Step by step to ANTICIPATE your FGTS withdrawal with great security

The anticipation of the birthday withdrawal represents a significant advance in making access to FGTS resources more flexible. Understand.

The Service Time Guarantee Fund (FGTS) is a fund created by the Brazilian government with the aim of protecting workers in the event of unfair dismissal.

The FGTS account is opened in the worker’s name upon admission to a job and receives monthly deposits from the employer, amounting to 8% of the gross salary.

The worker can withdraw the FGTS in several situations, such as unfair dismissal, property purchase, retirement, serious illnesses and public calamities. The withdrawal amount depends on the length of service and the account balance.

Discover how to advance your FGTS – Credit: @jeanedeoliveirafotografia /

Uncovering the secret of the FGTS Birthday Withdrawal: guide for safe anticipation

In an innovative move that promises to change the way workers interact with the Service Time Guarantee Fund (FGTS), a financial institution launched the "Protected Income" insurance.

This coverage is specially designed for those who wish to anticipate their FGTS birthday withdrawal, offering an extra layer of security in moments of vulnerability, such as leaving work, death or disability due to an accident.

Understanding the Birthday Loot

The birthday withdrawal is an optional modality that allows workers to make annual withdrawals of a portion of their FGTS in the month of their birthday.

The amount available for withdrawal is calculated based on a percentage of the total balance, plus an additional fixed amount.

However, it is important to highlight that when opting for this modality, the worker gives up the right to full withdrawal of the FGTS in the event of unfair dismissal.

Innovation and security: protected income insurance

With "Protected Income" insurance, the possibility of anticipating your birthday withdrawal gains a new dimension of security.

In the event of unemployment, the insurance provides the worker with coverage that corresponds to the amount that would be withdrawn, in addition to the contracted insured amount, allowing safe and peaceful anticipation.

How to join the Birthday Loot

To join the birthday withdrawal, all workers with a formal contract and FGTS balance can do so through the FGTS application, selecting the corresponding option and requesting to join.

To access the app, simply copy and paste this link into your URL:

Tips for safe anticipation

Here are some tips for anyone considering this modality:

Check the withdrawal calendar provided by Caixa. Confirm that your choice for a birthday withdrawal was correctly registered in the application. Stay up to date with the latest news and rules for safely anticipating your withdrawal.

Withdrawal-termination: everything you need to know

The FGTS is a fundamental right of Brazilian workers, which guarantees an account balance to be used at specific times.

One of the main uses of the FGTS is withdrawal-termination, which can be carried out in the event of unfair dismissal.

To be entitled to withdrawal, the worker must have been dismissed without just cause and have worked for a minimum period of three months for the same employer.

The withdrawal amount corresponds to 100% of the total balance of the FGTS account, plus a 40% fine on the balance deposited by the employer. However, when opting for the anniversary option, it is not possible to withdraw the termination.

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