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Even those who resign may proceed with the complete withdrawal of the FGTS. The project (PLS 392/2016) was on the agenda for several sessions but has never been appreciated.
The withdrawal of the FGTS for a redundant worker was to be approved in 2019. Senators went on vacation and left for next year a long-awaited discussion among many workers: the liberation of looting. from FGTS to whom he requests the dismissal of the company
For the moment, only the FGTS is dismissed and dismissed without just cause. The fund's resources are also released in specific cases, such as the purchase of a property, in case of retirement, business closure or 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 makes any amendments, the text is again sent to the Senate for consideration.
If the project 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, said he was against the proposal, saying it would affect the home loan, 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 intends to amend the legislation to allow 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 having access to the FGTS money. For her, especially in times of economic crisis, few would 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 treatment or of creating a business.
"Even the intention to reform and expand your home is a fully valid justification for the use of FGTS."
FGTS Returns Less Than Inflation
If the project is approved, the worker can repay his money as soon as he resigns. "According to Renato Follador, a specialist in social security and personal finance, the value of the proposal is high.
" Today, the FGTS profitability is TR [Taxa Referencial] plus 3%, which does not inflation, "said the expert in an interview with UOL ." That means that every day that the worker leaves his money there, he loses money. "
With the change, the worker who resigns can buy back this money and invest in applications offering higher profitability, suggests the specialist, as a private pension or even a savings account.
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