TN 1 (06-14)

GN 01739.020 Chilean Social Security Benefits – Social Insurance System

A. Social insurance system eligibility requirements

The social insurance system is comprised of 20 different Social Security funds. Each fund has different eligibility requirements and benefit types. Under the 1981 reform, Chile created the Institute for Social Security Standardization to pay benefits for all of the former funds. Persons applying under the agreement fall into one of three categories:

  1. salaried employees;

  2. wage earners; or

  3. members of the National Fund for Public Employees and Journalists.

B. Policy for Chilean retirement, survivors and disability benefits…

This section describes only retirement, survivors and disability benefits. These are the only Chilean benefits included within the scope of the agreement.

1. Retirement benefits

a. Salaried employees

To qualify for retirement benefits as a salaried employee, a worker must:

  • be at least age 65 (men) or age 60 (women);

  • have made at least 10 years of contributions; and

  • must cease all gainful activity; and

  • be contributing at the date of attainment of retirement age, or attain this age within 2 years following the year in which he or she last made contributions.

    There are no provisions for early retirement. There are no benefits payable to the spouse or children of the retired worker.

b. Wage earners

To qualify for retirement benefits as a wage earner:

  • men must be at least age 65 and women age 60;

  • men must have either 20 years of contributions or 800 weeks of contributions and women must have 10 years of contributions; and

  • men and women must contribute in one-half of the weeks since initial coverage.

There are no provisions for early retirement. There are no benefits payable to the spouse or children of the retired worker.

c. Public employees and journalists

To qualify for retirement benefits as a public employee or journalist:

  • men must be at least age 65 with 10 years of contributions;

  • women age 60 with 10 years of contributions; and

  • must be contributing at the date on which they reach retirement age.

There are no provisions for early retirement. There are no benefits payable to the spouse or children of a retired worker.

2. Disability benefits

a. Salaried employees

To qualify for disability benefits salaried employees must:

  • be under retirement age;

  • have an impairment that reduces earnings capacity by 67 percent;

  • must have a minimum of 3 years of contributions; and

  • be contributing at the time of disability onset or no more than 2 years have elapsed since the date of the last contribution.

b. Wage earners

To qualify for disability benefits wage earners must:

  • be younger than age 65 (men) or younger than age 60 (women);

  • be totally or partially disabled;

  • must have made a minimum contributions of 50 weeks, 40 percent of the contributions during the 5 years preceding disability onset; and

NOTE: Women are exempt from the third requirement. All wage earners with more than 400 weeks of contributions are exempt from both the second and third requirements.

c. Public employees and journalists

To qualify for disability benefits public employees and journalists must:

  • be younger than age 65 (men) or younger than age 60 (women);

  • be totally or partially disabled;

  • must have 10 years of contributions; and

  • must be contributing at the date of disability onset.

d. Survivors benefits

  1. Salaried employees, public employees, and journalists

    Eligibility requirements for survivor benefits are the same for salaried and public employees and journalists. The requirements for the deceased worker are:

    • entitlement to retirement or disability benefit at the time of death, or

    • minimum of three years of contributions and died while contributing, or

    • death within two years following the date the deceased last contributed.

      The following persons may be eligible for survivor benefits:

      • widow or disabled widower;