¿Cómo vamos con el otorgamiento de las pensiones de invalidez en el sistema privado de pensiones peruano?
Date
2024-03-07
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Pontificia Universidad Católica del Perú
Abstract
El presente artículo busca evaluar la situación actual de las
pensiones de invalidez en el Sistema Privado de Pensiones Peruano (SPP) y dar
respuesta a la problemática de ¿cómo vamos con el otorgamiento de las
pensiones de invalidez? A su vez, de esta problemática se desprenden una serie
de cuestionamientos internos que involucran el definir la pensión de invalidez,
cuáles son los requisitos para la evaluación, calificación y posterior otorgamiento
de pensión, qué instrumentos se requieren y quiénes determinan la condición de
invalidez; al igual que determinar cuál es el marco de protección del derecho
para acceder a una pensión digna. Asimismo, también surgen cuestionamientos
respecto a si desde la mirada médica y normativa existe un grupo de
enfermedades que son referentes para determinar la invalidez; y con relación a
ello y a la identificación de retos del sistema de pensiones se desarrolla cómo la
falta de interconexión entre el SPP y el MINSA/EsSalud termina siendo una
necesidad para poder determinar una condición de invalidez. En ese sentido, el
sistema debería tenerlo mapeado como objetivo con el fin de poder garantizar
una mejor calificación de las pensiones de aquellos afiliados que lo requieran.
Esta investigación se guía de informes, boletines, artículos académicos y
normativa legal en el ámbito nacional e internacional con el objetivo de brindar al
lector la realidad de las pensiones de invalidez en el SPP.
This article seeks to evaluate the current situation of disability pensions in the Peruvian Private Pension System (SPP) and respond to the problem of how are we doing with the granting of disability pensions? In turn, this problem raises a series of internal questions that involve defining the disability pension, what are the requirements for the evaluation, qualification and subsequent granting of a pension, what instruments are required and who determines the condition of disability; as well as determining what is the framework of protection of the right to access a decent pension. Likewise, questions also arise as to whether from the medical and normative point of view there is a group of diseases that are referents to determine disability; and in relation to this and to the identification of challenges of the pension system, it is developed how the lack of interconnection between the SPP and the MINSA/EsSalud ends up being a necessity to be able to determine a condition of disability. In that sense, the system should have it mapped as an objective in order to guarantee a better rating of the pensions of those affiliates who require it. This research is guided by reports, bulletins, academic articles and legal regulations at the national and international level with the aim of providing the reader with the reality of disability pensions in the SPP.
This article seeks to evaluate the current situation of disability pensions in the Peruvian Private Pension System (SPP) and respond to the problem of how are we doing with the granting of disability pensions? In turn, this problem raises a series of internal questions that involve defining the disability pension, what are the requirements for the evaluation, qualification and subsequent granting of a pension, what instruments are required and who determines the condition of disability; as well as determining what is the framework of protection of the right to access a decent pension. Likewise, questions also arise as to whether from the medical and normative point of view there is a group of diseases that are referents to determine disability; and in relation to this and to the identification of challenges of the pension system, it is developed how the lack of interconnection between the SPP and the MINSA/EsSalud ends up being a necessity to be able to determine a condition of disability. In that sense, the system should have it mapped as an objective in order to guarantee a better rating of the pensions of those affiliates who require it. This research is guided by reports, bulletins, academic articles and legal regulations at the national and international level with the aim of providing the reader with the reality of disability pensions in the SPP.
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Seguros de invalidez--Perú, Seguridad social--Perú, Pensiones--Perú
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