How to check unemployment insurance using your CPF

Checking unemployment insurance using your CPF is an essential tool for managing your benefits.

This is because we know that this is paid monthly, for a certain period, so it needs to be checked routinely.

But is it really possible to make this inquiry? How does the benefit payment work? 

Today's article was written to help you with these questions, explaining everything about unemployment insurance.

That said, to learn more about the subject and learn how to check your benefit, check out the content below! 

What is unemployment insurance?

Knowing how to check unemployment insurance using your CPF is essential.

But, before we talk about that, it's important to understand in detail what this benefit is.

This will help us understand how payments work and where to make inquiries about amounts.

Unemployment insurance is a benefit granted to workers who have unexpectedly lost their jobs.

This means that to receive insurance you must have been fired without just cause.

The benefit is paid monthly, for 6 months, or until the citizen finds another job.

It is worth mentioning that this is a social security benefit, that is, it is paid by the INSS, as a way of ensuring a minimum income for the worker during a period.

The idea is that the person has time to look for a new job, without worrying about a lack of income during the period.

The insurance value is calculated based on the last salary received by the worker.

The rules in force determine that:

• For those who received up to R$ 1683.74, the value of the insurance installment must correspond to 80% of the salary.
• For those who received between R$ 1,683.74 and R$ 2,806.53, the excess 1,683.74 must be multiplied by 0.5 and added to the value of R$ 1,347.00.
• For those who received more than R$ 2,806.53, the installment value is R$ 1,909.34.

It is worth mentioning that the amount received in unemployment insurance does not correspond to the value of the worker's last salary. 

Many people believe that if they left their job receiving R$ 3,000.00, they will receive the same amount in insurance installments, and this is not true. 

How do I know if I'm eligible? 

In the previous topic we were able to understand what unemployment insurance is and what amounts are paid.

But, there is another important thing to say about this subject, which is the right to receive.

The simple fact of having worked and being fired does not give you the right to insurance.

This is because unemployment insurance is a benefit paid for unexpected and unjustified dismissals.

This means that if you resigned, you are not entitled to it, since the termination of the contract was not unexpected.

The same applies if the employee was dismissed from the company for just cause.

Just cause in itself already presents a reason for dismissal, therefore, it was not an unjustified termination of the contract. 

Furthermore, there is a minimum period of employment to be eligible for insurance.

The rule that determined the minimum period changed, going from 6 months to 12 months.

Therefore, if you have had an employment contract for less than 1 year, you cannot apply for unemployment insurance.

Therefore, those who are entitled to unemployment insurance are: 

• Have remained in their last job for at least 12 months; 
• They were fired by their employer without just cause; 
• Do not receive any other type of benefit or have another job. 

It is worth mentioning that for contracts with a predetermined end, there is also no right to insurance.

This is because the worker already knew the deadline, so he was not taken by surprise.

These are the general rules for determining eligibility, but it is worth checking unemployment insurance by CPF, in order to confirm whether or not you are eligible.

Second or third time receiving insurance: what are the rules?

You may have noticed that all the rules we went over previously relate to the first insurance claim.

This is because, if you have already received unemployment insurance before, the rules are different.

As for the value, everything remains the same, what really changes is the time to receive it, as well as the minimum period of the employment contract.

We will now see what these changes are.

For workers applying for the second time, the rule states that they must have worked for at least 9 months in the last 12 months.

Furthermore, the number of installments also changes, with 4 installments being paid for 9 months.

And, to receive the 6, the worker must have remained in their last job for at least 24 months.

For those who are applying for the third time, it is necessary to have worked for at least 6 months before the dismissal of each of the requests.

Furthermore, for those who worked 6 months, 3 installments are paid, for those who worked 12 months, 4 installments are paid, and for those who worked at least 24 months, 5 installments are paid.

So, as we can see, it is very different to receive insurance from the first request.

That said, to know exactly what amounts and installments are released, be sure to check unemployment insurance by CPF.

See how to check unemployment insurance using your CPF 

In the first topics of this material, we focused on explaining everything about insurance.

So, now you understand what the benefit is and when it can be released.

However, it is important to note that there is an official way to check unemployment insurance using your CPF.

This helps to ensure the law and values, since even though there are rules, each case is different.

Insurance inquiries must be made through the Digital Work Card application.

This is because it is through it that both hiring and terminations are recorded.

So the first thing you should do is download the app.

Once this is done, the next step will be to access your Gov.br account using your CPF, where all your information will come from.

Once you've logged in, your latest contracts should now appear.

It is worth mentioning that insurance consultation is only possible after the company cancels the contract in the system.

Therefore, check if the dismissal has already been recorded in the application, and if so, we can proceed with the benefit consultation.

The next step will be to go to the benefits tab, and click on the “unemployment insurance” category.

This will allow you to access the insurance grant, as well as the amounts released.

And, just like that, you can check unemployment insurance using your CPF! 

How to withdraw the amount after checking unemployment insurance by CPF 

After checking unemployment insurance using your CPF, the next step is to find out how to withdraw the funds.

After the consultation, you must sign up for the benefit through the Digital Work Card application.

When completing the request, the system will ask you for an account to deposit the benefit into.

It is worth mentioning that for credit in other banking institutions other than Caixa Econômica Federal, it will be done through a value transfer (TED).

But if you do not designate an account, the benefit will be paid directly into CAIXA account, for account holders.

For those who are not current account holders, a digital social savings account will be opened automatically.

Thus, the amounts will be deposited monthly, according to the number of installments that the system released to the worker.

Once the amount is deposited, the money will be free for you to use as you need! 

Is it possible to lose the right to the benefit?

There are those who think that after being considered, unemployment insurance is guaranteed within the specified period.

However, it is worth mentioning that this is not completely correct, as there are some things that can interrupt the payment of the benefit.

As we have already seen, the insurance aims to guarantee a minimum income to the worker during the period of unemployment.

Therefore, if you get another job before the installment payment deadline, the payment will be interrupted.

This means that if your benefit was approved for 6 installments, but you got a job in 4 months, the system will cancel the remaining two installments.

Furthermore, if fraud or inconsistencies are found in the request, the benefit may also be interrupted.

So, keep an eye out, and be sure to check unemployment insurance by CPF to stay up to date with all the deadlines and rules!