Gremios advierten preocupación por la sostenibilidad de las pensiones de la población más vulnerable

diciembre 5, 2025

TL;DR

A proposed government decree could affect the ability of individuals to retire and compromise provisional insurance coverage for invalidity and survival.
The measure modifies the "minimum wage slide" mechanism, which ensures vulnerable populations' pensions grow with the minimum wage.
Pensions for invalidity and survival are at risk as their primary funding source, provisional insurance, may become unviable.
Approximately 20 million affiliates in the Individual Savings Regime (RAIS) could be affected.
The proposed change implies that a portion of the minimum wage adjustment above inflation and productivity growth will fall on future pensioners.
Individuals might need to contribute about 30% more to access a lifelong pension, making it harder to retire and resulting in lower pensions.
Access to pensions will be more difficult as the required capital will increase, leaving many unprotected.
The cost of provisional insurance for invalidity or death will increase, potentially leaving millions unprotected.
The state may have to assume financial obligations for pensions of those who become invalid or orphaned before retirement age.
The decree could create significant financial obligations for the nation, estimated at an average of 2 trillion in the first 10 years.
Asofondos and Fasecolda urge a joint review of the decree's adverse consequences with the Ministry of Finance to ensure coherent regulations.

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