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There was no concept of a competition, and the corresponding cash desk did not consider

Necessary especially to try.

Nobody could choose or apply for something. Nobody was the owner The insurance payments. About 30 % of workers in general avoided to do these Payments as they were considered as the tax intended for Enrichments of others. So it also was.

At each change of the government former high-ranking officials were replaced New, coming accompanied by "adherents" that increased and without That the numerous personnel of insurance establishments.

The author has shown that in case of transition to system of individual capitalisation

Insured could receive pensions in 1,5 - 3,9 times above what they Actually received.

The pension system did not satisfy for whom it has been intended. It Cost was too high owing to what it has not been provided in The financial relation. Eventually, all social classes recognised that it Is in crisis.

_it individual capitalisation _

So, insurance crisis was a subject, to which, since 50th years, constantly Addressed, however nobody undertook to resolve it.

In stay in power governments Horhe Alessandri (1958 - 1964) was

The commission led by the former Minister of Finance Horhe Pratom is appointed,

Called to stimulate an insurance radical reform.

Job of this commission was expressed in preparation of the voluminous volumes which have confirmed

Conclusion about necessity of radical reorganisation of insurance system. But

Government Horhe Alessandri, the government Edward Freja, The government of El Salvador Alende could not win the necessary Political authority that would allow them to sustain heavy shelling with

The parties of those exclusive layers which received from system many times over

More than gave to it and which insurance reform by all means would restrain, and

From outside the high-ranking officials, members of parliament and influential

Groups of trade-union movement.

The government of military men has decided to go further others. Thus Armed Forces and the Case of carabinieres could not pass to new system completely, As the Law it 18.458 has allowed to make it only to the civil personnel The given contingents. Thereupon it is necessary to notice that insurance

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