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

Author

Listed:
  • 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..

Suggested Citation

  • 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.
    • Handle: RePEc:sdp:sdpwps:12
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    References listed on IDEAS

    as
    1. 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.
    2. 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 Nov 2014.
    3. 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.
    Full references (including those not matched with items on IDEAS)

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    Cited by:

    1. Bucheli, Marisa & Forteza, Alvaro & Rossi, Ianina, 2008. "Work history and the access to contributory pensions in Uruguay : some facts and policy options," Social Protection Discussion Papers and Notes 90345, The World Bank.
    2. Rodrigo Cerda, 2006. "Pensiones en Chile: ¿Qué Hubiese Ocurrido sin la Reforma de 1981?," Documentos de Trabajo 310, Instituto de Economia. Pontificia Universidad Católica de Chile..
    3. Rodrigo Cerda & Fernando Coloma, 2009. "Estudio Actuarial de los Fondos de Cesantía 2008," Working Papers 33, Superintendencia de Pensiones, revised Sep 2009.
    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. Clement Joubert, 2010. "Dynamic labor supply and saving incentives in privatized pension systems: evidence from Chile," 2010 Meeting Papers 291, Society for Economic Dynamics.
    6. Guillermo Larrain & Simon Ballesteros & Sebastián Garci, 2017. "Longevidad y Pensiones: una Propuesta de Seguro para la Cuarta Edad," Working Papers wp441, University of Chile, Department of Economics.
    7. Ximena Quintanilla, 2011. "Did Chileans Maximize Pensions when Choosing between PAYG and DC?," Working Papers 46, Superintendencia de Pensiones, revised Sep 2011.
    8. Cerda, Rodrigo A., 2008. "Social Security and Wealth Accumulation in Developing Economies: Evidence from the 1981 Chilean Reform," World Development, Elsevier, vol. 36(10), pages 2029-2044, October.
    9. Isabel Poblete, 2011. "Análisis del uso de beneficios en el Seguro de Cesantía Chileno," Working Papers 51, Superintendencia de Pensiones, revised Oct 2011.
    10. Eduardo Fajnzylber R. & Isabel Poblete H., 2013. "Analysis of the use of benefits under Chilean unemployment insurance," Journal Economía Chilena (The Chilean Economy), Central Bank of Chile, vol. 16(3), pages 32-68, December.
    11. Cerda, Rodrigo A., 2008. "The Chilean pension reform: A model to follow?," Journal of Policy Modeling, Elsevier, vol. 30(3), pages 541-558.
    12. Chiliatto-Leite, Marcos Vinicius, 2017. "Densidade de contribuição na previdência social do Brasil," Estudios y Perspectivas – Oficina de la CEPAL en Brasilia 42728, Naciones Unidas Comisión Económica para América Latina y el Caribe (CEPAL).
    13. 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.
    14. 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.
    15. Uthoff, Andras, 2006. "Gaps in the welfare State and reforms to pension systems in Latin America," Revista CEPAL, Naciones Unidas Comisión Económica para América Latina y el Caribe (CEPAL), August.
    16. 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.
    17. 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.

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