All the way to receive your FGTS in part or in full

The main points

  • The main FGTS withdrawal model is due to unfair dismissal;
  • The benefit may be fully and partially withdrawn according to each case;
  • The worker must meet the criteria and present all necessary documentation for each withdrawal model.

The Dissolution Relief Fund (FGTS) One of the major benefits that formal workers are entitled to. It was created in 1996 by Law No. 5,107, which aims to support employees who are laid off for no reason.

All the way to receive your FGTS in part or in full
All the way to receive your FGTS in part or in full. (Photo: Agência Brasil)

In practice, the FGTS This is a kind of savings that is made monthly by the 8% rate, which is directly deducted from the total salary of the worker.

The employer is responsible for this collection and they must deposit the amount opened in the account Federal Savings Bank (CEF) Holds by the employee until the 7th of each month.

Who is eligible to receive FGTS?

The FGTS It is the exclusive right of formal workers with a formal contract governed by the Consolidation of Labor Laws (CLT). They may be rural workers, including Safrose, hired on a temporary and interim basis, freelancers, non-employee directors, domestic servants and professional athletes.

Full and Partial Withdrawal Procedures of FGTS

There are more than one way to withdraw FGTS, Some allow full and partial withdrawal. Explore each of them below!

Fired for just cause

This is the most famous model for total removal FGTS. This proves the purpose of saving for a worker who was laid off from work for no reason.

The rule is simple, as soon as the contract is signed, the worker receives the protocol. FGTS With the key to be used to retrieve the benefit. In the case of mere reason, the worker is still entitled to a 40% penalty on the balance in the active account.

Purchase of own residence

This is one of the models that workers often resort to. This is because Caixa Econômica gives the worker the opportunity to use balance FGTS To repay a real estate or real estate loan.

Usually this process is mediated by the construction company responsible for the works, but the final step is completed by the kaiksa itself. The worker still has the option to choose to use the total balance of the guarantee fund or just a fraction, although they usually opt for a full investment.


Complete Withdrawal FGTS Retirees need to contribute to the National Social Security Organization (INSS) regularly, not just the minimum age to get this right. It is worth mentioning that there are two rules for this withdrawal pattern.

The first is aimed at workers who already have the right to retire, but have decided to work in the same company. These people can make monthly and partial withdrawals of the total amount deposited in the Guarantee Fund. On the other hand, if a worker changes employment after retirement, the FGTS They will be detained for no reason.

To retrieve FGTSRetirees must go to the federal branch of Caixa Econômica and present the following registrations:

  • Retirement sanction letter issued by INSS;
  • Official photo identification document (RG or CNH, for example);
  • CTPS (Work and Social Security Card);
  • Termination of employment contract, if any.

Serious illness

Full withdrawal due to a serious illness can be performed by both the worker himself and his dependents. But in the case of dependents, they must be properly empowered to perform the procedure. Awara:

  • Spouse or spouse of a worker;
  • Children and feces of children under 21 or 24 years of age;
  • Dependents properly identified by Social Security;
  • Dependents mentioned in income tax return.

In view of Law No. 8036 of 1990, Withdrawal FGTS Disease can be managed if the following diagnoses are confirmed: cancer (malignant neoplasm); HIV / AIDS; Terminal stage due to serious illness. After completing this step, all you have to do is submit the following documents:

  • Marriage certificate;
  • Birth certificate;
  • The declaration of a stable union;
  • Proof of coexistence with others.

Worker death

When a worker dies, direct dependents have the right to withdraw the benefit. The order of precedence is the same as that stated above, the following documents should be presented:

  • Official identification document with drawer and photo of dead worker
  • Number of deceased PIS, Pasep, NIS or NIT
  • Work Book of the deceased person
  • Declaration of eligible dependents to receive a pension provided by an official social security agency or court order indicating the heirs of deceased workers
  • Minor Dependents Birth Certificate or Identity Card and CPF to Open Savings
  • If the deceased is an unemployed director, the dependents must also present certified copies of the election, any updates and minutes of meetings proving the end of the order.
All the way to receive your FGTS in part or in full
All the way to receive your FGTS in part or in full. (Photo: Reproduction / Diario do Nordeste)

FGTS Anniversary Withdrawal

Birthday Loot FGTS One of the last methods created by Caixa Econômica. This allows the worker to withdraw up to 50% of the balance in active and inactive accounts under the respective ownership. Withdrawals should always be made on the birthday of the citizen.

Recall that this method removes the right to withdraw workers, even if the worker is dismissed for no reason.

This option can be selected through the following channels:

The percentage of FGTS anniversary withdrawals is gradual according to the current account balance. Look!

Limit of Balance Range Alicot Extra episode
Up to BRL 500 50%
From BRL 500.01 to BRL 1 thousand 40% BRL 50
BRL 1,000.01 to BRL 5 thousand 30% BRL 150
BRL 5,000.01 to BRL 10 thousand 20% BRL 650
BRL 10,000.01 to BRL 15 thousand 15% BRL 1,150
BRL 15,000.01 to BRL 20 thousand 10% BRL 1,900
BRL is over 20,000.01 5% BRL 2,900

Laura Alvarenga

Laura Alvarenga holds a bachelor’s degree in journalism from the Centro Universitario do Triangulo in Uberlandia – MG. She began her career in communications consulting, worked for a few years in small local print magazines and is now committed to a career in online journalism through the FDR portal, where she researches and produces economics, social rights and content. Finance.

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