Overview
- Private employers must credit CTS by Friday, May 15, 2026, and Sunafil can fine late or incorrect deposits.
- Under Law 32322, workers may withdraw 100% of their CTS until December 31, 2026, and the November 15 deposit will be the last one eligible for full withdrawal.
- CTS is a mandated savings meant to cushion job loss that is paid in May and November and typically equals about half a month’s pay for a full semester worked.
- Eligible recipients are private‑sector employees who were active on April 30, worked at least one month in the period, and averaged a four‑hour workday.
- Financial advisers urge using withdrawals to pay high‑interest debt and build an emergency fund before considering low‑risk investments, while some outlets promote fintech factoring that advertises high returns on short terms.