Es sabido que, a diferencia del Régimen de Prima Media con Prestación Definida, administrado por COLPENSIONES, el régimen de ahorro individual no exige ni edad ni semanas para adquirir el derecho pensional por vejez. Sin embargo, dicha regla encuentra su excepción en la garantía a la que se refiere este artículo, pues se establece que, con miras a obtener el derecho a la pensión de vejez en cuantía del salario mínimo mensual legal vigente, los hombres que hayan cumplido 62 años y las mujeres que hayan cumplido 57 años y hubieren cotizado mínimo 1.150 semanas, podrán acceder a la pensión a través del aporte que haga el estado para completar el capital requerido, conforme lo señala el art. 65 de la ley 100 de 1993.
Uno de los principios fundantes del ordenamiento jurídico colombiano es el de la solidaridad, el cual, tratándose del RÉGIMEN DE AHORRO INDIVIDUAL, es decir, el administrado por los fondos privados como PORVENIR, PROTECCION, COLFONDOS y SKANDIA, se traduce en una garantía para acceder a la pensión de vejez por parte de aquellos afiliados a dicho régimen que no cuentan con el capital suficiente para financiar una pensión, de acuerdo con los cálculos proyectados por el fondo respectivo.
En conclusión, para acceder a la garantía de pensión mínima en el RAIS, el afiliado debe acreditar la edad (62 hombres y 57 mujeres) y contar con un mínimo de 1.150 semanas cotizadas a lo largo de la vida laboral.
Equipo Jurídico
1 comentario en “¿QUÉ ES LA GARANTÍA DE PENSIÓN MÍNIMA DE VEJEZ EN EL RÉGIMEN DE AHORRO INDIVIDUAL CON SOLIDARIDAD?”
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