Dismissal funds could include complements for retirement

Dismissal funds could include complements for retirement

The Customs Collection and Control Agency (ARCA) established through a resolution, this week, that the amounts charged by workers that opt for what Labor cessation insuranceinstead of traditional compensation, They will not suffer from profits taxes.

That was the last measure of the State that nCompanies were needed specialized in retirement insurance for start the offer of that new product. There are some that are in contact with unions, as with business cameras.

Irene Capusselli, head of the Association of Life and Retirement Insurers of Argentina (Avira) explained in dialogue with Financial field that the signatures of the sector are subject to the withholding regime that starts from resolution 830 (AFIP) for the Income Tax. “Every time a client makes a rescue, we retain 3% of the income tax. Then, this resolution issued by Arca this week is to exclude from that regime everything that is charged in the products of Labor Tireless Fund ”.

Ark’s definition was necessary for match with common compensation that are not subject to discounts of that type. Not to do so puts the funds that the Government intends to be installed as a modality in the world of labor relations.

As he acknowledged in public statements a few weeks ago andThe deregulation minister, Federico Sturzenegger, There is no clamor from business chambers, such as unions, to try to include this option for employees. Only Rural Society, the private and gastronomic surveillance union showed some interest.

The labor cessation fund is an option that must be included in collective agreements through a negotiation between part. What can be attractive to a union is that the form that the insurance adopts will be defined in the negotiation.

The person who Access a job would have to choose between the new scheme and traditional compensation. For the new system to work, it has to offer advantages.

“In the agreement it will be foreseen. They will define a lot of things that are not defined by law. For example, the contribution, what is the percentage of contribution that the employer has to make? In what other conditions in addition to the dismissal of the dismissal without cause can the employee collect something of that fund? Said the head of Avira.

Capuccelli explained: “For example, The agreement could say that before the employee waived, x% of his fund could be taken. That is, there are a lot of things to work to make a product that really is interesting for the parties. ”

The directive stressed that employees “They will have total transparency of the funds that are accredited and how they are gaining interest. ”

“But what we need is that the agreement provides certain situations in which the employee those funds may not only be the dismissal And that somehow affects the employee of saying ‘I am interested in being in this system,’ ”he added.

The head of Avira said that It may be the case of serious illness in the family that allows to make “a rescue of fortnight of funds”. That could be applied to other situations.

“It could be another possibility that at the time of retirement the person could rescue a amount of silver. Today a person who is in a 25 -year -old company retires and does not take anything, ”he explained.

According to Puriccelli “we are in a good panorama.” “Let’s say this we could not be talking to two -digit inflation levels, ”he said By pointing out that long -term savings conditions require economic stability.

Source: Ambito

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