{"id":14109,"date":"2025-09-03T09:33:25","date_gmt":"2025-09-03T12:33:25","guid":{"rendered":"https:\/\/acrisure.com.br\/insights\/?p=14109"},"modified":"2025-12-03T10:50:11","modified_gmt":"2025-12-03T13:50:11","slug":"governo-amplia-vr-va","status":"publish","type":"post","link":"https:\/\/acrisure.com.br\/insights\/governo-amplia-vr-va\/","title":{"rendered":"Governo estuda limitar taxas do VR e VA e ampliar flexibilidade no uso"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.19.4&#8243; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.27.3&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; width=&#8221;100%&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Conte\u00fado&#8221; _builder_version=&#8221;4.27.3&#8243; _module_preset=&#8221;default&#8221; text_letter_spacing=&#8221;1px&#8221; custom_margin=&#8221;||||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span data-contrast=\"auto\">O governo federal anunciou o pacote de medidas para reformular o uso do <\/span><b><span data-contrast=\"auto\">vale-refei\u00e7\u00e3o e vale-alimenta\u00e7\u00e3o<\/span><\/b><span data-contrast=\"auto\"> no Brasil. O objetivo \u00e9 reduzir custos para trabalhadores e lojistas, ampliar a concorr\u00eancia no setor e modernizar o <\/span><span data-contrast=\"auto\">Programa de Alimenta\u00e7\u00e3o do Trabalhador (PAT)<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A proposta inclui:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Cria\u00e7\u00e3o de um teto de taxas pr\u00f3ximo a 3,5%<\/span><\/b><span data-contrast=\"auto\"> para operadoras de cart\u00f5es, hoje superiores a 5% em muitos casos.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Redu\u00e7\u00e3o do prazo de repasse<\/span><\/b><span data-contrast=\"auto\"> aos estabelecimentos, atualmente de at\u00e9 60 dias.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"auto\">Portabilidade gratuita<\/span><\/b><span data-contrast=\"auto\"> dos cart\u00f5es de benef\u00edcio, permitindo que trabalhadores troquem de operadora sem custos.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Segundo o governo, a reformula\u00e7\u00e3o tamb\u00e9m busca conter os impactos da <\/span><b><span data-contrast=\"auto\">infla\u00e7\u00e3o alimentar<\/span><\/b><span data-contrast=\"auto\"> e melhorar o fluxo financeiro de pequenos neg\u00f3cios.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Por que a mudan\u00e7a \u00e9 necess\u00e1ria<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Mais de <\/span><b><span data-contrast=\"auto\">60% dos trabalhadores brasileiros precisam complementar o valor do vale-alimenta\u00e7\u00e3o com o sal\u00e1rio<\/span><\/b><span data-contrast=\"auto\">, segundo estudo recente. A demora na regulamenta\u00e7\u00e3o \u2014 prevista desde a <\/span><b><span data-contrast=\"auto\">Lei 14.442\/2022<\/span><\/b><span data-contrast=\"auto\"> \u2014 gerou frustra\u00e7\u00e3o entre empresas e consumidores. A lei introduziu a portabilidade e a interoperabilidade no setor, mas a falta de normas pr\u00e1ticas impediu sua aplica\u00e7\u00e3o.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Com a regulamenta\u00e7\u00e3o, a expectativa \u00e9 ampliar a aceita\u00e7\u00e3o dos <\/span><a href=\"https:\/\/acrisure.com.br\/insights\/category\/beneficios\/\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">benef\u00edcios<\/span><\/a><span data-contrast=\"auto\"> e garantir mais transpar\u00eancia nas opera\u00e7\u00f5es.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"2\"><span data-contrast=\"none\">O que muda para cada p\u00fablico<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><b><span data-contrast=\"auto\">Trabalhadores<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Maior liberdade para escolher a operadora com melhor rede de aceita\u00e7\u00e3o.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Transfer\u00eancia gratuita e integral do saldo acumulado.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"7\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Possibilidade de cancelar e trocar de operadora a qualquer momento.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><b><span data-contrast=\"auto\">Comerciantes<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Recebimento mais r\u00e1pido, reduzindo o impacto no fluxo de caixa.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Menores taxas, o que pode estimular a aceita\u00e7\u00e3o do benef\u00edcio.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Interoperabilidade, permitindo uso de <\/span><b><span data-contrast=\"auto\">uma \u00fanica maquininha para todas as bandeiras<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><b><span data-contrast=\"auto\">Empresas e operadoras<\/span><\/b><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Necessidade de revis\u00e3o dos contratos para garantir conformidade com as novas regras.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"9\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Proibi\u00e7\u00e3o de pr\u00e1ticas como <\/span><b><span data-contrast=\"auto\">rebates e descontos ocultos<\/span><\/b><span data-contrast=\"auto\">, j\u00e1 vedadas pela <\/span><a href=\"https:\/\/www.gov.br\/trabalho-e-emprego\/pt-br\/servicos\/empregador\/programa-de-alimentacao-do-trabalhador-pat\/portaria-pat-rebate-1707-de-10-de-outubro-de-2024.pdf\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">Portaria MTE n\u00ba 1.707\/2024<\/span><\/a><span data-contrast=\"auto\">, que prev\u00ea <\/span><b><span data-contrast=\"auto\">multas de R$ 5 mil a R$ 50 mil<\/span><\/b><span data-contrast=\"auto\"> e perda de incentivos fiscais em caso de irregularidades.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<h3>Leia tamb\u00e9m<\/h3>\n<ul>\n<li><a href=\"https:\/\/acrisure.com.br\/insights\/comunicacao-beneficios-flexiveis\/\" target=\"_blank\" rel=\"noopener\">O papel da comunica\u00e7\u00e3o na sustentabilidade dos benef\u00edcios flex\u00edveis<\/a><\/li>\n<li><a href=\"https:\/\/acrisure.com.br\/insights\/pacote-de-beneficios\/\" target=\"_blank\" rel=\"noopener\">Como construir um pacote atrativo de benef\u00edcios?<\/a><\/li>\n<li><a href=\"https:\/\/acrisure.com.br\/insights\/cartao-beneficios-flexiveis\/\" target=\"_blank\" rel=\"noopener\">Benef\u00edcios Flex\u00edveis: cart\u00e3o ou programa? Qual a diferen\u00e7a?<\/a><\/li>\n<\/ul>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Portabilidade: autonomia para o trabalhador<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">A <\/span><b><span data-contrast=\"auto\">portabilidade gratuita<\/span><\/b><span data-contrast=\"auto\"> \u00e9 considerada um dos avan\u00e7os mais importantes. Com ela, o trabalhador poder\u00e1 migrar seu benef\u00edcio para outra operadora sem custos, preservando todo o saldo acumulado. O processo ser\u00e1 feito diretamente entre o trabalhador e a nova operadora, sem necessidade de intermedia\u00e7\u00e3o do empregador.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Al\u00e9m disso, a <\/span><b><span data-contrast=\"auto\">interoperabilidade<\/span><\/b><span data-contrast=\"auto\"> deve eliminar barreiras para estabelecimentos, que hoje enfrentam dificuldades para aceitar m\u00faltiplas bandeiras.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Pr\u00f3ximos passos e prazos<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">A regulamenta\u00e7\u00e3o do PAT enfrenta atrasos desde 2022. Inicialmente prevista para 2023, a implementa\u00e7\u00e3o da portabilidade foi adiada para 2024 e, agora, para <\/span><b><span data-contrast=\"auto\">in\u00edcio de 2026<\/span><\/b><span data-contrast=\"auto\">. At\u00e9 l\u00e1, o <\/span><b><span data-contrast=\"auto\">Minist\u00e9rio do Trabalho<\/span><\/b><span data-contrast=\"auto\"> e o <\/span><b><span data-contrast=\"auto\">Banco Central<\/span><\/b><span data-contrast=\"auto\"> v\u00e3o definir os detalhes t\u00e9cnicos, como prazos e procedimentos operacionais.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">As etapas incluem:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Defini\u00e7\u00e3o das regras pelo <\/span><b><span data-contrast=\"auto\">Minist\u00e9rio do Trabalho<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Normas para transa\u00e7\u00f5es no <\/span><b><span data-contrast=\"auto\">Sistema de Pagamentos Brasileiro<\/span><\/b><span data-contrast=\"auto\">, sob supervis\u00e3o do Banco Central.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Consultas p\u00fablicas com entidades do setor, como <\/span><b><span data-contrast=\"auto\">ABBT<\/span><\/b><span data-contrast=\"auto\">, <\/span><b><span data-contrast=\"auto\">ABBC<\/span><\/b><span data-contrast=\"auto\"> e <\/span><b><span data-contrast=\"auto\">ANR<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Publica\u00e7\u00e3o do decreto final no <\/span><b><span data-contrast=\"auto\">primeiro semestre de 2026<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<h2 aria-level=\"3\"><span data-contrast=\"none\">Impacto econ\u00f4mico e desafios<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:281,&quot;335559739&quot;:281}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">As mudan\u00e7as prometem <\/span><b><span data-contrast=\"auto\">melhorar a competitividade<\/span><\/b><span data-contrast=\"auto\">, dar mais autonomia ao trabalhador e aliviar custos para lojistas, especialmente pequenos neg\u00f3cios. No entanto, entidades como a <\/span><b><span data-contrast=\"auto\">Associa\u00e7\u00e3o Brasileira das Empresas de Benef\u00edcios ao Trabalhador (ABBT)<\/span><\/b><span data-contrast=\"auto\"> alertam para riscos de <\/span><span data-contrast=\"auto\">concentra\u00e7\u00e3o de mercado em grandes operadoras<\/span><span data-contrast=\"auto\">, o que exigir\u00e1 fiscaliza\u00e7\u00e3o para garantir equil\u00edbrio no setor.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Se implementadas com sucesso, as novas regras podem <\/span><b><span data-contrast=\"auto\">fortalecer o <\/span><\/b><a href=\"https:\/\/www.gov.br\/trabalho-e-emprego\/pt-br\/servicos\/empregador\/programa-de-alimentacao-do-trabalhador-pat\" target=\"_blank\" rel=\"noopener\"><span data-contrast=\"none\">PAT<\/span><\/a><span data-contrast=\"auto\">, beneficiando <\/span><b><span data-contrast=\"auto\">cerca de 24 milh\u00f5es de trabalhadores<\/span><\/b><span data-contrast=\"auto\">, sendo 20 milh\u00f5es com renda de at\u00e9 cinco sal\u00e1rios-m\u00ednimos, e garantindo acesso mais justo \u00e0 alimenta\u00e7\u00e3o.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;335559738&quot;:240,&quot;335559739&quot;:240}\">\u00a0<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nos \u00faltimos anos, motoristas e empresas que operam frotas t\u00eam enfrentado um aumento expressivo de riscos associados a eventos clim\u00e1ticos extremos \u2014 enchentes, tempestades, granizo, deslizamentos e at\u00e9 ciclones extratropicais. Essas ocorr\u00eancias afetam diretamente a mobilidade, a seguran\u00e7a e os custos de manuten\u00e7\u00e3o dos ve\u00edculos, al\u00e9m de pressionarem o mercado de seguros a rever coberturas e valores.\u00a0<\/p>\n","protected":false},"author":1,"featured_media":14115,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","_links_to":"","_links_to_target":""},"categories":[21],"tags":[9],"class_list":["post-14109","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-beneficios","tag-rh"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Governo amplia o uso do vale-refei\u00e7\u00e3o e vale-alimenta\u00e7\u00e3o<\/title>\n<meta name=\"description\" content=\"Governo Amplia flexibilidade do vale-refei\u00e7\u00e3o e vale-alimenta\u00e7\u00e3o no Brasil. 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