Unemployment Insurance: Who is eligible and how to apply? 

Do you have the necessary information about the unemployment insurance?

This insurance is a benefit provided for in the Federal Constitution and regulated by Law No. 7,998/90.

In short, it offers temporary financial assistance to workers who are involuntarily dismissed without just cause.

This topic will be further clarified below so that you can have the precise knowledge to obtain it certainly.

What is unemployment insurance?

Unemployment insurance is a benefit provided by the government to workers who become involuntarily unemployed. 

This benefit aims to provide temporary income to support the individual and their family while they are looking for a new job.

However, to access this benefit, the worker must meet certain requirements.

For example, having worked for a minimum period of 12 months in the last 18 months prior to the date of dismissal and not having been dismissed for just cause. 

The benefit amount varies according to the average of the last salaries received, and is calculated based on a formula established by the government.

THE unemployment insurance has a maximum period of receipt that can vary from 3 to 5 months, depending on the individual's working time. 

In this sense, during this period, the beneficiary must actively seek a new job and participate in interviews and selection processes.

In short, this benefit is an important social safety net, as it helps mitigate the financial impacts of job loss and allows workers time to re-enter the job market. 

Furthermore, insurance also contributes to the country's economic stability by maintaining a flow of income for families during periods of unemployment.

Who is entitled to unemployment insurance?

First, you must have been fired without having committed any serious misconduct at work, according to labor laws.

Also, at the time of applying for the benefit, you must not be formally employed.

Furthermore, your monthly income from other sources, such as investments, rent or informal work, cannot exceed 1.5 minimum wages.

Another important factor is that you cannot be receiving other social security benefits, except accident assistance, supplementary assistance and service retention allowance.

The person must also have been paid by an individual or legal entity registered with the CEI for:

• At least 12 months in the last 18 months immediately preceding the date of dismissal, when first requested;
• At least 9 months in the last 12 months immediately preceding the date of dismissal, when the second request is made; 
• And in the six months immediately prior to the date of dismissal, in relation to other requests.

When to apply for unemployment insurance?

The deadline to apply for unemployment insurance varies depending on the worker's category.

Here's how it works:

Formal worker: from the 7th to the 120th day: counted from the day after dismissal.

Domestic employee: from the 7th to the 90th day: counted from the day after dismissal.

Artisanal fisherman: during the closed season: within 120 days of the start of the ban.

In the case of a worker on leave for professional qualification: during the suspension of the employment contract.

Where to apply for unemployment insurance?

There are three options for you to apply for this benefit, so it can be done very simply.

See which ones:

1. Via the internet:

On the website of Federal Savings Bank, you must have access to the Gov.br account.

This way, the system will generate an insurance claim number, which must be saved to track the request.

2. In the app Digital Work Card:

The app is available for free download from the Google Play and App Store.

You must create a registration on gov.br or use an existing account.

Additionally, the app allows you to check the status of your order, track installment payments, and ask questions.

3. In person:

At a Caixa Econômica Federal branch:

Remembering that it is necessary to schedule the service by calling 158 or through the Caixa website.

Bring the necessary documents with you, such as your work permit, CPF, proof of termination of employment contract, and bank statement.

3. By phone:

Call 158 for free.

It is important to have the necessary documents on hand to inform the attendant, in order to be able to request the unemployment insurance.

Process steps:

• Access to the chosen service channel;
• Completing the application;
• Submission of documentation;
• Analysis of the request by Caixa Econômica Federal;
• Response to the worker within 15 days.

Regardless of the method chosen, the worker must have the necessary documents on hand:

• Work permit;
• CPF;
• Proof of termination of employment contract;
• Bank statement (last 6 months);
• National Driver's License (CNH) or professional driver's license (in the case of professional drivers);
• Birth or marriage certificate (if applicable).

The value of your unemployment insurance depends on your average salary in the last three months before dismissal, considering the gross salary, without discounts.

How to check the installment?

To track the release of your insurance installment, you have several options:

Gov.br Portal: you will have access to the status of your order, including the analysis date, installment amount, and payment history.

Digital Work Card Application: in the "Consult" option, you will see the progress of your order and other relevant information.

Caixa Econômica Federal website: the person will have access to the status of their order, payment history and other data.

Telephone 158: call 158 and follow the instructions on the electronic menu and have your CPF and NIS number on hand to inform the attendant.

Federal Savings Bank branchesl: Go to a branch with a prior appointment by calling 158 or visiting the Caixa website, take the necessary documents with you: work card, CPF, proof of identity and bank statement.

An attendant will give you information about the release of your unemployment insurance.

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Conclusion 

THE unemployment insurance It is an important benefit for workers who are dismissed without just cause or who resign for just cause in some specific situations.

But, before requesting yours, try to obtain all the necessary information.