termination of the total deposited by the employer; pension; acquisition of your home, regulation or depreciation of parts of housing funding; Contraction by agreement between the worker and employer: the worker can withdraw up to 80% of the available balance, but the payment of resolution is reduced by the employer, but to 20%. Natural peak (retreat); termination of the contract for a specific term; serious diseases; An attached sampling: allows the worker to remove a part of the FGTS balance in his birthday every year. Anyone who chooses the mode cannot withdraw the total balance in the event of dismissal, only the resolution fine; resolution for bankruptcy, death of the individual employer, domestic employer or nullity of the contract; termination of the contract due to mutual fault or force majeure; suspension of the death of the worker; age equal to or over 70 years; Acquisition of orthoses and prostheses; from 14/07/1990; Account connected for three years without FGT deposits for termination contracts until 13/07/1990; Change of legal regime; Residual loot – has a balance of less than $ 80.00;
It is possible to consult the details of all the methods of withdrawal on the Caixa Econômic website and the documents required for the request of the Fund in the cases indicated.
CLT Consignment uses FGT as a guarantee
From March 21, the government has made available a loan option on wages, called workers’ credit program, to workers in the private sector, including national -enterprises contracts (Meis), rural and individual. The system uses up to 10% of the FGTS balance and 100% of the resolution fine in case of dismissal without cause.
The government’s promise is that the interest in the program is lower due to the lowest possibility of default. The payment of the credit contract will be taken for granted directly by the worker salary, with a limit of 35% of the gross income commitment, in addition to the FGT guarantee. The value of the bottom is blocked for withdrawals up to the drop in debt.
In a simulation made by EstadãoBased on a loan request of $ 1,000 paid in 12 installments, the system reported that the total amount charged would be $ 1,208.40, at a rate of 3.04% per month. In total, the credit had an increase in R $ 208, 40 or 20.8% compared to the original value.
CLT delivered with FGTS warranty begins on Friday; Understand how to apply for the loan
How to manage posts such as: The publication analyzed makes a criticism of the FGTS model, but it is wrong to suggest that it is necessary to perform loans to receive the fund. In this case, from research we can consult what are the options available for the booty. THE Check He has already clarified that the Federal Government has not announced a fee as a tax in the sampling of 35% and that FGTs distribute profits only in August; The value is accessible only in an official app or in a Caixa branch.
Source: Terra
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