My INSS will release certificate for retirees to withdraw the FGTS

Every insured with a balance in the FGTS account (Fundo de Garantia do Tempo de Serviço) is entitled to withdraw the funds deposited in the Guarantee Fund when he retires. The amount can be withdrawn immediately after retirement, with the presentation of a certificate released by the INSS (National Social Security Institute).

The certificate, currently sent by the Post Office with the letter granting the benefit, also entitles those who fit the rules to the PIS/Pasep allowance and should be released on the internet, through Meu INSS, by the end of this year, he informed. the agency to the report.

According to the INSS, if the document does not arrive, the citizen must call 135 and schedule the withdrawal at an agency.

In addition to retirement and dismissal, there are other situations that allow the withdrawal of FGTS money, such as the purchase of a home and when there is serious illness.

At the beginning of each month, the employer is required to deposit the equivalent of 8% of the employee’s salary into an account opened at Caixa Econômica Federal.

Upon retirement, there is the right to withdraw the entire amount. If the worker continues to work in the same company, the employer must make the deposits normally and the professional has the right to withdraw the amounts every month. This year, until August 19, around 855,000 workers had withdrawn the FGTS in retirement, according to Caixa, totaling R$ 8.5 billion withdrawn.

According to lawyer Roberto de Carvalho Santos, president of Ieprev (Institute of Social Security Studies), this is a way to allow retirees to use the FGTS to make more profitable investments.

If the retiree who works changes jobs, the FGTS continues to be deposited, but it can only be withdrawn when the contract is completed or terminated.

Santos says that workers should be aware of their rights and monitor whether employers continue to deposit the FGTS if the employee is removed due to an accident at work — which does not happen in the case of leave due to an accident of non-occupational origin.

How to withdraw FGTS

The main document needed to withdraw the FGTS is the withdrawal certificate that the INSS sends with the granting letter. According to Joseane Zanardi, a lawyer and coordinator of the IBDP (Brazilian Institute of Social Security Law) in the state of São Paulo, this document must be delivered to the insured, on average, within 20 days after the granting of retirement.

In a note, Caixa informs that, upon retirement, the worker can withdraw amounts from all FGTS accounts with a balance whose admission date is before the DIB (Benefit Start Date).

Scheduling for the withdrawal of money — either once or monthly — can be done through the FGTS application.

Step by step:

• Open the FGTS application
• In “My Withdrawals”, go to “Other withdrawal situations”
• Click on “Retirement” and then on “Request Withdrawal”
• You will need to send the following documents:

1. Personal identification document
2. CPF or PIS/Pasep or NIS or NIT number
3. work card
4. Selfie
5. Certificate of granting of retirement issued by an official Social Security Institute, at the federal, state or municipal level. The certificate may eventually be replaced by one of the documents contained in the FGTS app.

If the amount released does not appear in the application, the worker can seek more information by calling the Caixa, at 0800-7260207.