Workers who have a signed work card are entitled to the Severance Time Guarantee Fund. Service (FGTS) that can be withdrawn under specific conditions, such as the purchase of a home or retirement.
During the period in which it is not withdrawn by the worker, it is deposited in your Caixa account Federal Economy, whose income is below savings and can be used in housing programs, for example.
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Employers must make the deposit into accounts opened at Caixa, by the 7th of each month, on behalf of their employees, the amount corresponding to 8% of the salary. If the date does not fall on a business day, the collection must be brought forward to the previous business day, and if the employer deposits after the due date, it must do so with interest and monetary correction.
When dealing with apprenticeship work contracts, the percentage drops to 2%. If you are a domestic worker, the payment corresponds to 11.2%, with 8% as a monthly deposit and 3.2% as an advance on the termination payment.
The FGTS is paid on wages, allowances, additions, tips, prior notice, commissions and 13th salary. As it is an exclusive obligation of the employer, the FGTS is not deducted from the worker's salary.
There are numerous ways to track deposits and total account balance, including SMS.
Another way to receive the FGTS statement is at home, every two months. Workers can provide their address on the website or at a Caixa branch.
The balance can be consulted in person, on the Caixa website or through the FGTS application.
If you access the Caixa website, you must inform the NIS (PIS/Pasep) and use a password registered by the worker himself. The Citizen Password can also be used. The page offers the option to recover the password, but it is necessary to inform the NIS.
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