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Understand How the FGTS Dismissal Withdrawal Works, Who Is Entitled, Deadlines, Documents and How to Withdraw Using the Caixa App Without Leaving Home.
According to the website Meu Tudo, when a worker is dismissed without cause or resigns, they are entitled to the Dismissal Withdrawal of the Fundo de Garantia do Tempo de Serviço (FGTS). The FGTS is a financial reserve created to protect the worker in times of crisis, such as unemployment.
When the employment contract is terminated, the worker can access the balance of their FGTS account, which is one of the main ways to obtain funds during a professional transition period.
Who Is Entitled to the Dismissal Withdrawal?
The Dismissal Withdrawal is the traditional model for accessing the FGTS (Fundo de Garantia do Tempo de Serviço), and guarantees the worker the withdrawal of the accumulated balance in their linked account in specific cases provided by law.
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This right is exclusive to those working under the CLT (Consolidação das Leis do Trabalho) regime and who fit certain labor situations.
Those entitled to the Dismissal Withdrawal include:
- Dismissal Without Cause: when the employer ends the contract without legal reason, the worker can withdraw the full amount of the FGTS.
- Termination of Fixed-Term Contract: at the end of the contract, the balance for the period can be withdrawn.
- Retirement: those who retire can withdraw the total balance in all linked FGTS accounts.
- Termination by Agreement: when the employer and employee mutually end the contract, the worker can withdraw up to 80% of the available amount.
- Serious Illness: in cases of severe illnesses of the worker or their dependents, withdrawal is authorized upon medical proof.
- Death of the Worker: dependents or legal heirs are entitled to the full withdrawal of the deposited amounts.
- Public Calamity: when officially declared, withdrawal can be partially released for residents of the affected region.
- Indirect Dismissal: when the worker requests termination due to serious employer failures, access to the FGTS is guaranteed by court decision.
Thus, the Dismissal Withdrawal serves as financial protection for the worker, allowing them access to the fund during moments of transition, need, or emergency.
How to Withdraw the FGTS Dismissal Using the App (Step by Step)?
- Download the FGTS app from Caixa;
- Go to “My Withdrawals” > select “Dismissal Withdrawal”;
- Provide or register a bank account in your name;
- The amount is credited within 5 business days.
If there is no account registered:
- The worker can withdraw at lotteries, Caixa branches, or Caixa Aqui correspondents, upon presentation of documents.
Documents Required to Withdraw FGTS Dismissal
- Identity document with photo;
- CPF or PIS/PASEP;
- Labor card (physical or digital);
- Termination document (in some legal cases);
- Court ruling (in the case of indirect dismissal or agreement in court).
Deadline to Receive the FGTS After Dismissal
- Up to 10 business days: deadline for the employer to notify the dismissal to Caixa and generate the key;
- Up to 5 business days: after requesting in the app, the amount is credited to the account;
- Up to 30 business days: maximum deadline for the worker to withdraw the amount after its release.
Difference Between Dismissal Withdrawal and Birthday Withdrawal
| Dismissal Withdrawal | Birthday Withdrawal |
| Full withdrawal in case of dismissal without cause | Partial annual withdrawal in the birthday month |
| Also receives the 40% fine | Does not have access to the total balance, only to the fine |
| Standard modality | Optional modality, must be requested in the app |
| Does not allow anticipation via credit | Allows anticipation of installments via loan |
Important: if you choose the Birthday Withdrawal and are dismissed, you will not be able to withdraw the balance, only the fine.
Calculation of the Rescission Fine of the FGTS
- Fine is 40% on the total deposited during the contract;
- Example: if R$ 10,000 was deposited, the fine is R$ 4,000.
What to Do If the FGTS Dismissal Does Not Appear in the Account?
- Check if the bank account details in the FGTS app are correct;
- Verify if you are still within the 5 business day deadline;
- Consult the Caixa app or website;
- Call 0800 726 0207 or go to a Caixa branch.
Bill Project Wants to Allow Withdrawal for Those Who Resign
The PL 1747/22 is in progress, which may allow workers who resign to also withdraw their FGTS. It has not yet been approved.
Source: Meu Tudo.
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