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Análisis del uso de beneficios en el Seguro de Cesantía Chileno

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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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  • Eduardo Fajnzylber & Isabel Poblete, 2012. "Análisis del uso de beneficios en el Seguro de Cesantía Chileno," Working Papers wp_017, Adolfo Ibáñez University, School of Government.
    • Handle: RePEc:uai:wpaper:wp_017
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    References listed on IDEAS

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    1. Hartley, Gonzalo Reyes & van Ours, Jan C. & Vodopivec, Milan, 2011. "Incentive effects of unemployment insurance savings accounts: Evidence from Chile," Labour Economics, Elsevier, vol. 18(6), pages 798-809.
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    4. Card, David & Levine, Phillip B., 2000. "Extended benefits and the duration of UI spells: evidence from the New Jersey extended benefit program," Journal of Public Economics, Elsevier, vol. 78(1-2), pages 107-138, October.
    5. Eduardo Fajnzylber & Isabel Poblete, 2010. "Un Modelo de Proyección para el Seguro de Cesantía," Working Papers 41, Superintendencia de Pensiones, revised May 2010.
    6. 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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    Cited by:

    1. Nagler P., 2013. "How unemployment insurance savings accounts affect employment duration : evidence from Chile," MERIT Working Papers 2013-039, United Nations University - Maastricht Economic and Social Research Institute on Innovation and Technology (MERIT).
    2. Paula Nagler, 2013. "How unemployment insurance savings accounts affect employment duration: evidence from Chile," IZA Journal of Labor & Development, Springer;Forschungsinstitut zur Zukunft der Arbeit GmbH (IZA), vol. 2(1), pages 1-25, December.

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