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Seguro de invalidez y sobrevivencia: Qué es y qué le está pasando


  • Rubén Castro

    () (Studies Division, Chilean Pension Supervisor)


Comúnmente la literatura relacionada señala al desempleo como una de las principales causas de mayores tasas de invalidez y a estas como responsables del alza en los costos del seguro de invalidez y sobrevivencia (SIS). Sin perjuicio de que dicha literatura se refiere a sistemas fundamentalmente distintos al caso chileno, este trabajo presenta evidencia sobre una baja relación de largo plazo entre el desempleo y la tasa de invalidez. Además el análisis de los costos del seguro indica que estos se han visto aumentados por el alza en el costo por caso, el envejecimiento y el crecimiento natural del sistema, mientras que se han visto disminuidos por la menor mortalidad de la población. Dicho costo por caso, por otra parte, ha aumentado fuertemente debido a las bajas tasas de interés (inciden en forma inversa en el costo) y al despegue de los salarios..

Suggested Citation

  • Rubén Castro, 2005. "Seguro de invalidez y sobrevivencia: Qué es y qué le está pasando," Working Papers 5, Superintendencia de Pensiones, revised May 2005.
  • Handle: RePEc:sdp:sdpwps:5

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    References listed on IDEAS

    1. John Bound & Timothy Waidmann, 1992. "Disability Transfers, Self-Reported Health, and the Labor Force Attachment of Older Men: Evidence from the Historical Record," The Quarterly Journal of Economics, Oxford University Press, vol. 107(4), pages 1393-1419.
    2. Parsons, Donald O, 1984. "Disability Insurance and Male Labor Force Participation: A Response," Journal of Political Economy, University of Chicago Press, vol. 92(3), pages 542-549, June.
    3. Grushka, Carlos O. & Demarco, Gustavo, 2003. "Disability pensions and social security reform : analysis of the Latin American experience," Social Protection and Labor Policy and Technical Notes 29139, The World Bank.
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    Cited by:

    1. James, Estelle & Iglesias, Augusto & Cox Edwards, Alejandra, 2008. "Disability insurance with pre-funding and private participation : the Chilean model," Social Protection and Labor Policy and Technical Notes 42268, The World Bank.
    2. 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.
    3. Estelle James & Augusto Iglesias Palau, 2006. "How to Integrate Disability Benefits into a System with Individual Accounts: The Chilean Model," Working Papers wp111, University of Michigan, Michigan Retirement Research Center.
    4. María Angélica Arbeláez & Jorge Humberto Botero & Alejandra González & Camila Salamanca, 2011. "Sostenibilidad del seguro previsional en Colombia," WORKING PAPERS SERIES. DOCUMENTOS DE TRABAJO 009066, FEDESARROLLO.
    5. Fischer, Ronald & Gonzalez, Pablo & Serra, Pablo, 2006. "Does competition in privatized social services work? The Chilean Experience," World Development, Elsevier, vol. 34(4), pages 647-664, April.


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