Las políticas públicas para promover la previsión social complementaria

This article examines the various policy options that can be applied to promote supplementary social welfare plans, and assesses their validity based on experiences in countries where they have been implemented. Making such plans compulsory is shown to be one of the most effective ways of ensuring a high level of cover, adequate contributions and a high degree of fairness in the distribution of cover. However, other options for attaining high, consistent levels of cover include automatic joining, the provision of financial incentives and the development of financial training programmes, and the facilitating and simplifying of access and decision-making in regard to private pension plans. Finally, it is explained how important it is to assure the right design plans, bearing in mind their interaction with basic public sector provisions.