Resumen

VILLAGOMEZ AMEZCUA, F. Alejandro  y  RAMIREZ SIERRA, Gabriel Darío. Pensión universal proporcional. Una propuesta para México. El trimestre econ [online]. 2014, vol.81, n.324, pp.839-874. ISSN 2448-718X.

Contributory pension system coverage has been historically low. High mobility between formal and informal sector results in low contribution density which does not guarantee a minimum pension. The state has created cash transfer programs, which can disincentive formality. This paper proposes a proportional pension for formal employees, which replaces the fixed cash transfer, following the experience of Chile (2008). We follow the Valdés-Prieto approach (2008), which minimizes la-bor-market distortions. Under the assumption of linear income trajectory, we show that the total value of pensions can increase in 45.6% on average, and fiscal savings in 14.8% when compared to a non-contributory pension programas “65 y más”.

Palabras llave : pensiones no contributivas; sistema de ahorro para el retiro; seguridad social; pensiones alternativas; programas asistenciales para adultos mayores.

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