How to calculate unemployment insurance in just a few minutes

How to calculate unemployment insurance is one of the main questions for those going through the termination process.

What is unemployment insurance?

Before we talk about how to calculate unemployment insurance, it's important to understand how this benefit works.

Unemployment insurance is a social security benefit granted to workers who have gone through the process of termination of employment, without prior notice.

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

The reason for this is that the insurance aims to help maintain the accounts until the citizen can find a new job.

This benefit is paid monthly and can be extended to up to 6 installments.

These installments are determined based on the last salary received by the worker.

Thus, the maximum amount received per month in unemployment insurance can reach R$ 2,230.97.

However, it is worth mentioning that this amount varies, and to find out how much you will receive you need to know how to calculate unemployment insurance.

And, if you don't know yet, don't worry, we'll see that later!

Who is eligible for insurance?

A very common question when we talk about unemployment insurance is who is eligible.

This is because, as it is a social security benefit, many believe that anyone is entitled to it after being fired.

But the truth is that this is not quite the case, as the insurance is intended to help in the event of dismissals that occur without prior notice.

This is because, as we well know, being caught off guard with a termination of employment can put the accounts in the red.

But when you resign, or are fired for just cause, it is understood that there was no surprise.

Therefore, in these cases unemployment insurance is not granted to the worker.

Therefore, to be eligible you must:

Have worked for at least 6 months in the same company before termination;
Not having been dismissed for just cause or by resignation;
Do not receive BPC.

From this, we can see that unemployment insurance is a benefit, so it should only be requested if necessary.

To calculate unemployment insurance, do you have to consider your last salary?

One of the main questions about how to calculate unemployment insurance is regarding the value.

This is because a popular myth has been created that the amount paid corresponds to the last salary received by the worker, and this is not quite the case.

The truth is that the last salary only serves as a calculation basis.

And, it works like this:

For those who received up to R$ 1,686.79, the last salary must be multiplied by 0.8.
For those who received from R$ 1,686.80 to R$ 2,811.70, the calculation should be 978.22 added to the multiplication of the surplus of 1,686.80 by 0.5.
And finally, for those who received more than R$ 2,811.71, the installment is fixed, in the amount of R$ 1,911.84.

Therefore, we can conclude that the value of unemployment insurance does not correspond to the total amount of the last salary received.

This is important information when knowing how to calculate unemployment insurance.

How to calculate unemployment insurance?

After everything we explained above, it's easier to know how to calculate unemployment insurance.

This is because you just need to do the multiplications, as explained in the last topic.

But, to illustrate and make it easier to understand, let's look at an example.

Let's suppose that your last salary was R$ 1,896.00.

This value is part of the second range, and must follow the rule of multiplying the surplus of R$ 1,686.80 by 0.5.

This results in R$ 843.40, which by the rule must be added to the value of 978.22, totaling R$ 1,821.62.

This is an example of how the calculation should be done, and as we can see, it is not that complicated.

But, if you're looking for convenience, several websites offer a free unemployment insurance calculator.

In this case, simply include the requested information, and the value is automatically described.

How can I withdraw unemployment insurance?

After knowing how to calculate unemployment insurance, the next step is to know how to withdraw it.

And, it is important to note that it is only possible to withdraw after the request has been approved.

Therefore, after being fired, you must wait for the cancellation of your employment record.

Then just go to the Digital Work Card application, and look for unemployment insurance.

With this, it will be possible to carry out the request process, and if approved, simply withdraw it from the preferred account.

But, if you do not register any account, the deposit will be in a Caixa Social Savings, at Caixa Tem.

Is it possible to lose the right to the benefit?

And finally, our last topic will talk about a subject that many have doubts about.

After all, after unemployment insurance is granted, it is possible to lose the benefit.

And yes, the answer to that question is yes, and we will explain why.

As we have already seen, unemployment insurance is a type of assistance for the period in which the citizen is looking for a new job.

Therefore, if the person finds a new job before the installment payments are completed, these will be suspended.

This means that if you are entitled to 6 installments, but get a new job on Monday, the next 4 will be suspended.

Furthermore, in cases of fraud or inconsistencies in information, the benefit may also be suspended.

Therefore, it is essential to act honestly and be careful when applying for unemployment insurance.

This way, you can secure assistance so you can look for a new job with more peace of mind.

So, now that you know how to calculate unemployment insurance, do your calculations as soon as possible and take the opportunity to apply for your benefit!

Life and Finance

Roberta

July 12, 2023