Will the FGTS birthday retreat change?

Already in the first week of 2023, the new Minister of Labor, Luiz Marinho, made several statements on the anniversary withdrawal of the FGTS. That is the TFR, which assists workers at the time of dismissal without just cause.

According to the minister, then, it would be possible that the possibility of withdrawing the amount in the month of the worker’s birthday would cease to exist. However, Luiz Marinho released a new statement on January 5, indicating that there will be a broad debate on the matter.

See also: Get to know FGTS Futuro. New benefit for workers to buy their own property

In this way, we see the possibility of changes in this type of FGTS withdrawal for the coming months or years, in the current management.

The minister defends the protection of workers

According to Luiz Marinho, the possible modification of the FGTS birthday retreat has the objective of protecting the worker.

In this sense, the minister recalled the withdrawal function of the FGTS.

“The FGTS has 2 goals, historically. One of them is to encourage an investment fund, which is for housing,” she said. In this case, for example, the discussion concerns the payment of the financing of the house with the benefit.

“Another objective is the savings of the shareholder, of the worker, to help in the moment of anguish of unemployment”, concluded the minister.

Then, he explained why he understands that anniversary retirement can skew these functions.

“When he is encouraged, like this irresponsible and criminal of this government that is finished, to withdraw on every birthday, when the citizen needs it, he is not there,” he defended.

Thus, for the current Labor Minister, the new analysis on FGT’s birthday retreat will aim to protect workers. That is, to ensure that the fund performs its function of providing citizens with insurance.

The president of FGTS talks about modalities

In addition to the minister Luiz Marinho, the president of the Institute of the Workers’ Guarantee Fund, Mario Avelino, commented on the anniversary withdrawal.

According to him, then, in accordance with the minister’s position, it is the worker who loses the most with this type of levy.

That is, since many end up withdrawing the value without actually needing it. Thus, when there is a real need, i.e. in the event of a layoff or for the purchase of a property, for example, there is no longer any possibility of withdrawing money. Also, your fund balance is also lower for future moments.

In this sense, Mario Avelino also indicated that there are more advantageous ways to use the fund’s values. For example, he recalls the looting amounts of 2021. According to the president, therefore, a total of R $ 119 billion was looted that year for various reasons.

Thus, there has been an investment of R $ 65 billion in housing, basic sanitation and infrastructure.

“In 2021 alone, almost BRL 185 billion was invested in the market, and this moves the construction industry, moves trade, generates more jobs. So there would be no need for the annual withdrawal,” he defended.

Benefits of birthday retreat

Despite the criticisms of the anniversary withdrawal, the president of the Workers’ Guarantee Fund also lists some positive points of the provision.

According to him, therefore, it is necessary to remember that these are values ​​that are intended for workers. In this sense, there was R$ 33 billion in the last 3 years.

“Last year alone, R$12 billion was withdrawn. This money helps move the economy, because people are consuming more,” she commented.

See also: Unemployment insurance can have 8 installments

Plus the value also helps in the moments of charge.

“Instead of paying absurd interest to the banks, while the Fundo de Garantia makes only 5% per annum, the worker ends up getting rid of a debt,” declared the president of the institute.

Negative points

Although with some advantages for the worker and for the economy, according to Mario Avelino there are also many negative points in the birthday retreat

“In recent years many have used the birthday retreat without real need, using the money as a sort of 14th salary. Tomorrow the worker will be fired and will only be able to collect the fine, because the balance of the fund can only be withdrawn if the withdrawal-dismissal method changes. But for that, there’s a two-year grace period. He will wait two years to withdraw that money ”, he defended himself.

In addition, the worker also ends up losing the annual distribution of the fund’s profits. That is, since this calculation is based on the previous year’s balance.

“As he has made withdrawals, he will have less money to make in profit distribution,” he recalled.

For these reasons, the re-evaluation of this type of FGTS withdrawal will be one of the agendas of the new management.

How does birthday pickup work?

First, it is important to mention that birthday withdrawal is a way of withdrawing amounts from the FGTS. In this case, therefore, the withdrawal takes place in the month of the worker’s birthday.

However, it is important to pay attention to the official calendar, which can be covered up to two months after the first working day of the anniversary date.

Therefore, those who wish to opt for this mode can do so in the Caixa Econômica application.

Also, it should be noted that everyone has a withdrawal limit, as follows:

  • Up to 50% off for those with a balance of up to BRL 500.
  • 40% for balance between BRL 500.01 and BRL 1,000.
  • 30% for balance from R $ 1,000.01 to 5,000.
  • 20% from BRL 5,000.01 to 10,000.
  • 15% from BRL 10,000.01 to 15,000.
  • 10% from BRL 15,000.01 to BRL 20,000
  • 5% for balances over BRL 20,000.

See also: The project wants to enable the use of FGTS for the purchase of vehicles

So for the year 2023, the calendar will look like this:

  • January 2 to March 31, 2023: Get January birthdays.
  • From 1 February to 28 April 2023: it’s the turn of those born in February.
  • March 1 to May 31, 2023: March birthdays can be received.
  • April 3 to June 30, 2023: April birthdays can be removed.
  • May 2 to July 31, 2023: Welcome those born in May.
  • From June 1st to August 31st 2023: June birthdays.
  • From 3 July to 29 September 2023: July birthdays.
  • From August 1st to October 31st 2023: August birthdays.
  • From 1 September to 30 November 2023: September birthdays.
  • From October 2nd to December 29th 2023: October birthdays.
  • November 1, 2023 to January 31, 2024: November birthdays.
  • From December 1, 2023 to February 29, 2024: December birthdays.

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