Llegó la temporada de cesantías: fechas clave, derechos del trabajador y en qué casos se puede retirar el ahorro

TL;DR

Cesantías in Colombia are a mandatory employee savings fund, legally required to be deposited by employers.
The standard amount saved is one month's salary for every year worked, with proportional amounts for shorter periods.
Employers must deposit cesantías by February 15th of the following year, and interests by January 31st.
Withdrawals are restricted to specific situations: job termination, housing (purchase/remodel), or education.
Employees with 'salario integral' (all-inclusive salary) are not entitled to cesantías.
Workers can choose their preferred cesantías fund before December 31st.
Cesantías can be used as collateral for housing loans.
The calculation for cesantías is (monthly salary * days worked) / 360.
Funds offer different portfolios (short-term and long-term) with varying returns.
Employers who fail to deposit cesantías on time incur penalties, such as daily fines for domestic workers.

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