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Análisis del uso de beneficios en el Seguro de Cesantía Chileno

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  • Isabel Poblete

    ()
    (Studies Division, Chilean Pension Supervisor)

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    Abstract

    Este documento intenta caracterizar el comportamiento de uso de los beneficios del Seguro de Cesantía Chileno. A partir de datos administrativos de este programa se observa que sólo el 35% de los individuos que, siendo elegibles para beneficios y con una pausa de al menos un mes sin cotizar, solicita alguno de los beneficios que el Seguro contempla. Las explicaciones detrás de este fenómeno se agrupan usualmente en cuatro categorías: costos pecuniarios, costos de información, costos de transacción o administrativos y costos sociales o sicológicos. Los resultados sugieren que parte importante del bajo uso de los beneficios parece surgir de decisiones racionales de agentes bien informados. No obstante, las variables que buscan medir la información disponible para el afiliado muestran una correlación positiva y significativa con el comportamiento de uso del programa. Los resultados relacionados con variables asociadas a costos de transacción arrojan resultados contradictorios, por lo que es posible que estén capturando el efecto sobre aspectos no observados de las comunas de residencia (como el acceso a oportunidades laborales). 1 Este.

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    File URL: http://www.spensiones.cl/redirect/files/doctrab/DT00051.pdf
    File Function: Revised version, 2011
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    Bibliographic Info

    Paper provided by Superintendencia de Pensiones in its series Working Papers with number 51.

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    Date of creation: Oct 2011
    Date of revision: Oct 2011
    Handle: RePEc:sdp:sdpwps:51

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    Web page: http://www.spensiones.cl/
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    Related research

    Keywords: Seguro de Cesantía; tasa de uso.;

    References

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    1. Solange Berstein & Eduardo Fajnzylber & Pamela Gana & Isabel Poblete, 2007. "Cinco Años de Funcionamiento del Seguro de Cesantía en Chile," Working Papers 23, Superintendencia de Pensiones, revised Dec 2007.
    2. David Card & Phillip B. Levine, 1998. "Extended Benefits and the Duration of UI Spells: Evidence from the New Jersey Extended Benefit Program," NBER Working Papers 6714, National Bureau of Economic Research, Inc.
    3. Reyes, Gonzalo & van Ours, Jan C. & Vodopivec, Milan, 2010. "Incentive Effects of Unemployment Insurance Savings Accounts: Evidence from Chile," CEPR Discussion Papers 7632, C.E.P.R. Discussion Papers.
    4. McCall, Brian P, 1995. "The Impact of Unemployment Insurance Benefit Levels on Recipiency," Journal of Business & Economic Statistics, American Statistical Association, vol. 13(2), pages 189-98, April.
    5. Jennifer L. Warlick, 1982. "Participation of the Aged in SSI," Journal of Human Resources, University of Wisconsin Press, vol. 17(2), pages 236-260.
    6. Paul Storer & Marc A. Van Audenrode, 1995. "Unemployment Insurance Take-Up Rates in Canada: Facts, Determinants, and Implications," Canadian Journal of Economics, Canadian Economics Association, vol. 28(4a), pages 822-35, November.
    7. Virginia Hernanz & Franck Malherbet & Michele Pellizzari, 2004. "Take-Up of Welfare Benefits in OECD Countries: A Review of the Evidence," OECD Social, Employment and Migration Working Papers 17, OECD Publishing.
    8. Solange Berstein & Guillermo Larraín & Francisco Pino, 2005. "Cobertura, densidad y pensiones en Chile: Proyecciones a 20 años plazo," Working Papers 12, Superintendencia de Pensiones, revised Nov 2005.
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