ONP provides economic insurance for workers who work in these areas from S/59 per month in Peru: What are the benefits and what does it cover?

The Pension Standardization Office (ONP), in order to provide protection against accidents, occupational diseases or disability offers a type of Economic Insurancewhich offers additional coverage to the Social Security of Health (ESSALUD) for these workers and their families.

This surewhich can be acquired from S/ 59 per month, allows employers to provide comprehensive protection to their workers. So that the well -being of the worker and financial support for their relatives in adverse situations derived from the performance of their functions.

What is complementary risk work insurance – SCTR Pension?

Complementary risk work insurance (SCTR) Pension is a mandatory insurance in the Peruregulated by Law No. 26790. It is aimed at workers who perform activities classified as high risk, including mining, construction and fishing, as established in Annex 5 of Supreme Decree No. 009-97-SA.

Its purpose is to provide economic protection in case of occupational accidents or occupational diseases, ensuring access to a pension due to disability or, in case of death, a benefit for the relatives of the insured. This insurance guarantees financial stability to workers and their dependents in situations that may compromise their work capacity.

These workers can access the pension

The workers That they can access this insurance are those who participate in high -risk productive activities, for example:

• Mining: exploration, extraction and mineral processing.
• Civil construction: works in buildings, bridges, roads and infrastructure works.
• Manufacturing industry: production of explosives, chemicals and metallurgy.
• Industrial fishing: Capture, processing and conservation activities of marine products.
• Energy and electricity: installation, maintenance and operation of electrical networks.
• Transport: works on railroads, aviation and maritime transport.
• Hydrocarbons: exploration, extraction and refining of oil and gas.
• Agroindustry: Use of heavy machinery and handling of chemical substances.

What is the coverage provided by the SCTR pension?

He Complementary Risk Work Insurance – SCTR Pension Provides various economic coverage, namely:

Survival pension

This benefit is granted to the spouse, cohabiting, children and/or parents of the insured, in accordance with the regulations of the SCTRin case of death due to an accidental accident or a professional illness.

Funeral expenses

In case of death of an insured, the ONPin its role as insurer, it will reimburse the funeral expenses to the natural or legal person that has covered them, with a present presentation of the original documents that support the expense.

Disability pension

Payment to the insured is made as a result of a work accident or a professional illness. The pension begins to be granted once the subsidy period of EsSaludconsidering the seriousness of the injury.

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