Overview
- Employers may complete the November 2025 CTS deposit on Monday, November 17 without penalty, per official guidance.
- Sunafil has warned companies of sanctions for failing to deposit the benefit on time.
- The November installment covers the second semester calculation based on remuneration from May through October.
- Law No. 32322 allows workers to withdraw up to 100% of CTS balances through December 31, 2026.
- In the event of a worker’s death, the employer must deposit the CTS within 48 hours, and an accredited spouse or partner can immediately access 50% while the remainder awaits heir documentation.