The full FGTS can be withdrawn even if you left in 2019: see the rules

The full FGTS can be deleted even if you leave your post in 2019: see the rules. The project (PLS 392/2016) was on the agenda of several sessions, but was not appreciated.

The withdrawal of the FGTS for a redundant worker was to be approved in 2019. The senators rose and left for the next year a much-anticipated discussion of many workers: the liberation of the looting. of FGTS (Service Guarantee Fund) to which the company is licensed

Currently, only the FGTS is entitled to dismiss any person returned without just cause. Fund funds are also unlocked in specific cases, such as the purchase of a property, retirement, business closure or a critical illness.

The project is still going to the House; The President can veto it

when it is approved by the Senate, the bill still needs to be pbaded by the House of Representatives. If the members approve the text without modification, it is sent to the President of the Republic, who can sanction it or not. If the House changes, the text is sent back to the Senate for consideration.

If the bill is sanctioned, it comes into force in the form of a law, with a date to be defined.

Although it has been approved by the Senate and the House, it is not certain that the bill will be sanctioned by the President. In early 2018, Nelson Antonio de Souza, current president of the Federal Savings Bank, declared against the proposal, saying it would affect the mortgage, which uses FGTS funds to finance the purchase of houses.

Senator: the worker "is the real owner of money"

By the author of Senator Rose de Freitas (Podemos-ES), PLS 392/2016 plans to amend the legislation to to allow the complete withdrawal of the FGTS balance for those who request it. dismissal. The bill was approved by the Senate Committee on Social Affairs in April 2018.

The senator argued that the government should stop protecting the worker, who is the true owner of the Money and must decide where and how to apply what belongs to it.

"The time has come to understand that the worker wants to put an end to the misconception that he should be protected by the state.Nobody knows better what to do with their resources than their owner who is the rightful owner of this money. "

The parliamentarian denied the risk that many of them give up accessing the money from the FGTS. For her, especially in times of economic crisis, few people risk leaving their jobs in exchange for the entire fund.

In addition, the author of the bill stated that the worker often resigned because of poor working conditions, salary delays, desire to seek new challenges, need for medical care or openness to work. 'a company.

"Even the intention to renovate and expand your home is a very valid justification for using FGTS.I emphasize this point: the worker does not have to justify his decision because the money belongs to him, "he said.

The FGTS gives less than inflation

If the project is approved, the worker can recover his money after his resignation According to Renato Follador, a specialist in social security and personal finance, he is able to extract the value as soon as possible.

"Today, the profitability of FGTS is TR [Taxa Referencial] plus 3%, which does not inflation, "said the expert in an interview with UOL ." That means every day that the worker leaves his money there, he loses money. "

With change, the worker who resigns can trade that money and invest in applications offering higher profitability, suggests the specialist, such as a private pension or even a savings account.