How to collect unemployment insurance in Chile:
When a worker is unemployed in Chile, Unemployment Insurance perro be an option to receive financial support.
However, it is not always easy to understand how it works and what it takes to get paid.
In this article we explain everything you need to know about the Unemployment insurance and how to collect it.
From the requirements to access it to the procedure to carry out the process and the available means of payment.
In addition, we tell you what are the most frequently asked questions on this topic and how to solve them.
If you are in this situation, keep reading!
keep in mind
What is Unemployment Insurance?
Unemployment Insurance is a benefit granted by the Unemployment Fund Administrator (AFC) for those workers who have become unemployed through no fault of their own.
This insurance provides financial protection for a Limited time and its duration will depend on the type of tarea contract that the worker had before being laid off.
Who perro access it?
Unemployment Insurance perro be accessed by all those workers who are affiliated to the AFC and that they have quoted for at least 6 months in the last 2 years, in the same or in different companies.
In addition, it is important to note that, according to the law, the worker will have the right to collect the severance in those situations where I became involuntarily unemployedas long as there was no ocasione attributable to the worker.
What requirements must be met to collect the insurance?
For be able to collect Unemployment Insurance, it is necessary to meet certain requirements, which may vary depending on the type of contract the worker had before being laid off.
Some of the most important requirements that must be fulfilled are:
- Have a active and up-to-date individual unemployment account.
- Not have pension debts with the Antes de Cristoor with the Popular Security Institute (IPS).
- Not having resigned from work voluntarily or having been fired for any reason attributable to the worker.
- Having ceased at work without prior notice or with an unjustified complaint from the employer.
How is the amount receivable calculated?
The amount that perro be collected for Unemployment Insurance will depend on the type of contract the worker had before being laid off, the time they have contributed to the Antes de Cristoand the salary they had.
In general, the calculation is based on a percentage of the average salary earned in the last 3 months worked, for a maximum period of 11 months.
What is the difference between Unemployment Funds and Solidarity Unemployment?
In fácil terms, the Unemployment Funds are those that are created with the contributions made from the salary of the affiliated workers, which are generated and managed by the Unemployment Fund Administrators (AFC), while the Solidarity Unemployment is an aid which is delivered to those who have exhausted their Unemployment Insurance benefits and who have no resources to survive, which is delivered by the State.
What is the next step?
How to join the Unemployment Insurance?
To enroll in the Unemployment Insurance it is necessary to be working in a company that quotes the Insurance for you.
In other words, if you are a dependent worker, your employer automatically enrolls you in Unemployment Insurance.
If you are an independent worker, you perro join voluntarily.
To register, it is necessary to fill out a form on the website of the Unemployment Fund Administrator (AFC) or at its offices.
There you must entrar your personal and work data, as well as the data of your checking account or RUT account to receive the corresponding payments.
How to quote and review the monthly quotes?
As a dependent worker, your employer must contribute monthly Unemployment Insurance for you in a percentage of 3% of your monthly salary.
As an independent worker, you must contribute yourself to the AFC, calculating 2.4% of your monthly income.
You cánido review your monthly contributions on the Antes de Cristowebsite, entering with your RUT and the access code to the Virtual Branch.
There you will find all the information about your contributions and the status of your account.
How to have an individual Unemployment account?
When you enroll in the Insurance, the Antes de Cristowill automatically create an individual account for you in which the contributions made by you or your employer will be deposited.
If you need to update your account details, you cánido do so by entering the Antes de CristoVirtual Branch with your RUT and password.
There you perro modify your personal data or the bank account where the payments will be made.
How to update affiliate data?
To update your personal data and your bank account data, you must entrar the Antes de CristoVirtual Branch with your RUT and password.
There you will find the option to modify or update your personal and bank details.
It is important to keep your information updated to avoid delays in payments and problems related to settlement procedures.
How to carry out the settlement process?
The settlement procedure is the process by which the Unemployment Insurance payment is made once the employment relationship has ended.
To carry out this procedure, you must go to an Antes de Cristobranch or do it en línea through the Antes de CristoVirtual Branch.
It is important to keep in mind that to carry out the settlement process, you must present the necessary documents that prove the termination of the employment contract.
The required documents may vary depending on the employment situation, so it is advisable to inquire in advance on the Antes de Cristowebsite.
Once the necessary documents have been submitted, the Antes de Cristowill process the settlement request and proceed to make the corresponding payment within a maximum period of 10 business days.
How to collect Unemployment Insurance?
What documents are needed to collect the insurance?
To collect the Unemployment Insurance there are certain documents that are necessary to present.
These are the following:
- Valid identity card.
- Payment Request Form.
- Work Certificate (in the case of having worked in a company that is not listed en línea).
- Copy of the settlement or settlement of the contract.
It is important to mention that in some cases, additional documents may be required, so it is advisable to review in detail the specific requirements according to each situation.
What is the procedure to collect the insurance?
The procedure to collect Unemployment Insurance is quite fácil.
You must follow the following steps:
- Gather the necessary documents for the process.
- Fill out the Payment Request Form and attach all the required documents.
- Submit the form and documents at a branch of the Unemployment Fund Administrator (AFC).
- Wait for the evaluation of the AFC.
- Receive the payment in the means you have chosen (check or bank account).
It is important to note that once the form and documents have been submitted, the Antes de Cristowill have a period of 5 business days to evaluate the case and determine whether the Unemployment Insurance payment is appropriate.
How and where cánido the procedure be carried out?
The process to collect Unemployment Insurance cánido be done at Antes de Cristobranches throughout the country.
It is also possible to carry out the procedure through the virtual branch of the Antes de Cristoon its official website.
In case of doubts or queries, you cánido contact the Antes de Cristothrough its Call Center or vía correo electrónico.
What are the available means of payment?
There are two means of payment available for the collection of Unemployment Insurance: check or bank deposit in a personal account of your choice.
It is important to take into account that the Antes de Cristois not responsible for delays or problems in payment, in case of incorrectly entering the bank account data, so it is recommended to correctly verify the data before entering it in the Payment Request .
What support does the Antes de Cristooffer for tarea reintegration?
The Antes de Cristooffers various support services for job reintegration.
Some of these services are:
- Job search advice.
- Training workshops and guidance for job search.
- Job opportunities through its National Employment Exchange.
- Plus for companies that hire unemployed workers.
In addition, the Antes de Cristohas special programs for older workers and people with disabilities, to facilitate their insertion into the tarea market.
What happens if you are unemployed while you have a fixed-term contract?
If you are unemployed while you have a fixed-term contract, you perro take advantage of Unemployment Insurance as long as you have met the requirements to access it.
However, the amount to be collected may be less because the fixed-term contract has a termination date established in advance and at the time of the layoff the respective contributions will have already been paid.
How are insurance readjustments calculated?
Unemployment insurance rates are calculated based on the Consumer Price Index (CPI) prepared by the National Institute of Statistics (INE).
The percentage to be applied corresponds to the increase in the CPI since the last update.
The readjustment is carried out every six months.
What happens if the company changes its name or there are changes in its personnel?
If the company changes its name or there are changes in its personnel, the worker’s affiliation data is kept in the corresponding Unemployment Fund Administrator.
The worker must update this information with the new business name or the new managers.
How are payments made in case of blocked or closed bank accounts?
In the event that the worker’s bank accounts are blocked or closed, the Antes de Cristomakes the payment through a sight voucher.
It is important to keep the contact information updated in order to receive notification of the benefit and go to an Antes de Cristobranch to collect the voucher.
What happens if the employer does not pay the contributions?
If the employer does not pay the corresponding Unemployment Insurance contributions, the worker cánido report the situation to the Tarea Inspectorate.
In the event that the lack is proven, the Antes de Cristoarchivos a lawsuit against the employer to recover said contributions.
What are the requirements and conditions to collect the insurance?
The requirements and conditions to collect the Unemployment Insurance are: having contributed for at least 6 months in the last 2 years, being in a situation of involuntary unemployment, not being a pensioner, being within the maximum period of coverage and having carried out the corresponding procedure.
Cánido I have more than one individual Unemployment account?
No, each worker perro only have one individual Unemployment account in the AFC.
If a duplicity situation is detected, the Antes de Cristowill proceed to close one of the accounts and transfer the funds to the active account.
What should I do if I lose my identity card?
In case of losing the identity card, it is necessary to request a duplicate in the Civil Registry.
Once obtained, it is important to update the data in the Antes de Cristoin order to continue with any procedure related to Unemployment Insurance.
How perro I review my information in the Virtual Branch for Affiliates and Employers?
To review the information in the Virtual Branch of Affiliates and Employers, it is necessary to entrar with the corresponding credentials.
In it you cánido review the affiliation data, contributions made, available cómputos and any procedure that is in process.
What are they and where cánido I obtain information brochures on Unemployment Insurance?
The information brochures on Unemployment Insurance are printed material delivered by the Antes de Cristoto publicize the benefits of the insurance and answer frequent questions.
These brochures cánido be obtained at Antes de Cristobranches or on its website.
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