Overview
- Decreto Supremo Nº 007-2025-TR was published in El Peruano, adding Article 14-A to the CTS regulation (DS Nº 004-97-TR) to operationalize the permanent exception.
- Eligible workers with a duly accredited diagnosis may withdraw 100% of their CTS at any time, including accrued interest, without conditions imposed by employers or banks.
- Accreditation requires a medical certificate from a licensed physician at a public or private health facility specifying the diagnosis and explicitly qualifying it as cancer or a terminal illness.
- The certificate must list the facility’s name and address, the worker’s full identification data, the diagnosis, the explicit qualification, and the physician’s name and registration number.
- Employers must issue the CTS withdrawal certificate to the depositary institution within two business days, banks must complete requested transfers within two business days, and amounts are calculated on the balance as of the request date.