The government is planning changes to the FGTS, which will benefit millions of workers. The measures include ending the blockade and new credit options. Learn more about this proposal.
The Minister of Labor and Employment, Luiz Mariño, recently defended End of FGTS balance ban after 2 years For workers who choose to opt out of Christmas. The measure, which still needs to be approved, could benefit more than 8 million workers, representing a major change in the use of the fund.
Christmas withdrawal allows the worker to withdraw a portion of FGTS Annually in the Month of Your BirthdayHowever, this method has limitations: The remaining balance is frozen for two years.In the event of dismissal during this period, the worker only receives a 40% termination penalty, without reaching the full FGTS amount.
What will change on the anniversary of the FGTS withdrawal?
Marinho considers this rule “harsh” towards workers, as And deprives them of an important amount in difficult timessuch as job loss. He advocates using FGTS as a real protection, especially in cases of need.
In addition to lifting the siege, a Credit limit allocated under FGTSThe aim is to provide lower and more affordable interest rates to workers, using the fund balance as collateral.
This measure aims to expand credit options for this segment of the population, on fairer and more beneficial terms.
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What is FGTS?
Established in 1966, FGTS is an employment benefit designed to protect workers who have been dismissed without just cause..
Each employer must deposit 8% of the employee's salary each month into an account linked to the employment contract. These amounts are kept in individual accounts at Caixa Econômica Federal.
Workers can use FGTS resources on several occasions, including:
- Expulsion without good cause
- the retirement
- Own your own home
- Treatment of serious diseases such as cancer or AIDS
These rules ensure that the worker has access to the fund in times of dire need, providing a financial safety net.
Why does this change need to happen?
Defending the End of the FGTS Siege After Joining the Christmas Withdrawal Reflects concern for workers' financial securityIn a scenario of economic uncertainty, access to these resources can be critical for many households.
Minister Luiz Marinho highlights that the current restriction is a form of punishment for those who choose to withdraw from Christmas. By releasing the balance without hindrance, the government intends to Increase the flexibility and utility of FGTSMaking it a more effective tool for social protection.
Furthermore, the proposal to create a payroll credit line based on the FGTS balance could provide a more accessible and less expensive credit alternative for workers.
This procedure can contribute to: Debt reduction Providing better financial conditions for those facing difficulties.
what are you expecting?
The proposal to change the FGTS withdrawal anniversary is being carefully assessed by the Government.
If approved, It could change the way workers use the box.and increased access to resources and flexibility.
The debate on this issue also raises discussions about The nature of FGTS as a social protection tool.
By looking for alternatives that directly benefit workers, the government demonstrates its commitment to the well-being and financial security of the population.
Although the measure still needs to be approved, the advocacy of ending the FGTS balance ban after joining the Christmas withdrawal is an important step towards improving Protecting workers and their access to their resources.
The creation of a salary credit line within the FGTS also promises to be a useful solution, as it provides better credit conditions for Brazilian workers.
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