He Guatemalan Social Security Institute (IGSS) It has a regulatory framework that regulates the return of the contributions made by the affiliates during their working life.
However, this procedure only applies in specific situations, in accordance with the provisions of the Article 19 of Agreement 1124 of the IGSS Board of Directors.
Next, the scenarios in which an affiliate can request the reimbursement of your quotas and the corresponding exceptions, as part of the current guidelines of the Social Security System in Guatemala.
IGSS quota reimbursement for rights extinction
He IGSS quota reimbursement It only proceeds when the affiliate ceases to be a mandatory taxpayer and has extinguished their rights – file or end – to benefits within the regime.
The extinction of rights implies the total loss of access to the benefits of the system, either by definitive labor withdrawal or for not complying with the minimum requirements to opt for a retirement pension.
In these cases, the regulation contemplates the possibility of requesting the return of the quotas provided.
A common example is presented when the affiliate reaches the minimum age to opt for old age pension —It’s 60 years old, but does not accumulate quotas necessary to access this benefit –240 installments– And in addition, it ends its employment relationship – that is, in the company The relationship ends and it can be considered that you will not have access to join the labor market.
In This panorama the affiliate can request a unique assignment to the IGSShe explains Claudia SentesChief of the Department of Invalidéz, Vejéz and Survival (IVS) of the institution.
What is the unique assignment of the IGSS?
This benefit consists in the payment of 70% of the total work quotas contributed during the affiliation period.
The unique allocation is a unique and definitive payment that replaces the monthly pension and extinguishes (eliminates) Another right within the pension regime.
Claudia Sentes comments that one of the important requirements is that the affiliate has been contributing to Social Security in the last 12 months.
To manage it, it is necessary to meet other requirements established by the IGSS and present the corresponding documentation.
The note may also be interested: How many IGSS installments are missing to retire? This is the process to verify it
How many years of contribution to the IGSS represent 240 installments?
In the regime of Guatemalan Social Security Institute (IGSS), 240 installments They are equivalent to 20 years of continuous contributionsconsidering that every working year is composed of 12 months of contribution.
This period is essential to meet the established requirements to access benefits such as old age pension.
However, if a worker interrupts the payment of his contributions, the IGSS contemplates alternatives to avoid the loss of acquired rights.
Grace period
He grace period (30 days, according to the current regulations) It is a period established by the IGSS during which the affiliate maintains the coverage of certain benefits, despite having suspended their contributions for a limited time.
Voluntary taxpayer
Another available option is to continue as voluntary affiliatewhich allows the worker to continue making contributions to the system independently, without the need to be linked to a formal employment relationship.
Both mechanisms seek retirement without losing the accumulated benefits.
The following note may also be interested: IGSS Affiliate Portal allows online procedures without employer without intervention.
Is it possible to request refund in cases of disability or survival?
In situations of disability either Survivaldoes not apply quota refund.
Instead, the IGSS provides coverage through specific pensions aimed at protecting both the affiliate and its beneficiaries.
Disability pension
When an affiliate is incapacitated to generate income due to proven disability, you have the right to request a Disability pensionprovided that it meets the requirements stipulated by the IGSS Regulation.
This benefit replaces any possibility of reimbursement of the quotas provided.
It should be noted that, if the affiliate does not meet the 36 months of contribution required, it could access the pension if the disability results from an accident. In these cases, the calculation of the pension considers the wages accrued during the last six years.
Survival pension
In case of death of the affiliate or pensioner, the beneficiaries who depended economically on it have the right to receive the Survival pensionwhich is granted instead of any return of contributions.
This benefit seeks to guarantee the economic protection of the direct relatives of the insured.
Likewise, if the death occurs before completing the 36 months of contribution, the beneficiaries can access the pension for survival, provided that the conditions provided in the regulation are met. When the cause of death is an accident, it is not necessary to have complied with the minimum of quotas.
Recommendations to request the reimbursement of quotas from the IGSS
Before managing any request for IGSS contribution reimbursement, It is essential that the affiliate verify if it meets the conditions provided in the regulation.
In addition, it must gather and present the required documentation, such as labor certifications, contribution records and identification documents.
He Guatemalan Social Security Institute strictly regulates the cases in which the return of contributions proceeds, limiting them only to situations of Extinction of rights And, specifically, when it is not possible to access an old -age pension.
For its part, the cases of disability and Survival They prioritize the protection of affiliates and their families through life pensions, without reimbursement option.
Given any questions or to receive personalized advice, it is recommended to go directly to the IGSS offices or consult its official web portal, where updated information on applicable procedures and regulations are published.