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Survey Reveals That 67% of Brazilians Would Not Be Able to Sustain Themselves in Case of Dismissal; Study Points to Lack of Financial Reserve and Lack of Knowledge About CLT Income Insurance.
A survey conducted by the fintech meutudo between August 1 and 5 revealed that 67% of Brazilians would not have the financial means to support themselves if they were caught off guard by a dismissal.
The survey heard 4,827 participants and highlights the vulnerability of the population in the face of economic unforeseen events, as well as the low knowledge about protective instruments, such as CLT income insurance.
The study highlights the urgent need for financial education and planning, as a large portion of workers does not have sufficient resources to face periods without income.
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Lack of Knowledge About CLT Income Insurance
According to the survey, 53% of respondents are completely unaware of CLT income insurance, while 20% have heard of it but do not understand how it works. Only 33% claimed to know about the product and its purpose.
CLT income insurance is a modality that guarantees a temporary income to the worker in case of termination, functioning as a complement to unemployment insurance.
It is an insurance paid for by the worker themselves, available at some financial institutions, and can provide important protection in situations of unexpected dismissions.
Lack of Emergency Fund
The study also revealed that most Brazilians do not have an adequate emergency fund.
Only 8% said they have enough resources to support themselves for a month, while 25% could sustain themselves for up to six months.
In addition, 54% have never thought about preparing for eventualities such as loss of income, disability, or prolonged absences.
Another 32% claimed to take care of this aspect, and 14% stated that they plan “a little,” but recognize that there is still room for improvement.
Financial Planning Is Essential
The data reinforces the vulnerability of most Brazilian workers in the face of unforeseen events.
With two out of three workers unable to cope with a dismission, the survey highlights the importance of financial protection strategies, such as emergency reserves, insurances, and investments.
Experts emphasize that access to information about financial planning is essential to reduce economic risks.
“Financial education and the diversification of protection instruments, such as CLT income insurance, are fundamental to ensuring greater security in times of uncertainty,” says a representative from the fintech meutudo.
Implications for the Brazilian Worker
The survey makes it clear that many Brazilians are exposed to financial risks that may jeopardize their stability after a dismission.
The low understanding of insurances and the lack of an emergency fund make workers even more vulnerable to personal and economic crises.
The fintech study reinforces the need for public policies and financial education actions, as well as raising awareness about the importance of products that assist in maintaining income during periods without employment.
With concerning results, the meutudo survey shows that a large part of the population needs tools and information to protect themselves financially.
The adoption of measures such as CLT income insurance and planning for emergency reserves can significantly reduce the vulnerability of workers in the face of a dismission, promoting greater security and economic stability for Brazilians.
Cadê a instrução financeira nas escolas?
A informação é importante, mas se a pessoa for instruída ganhar mais de dóis salários mínimo e souber o que é capitalismo, socialismo e comunismo… Não vota mais no PT
A empresa que trabalho vai fechar pir causa da falta de segurança fisica, patrimonial, juridica e principalmente economica desse pais. São 410 familias que vão para o olho da rua e uma empresa de 67 anos sem dividas, líder de mercado em seu ramo, maior do hemisfério sul na área fechada. Um município pequeno que depende exclusivamente dela vai sofrer, muitos indo para o exterior, empresas mudando para o Paraguai. Façam esse seguro porque a sede de destruição desse governo não acabou.