The beginning of April marks a period of high financial pressure for Chilean families due to the annual tax filing season (Operación Renta) with the Internal Revenue Service (SII). In this context, several state benefits remain available to provide economic support to those who have lost their jobs.
Different types of assistance are available depending on the applicant's previous employment status. The primary options include the Solidarity Unemployment Fund (FCS) and the Unemployment Subsidy.
The Solidarity Unemployment Fund is intended for those who lack sufficient funds in their Individual Unemployment Account or have exhausted their insurance. To qualify for this benefit, workers must prove at least 10 contributions paid within the last 24 months.
Additionally, the last three contributions must be continuous and under the same employer. The contract must have ended for valid reasons, such as expiration of term or force majeure, and the applicant must be registered with the National Employment Exchange (BNE).
Subsidy and Insurance Options
For those who do not meet the requirements for unemployment insurance, the Social Security Institute (IPS) or compensation funds (cajas de compensación) administer the Unemployment Subsidy. This benefit lasts for a maximum of 360 days.
The subsidy includes services such as free medical care, family allowances, maternity allowances, and death benefits. Applications must be processed directly through the relevant institution, depending on the specific case.
On the other hand, Unemployment Insurance provides financial support in the event of layoffs, resignations, or contract terminations. Requirements vary by contract type: at least 10 contributions are required for indefinite contracts, while a minimum of five is required for fixed-term or project-based contracts.
Applications for this insurance can be managed in person or through the virtual branch of the Unemployment Fund Administrator (AFC). Finally, registration with the National Employment Exchange (BNE) remains a mandatory step for those seeking to access the Solidarity Unemployment Fund.