**Table 3: Social security, prevision and social assistance benefits, contributions and qualifying conditions**

|**Benefit**|**Amount, COP$**|**Conditions**|**Formal S**|**alaried**|**WORKER'S**<br>**Formal Self‐**|**CATEGORY**<br>**employed**|**Infor**|**mal**|
|---|---|---|---|---|---|---|---|---|
|_socioeconomic status_|||low|high|low|high|low|high|
|**A. SOCIAL SECURITY**|||||||||
|**Social insurance:**|||_(up to 4 min wages)_<br>_(_|_4 ‐ 25 min wages)_|_(up to 2.5 min wages)_|_(2.5 + min wages)_|||
|**Contributive Pension, P**|Depends on income|Compulsory|Contribution 4%|Contr 5 ‐ 6%|Contrib 16%<br>over 100%<br>of billed services|Contrib 16%<br>over 40%<br>of billed services|...<br>||
||||_Sisben 1, 2_|_Sisben 3+_|_Sisben 1, 2_|_Sisben 3+_|_Sisben 1, 2_|_Sisben 3+_|
|**Social Pension, PS**|COP$ 55,000‐ 75,000<br>if age 55+ *|Sisben 1 and 2; Age|Legally does n<br>but no cross‐checki|ot qualify<br>ngof databases|Legally does n<br>but no cross‐checki|ot qualify<br>ngof databases|Only if Sisben 1 an|d 2|
||||_no socioeconom_|_ic differential_|_(up to 2.5 min wages)_|_(2.5 + min wages)_|||
|**Contributive Health Care, S**|Complete access to health<br>care,categories 1,2 and 3|Compulsory|Employer's co<br>Contrib|ntrib 8.5%<br>4%|Contrib 12.5%<br>over 100% billed|Contrib 12.5%<br>over 40% billed|...||
||||_no socioeconom_|_ic differential_|_no socioeconom_|_ic differential_|||
|**Subsidised heath care, RSS**|Complete access cat. 1 and 3<br>only partial to cat. 2|Sisben 1 and 2|Legally does n<br>and cross‐checkin|ot qualify<br> gof databases|Legally does n<br>and cross‐checkin|ot qualify<br> gof databases|Only if Sisben 1 an<br>No connection to o|d 2<br>ccupation|
||||_no socioeconom_|_ic differential_|_no socioeconom_|_ic differential_|||
|**Labor Risks**|Depends on risk type|Compulsory for salaried<br>and voluntary for self‐employed|Employer's contributio|n: 0,5%‐9%|Voluntary (100% con|trib)|...||
|**Social Prevision:**|||_no socioeconom_|_ic differential_|_no socioeconom_|_ic differential_|||
|**Severance, V**|1 salary+ 12% interest|Compulsoryfor employer of salaried|YES||NO||...||
|**Holidays, V**|15 days of salary|Compulsoryfor employer of salaried|YES||NO||...||
|**Service Premium, V**|13rd monthlysalary|Compulsoryfor employer of salaried|YES||NO||...||
|**Transport, uniform, footwear**|9.1% minimum wage|Depends on type of work|YES||NO||...||
|**B. SOCIAL ASSISTANCE**|||||||||
|**ICBF, B**|Typically in kind|By income, household composition|_Sisben 1, 2_|_Sisben 3+_|_Sisben 1, 2_|_Sisben 3+_|_Sisben 1, 2_|_Sisben 3+_|
||(COP$19,150)|and displacement situation|YES|NO|YES|NO|YES|NO|
||||_Sisben 1, 2, 3_|_Sisben 4+_|_Sisben 1, 2, 3_|_Sisben 4+_|_Sisben 1, 2, 3_|_Sisben 4+_|
|**SENA, E**|Typically in kind|Jovenes en Accion, Jov Rurales|YES|NO|YES|NO|YES|NO|
||(COP$14,755)|Otherprograms|YES|YES|YES|YES|YES|YES|
||||_(up to 4 min wages)_|_(4+ min wages)_|_(up to 4 min wages)_|_(4+ min wages) _|_(up to 4 min wages_|_) (4+ min wages)_|
||Depends on income and||||||||
|**Family Compensation Fund, F**|household composition<br>|Compulsory benefit if income<br>|YES|NO|YES|NO|YES|NO|
||(departamental average, COP$||||||||
||<br>20,760)|<br>does not exceed 4 min wages|||||||
||||_(up to 4 min wages)_|_(4+ min wages)_|_(up to 4 min wages)_|_(4+ min wages)_|||
|**Unemployment Subsidy**|1.5 min wage total for|Provided by ICBF in kind or in|YES (if belongs to|NO|NO||YES||
|_("salaried" and "informal" workers!)_|lifetime)|cash|Fund)||||||
||||_Sisben 1_|_Sisben 2+_|_Sisben 1_|_Sisben 2+_|_Sisben 1_|_Sisben 2+_|
|**Accion Social, AS**|Depends on city, educational|Sisben 1 and displaced|YES **|NO|YES**|NO|YES|NO|
|_(Familias en Accion)_|level (not depends on number||** Cannot be received|if benefitting from|pension or health insur|ance|||
||of children)<br>(COP$ 11,600)||but, in practice, there i|s no cross‐check o|f information||||

Source: Authors’ estimates from DNP (2008a), Republic of Colombia (1993)’s Act 100 and (2002)’s Act 789; Superintendencia Subsidio Familiar (2010), SISGOB, Nuñez (2008).

Notes: (*) This average benefit is expressed in net present value for a worker retired at 65 and receiving it for 10 additional years. If discounted at 12%, NPV of that amount is COP $ 8,700 in 2008.

The law defines noncontributive health care and pensions in Colombia as part of the social security system, although in practice they operate as assistance programs, which are targeted to the poorest segment of the population, as ranked by Sisben. Similarly, unemployment subsidies are considered part of prevision benefits associated with labor circumstances, but, again, they act as a assistance program transferring very low amounts of cash (a total of one and a half monthly wage transferred over six months at a declining rate). In addition, the benefit is provided by family compensation funds, an agency typically transferring social assistance benefits such as the 12