Análisis de conveniencia de derogación de la prestación económica de devolución de saldos
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Fecha
2025
Autores
Meza Sandoval, Enzon Javier
Orozco Ardila, Jesús Santiago
Rodríguez Ávila, Olga María
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Ediciones Universidad Simón Bolívar
Facultad de Ciencias Jurídicas y Sociales
Facultad de Ciencias Jurídicas y Sociales
Resumen
La Ley 2381 de 2024, impulsada por el gobierno del presidente Gustavo Petro, introdujo una profunda reforma al sistema pensional colombiano, reemplazando el esquema de regímenes independientes por un modelo de pilares. Esta transformación, orientada oficialmente hacia la equidad y la solidaridad, ha generado un amplio debate nacional por sus implicaciones jurídicas, financieras y sociales. Uno de los cambios más significativos es la derogación de la prestación económica de devolución de saldos, figura que permitía a los afiliados al Régimen de Ahorro Individual con Solidaridad recuperar en un pago único el capital acumulado en su cuenta individual cuando no cumplían los requisitos para acceder a la pensión.
Law 2381 of 2024, promoted by the government of President Gustavo Petro, introduced a deep reform of the Colombian pension system, replacing the scheme of independent regimes with a pillar-based model. This transformation, officially aimed at equity and solidarity, has sparked a broad national debate over its legal, financial, and social implications. One of the most significant changes is the repeal of the lump- sum refund benefit, which allowed members of the Individual Savings with Solidarity Regime to withdraw, in a single payment, the capital accumulated in their individual account when they did not meet the requirements to obtain a pension.
Law 2381 of 2024, promoted by the government of President Gustavo Petro, introduced a deep reform of the Colombian pension system, replacing the scheme of independent regimes with a pillar-based model. This transformation, officially aimed at equity and solidarity, has sparked a broad national debate over its legal, financial, and social implications. One of the most significant changes is the repeal of the lump- sum refund benefit, which allowed members of the Individual Savings with Solidarity Regime to withdraw, in a single payment, the capital accumulated in their individual account when they did not meet the requirements to obtain a pension.
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Palabras clave
Reforma pensional, Pilares pensionales, Justicia contributiva, Sostenibilidad financiera, Seguridad social
