Análisis jurídico del régimen de ahorro individual con solidaridad en el sistema pensional Colombiano
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Fecha
2019
Autores
Arrieta Silva, Samir
Meza Ortiz, Oscar Eduardo
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Ediciones Universidad Simón Bolívar
Facultad de Ciencias Jurídicas y Sociales
Facultad de Ciencias Jurídicas y Sociales
Resumen
La seguridad social, especialmente lo que se refiere a las prestaciones económicas o pensión, adquiere relevancia en la vida del hombre, en razón que ella le significa mantener un nivel en su calidad de vida en condiciones dignas al final de su vida laboral, o cuando por algún imprevisto se ve forzado a prescindir de ella. Por esto cualquier aviso de reforma pensional es inquietante por el impacto y las consecuencias que puede ocasionar su implementación, más cuando los anuncios van encaminados a desmontar beneficios y modificar requisitos de edad y semanas de cotización.
Es así que el Régimen de Ahorro Individual con Solidaridad establecido por la Ley 100 de 1993, es mirado por muchos como la solución a la crisis que afronta el sistema pensional colombiano por las debilidades estructurales que ofrece el Régimen de Prima Mediaadministrado por Colpensiones. El RAIS ofrece a sus afiliados diversas opciones para que logren el reconocimiento pensional incluso en una de ellas antes de cumplir la edad requerida para ello, siendo administrado este régimen por los Fondos privados de pensión y financiada por los mismos afiliados durante su vida laboral teniendo la posibilidad de realizar aportes voluntarias para incrementar su capital. Se hace necesario analizar la viabilidad de instaurar el RAIS como único régimen en el sistema pensional ante una nueva propuesta de reforma pensional que pretende solucionar con ello la crisis del sector.
Social security, especially as regards economic benefits or pensions, acquires relevance in the life of men, because it means maintaining a level of quality of life in dignified conditions at the end of their working life, or when for some unforeseen is forced to dispense with it. For this reason, any notice of pension reform is disturbing because of the impact and consequences that its implementation can cause, especially when the announcements are aimed at dismantling benefits and modifying age requirements and contribution weeks. Thus, the Individual Savings with Solidarity Regime established by Law 100 of 1993, is regarded by many as the solution to the crisis facing the Colombian pension system due to the structural weaknesses offered by the Medium Premium Regime administered by Colpensiones. The RAIS offers its members various options to achieve pension recognition even in one of them before reaching the age required for this, being administered this scheme by private pension funds and financed by the same members during their working life having the possibility of making voluntary contributions to increase your capital. It is necessary to analyze the feasibility of establishing the RAIS as the only regime in the pension system before a new pension reform proposal that aims to solve the crisis in the sector.
Social security, especially as regards economic benefits or pensions, acquires relevance in the life of men, because it means maintaining a level of quality of life in dignified conditions at the end of their working life, or when for some unforeseen is forced to dispense with it. For this reason, any notice of pension reform is disturbing because of the impact and consequences that its implementation can cause, especially when the announcements are aimed at dismantling benefits and modifying age requirements and contribution weeks. Thus, the Individual Savings with Solidarity Regime established by Law 100 of 1993, is regarded by many as the solution to the crisis facing the Colombian pension system due to the structural weaknesses offered by the Medium Premium Regime administered by Colpensiones. The RAIS offers its members various options to achieve pension recognition even in one of them before reaching the age required for this, being administered this scheme by private pension funds and financed by the same members during their working life having the possibility of making voluntary contributions to increase your capital. It is necessary to analyze the feasibility of establishing the RAIS as the only regime in the pension system before a new pension reform proposal that aims to solve the crisis in the sector.
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Palabras clave
Modalidades de pensión en el RAIS, Pensión, Régimen de Ahorro Individual con Solidaridad, Régimen de Prima Media con Prestación Definida, Sistema General de Pensiones, Types of pension in the RAIS, Pension, Individual Savings System with Solidarity, Medium Premium Scheme with Defined Benefit, General Pension System
