Every month, workers affiliated with the private pension system (Spp) They contribute a percentage of their salary to form a fund that guarantees a pension in their retirement stage. The employer is responsible for retaining and transferring these contributions to the pension fund manager (AFP) corresponding. However, in some cases, money does not become registered in the individual capitalization account (CIC) of the affiliate, which could affect the accumulated amount for withdrawal.
For this reason, it is essential to periodically review the account status, where the deposits made and the Profitability generated by AFP. This document allows to verify if the contributions have been correctly registered and evaluate the growth of the fund over time. According to historical data, in the last 30 years, the SPP has offered an average nominal profitability of 10% per year, which has contributed to the accumulation of the pension savings of the affiliates.
Do not deposit contributions in your AFP: How can you check your account status?
The AFP Association (AAFP) He informed that the easiest way to check if an employer makes the deposits of the pension contributions is to review the AFP statement monthly and compare it with the detail of the payment tickets delivered in the work center.
“The easiest way to verify if your employer meets to deposit your contributions is to review the account status of your AFP Every month and compare that information with the detail of the payment tickets where you work, ”he said.
To carry out this verification, the affiliates can enter the website of their corresponding AFP, either AFP habitat, AFP integrates, AFP or Profuturo AFP. They also have the option of accessing this information through the mobile applications of each administrator.
No contributions have been made to my fund: What happens to my statement?
If it is detected that deposits have not been made, it is necessary to immediately contact the AFP so that it can initiate the employer’s collection process. Depending on the case, the recovery of the contributions can be made by administrative or judicial route, which includes from formal notifications to legal measures such as embargoes or criminal complaints.
It should be noted that the funds accumulated in the Individual Capitalization Account (CIC) They are intangible and unattachable, which means that they cannot be subject to withholdings or discounts, guaranteeing the security of the pension savings of the affiliates.
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Source: Larepublica
Alia is a professional author and journalist, working at 247 news agency. She writes on various topics from economy news to general interest pieces, providing readers with relevant and informative content. With years of experience, she brings a unique perspective and in-depth analysis to her work.
