{"id":15570,"date":"2024-08-14T10:55:38","date_gmt":"2024-08-14T13:55:38","guid":{"rendered":"https:\/\/europortage.clientes.dbai.com.br\/?p=15570"},"modified":"2025-12-02T11:40:31","modified_gmt":"2025-12-02T14:40:31","slug":"what-is-the-fgts-fund-in-brazil","status":"publish","type":"post","link":"https:\/\/europortage.clientes.dbai.com.br\/fr\/what-is-the-fgts-fund-in-brazil\/","title":{"rendered":"What is the FGTS fund in Brazil ?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"15570\" class=\"elementor elementor-15570\" data-elementor-post-type=\"post\">\n\t\t\t\t<section class=\"elementor-element elementor-element-df133de e-con-full e-flex e-con e-parent\" data-id=\"df133de\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-025a874 e-con-full e-flex e-con e-child\" data-id=\"025a874\" data-element_type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_offset&quot;:100,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_effects_offset&quot;:0}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c4edd2 elementor-widget-mobile__width-inherit scrollcon elementor-widget elementor-widget-table-of-contents\" data-id=\"4c4edd2\" data-element_type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h2&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;marker_view&quot;:&quot;bullets&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:0,&quot;sizes&quot;:[]},&quot;icon&quot;:{&quot;value&quot;:&quot;fas fa-circle&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t<h6 class=\"elementor-toc__header-title\">\n\t\t\t\tWhat is the FGTS fund in Brazil ?\t\t\t<\/h6>\n\t\t\t\t\t<\/div>\n\t\t<div id=\"elementor-toc__4c4edd2\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a86122 e-con-full e-flex e-con e-child\" data-id=\"5a86122\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bf05dfe elementor-widget elementor-widget-text-editor\" data-id=\"bf05dfe\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The Fundo de Garantia do Tempo de Servi\u00e7o (FGTS), or Severance Indemnity Fund for Employees, serves as a cornerstone of Brazil\u2019s labor protection system. FGTS, designed to provide financial security during job loss, retirement, or significant life events, plays a vital role in the country\u2019s social safety net. Moreover, this system ensures that employees have a financial cushion in times of need, thereby promoting economic stability. In the following sections, we will explore the legal framework governing FGTS, its operational mechanisms, and the various benefits it offers to both employers and employees.<\/p><h4>\u00a0<\/h4>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2fc29dd elementor-widget elementor-widget-heading\" data-id=\"2fc29dd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Legal Foundation and Framework<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a3af1e elementor-widget elementor-widget-text-editor\" data-id=\"9a3af1e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The FGTS was established in 1966 by Law No. 5,107 to protect workers dismissed without just cause. Governed by the Consolidated Labor Laws (CLT) and managed by Caixa Econ\u00f4mica Federal, a state-owned bank, the FGTS plays a vital role in Brazil\u2019s labor protection system. Over the years, the FGTS system has evolved significantly, with various amendments expanding its scope. These changes have included more categories of workers and additional scenarios for fund access. Consequently, Brazilian labor law requires all employers with CLT-contract employees to comply with FGTS regulations, ensuring that workers have access to this essential financial safety net.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46af270 elementor-widget elementor-widget-heading\" data-id=\"46af270\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Employer Contributions to FGTS<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-232f656 elementor-widget elementor-widget-heading\" data-id=\"232f656\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Who Is Responsible for FGTS Contributions?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e541590 elementor-widget elementor-widget-text-editor\" data-id=\"e541590\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Employers in Brazil bear the responsibility for FGTS contributions. Every business that hires employees under the CLT (Consolidated Labor Laws) must contribute to the FGTS, including private sector businesses, public sector entities, and domestic employers. Employers must make these contributions regardless of the business&rsquo;s size or the number of employees. This ensures that all workers under CLT contracts receive the financial protection provided by FGTS.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ed03a5 elementor-widget elementor-widget-heading\" data-id=\"1ed03a5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Process of Collecting FGTS<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba037cf elementor-widget elementor-widget-text-editor\" data-id=\"ba037cf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The FGTS is collected through monthly deposits made by the employer into a specific account opened in the name of each employee at Caixa Econ\u00f4mica Federal. The amount deposited corresponds to 8% of the employee\u2019s gross monthly salary. For apprentices, the contribution rate is reduced to 2%. These contributions are mandatory and are considered a crucial part of an employee\u2019s compensation package.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-efc58a1 elementor-widget elementor-widget-heading\" data-id=\"efc58a1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Payment Deadlines for FGTS Contributions<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce15c3e elementor-widget elementor-widget-text-editor\" data-id=\"ce15c3e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Employers must deposit the FGTS contribution by the 20th day of the month following the month in which the salary was paid. For instance, the FGTS contribution for salaries paid in March must be deposited by the 20th of April. If the 20th falls on a weekend or a public holiday, the payment is due on the next business day. Late payments can result in fines and interest charges, making it crucial for employers to adhere to this schedule.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62cff0e elementor-widget elementor-widget-heading\" data-id=\"62cff0e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Steps to Calculate FGTS Contributions<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c92a1f elementor-widget elementor-widget-text-editor\" data-id=\"5c92a1f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Calculating FGTS is straightforward. The employer must take 8% of the employee\u2019s gross salary (including bonuses, overtime, and other remunerations) and deposit that amount into the employee\u2019s FGTS account. For example, if an employee earns BRL 3,000 per month, the employer must deposit BRL 240 (8% of BRL 3,000) into the FGTS account each month. For apprentices, this calculation uses a 2% rate instead of 8%.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c5584b4 e-flex e-con-boxed e-con e-child\" data-id=\"c5584b4\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-709d6a7 elementor-widget elementor-widget-image\" data-id=\"709d6a7\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/europortage.clientes.dbai.com.br\/wp-content\/uploads\/elementor\/thumbs\/logo-europortage-60px-01-rfobve1jbhj8yvskwq2l3nlbx6mvcfnnlknofyzloo.png\" title=\"logo-europortage-60px-01\" alt=\"logo-europortage-60px-01\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9864e1 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"b9864e1\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e79da25 elementor-position-right elementor-vertical-align-middle elementor-widget elementor-widget-image-box\" data-id=\"e79da25\" data-element_type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><a href=\"https:\/\/europortage.clientes.dbai.com.br\/project\/employer-of-record\/\" tabindex=\"-1\"><img fetchpriority=\"high\" decoding=\"async\" width=\"517\" height=\"355\" src=\"https:\/\/europortage.clientes.dbai.com.br\/wp-content\/uploads\/2024\/10\/Rectangle-96.png\" class=\"attachment-full size-full wp-image-16325\" alt=\"Services - Employer of record\" srcset=\"https:\/\/europortage.clientes.dbai.com.br\/wp-content\/uploads\/2024\/10\/Rectangle-96.png 517w, https:\/\/europortage.clientes.dbai.com.br\/wp-content\/uploads\/2024\/10\/Rectangle-96-300x206.png 300w\" sizes=\"(max-width: 517px) 100vw, 517px\" \/><\/a><\/figure><div class=\"elementor-image-box-content\"><h3 class=\"elementor-image-box-title\"><a href=\"https:\/\/europortage.clientes.dbai.com.br\/project\/employer-of-record\/\">Streamline Your Expansion with EOR Services in LATAM<\/a><\/h3><p class=\"elementor-image-box-description\">Expand across Latin America effortlessly with our Employer of Record (EOR) services. We handle compliance, payroll, and employee management, ensuring smooth operations while you focus on growing your business.<\/p><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-547abc1 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"547abc1\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/europortage.clientes.dbai.com.br\/contact-us\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Discover now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7357f80 elementor-widget elementor-widget-heading\" data-id=\"7357f80\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Accessing FGTS Funds<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5db0eb elementor-widget elementor-widget-heading\" data-id=\"d5db0eb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Eligibility Criteria for FGTS<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c0875ca elementor-widget elementor-widget-text-editor\" data-id=\"c0875ca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>All employees working under Brazil\u2019s Consolidated Labor Laws (CLT) are eligible for FGTS contributions. This includes both <strong>Brazilian citizens and foreign workers<\/strong> with formal employment contracts.\u00a0<\/p><p>FGTS (Fundo de Garantia do Tempo de Servi\u00e7o) eligibility extends to all employees in Brazil who are employed under the CLT (Consolidated Labor Laws), which covers most formal employment relationships in the country. This includes:<\/p><ol><li style=\"list-style-type: none;\"><ol><li style=\"list-style-type: none;\"><ol><li style=\"list-style-type: none;\"><ol><li><p><strong>Full-time Employees<\/strong>: All full-time workers employed under a formal contract (CLT) are entitled to FGTS contributions from their employers. This includes those working in both public and private sectors.<\/p><\/li><li><p><strong>Part-time Employees<\/strong>: Part-time employees with a formal CLT contract are also eligible for FGTS contributions. The calculation is based on their earnings, similar to full-time employees.<\/p><\/li><li><p><strong>Temporary Workers<\/strong>: Employees hired under a temporary contract (for a fixed term or specific project) are eligible for FGTS contributions, as long as they are employed under the CLT framework.<\/p><\/li><li><p><strong>Domestic Workers<\/strong>: As of 2015, domestic workers, such as housekeepers and nannies, are entitled to FGTS contributions, ensuring they receive the same protections as other formal employees.<\/p><\/li><li><p><strong>Apprentices<\/strong>: Apprentices, who are typically young workers receiving job training, are also eligible for FGTS contributions, albeit at a reduced rate (2% instead of the standard 8%).<\/p><\/li><li><p><strong>Foreign Workers<\/strong>: Foreign nationals working in Brazil under a formal CLT contract are eligible for FGTS contributions, just like Brazilian citizens.<\/p><\/li><li><p>Rural<strong> Workers<\/strong>: Those employed in agricultural activities under a formal CLT contract are also eligible for FGTS contributions.<\/p><\/li><\/ol><\/li><\/ol><\/li><\/ol><\/li><\/ol><p>Workers not covered under CLT, such as independent contractors (PJ) and those working under RPA (Recibo de Pagamento Aut\u00f4nomo) arrangements, are not eligible for FGTS contributions.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8162d71 elementor-widget elementor-widget-heading\" data-id=\"8162d71\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Conditions for Withdrawing FGTS Funds<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7a9970 elementor-widget elementor-widget-text-editor\" data-id=\"f7a9970\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Employees can access their FGTS funds in several situations:<\/p><ul><li><strong>Dismissal Without Just Cause<\/strong>: The most common scenario where FGTS can be withdrawn is when an employee is dismissed without just cause. In this case, the employee is entitled to withdraw the full balance of the FGTS account plus an additional penalty payment of 40% of the total FGTS balance, paid by the employer.<\/li><li><strong>Retirement<\/strong>: Upon retirement, employees can withdraw their entire FGTS balance.<\/li><li><strong>Home Purchase<\/strong>: FGTS can be used to finance the purchase of a home, making it an essential resource for many Brazilians looking to buy property.<\/li><li><strong>Serious Illness<\/strong>: Employees diagnosed with serious illnesses such as cancer or HIV, or those who have a dependent with such conditions, can access their FGTS savings.<\/li><li><strong>Natural Disasters<\/strong>: In regions affected by natural disasters, residents may be permitted to withdraw FGTS funds for recovery efforts.<\/li><li><strong>Other Conditions<\/strong>: The FGTS can also be accessed in cases of terminal illness, death of the account holder, or when the account remains inactive for three years.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-668c922 elementor-widget elementor-widget-heading\" data-id=\"668c922\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Amounts Disbursed from FGTS Accounts<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd14b09 elementor-widget elementor-widget-text-editor\" data-id=\"dd14b09\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The amount an employee receives from their FGTS account depends on the balance accumulated over time. The account earns interest and is adjusted annually for inflation, so the total amount available at the time of withdrawal may be higher than the sum of the monthly contributions. Upon dismissal without just cause, in addition to withdrawing the FGTS balance, the employee also receives an extra payment of 40% of the total FGTS funds as a severance penalty from the employer. This penalty is intended to provide financial stability for the employee while they search for new employment.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9847621 elementor-widget elementor-widget-heading\" data-id=\"9847621\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FGTS and Severance\n<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f12b33 elementor-widget elementor-widget-text-editor\" data-id=\"0f12b33\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>One of the most important aspects of FGTS is its role in severance payments. In Brazil, when an employee is dismissed without just cause, they are entitled to a portion of their FGTS balance as part of their severance package.<\/p><p>Specifically, the employer must pay an additional 40% of the total FGTS balance accumulated in the employee&rsquo;s account as a penalty for the dismissal. This penalty is designed to compensate the employee for the sudden loss of income and provide them with financial stability while they search for new employment.<\/p><p>In some cases, such as dismissal due to force majeure or closure of the company, this percentage may be reduced to 20%. The FGTS-linked severance payment system is a key element in ensuring that employees are treated fairly upon termination and have access to a financial safety net during their transition between jobs. Furthermore, the FGTS fund is not just a mechanism for severance but also serves as a broader financial resource that can be accessed in various life situations, making it a cornerstone of Brazil&rsquo;s labor protection framework.<\/p><p>Learn more about <a href=\"https:\/\/europortage.clientes.dbai.com.br\/end-of-employment-and-termination-in-brazil\/\">End of employment and termination in Brazil<\/a>.\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03dc748 elementor-widget elementor-widget-image\" data-id=\"03dc748\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"284\" src=\"https:\/\/europortage.clientes.dbai.com.br\/wp-content\/uploads\/2024\/08\/Vacation-Bonus-min-e1723643773799-768x284.webp\" class=\"attachment-medium_large size-medium_large wp-image-15578\" alt=\"FGTS in Brazil\" srcset=\"https:\/\/europortage.clientes.dbai.com.br\/wp-content\/uploads\/2024\/08\/Vacation-Bonus-min-e1723643773799-768x284.webp 768w, https:\/\/europortage.clientes.dbai.com.br\/wp-content\/uploads\/2024\/08\/Vacation-Bonus-min-e1723643773799-300x111.webp 300w, https:\/\/europortage.clientes.dbai.com.br\/wp-content\/uploads\/2024\/08\/Vacation-Bonus-min-e1723643773799-1024x379.webp 1024w, https:\/\/europortage.clientes.dbai.com.br\/wp-content\/uploads\/2024\/08\/Vacation-Bonus-min-e1723643773799-1536x568.webp 1536w, https:\/\/europortage.clientes.dbai.com.br\/wp-content\/uploads\/2024\/08\/Vacation-Bonus-min-e1723643773799.webp 1590w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32e239f elementor-widget elementor-widget-heading\" data-id=\"32e239f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Advantages and Impact of FGTS for Employers and Employees<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-71a647b elementor-widget elementor-widget-text-editor\" data-id=\"71a647b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>FGTS offers numerous benefits that impact both employers and employees. For employees, FGTS serves as a crucial financial safety net, providing security during job loss, serious illness, or significant life events. Additionally, it facilitates homeownership by allowing employees to use FGTS funds for down payments or mortgage payments. Consequently, the availability of these funds brings peace of mind and reduces financial stress during challenging periods.<\/p><p>On the other hand, for employers, FGTS contributions are a legal obligation that ensures fair treatment of employees and maintains workforce stability. While it adds to employment costs, FGTS enhances employee loyalty and satisfaction, as employees recognize its value. Moreover, adhering to FGTS regulations helps employers avoid legal disputes and penalties, fostering a more harmonious workplace environment.<\/p><p>In summary, the FGTS system in Brazil is a vital part of the country\u2019s social security framework. It not only supports employees during transitions and hardships but also reinforces the employer&rsquo;s responsibility in ensuring the financial well-being of their workforce. Understanding FGTS intricacies is crucial for employers and employees to fully benefit from this comprehensive system.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1131a73 elementor-widget elementor-widget-heading\" data-id=\"1131a73\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FGTS for Foreign Workers in Brazil<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7601b86 elementor-widget elementor-widget-text-editor\" data-id=\"7601b86\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"flex max-w-full flex-col flex-grow\"><div class=\"min-h-[20px] text-message flex w-full flex-col items-end gap-2 whitespace-pre-wrap break-words [.text-message+&amp;]:mt-5 overflow-x-auto\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"4639ab88-edb7-4db3-bdf9-3d0e895335e5\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[3px]\"><div class=\"markdown prose w-full break-words dark:prose-invert dark\"><p>Foreign workers employed under the Consolidated Labor Laws (CLT) in Brazil enjoy the same FGTS benefits as Brazilian citizens.<\/p><p>In terms of eligibility, foreign employees, like their Brazilian counterparts, qualify for FGTS contributions as long as their employment is formalized under Brazilian labor laws, regardless of nationality. Furthermore, foreign workers can withdraw their FGTS funds under the same conditions as Brazilian workers, including scenarios like dismissal without just cause or retirement. Moreover, if a foreign worker decides to leave Brazil permanently, they are not eligible to withdraw the entire FGTS balance upon departure.<\/p><\/div><\/div><\/div><\/div><div class=\"mt-1 flex gap-3 empty:hidden -ml-2\"><div class=\"items-center justify-start rounded-xl p-1 flex\"><div class=\"flex items-center\"><div class=\"flex\">\u00a0<\/div><div class=\"flex items-center pb-0\"><div class=\"[&amp;_svg]:h-full [&amp;_svg]:w-full icon-md h-4 w-4\">\u00a0<\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8e45ed elementor-widget elementor-widget-heading\" data-id=\"d8e45ed\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How can foreign workers withdraw their FGTS funds when leaving Brazil permanently?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fa8dc4 elementor-widget elementor-widget-text-editor\" data-id=\"8fa8dc4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Foreign workers who choose to permanently leave Brazil can withdraw their accumulated FGTS (Fundo de Garantia do Tempo de Servi\u00e7o) funds.<\/p><p>This process requires them to submit two formal declarations to the Brazilian tax authorities: the <strong>Comunica\u00e7\u00e3o de Sa\u00edda Definitiva do Pa\u00eds<\/strong> and the <strong>Declara\u00e7\u00e3o de Sa\u00edda Definitiva do Pa\u00eds<\/strong>, which confirm that they no longer reside in Brazil and have settled their tax obligations.<\/p><p>Additionally, they must provide proof of residency in their new country, such as a residence permit, utility bills, or a rental agreement that clearly indicates their address abroad. After submitting these documents, Caixa Econ\u00f4mica Federal processes the request, allowing the funds to be transferred directly to the worker\u2019s chosen bank account in Brazil.<\/p><p>Foreign workers must wait for their FGTS account to remain inactive for three years before they can withdraw their funds.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5086dfb elementor-widget elementor-widget-heading\" data-id=\"5086dfb\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Manage FGTS in Brazil with Europortage<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77d5402 elementor-widget elementor-widget-text-editor\" data-id=\"77d5402\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Managing FGTS is complex especially when it comes to compliance. That\u2019s why we recommend working with a direct and local partner like <a href=\"https:\/\/europortage.clientes.dbai.com.br\/\">Europortage<\/a>.<br \/>Our team of local experts is on hand to support you throughout the entire employee lifecycle, including FGTS payments. We can give you clear advice on business incorporation and global hiring, in addition to handling employment contracts, payroll, and benefits. That way, you can focus on growing a world-class team and business.<\/p><p>Get in touch to find out more and start hiring top talent in Latin America.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd5fa41 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"fd5fa41\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/europortage.clientes.dbai.com.br\/contact-us\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact us<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f931fc8 elementor-widget elementor-widget-heading\" data-id=\"f931fc8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Frequent Asked questions <\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8038b2 elementor-widget elementor-widget-n-accordion\" data-id=\"a8038b2\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1760\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1760\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h6 class=\"e-n-accordion-item-title-text\"> Do employers need to pay FGTS on bonuses provided to employees? <\/h6><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"200\" height=\"200\" viewBox=\"0 0 200 200\" fill=\"none\"><circle cx=\"100\" cy=\"100\" r=\"99\" fill=\"white\" stroke=\"#C2C2C2\" stroke-width=\"2\"><\/circle><path d=\"M150 100.5L50 100.5\" stroke=\"black\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"200\" height=\"200\" viewBox=\"0 0 200 200\" fill=\"none\"><circle cx=\"100\" cy=\"100\" r=\"99\" fill=\"white\" stroke=\"#C2C2C2\" stroke-width=\"2\"><\/circle><path d=\"M102.5 48L102.5 148\" stroke=\"black\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path><path d=\"M150 100.5L50 100.5\" stroke=\"black\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1760\" class=\"elementor-element elementor-element-a42f206 e-con-full e-flex e-con e-child\" data-id=\"a42f206\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4788ba9 elementor-widget elementor-widget-text-editor\" data-id=\"4788ba9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Employers in Brazil must pay FGTS (Fundo de Garantia do Tempo de Servi\u00e7o) on top of bonuses. They calculate the FGTS contribution, typically 8% of the employee&rsquo;s gross salary, not only on the regular monthly salary but also on any additional earnings, including bonuses, the 13th salary (Christmas bonus), overtime pay, and other forms of remuneration.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1761\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1761\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h6 class=\"e-n-accordion-item-title-text\"> What happens if the employer fails to pay FGTS? <\/h6><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"200\" height=\"200\" viewBox=\"0 0 200 200\" fill=\"none\"><circle cx=\"100\" cy=\"100\" r=\"99\" fill=\"white\" stroke=\"#C2C2C2\" stroke-width=\"2\"><\/circle><path d=\"M150 100.5L50 100.5\" stroke=\"black\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"200\" height=\"200\" viewBox=\"0 0 200 200\" fill=\"none\"><circle cx=\"100\" cy=\"100\" r=\"99\" fill=\"white\" stroke=\"#C2C2C2\" stroke-width=\"2\"><\/circle><path d=\"M102.5 48L102.5 148\" stroke=\"black\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path><path d=\"M150 100.5L50 100.5\" stroke=\"black\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1761\" class=\"elementor-element elementor-element-175375e e-flex e-con-boxed e-con e-child\" data-id=\"175375e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-caa0053 elementor-widget elementor-widget-text-editor\" data-id=\"caa0053\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Employers who fail to make FGTS contributions on time may face fines, interest charges, and legal penalties. Employees can report non-payment to the Ministry of Labor, and employers are legally obligated to rectify any missed contributions.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1762\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1762\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h6 class=\"e-n-accordion-item-title-text\"> What is the role of Caixa Econ\u00f4mica Federal in FGTS? <\/h6><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"200\" height=\"200\" viewBox=\"0 0 200 200\" fill=\"none\"><circle cx=\"100\" cy=\"100\" r=\"99\" fill=\"white\" stroke=\"#C2C2C2\" stroke-width=\"2\"><\/circle><path d=\"M150 100.5L50 100.5\" stroke=\"black\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"200\" height=\"200\" viewBox=\"0 0 200 200\" fill=\"none\"><circle cx=\"100\" cy=\"100\" r=\"99\" fill=\"white\" stroke=\"#C2C2C2\" stroke-width=\"2\"><\/circle><path d=\"M102.5 48L102.5 148\" stroke=\"black\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path><path d=\"M150 100.5L50 100.5\" stroke=\"black\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1762\" class=\"elementor-element elementor-element-b9d564e e-flex e-con-boxed e-con e-child\" data-id=\"b9d564e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f40efcf elementor-widget elementor-widget-text-editor\" data-id=\"f40efcf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Caixa Econ\u00f4mica Federal is the government bank responsible for managing FGTS accounts, collecting contributions, and overseeing withdrawals.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1763\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1763\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h6 class=\"e-n-accordion-item-title-text\"> What is the interest rate on FGTS accounts? <\/h6><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"200\" height=\"200\" viewBox=\"0 0 200 200\" fill=\"none\"><circle cx=\"100\" cy=\"100\" r=\"99\" fill=\"white\" stroke=\"#C2C2C2\" stroke-width=\"2\"><\/circle><path d=\"M150 100.5L50 100.5\" stroke=\"black\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"200\" height=\"200\" viewBox=\"0 0 200 200\" fill=\"none\"><circle cx=\"100\" cy=\"100\" r=\"99\" fill=\"white\" stroke=\"#C2C2C2\" stroke-width=\"2\"><\/circle><path d=\"M102.5 48L102.5 148\" stroke=\"black\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path><path d=\"M150 100.5L50 100.5\" stroke=\"black\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1763\" class=\"elementor-element elementor-element-5cecf42 e-flex e-con-boxed e-con e-child\" data-id=\"5cecf42\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8960024 elementor-widget elementor-widget-text-editor\" data-id=\"8960024\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>FGTS accounts earn an annual interest rate of 3%, plus adjustments for inflation. This rate helps to preserve the value of the fund over time.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1764\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1764\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h6 class=\"e-n-accordion-item-title-text\"> How often does the employer have to contribute to FGTS? <\/h6><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"200\" height=\"200\" viewBox=\"0 0 200 200\" fill=\"none\"><circle cx=\"100\" cy=\"100\" r=\"99\" fill=\"white\" stroke=\"#C2C2C2\" stroke-width=\"2\"><\/circle><path d=\"M150 100.5L50 100.5\" stroke=\"black\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"200\" height=\"200\" viewBox=\"0 0 200 200\" fill=\"none\"><circle cx=\"100\" cy=\"100\" r=\"99\" fill=\"white\" stroke=\"#C2C2C2\" stroke-width=\"2\"><\/circle><path d=\"M102.5 48L102.5 148\" stroke=\"black\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path><path d=\"M150 100.5L50 100.5\" stroke=\"black\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1764\" class=\"elementor-element elementor-element-14e9e98 e-flex e-con-boxed e-con e-child\" data-id=\"14e9e98\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7e5873c elementor-widget elementor-widget-text-editor\" data-id=\"7e5873c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Employers are required to deposit FGTS contributions on a monthly basis, by the 20th day of the following month.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1765\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1765\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h6 class=\"e-n-accordion-item-title-text\"> When can I withdraw my FGTS? <\/h6><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"200\" height=\"200\" viewBox=\"0 0 200 200\" fill=\"none\"><circle cx=\"100\" cy=\"100\" r=\"99\" fill=\"white\" stroke=\"#C2C2C2\" stroke-width=\"2\"><\/circle><path d=\"M150 100.5L50 100.5\" stroke=\"black\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"200\" height=\"200\" viewBox=\"0 0 200 200\" fill=\"none\"><circle cx=\"100\" cy=\"100\" r=\"99\" fill=\"white\" stroke=\"#C2C2C2\" stroke-width=\"2\"><\/circle><path d=\"M102.5 48L102.5 148\" stroke=\"black\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path><path d=\"M150 100.5L50 100.5\" stroke=\"black\" stroke-width=\"5\" stroke-linecap=\"round\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1765\" class=\"elementor-element elementor-element-72dd423 e-flex e-con-boxed e-con e-child\" data-id=\"72dd423\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b478e4 elementor-widget elementor-widget-text-editor\" data-id=\"2b478e4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>You can withdraw your FGTS in cases such as dismissal without just cause, retirement, serious illness, home purchase, or in the event of a natural disaster affecting your home. You can also withdraw it if your account has been inactive for three years or more.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5da4214 elementor-hidden-tablet elementor-hidden-mobile e-flex e-con-boxed e-con e-child\" data-id=\"5da4214\" data-element_type=\"container\" data-settings=\"{&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;desktop&quot;],&quot;sticky_offset&quot;:100,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;sticky_effects_offset&quot;:0}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ab62721 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"ab62721\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#Top\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Back to top<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d304b3 e-transform elementor-widget elementor-widget-progress-tracker\" data-id=\"6d304b3\" data-element_type=\"widget\" data-settings=\"{&quot;relative_to&quot;:&quot;post_content&quot;,&quot;direction&quot;:&quot;ltr&quot;,&quot;_transform_rotateZ_effect&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:90,&quot;sizes&quot;:[]},&quot;type&quot;:&quot;horizontal&quot;,&quot;percentage&quot;:&quot;no&quot;,&quot;_transform_rotateZ_effect_tablet&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;_transform_rotateZ_effect_mobile&quot;:{&quot;unit&quot;:&quot;deg&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"progress-tracker.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\n\t\t<div class=\"elementor-scrolling-tracker elementor-scrolling-tracker-horizontal elementor-scrolling-tracker-alignment-\">\n\t\t\t\t\t\t<div class=\"current-progress\">\n\t\t\t\t\t<div class=\"current-progress-percentage\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c5813d elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"2c5813d\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/europortage.clientes.dbai.com.br\/contact-us\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Hire and pay your team in Latin America<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>The FGTS (Fundo de Garantia do Tempo de Servi\u00e7o) is a crucial financial safety net for employees in Brazil, offering protection in cases of dismissal, retirement, and other significant life events. <\/p>\n","protected":false},"author":1,"featured_media":15575,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false},"categories":[169,173,172],"tags":[],"class_list":["post-15570","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-brazil","category-hiring-labour-law-hr-operations","category-payroll-benefits-employer-costs","category-169","category-173","category-172","description-off"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is the FGTS fund in Brazil ? - Europortage<\/title>\n<meta name=\"description\" content=\"Learn about the FGTS fund in Brazil, a financial safety net for employees, providing security in cases of dismissal, retirement, and more.\" \/>\n<meta name=\"robots\" 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