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Efectos del SCOMP sobre la Elección individual de Modalidad de Pensión

  • Juan Esteban Halcartegaray
  • Jorge Miranda

    ()

    (Studies Division, Chilean Pension Supervisor)

Este trabajo hace un análisis de las características que definen la elección individual de modalidad de pensión para los jubilados en el sistema previsional chileno. Se utilizan datos de la Encuesta de Protección Social 2009 y datos administrativos de la Superintendencia de Pensiones para generar una muestra representativa de jubilados con sus características individuales. En particular, se evalúa el efecto de la implementación del Sistema de Consulta y Oferta de Montos de Pensión (SCOMP) sobre la elección individual y se incorporan nuevos determinantes de la elección de modalidad de pensión que antes no habían sido utilizados para el caso chileno. Se encuentra que la implementación del SCOMP ha disminuido la probabilidad de contratar una Renta Vitalicia debido a la introducción de información que antes no estaba disponible al menos para un grupo de afiliados. Por otro lado, respecto a los demás determinantes de la elección de modalidad de pensión, se concluye que ser hombre, y haber tenido contacto con un intermediario aumentan la probabilidad de tomar una Renta Vitalicia como modalidad de pensión. Asimismo, la elegibilidad a pensión mínima garantizada, la intención de herencia y la edad de jubilación la disminuyen. Existe una relación positiva y decreciente entre el saldo de la Cuenta de Capitalización Individual y la probabilidad de tomar una RV. Finalmente, se encuentra que la diferencia porcentual entre la primera pensión por ambas modalidades se torna un determinante importante en la elección de modalidad posterior a la implementación de SCOMP, que es cuando la información sobre el monto de las pensiones se comenzó a entregar a todos los afiliados que escogen modalidad de pensión. .

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File URL: http://www.spensiones.cl/redirect/files/doctrab/DT00052.pdf
File Function: Revised version, 2012
Download Restriction: no

Paper provided by Superintendencia de Pensiones in its series Working Papers with number 52.

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Date of creation: Oct 2011
Date of revision: Aug 2012
Handle: RePEc:sdp:sdpwps:52
Contact details of provider: Web page: http://www.spensiones.cl/

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