Overview
- The November payment covers earnings from May through October, in line with the semiannual schedule.
- If November 15 falls on a nonworking day, employers must deposit on the next business day, according to MTPE guidance.
- MTPE’s method adds one‑sixth of the July bonus to semester pay, divides by 12, and multiplies by months worked to compute the amount.
- The benefit applies to private‑regime workers who average at least four hours of work per day, with Sunafil overseeing compliance.
- Under Law 32322, workers may withdraw CTS balances totally or partially via their bank or mobile app, with an existing exception for immediate full access when terminal illness or cancer is accredited.