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Starting this Monday, certain citizens have the possibility of withdrawing more than R$ 2,900. Check whether you qualify for this benefit!
Since 2019, Caixa Econômica Federal has enabled workers to make a withdrawal exceeding R$ 2,900. In July, a specific group of people gains the right to make this withdrawal.
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This happens because the birthday withdrawal allows people, in the month of their birthday, to withdraw part of the funds held in the FGTS. However, there are some particularities to this option.
Since its implementation, CLT workers have withdrawn more than R$ 33 billion from the Severance Indemnity Fund, where their employers deposit a percentage of their salaries every month.
How to withdraw more than R$ 2,900?
The birthday withdrawal, also known as the annual withdrawal, allows you to withdraw part of the FGTS funds. Depending on the worker's balance, this amount can range from 5% to 50%. The higher the balance, the lower the percentage of the annual withdrawal.
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In addition, the withdrawal includes an additional amount. If the worker has R$500 in the account, the rate is 50%, but there is no additional amount. For those with more than R$20,000, the rate is 5%, guaranteeing a withdrawal exceeding R$2,900, which represents the additional amount.
Can I receive the birthday withdrawal and severance withdrawal?
If the worker is dismissed, it is crucial to understand that, in the event of dismissal without just cause, they may request the full withdrawal from the account, including the severance fine. However, if they choose the birthday withdrawal, the amount withdrawn corresponds only to the fine.
After opting for the annual withdrawal, it is only after the 25th month from the date the request to return was made that it is possible to return to the severance withdrawal model.
- For example, if you choose the annual withdrawal of more than R$2,900 in June 2023 and decide to return to the severance withdrawal system in August, the following will occur:
- You will make the annual withdrawal in June 2024 and June 2025;
- The severance withdrawal option will begin to apply from September 2025.
Calendars for upcoming withdrawals
For those who wish to withdraw more than R$2,900, the calendar now covers only those born from July to December. See:
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