13th salary RELEASED in February? Understand payment

The Christmas bonus, or 13th salary, is already being released to Brazilian workers who meet the criteria. Find out everything about the line of credit.

The 13th salary, also known as Christmas bonus, is a mandatory benefit paid to workers with a formal contract in Brazil. Furthermore, INSS retirees and pensioners can also count on the installment.

It consists of an extra salary, equivalent to 1/12 (one twelfth) of the worker’s remuneration for each month worked. Few people know, but there are banks that offer advance payments on your 13th salary.

Find out who can receive the 13th salary – Credit: @jeanedeoliveirafotografia / pronatec.pro.br

Who is entitled to the 13th salary?

The benefit is paid in two installments:

1st installment: paid by November 30th; 2nd installment: paid by December 20th.

See who is eligible.

All workers with a formal contract, including domestic and temporary workers; Workers who were fired without just cause; Retirees and INSS pensioners; Employees who took maternity leave or paternity leave; Employees who died during the year.

How to calculate?

To calculate the value of the 13th salary, simply divide the worker’s gross salary by 12 and multiply by the number of months worked in the year.

INSS retirees and pensioners

INSS retirees and pensioners are also entitled to their 13th salary, which is paid in a single installment until December 20th.

The value of the 13th salary of retirees and pensioners is calculated based on the value of the benefit received in December.

Salary Allowance

Workers who are not entitled to the 13th salary because they do not have a formal contract can receive the Abono Salarial, also known as the 13th salary for low-income workers.

To be entitled to the Salary Allowance, the worker must:

Be registered with PIS for at least five years; Have received, on average, up to two minimum wages per month in the previous year; Have carried out paid work for at least 30 days in the previous year.

The value of the Salary Allowance varies according to the worker’s length of service.

Caixa anticipates Christmas bonus

Caixa Econômica Federal offers its customers the option of anticipating their 13th salary as a payroll loan.

This type of credit allows the worker to receive the value of the 13th salary before the official payment date, upon payment of interest.

Benefits:

Early access to money: The worker can have access to money from the 13th salary before the official payment date, which can be useful to cover emergency expenses or make planned purchases. Competitive interest rates: Caixa offers competitive interest rates for the payroll loan from the 13th salary, which may be a more advantageous option than other types of credit. Direct deduction from the payroll: The installments of the payroll loan from the 13th salary are deducted directly from the worker’s payroll, which facilitates the payment and avoids the risk of default.

Disadvantages:

Payment of interest: The 13th salary loan involves the payment of interest, which means that the total amount to be paid will be higher than the amount received in advance. Risk of debt: It is important that the worker assesses their ability to pay before requesting the 13th salary loan, to avoid the risk of debt. Credit limit: The value of the 13th salary loan is subject to Caixa’s credit analysis, and the maximum amount may vary according to the income and profile of the employee. client.

How to apply

To request a 13th salary loan from Caixa, the worker must:

Be a Caixa account holder; Have a good credit history; Present documentation proving income.

Requesting a 13th salary loan can be made online, via the Caixa app, or in person, at any Caixa branch.

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