Compensation for time of services (CTS) is an essential benefit for Formal workers in Peru. Its objective is to provide financial stability in case of unemployment, ensuring that the employee has an economic support while looking for a new labor opportunity.
Every year, workers wait for the CTS deposit, but many do not know the exact dates, the calculation of the amount and if this benefit really corresponds to them. Next, we explain everything you need to know about the CTS in 2025.
When will the CTS this 2025 deposit?
He CTS deposit It is held on two dates a year: until May 15 and until November 15. These are the limit dates in which companies must pay the corresponding amount in the CTS account of the worker.
If the deposit date coincides with a holiday or weekend, the payment is made the next business day. It is essential that workers review their account to ensure that the deposit has been done correctly.
Learn to calculate your amount of CTS
He CTS amount It is calculated according to the salary of the worker and the time worked. To determine how much is the deposit that corresponds to you, follow these criteria:
- Is considered the Monthly gross salarywithout discounts.
- Family assignments are added if they correspond.
- 50% of the computable remuneration is calculated for each semester worked.
- If the worker has not worked the complete semester, the amount is proportional to the time worked.
There are online tools, such as the CTS calculator of various financial entities, which can help obtain an approximate figure of the benefit.
What workers will not receive their CTS this 2025?
Not all employees have the right to receive the CTS. According to the Peruvian regulationsthe following workers do not receive this benefit:
- Those who work less than 4 hours a day.
- Microenterprise workers registered in Remype after registration.
- Employees who perceive annual integral remuneration.
- People whose remuneration is based on commissions or rates that exceed 30% of their salary.
In addition, if a worker has not completed a month of work within the semester, the payment of his CTS will accumulate for the next period.
What other labor benefits have workers when they leave their work?
At the end of a labor relationship, workers can access various additional benefits to the CTS, including:
- EsSalud coverage: It remains for up to three months after the labor cessation.
- CTS retreat: The accumulated amount can be withdrawn with the proof of cessation.
- Truncas holidays: If the worker did not enjoy his vacation, the employer must compensate them economically.
- Unemployment insurance: Some workers can access support programs or temporary subsidies.
Is it possible to seize a worker’s CTS?
The CTS is an untouchable fund in most cases, but Peruvian law allows its embargo in specific situations. The main reason why part of the amount can be retained by food debts.
If a worker has a food pension court order, up to 50% of his CTS could be retained. The company must notify the banking entity and the corresponding court before proceeding with the embargo.
What is the CTS for?
The CTS It has the main purpose of serving as economic support in case of unemployment. However, it can also be used as a savings fund or even to access credits with better conditions.
Some financial entities offer attractive interest rates for CTS accounts, allowing workers to generate additional income. Therefore, it is advisable to choose an institution that offers the best performance.
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Source: Larepublica
Alia is a professional author and journalist, working at 247 news agency. She writes on various topics from economy news to general interest pieces, providing readers with relevant and informative content. With years of experience, she brings a unique perspective and in-depth analysis to her work.
