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Cobertura, densidad y pensiones en Chile: Proyecciones a 20 años plazo

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Author Info

  • Solange Berstein
  • Guillermo Larraín
  • Francisco Pino

    ()
    (Studies Division, Chilean Pension Supervisor)

Abstract

A diferencia de un sistema de reparto donde se evalúa permanentemente la sustentabilidad financiera de éste, en un sistema de capitalización la atención está centrada en su capacidad de pagar beneficios adecuados. Este artículo presenta proyecciones de pensiones para el caso de Chile y un análisis respecto a las distintas variables que afectan las pensiones en un sistema de capitalización y su importancia relativa. De acuerdo a los resultados obtenidos, un 5% de los afiliados utilizará la garantía estatal de pensión mínima en el año 2025, que se otorga a los afiliados que tengan más de 240 meses de cotizaciones. Por otro lado, existirá un porcentaje importante de los afiliados que obtendrán pensiones de vejez inferiores a la pensión mínima (en torno al 50% en el año 2025, dependiendo de los supuestos que se utilicen), y que no tendrán acceso a la garantía estatal. Sin embargo, es importante considerar que dentro de este grupo existen personas que no necesariamente estarán en situación de vulnerabilidad, ya que tienen otras fuentes de ingresos con las que pueden financiar su vejez. De hecho, un 30% de las mujeres mayores de 70 años reciben hoy pensión de viudez. Respecto a quienes son vulnerables se debe buscar el adecuado equilibrio entre protección e incentivos a la contribución, para así entregar pensiones adecuadas manteniendo la sustentabilidad financiera..

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File URL: http://www.spensiones.cl/redirect/files/doctrab/DT00012.pdf
File Function: Revised version, 2005
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Bibliographic Info

Paper provided by Superintendencia de Pensiones in its series Working Papers with number 12.

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Date of creation: Nov 2005
Date of revision: Nov 2005
Handle: RePEc:sdp:sdpwps:12

Contact details of provider:
Web page: http://www.spensiones.cl/
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Related research

Keywords: Cobertura; Pensiones; Pensión Mínima;

References

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Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
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  1. Solange Berstein & Rubén Castro, 2005. "Costos y Rentabilidad de los Fondos de Pensiones: �Qué Informar a los Afiliados?," Working Papers 1, Superintendencia de Pensiones, revised Apr 2005.
  2. Gert Wagner, 1991. "La seguridad social y el programa de pensión mínima garantizada," Estudios de Economia, University of Chile, Department of Economics, vol. 18(1 Year 19), pages 33-91, June.
  3. Solange Berstein & Andrea Tokman, 2005. "Brechas de ingreso entre géneros: ¿Perpetuadas o exacerbadas en la vejez?," Working Papers 8, Superintendencia de Pensiones, revised Jul 2005.
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Citations

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Cited by:
  1. Rodrigo Cerda & Fernando Coloma, 2009. "Estudio Actuarial de los Fondos de Cesantía 2008," Working Papers 33, Superintendencia de Pensiones, revised Sep 2009.
  2. Solange Berstein & Andrea Tokman, 2005. "Brechas de ingreso entre géneros: ¿Perpetuadas o exacerbadas en la vejez?," Working Papers 8, Superintendencia de Pensiones, revised Jul 2005.
  3. Marisa Bucheli & Alvaro Forteza & Ianina Rossi, 2007. "Work history and the access to contributory pensions. The case of Uruguay," Documentos de Trabajo (working papers) 1607, Department of Economics - dECON.
  4. Solange Berstein & Andrea Tokman, 2005. "Income Gap by Gender: Perpetuated or Exacerbated when Old?," Working Papers Central Bank of Chile 334, Central Bank of Chile.
  5. Ximena Quintanilla, 2011. "Did Chileans Maximize Pensions when Choosing between PAYG and DC?," Working Papers 46, Superintendencia de Pensiones, revised Sep 2011.
  6. Clement Joubert, 2010. "Dynamic labor supply and saving incentives in privatized pension systems: evidence from Chile," 2010 Meeting Papers 291, Society for Economic Dynamics.
  7. Estelle James & Augusto Iglesias, 2006. "How to Integrate Disability Benefits into an Individual Account System: The Chilean Model," Working Papers 18, Superintendencia de Pensiones, revised May 2007.
  8. Eduardo Fajnzylber, 2010. "Gender Policy, the Minimum Pension Age and Non-contributory Rights for Women – the Case of Chile," Working Papers wp_003, Adolfo Ibáñez University, School of Government.
  9. Isabel Poblete, 2011. "Análisis del uso de beneficios en el Seguro de Cesantía Chileno," Working Papers 51, Superintendencia de Pensiones, revised Oct 2011.

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