{"id":252,"date":"2021-12-13T16:27:55","date_gmt":"2021-12-13T16:27:55","guid":{"rendered":"https:\/\/clientes.seomarketing.cl\/legalprisma\/que-son-las-cotizaciones-previsionales\/"},"modified":"2026-10-13T14:34:51","modified_gmt":"2026-10-13T14:34:51","slug":"que-son-las-cotizaciones-previsionales","status":"publish","type":"post","link":"https:\/\/clientes.seomarketing.cl\/legalprisma\/que-son-las-cotizaciones-previsionales\/","title":{"rendered":"\u00bfQu\u00e9 son las cotizaciones previsionales?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" src=\"https:\/\/www.legalprisma.cl\/wp-content\/uploads\/2023\/10\/79_11zon.jpg\" alt=\"cotizaciones previsionales\" class=\"wp-image-2474\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">El d\u00eda de ayer el<strong> Presidente Sebastian Pi\u00f1era<\/strong> anunci\u00f3 el proyecto de Ley que crea la <strong>Pensi\u00f3n Garantizada Universal<\/strong>, asignaci\u00f3n que llegar\u00e1 al 90% m\u00e1s vulnerable. Por otro lado, el congreso ha determinado rechazar <strong>el cuarto retiro del 10%<\/strong>, debido a las consecuencias inflacionarias que tendr\u00eda esta medida. Hoy, las <strong>cotizaciones previsionales<\/strong> est\u00e1n en el ojo del hurac\u00e1n, por lo que es necesario saber lo que son y c\u00f3mo se manejan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En \u00e9poca de pandemia, los <strong>retiros del 10%<\/strong> de los <strong>fondos de pensiones<\/strong> de los afilados al sistema, han sido una soluci\u00f3n paliativa para enfrentar la <strong>crisis econ\u00f3mica<\/strong> que enfrenta la sociedad chilena. Tomando en cuenta las distintas consecuencias que conlleva sacar parte de tus cotizaciones previsionales.<\/p>\n\n\n<h3 class=\"wp-block-heading\" id=\"Que_son_las_cotizaciones_previsionales_y_por_que_son_tan_imp\"><strong>\u00bfQu\u00e9 son las cotizaciones previsionales y por qu\u00e9 son tan importantes?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Las cotizaciones previsionales son aportes que realizan tanto el empleador y los trabajadores a fondos de pensiones por conceptos de jubilaci\u00f3n y salud<\/strong>. Siempre con la finalidad de garantizar un acceso a la salud y a una pensi\u00f3n de vejez. Estas cotizaciones son obligatorias tanto para los trabajadores con contrato o los que ejercen de forma independiente, debiendo pagarse hasta el d\u00eda de tu jubilaci\u00f3n.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sin embargo, algo que se ha discutido en estos \u00faltimos a\u00f1os, es la poca variedad de sistemas previsionales tanto de salud y de vejez. Hoy, los trabajadores tienen derecho a exigir el pago de cotizaciones previsionales y de salud, ingresando de \u00e9sta forma a las siguientes instituciones, dependiendo de la calidad que ostenten, de trabajador del sector privado, publico o fuerzas armadas y de orden.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Administradora de fondos de pensiones (AFP)<\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.ips.gob.cl\/\" target=\"_blank\" rel=\"noreferrer noopener\">Instituto de Previsi\u00f3n Socia<\/a>l (IPS)<\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.dipreca.cl\/\" target=\"_blank\" rel=\"noreferrer noopener\">Direcci\u00f3n de Previsi\u00f3n de Carabineros de Chile<\/a> (Dipreca)<\/strong><\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.capredena.gob.cl\/\" target=\"_blank\" rel=\"noreferrer noopener\">Caja de Previsi\u00f3n de la Defensa Nacional<\/a> (Capredena)<\/strong><\/li>\n<\/ul>\n\n\n<h3 class=\"wp-block-heading\" id=\"Para_quien_son_obligatorias\">\u00bf<strong>Para qui\u00e9n son obligatorias?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Las cotizaciones previsionales son de car\u00e1cter obligatorio<\/strong>. En el caso de las mujeres y hombres con trabajos dependientes e independientes menores a 60 a\u00f1os y 65 a\u00f1os respectivamente. Estos deben cotizar los siguientes puntos:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>El 10% o hasta el 12% de la remuneraci\u00f3n imponible.<\/strong><\/li>\n\n\n\n<li><strong>El 0.77% destinado al financiamiento de administraci\u00f3n.<\/strong><\/li>\n\n\n\n<li><strong>El 7% de prestaciones de salud (Fonasa o Isapre).<\/strong><\/li>\n\n\n\n<li><strong>El 1,53% a la cobertura del seguro de invalidez y sobrevivencia.<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">El trabajador dependiente deber\u00e1 esperar que su&nbsp; empleador pague las cotizaciones previsionales correspondientes al <strong>mes.<\/strong> Todo en un plazo de los 10 primeros d\u00edas del mes siguiente al que se le devengaron las remuneraciones. Sin embargo, dicho plazo puede ser extendido a 13 d\u00edas en caso de que el medio por el que se cancelaran dichas cotizaciones sea un medio electr\u00f3nico<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por otro lado, <strong>los trabajadores independientes, al momento de cotizar deben afiliarse a cualquiera de las AFP<\/strong>. As\u00ed, el mismo deber\u00e1 realizar los pagos que correspondan de forma presencial o electr\u00f3nica.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Las cotizaciones se deben pagar siempre a tiempo, de lo contrario se pueden tener problemas legales bastantes serios, pudiendo demandar tanto el trabajador como las propias instituciones previsionales al empleador.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En <a href=\"https:\/\/www.legalprisma.cl\/\" target=\"_blank\" rel=\"noreferrer noopener\">Legal Prisma<\/a>, te asesoramos en todo lo relacionado en Seguridad Social y Previsional, todo con el fin de evitar posibles conflictos jur\u00eddicos entre los intervinientes como entregar soluciones a las mismas.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El d\u00eda de ayer el Presidente Sebastian Pi\u00f1era anunci\u00f3 el proyecto de Ley que crea la Pensi\u00f3n Garantizada Universal, asignaci\u00f3n que llegar\u00e1 al 90% m\u00e1s vulnerable. Por otro lado, el congreso ha determinado rechazar el cuarto retiro del 10%, debido a las consecuencias inflacionarias que tendr\u00eda esta medida. Hoy, las cotizaciones previsionales est\u00e1n en el\u2026<\/p>\n","protected":false},"author":1,"featured_media":781,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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