This means that the large majority of unemployed do not have access to unemployment-related benefits, including previously informal workers, labour-market entrants and individuals who quit voluntarily . The FGTS - established in 1967 - represents a fund that can be used for special occasions, including dismissal without just cause; the acquisition of a home; and retirement. Withdrawals in the case of unfair dismissal account for about two-thirds of FGTS expenditure (Caixa Economia Federal, 2009).