Google Cloud Speech-to-Text API (Chirp) + Gemini 2.5 Flash Non-Thinking. Treat it as a searchable index of what was broadcast, not a quotation record.
00:00:00That's right, October, right? Always keeping in mind that
00:00:03it's a basket for covering needs, not a basket
00:00:07of poverty. Of course, because if
00:00:10problems, it is the income of not, the basket is questioned. The basket is what it is,
00:00:13what happens is that immediately one relates it to
00:00:16income, of course. Very few retirees reach the coverage of
00:00:20that basket. Now I ask you so that
00:00:25and end up, you know, being attended by the person at you, who are on the other side, understand because otherwise you will fill yourself with questions.
00:00:28Anyway, we will open up this whole issue.
00:00:37retiree, for two retirees, for one retiree? For one retiree, a retiree who
00:00:40lives alone needs 2,900,000 pesos.
00:00:43you well, That's right. In the case of two retirees,
00:00:45for two retirees, proportionally
00:00:49fixed expenses, especially, obviously, decrease. So this might be, if there are
00:00:53two, it would be 3 million instead of two. I tell you that
00:00:57those on the other side of the camera
00:01:00are that
00:01:02into Argentina gets used to, we get
00:01:04used to things that are wrong. We get used to
00:01:08poverty and we get used to
00:01:11absurdities. We are talking about a person being able to eat meat,
00:01:14we are talking about a person who can
00:01:18go to the theater. That is, we are not talking about the person who
00:01:22has to collect grains of rice to see how much they eat one day and how much they eat the
00:01:26next. That is, the retiree's basket is for a retiree to live
00:01:30with dignity. That's right, that's why originally
00:01:33we took health predictors
00:01:37to give context. That is to say,
00:01:40when we are talking about food, we are not only
00:01:43talking
00:01:45problem is that we can about covering daily
00:01:47calories, but about what
00:01:51an older adult should consume, for example,
00:01:54low-sodium, low-calorie foods, yes,
00:01:58which tend to be the most expensive here.
00:02:00Of course, because they are associated with silhouette and not with health,
00:02:03and, uh, if we, and how important good nutrition is,
00:02:07right? Look, in particular, to name just
00:02:10diseases that older
00:02:13know, because I am telling you with people have or that we have a propensity for
00:02:17those diseases, such as hypertension, yes, that
00:02:20is to say, if you don't accompany the
00:02:24medication you usually use
00:02:27with, obviously, what you can put in from your
00:02:31own will, which is avoiding
00:02:34a sedentary lifestyle, doing physical activity and so on, but if you don't
00:02:38eat properly, that is to say, neither the medication nor your own
00:02:41will
00:02:44so no, you're already there, you're will help you save. Well, it
00:02:46happened to me, a personal matter, that I
00:02:49changed my way of eating, there were
00:02:52many of my studies that were like this, a mess
00:02:56up and down, good, bad, good, bad. I started eating well
00:03:00and in two, two or three years, all my results
00:03:03were good. Everything was good, you know, that is to say,
00:03:07uh, moreover, my cardiologist
00:03:11yours, who else is it going to be?" Well, that is, changing
00:03:14the foods. You'll see that I'm
00:03:16here,
00:03:18thanks. There are no fried cakes, here there are cakes, here there's everything, here
00:03:22there's a large reserve in Mendoza, the stand is there, the whole stand of
00:03:26cakes is there, the whole stand. No, no, but honestly, not
00:03:30fat, but I should lose a few kilos, but actually, I
00:03:33go to the gym, that is, I go to the gym three times a week, I play soccer twice
00:03:37a week, this is more now, I finish here, doing a 2-hour
00:03:41program, I fly off and go play soccer on an 11-a-side
00:03:44field, so you have to move because, well, the thing is that here the
00:03:47needs of retirees, whenever they talk about a certain
00:03:51standard, they always set it as a ceiling. You have to
00:03:55eat a certain amount, and that's the ceiling, it's not that there are
00:03:58other things above that, for example.
00:04:00unemployment benefit is directly linked to There's the possibility of going for a walk, but why couldn't a retiree, for example, go to a
00:04:04gym and do some kind of
00:04:06balls with audits, that there are audits in class, you know that many municipalities
00:04:10do give free classes, courses, you have to be aware of that, right? Because there are many, many
00:04:14things, both in the
00:04:17let's move on to the next one, where you'll start to learn about city of Buenos Aires and in the province of Buenos Aires, the municipalities, there are many places, some that
00:04:21y dan muchas este
00:04:37Well, here they tell us, "I am 64 years old, next year I will have to retire with 44 years of contributions. My salary
00:04:40is 2,800,000.
00:04:43How much should I retire with?" Ramón asks.
00:04:46Well, Ramón, here it's very important that
00:04:50you get good advice because
00:04:5340-something years of contributions, first you have to see what year
00:04:57those contributions are from to see if you will hit a cap or not.
00:05:00The best thing is that before you retire, you know how much money you will retire with, that's the
00:05:04most important part, and the second most
00:05:07important part is to know what you will find with ANSES. Because I
00:05:11can do the math here in a second, playfully,
00:05:14because technically I would have to look at the
00:05:17record with F, we would have to look at the 120 last remunerations, update them as ANSES
00:05:21does, and that
00:05:24update, which is the basis for the calculation of the
00:05:27retirement benefit, is wrong for
00:05:31us. Why is it wrong? Because if you update it by
00:05:35inflation, it gives you 40% more,
00:05:38but since salaries have decreased in recent years, it gives you
00:05:4230% less, according to how ANSES calculates it. So you will
00:05:46face ANSES and you will go and
00:05:50surely you will leave happy because the ANSES guy, the ANSES girl will treat
00:05:55they will give you a smile, they will tell you to be calm, everything will be fine, we
00:05:59support you, whatever, so you go home and think everything is fine, then when
00:06:03the retirement receipt comes, the person who attends
00:06:06you will not tell you how much money you will retire with, so you have to
00:06:09see, and I tell you, okay, you earn 3 million. For example, you will retire
00:06:13with, I tell you, with one and a half, and
00:06:17you ask me the first question is why, and I will tell you, "Well,
00:06:20look, I'll tell you what happens, you have these contributions that will be capped
00:06:24that if we go to court and cap them, you will start
00:06:27to collect so much, and you have a base for the calculation of pensions
00:06:31that is so much that if we update them, you should also collect so much,"
00:06:34so what do you do? You make the decision to see
00:06:38if you retire, how you retire, if you go alone, if you go with a professional,
00:06:42because then you will have to sue, yes or no, because unfortunately,
00:06:46this country is so outlandish, for you to have an
00:06:49idea, we filed some lawsuits,
00:06:53we filed over a hundred appeals for some pensions that the state was not
00:06:56giving and that the state had to give by law and did not want to give.
00:07:00Well, winning the lawsuits, winning the
00:07:03lawsuits, we were seeing
00:07:06in retroactive payments for several pensions that they had to pay 66
00:07:09million and they only paid 200.
00:07:13So if you, if you go alone and they give you these 7200, which in
00:07:17reality are several, no, but if they give you these
00:07:20wrong, and I want you to
00:07:26my responsibility, that ANSES is, in terms
00:07:30of pensions and benefits, the biggest
00:07:32fraudster in the world, that is, it
00:07:36is an entity that belongs to the
00:07:39state, that so you can get an idea, they must have already been sued
00:07:43more than a million times and lost all of them, that is, not
00:07:46all, because sometimes there are claims that do not
00:07:49prosper, but I guarantee you that they must have had in their
00:07:52history at least a million or more than a million lost lawsuits, so
00:07:56know who you are
00:08:08through moratorium, she retired in 2019, if she
00:08:12passes away, will her husband be entitled to the pension?
00:08:15We are married. Yes, yes, he is entitled, but be careful with the DNI issue, always
00:08:19keep the DNI with the same address, because that's when you don't have the same address,
00:08:23problems start, uh, yes, today there's a process, uh, that can
00:08:26be done, which is the cohabitation certificate,
00:08:29beyond being married, it can be done, uh,
00:08:32in front of the civil registry, that's good to add besides
00:08:36the DNI. Anyway, a court ruling came out in which ANSES
00:08:40shouldn't ask for so much proof, just the same DNI would be enough, but
00:08:43well, it's always good to cover yourself. Very good, next. Here they tell us,
00:08:47"I have my husband's receipts, 5 years that do not appear in ANSES,
00:08:51and they told me it takes at least a year to resolve and I cannot
00:08:54initiate the retirement before this is resolved. What can I do in my
00:08:58case?" No, no, what you have to do in this case, no, that's why I'm
00:09:02telling you. Cases are starting to pile up. Actually, yes, you
00:09:05can start. You have to start,
00:09:09because you have to think that every month you don't start is a month you lose
00:09:12to achieve it. So I'm going to analyze it for a period of a year, and if it
00:09:16doesn't work out, I have to go back and maybe you don't even have that moratorium
00:09:20or the plan to update
00:09:23contributions. So my recommendation is that you go
00:09:27with the 30 years plus those five, even if it costs
00:09:30you a few more pesos, because those few more pesos you recover when you collect your
00:09:34pension. That is, for example, if you have contributions, let's say you have a pension of
00:09:37800,000 pesos, well, you are going to lose out on collecting over the course of a
00:09:41year, more than 10 million pesos, and maybe that costs
00:09:45you, I don't know, 600,000 pesos, 700,000 pesos. So,
00:09:49you always have to look at your own convenience, not that
00:09:53because many times it happens to me that the client says ANSES told me that since I don't have those
00:09:57contributions, I should make a service recognition at retirement age. No,
00:10:00that's nonsense because you can discuss it, of course,
00:10:03discuss it in the pension and in any case if they give it to you, collect the pension, and if not,
00:10:07collect it, and if they don't give it to you,
00:10:1560 on November 18 this year, I have no contributions, I would like
00:10:19to retire, I only have a pension as a mother of seven children, how can I
00:10:22do it? Well, first of all, it's very important that you have
00:10:26seven children, so you already have 7 years of contributions, we would have to see if you
00:10:30collected the universal child allowance or if any of your children have a
00:10:33disability or if they are adopted, that already adds a lot
00:10:37of contributions, then you are missing 23 years of contributions that you would have
00:10:40to buy before you retire on
00:10:44November 18, doing those things, you will retire, there's
00:10:48no doubt about that, now if you let it go past November 18, you will be left without
00:11:0035 years of contributions, as a nurse, I worked throughout the
00:11:03pandemic in a closed area, can I retire? The contribution should
00:11:07appear as unhealthy in the service certification. In
00:11:11the event that you were in intensive care or in the
00:11:15cases that constitute unhealthy work for nurses, you
00:11:18could retire, we would have to see how old you are, that is, all
00:11:22unhealthy jobs of any kind have to be calculated. A calculation that
00:11:25mixes contributions and the type of contributions and
00:11:29age, and that will tell you what day, what exact day you can
00:11:32apply for retirement. Also, if you don't have 30 years with the old
00:11:36moratorium, the unhealthiness
00:11:40you have to buy cancellation units, you lose the unhealthiness
00:11:44because they don't take it into account. Yes, but she
00:11:51contributory pension, 64 years old, 18 contributions." She asks if
00:11:54the... pension is automatic or if she has to initiate some procedure? No, no,
00:11:58no, the pension is by request. Well, the state
00:12:02does not presume that you want to retire, you retire yourself. And besides, if you have a
00:12:06non-contributory pension, you have to see how long you've had it
00:12:09because during those years you didn't have contributions. You have to see if you had 30 years of contributions
00:12:13or not, meaning that, yes, she said she doesn't have them, and also that's it, today the
00:12:17pension where you go to ANSES without contributions, where you retire, that's over. You have to
00:12:20do the process no matter what to buy the contributions and reach the retirement date
00:12:30ANSES, they told me I have to pay a bond in addition to what my
00:12:33employer pays every month. Is this something new? They told me this. Is
00:12:37this true?" No, it's not something new, it's not something new,
00:12:40actually that has been around for more than
00:12:4320-something years. What happens is that when you work
00:12:47as domestic service, depending on the category you are in, you meet
00:12:51the contribution requirements, and if not, you have to pay a differential
00:12:55for each month so that it covers the contribution for the month and is considered
00:12:58a full month of work, minimum non-taxable income. This happens to people
00:13:02who work by the hour, for example, or who
00:13:05work, uh, have part-time
00:13:09jobs for half a day
00:13:17you enter the SICAM of AFIP, you see your
00:13:20category there. For that category, you have to put
00:13:23monthly so much for each month, which is what your
00:13:27employer pays. If it's not enough for the month's contribution, you have to put
00:13:30it in yourself. It's not a bond, there's no bond. If they tell you bond
00:13:34or you misunderstood, be careful, maybe they'll make you pay
00:13:38money you don't have to pay because there's no
00:13:4530 years of contributions, I'm a monotributista, can I
00:13:47retire?" No, no, no, if you're a monotributista,
00:13:51no, besides, he's 57 years old, of course, you have to wait a bit.
00:13:5565, of course, of course, unless you had unhealthy work, you have to wait
00:13:58until 65, at 57 you still have
00:14:06to inquire about retirement, I have few
00:14:08contributions and there's no more moratorium. To retire I have to pay
00:14:12almost 7 million, is this true? Well, if they told you that,
00:14:16it could be true. There's another moratorium that allows you to
00:14:19lower that value a bit. The thing is that if
00:14:23you are 40,000 pesos,
00:14:26that's 500,000 pesos per year,
00:14:30plus 500,000 pesos per year, so you're missing 15 years of
00:14:34contributions, so you have contributions, so be careful, you have to
00:14:37look at that carefully to see how much you would collect because it's not like with 15 years of
00:14:41contributions you might get out of the minimum, so you have to be careful, yes, and
00:14:44mainly with maybe they didn't offer you the old moratorium,
00:14:48and being a man, maybe you don't even need to pay those
00:14:527 million, that's why always consult with a professional.
00:14:56Because just as there are many people who work well, there are others who tell you anything
00:14:59and make you pay just to pay
00:15:06years old, no contributions, and one child. ANSES told me I wouldn't be able to
00:15:10retire. Is this true?"
00:15:12No, what the hell, uh, no, yes, you can retire, you can retire, you just
00:15:16have 7 years to gather the 30 years of contributions.
00:15:20So, uh, nothing, you have to put together a plan, a plan for
00:15:24you to retire. You who are on the other side, you have to know
00:15:28that pensions are contributory, you have to pay contributions, and
00:15:31all the people you see who are retired are because they paid their contributions, you also have to
00:15:35pay them. The thing is, how are you going to organize yourself to pay
00:15:38that? Because, for example, you saw that just now he said that someone who was missing 15 years of
00:15:42contributions was missing 7 million pesos, okay, well, if you have 8
00:15:46years, you have to pay one million pesos per year, which you don't
00:15:50have to pay all at once, it could be more or less 80,000 pesos per month, so
00:15:54there's no such thing as retiring without contributions, you're going to have to
00:15:57put in money, but the thing is as little as possible. Regarding that, many people go to ANSES
00:16:02the door, the receptionists, ask that today no one retires.
00:16:06There's no work, ask them to sit you down, to
00:16:09tell you well, to explain well, to give you a paper with the strategy,
00:16:13because this person, for example, can definitely retire, the one who told him that is
00:16:17an idiot, so ask them to
00:16:20attend to you with time, to attend to you well, request that they give you the
00:16:24things as they should, obviously a professional is always better, they will give you the
00:16:28things more neatly, understandable, you know that the state is a bit
00:16:31rigid. Quickly, I tell you, you're missing 7 years to retire,
00:16:35you have one child, which means 3
00:16:37years of contributions, you already have 10, you're missing 20 years of contributions, we have to see how much
00:16:41money those 20 years of contributions cost you, and well, you have to do 42
00:16:45thousand per
00:16:47240, but
00:16:49also
00:16:52those nine million, you have eight more, you have to pay more or less
00:16:55one million pesos per year, per year, so get ready because, look, you say
00:16:59it's a lot of money, yes, but you pay 100,000 pesos per month and in 7 years
00:17:03you start collecting 500-something thousand pesos, so
00:17:06it's a good deal, right? Because you pay for 7 years and
00:17:1442 years of contributions, my salary is 3 million declared.
00:17:17How much would I retire with?" Well, let's go again. The
00:17:22do the math for you now. 42 years of contributions, you will
00:17:25collect more or less 60% of those 3 million,
00:17:29plus 200 thousand pesos. You will
00:17:31be collecting almost
00:17:351,800,000, 1,900,000. It will be around there, the
00:17:39pension, but that's not how the calculation works, that's how it would be if I did it on the
00:17:42fly. What's the problem? That is the value of the last month, I have to bring the
00:17:46119 that I'm missing, do an update using an index that
00:17:50ANSES uses to tell you how much
00:17:53the value is. The last one doesn't work. We can do a calculation playing around,
00:17:57but to make a report on how much you would retire with, you have to do a
00:18:00fairly, let's say, complex calculation that takes
00:18:04time. But if he earns three, how much did he say? 3 million, and how many years does he have?
00:18:0725 years of contributions, it's more or less 60% of 3 million,
00:18:11which is 1,800,000, plus more or less 2 million pesos,
00:18:14playfully, because you have to see if the calculation for the past is more or less right or
00:18:17wrong, but maybe he has years of contributions and then the
00:18:21last year of contributions he has is, I don't know, 2008, so the last one
00:18:30contributions. He went to ANSES and they don't recognize all the years, and they also
00:18:34told him that if he retires, he will earn 1,100,000."
00:19:09you are active, there is also the possibility that you retire and continue working, which
00:19:12you can agree with your employer, then you would have double income,
00:19:16first of all, don't trust that number because surely that number is wrong what they told you at
00:19:20ANSES, and then also consider that possibility of continuing to work and
00:19:29unemployment benefit is collected, it has already been accepted and
00:19:32when will I be notified where this amount has been deposited?" Well, the
00:19:38the minimum vital and mobile salary, which is 300,000 pesos, right? Something
00:19:41like that. And you can consult the date
00:19:55the issues related to the retiree's basket. First,
00:19:58this is the minimum pension, so that it's
00:20:02very, very clear, and this is the retiree's
00:20:05basket, that is, the minimum
00:20:08pension is this, but the worst part is that one says,
00:20:12"Hey, but you always take the lowest part." Well, let's say you don't take the lowest
00:20:15part, the average pension is 700
00:20:18thousand, it's not that the average pension they can
00:20:22have is 700,000, no, it's not one and a half million that the median
00:20:26pension is here, that is, we are talking about 3 million
00:20:30people who are retired, some have
00:20:32other income, some have apartments, others are
00:20:36well, I don't know, they have worked. They are entrepreneurs, whatever, but the
00:20:39reality is that most people, because no,
00:20:43no, they are not, as they say there are 100,000 poor people, there are 6
00:20:46million retirees who are having a hard time, and a basket of 2
00:20:50clearly shows the
00:20:56of course, the problem is that red column, of course,
00:21:00exactly, because even
00:21:02uh it has become so
00:21:06naturalized that being a retiree is being poor in Argentina or
00:21:10being old is being poor that it calls
00:21:13attention
00:21:15to something that should be a point of
00:21:19agreement. How, for example,
00:21:22to recompose the benefit to reach and cover this
00:21:26basket that is decided by consensus, because otherwise,
00:21:29in reality, what we see is that
00:21:33we live with a terrible state of
00:21:35affairs.
00:21:37Something we didn't mention regarding health predictors,
00:21:41yes, another thing that needs to be considered beyond
00:21:44food, this is the fulfillment of
00:21:47desire, of course, that is to say, growth is
00:21:50subjective and each subject
00:21:54has their desire for elemental
00:21:57things, no, no, they are not
00:21:59convoluted things,
00:22:02these are common sense, eating the fruit you've liked your whole
00:22:05life, being able to eat it, they tell you no, no,
00:22:09you don't have to eat it, eat seasonal because it's cheaper, that
00:22:12is, issues that lead
00:22:15to dissatisfaction, the denial of desire
00:22:18is another of the serious problems that turn into
00:22:21illness, that is, all this that we are seeing, this
00:22:25difference, what is subtracted, implies in many
00:22:28cases labor exploitation of those who
00:22:32have to go out, we see it every day, the one who is about to retire
00:22:36is looking for work to see how to
00:22:38supplement what they know they will be paid less, even if they don't go to the
00:22:42minimum, yes, they have to accept any type of
00:22:46work, there is labor exploitation, uh,
00:22:50for the older person due to the advantage,
00:22:53exactly, and with another great contradiction, the older
00:22:56person who continues working after
00:22:59retirement age officially, what they are
00:23:03taking away from the labor market is a job
00:23:06from a young person, because for 11 years, 12 now, no new
00:23:10jobs have been generated, now there is no job generation, but
00:23:14informal ones, which is what the
00:23:20well, although it is quite
00:23:26court, you could easily go from these 500,000 to
00:23:30700, almost 80,000 pesos,
00:23:34you get closer to half and the one who wins 1 million goes on to enter the
00:23:38basket, this is the importance of judges falling fast and
00:23:42falling simple and when one talks about
00:23:45pensions this there is a very
00:23:48important part of this, this is the...
00:23:51This is the problem of politics, because this is not a problem of the pension law, this if
00:23:54you update it for inflation from
00:23:582017 today this becomes almost one million
00:24:01pesos, so this is the difference that politics
00:24:04ate up, because this politics is not
00:24:08only my law, it is not
00:24:11my law that does this, my law
00:24:15took this in a mobility law
00:24:18from Cristina that had been very good and then both Macri and Alberto
00:24:22Fernández crashed it, they took the carousel and I don't know how they managed to
00:24:26crash it, so the
00:24:29famous blender lowered it from one million pesos to
00:24:3250,000 pesos, now this government arrives and what
00:24:36do they do, they look the other way, they left it like this for me, I have
00:24:40to have fiscal balance, I can't get out of there, you understand,
00:24:43so that's where we are with this mess, because the minimum
00:24:46pension should be around one million pesos and...
00:24:5050,000 that's the first problem and I'm going to tell you another thing, so the law is not bad, politics
00:24:54is bad, that's why because even though we celebrate that the bleeding of pensioners
00:24:58was stopped when mobility was changed for inflation,
00:25:01also justice always said that, the mobility law can be changed
00:25:05as long as it benefits the
00:25:08pensioner, now every month that the ripte went up,
00:25:11that salaries went up, it was not passed on to pensioners, it is
00:25:15inflation, but look, the formula beat inflation, no, no
00:25:18there is inflation then. we always take the side
00:25:22that this should never reach here, that is a big problem,
00:25:26plus sorry, the freezing of the bonus
00:25:29also generates a difference, the bonus should be at
00:25:32226 pesos approximately and
00:25:36it is still at 70 as mentioned
00:25:38it was in March of the good now
00:25:41a ruling from a court in Mar del Plata came out, very interesting, that does the
00:25:45analysis of the minimum, that this can be seen from two
00:25:48places, either increase the basic universal benefit that is
00:25:51trailing that should have been done and was not done and we are at
00:25:55800 thousand or we increase the bonus and we are at 800 thousand also, so
00:25:59however you look at it, the minimum
00:26:06see is the comparison of the denigration of the
00:26:09property of the because here we have two
00:26:13the pension versus inflation and then the
00:26:17income of the pension versus the basket, that the
00:26:20pensioner's basket had more inflation than
00:26:23inflation, it is like that because we talked
00:26:26about inputs that older people consume
00:26:29that have even a price
00:26:33evolution that is very very differentiated
00:26:36uh, I mention two
00:26:40elementary but fundamental issues in the
00:26:43life of an older person,
00:26:47uh, mobile dentures that are made for older
00:26:50people are for watching television or eating
00:26:53yogurt, that is, they have to use
00:26:55adhesive
00:26:58inexorably to be able to eat, that is not incorporated
00:27:04the young person's basket
00:27:08and I give another very very
00:27:11important piece of information
00:27:15uh at a certain age there are urinary incontinences not
00:27:19pathological yes, that is to say that they are
00:27:22functional this implies that in the
00:27:26world it is already used for older
00:27:29people disposable underwear. here they cannot
00:27:33even buy protectors
00:27:36because they have a high cost,
00:27:40it increases much more than medicine, it has no type of
00:27:43discount and it is that thin line
00:27:46between staying at home,
00:27:49building a depressive picture or leading a
00:27:53normal life of outings, friends, etcetera,
00:27:57etcetera, that is, those details that we do not take into
00:28:00account in general life.
00:28:06now you look at the coverage of the pensioner's basket
00:28:10versus the minimum pension,
00:28:13notice that in 2024 it covered
00:28:1626.8, in 2025 it covers
00:28:1921.6 and now it covers 20.8, so
00:28:27the money is spent on, this is the most
00:28:31important issue, medicines
00:28:3426.4, food
00:28:3723.3 is spent more on medicines than
00:28:41clearly, the category medicines, well it is
00:28:44clarified uh it is medicines and health
00:28:47expenses, okay, because for example in this last
00:28:51basket this unfortunately is an unfortunate
00:28:55scoop that has to be given yes, for three months now the
00:28:58social works and Pami began to charge.
00:29:02co-payments for various benefits, clearly, the
00:29:06providers say, if you don't pay me, I don't cover you,
00:29:08exactly, it's not not right, but they do it,
00:29:12yes, yes, yes, it happens, in fact and it's more,
00:29:16it complicates the situation not only economically,
00:29:19because a co-payment is
00:29:223,000, 40, 50,000 pesos that the pensioner does not have,
00:29:25when they find out about this, it is at the moment they had the
00:29:29appointment for the benefit, clearly and to... despite
00:29:33making the exception for that insurance they have to
00:29:36do the whole process again,
00:29:39between a
00:29:42symptom, that is, a pain, something that the
00:29:45pensioner has and reaching a
00:29:47diagnosis by completing each of the
00:29:50steps, the average is between 5 and
00:29:546 months, when you incorporate that a co-payment
00:29:57appears and that you cannot pay, that goes up to 9
00:30:0110 months. it's tremendous well, but that's where the
00:30:05government has to, you know, break their
00:30:09social works and that there are audits in everything, in
00:30:12all, let's say, health agents to see why they charge
00:30:16co-payments to people because it should be enough, whether it's not
00:30:19monotributistas and so on, but the pensioner, there are many pensioners who pay a lot of
00:30:22money for Pami and so on, well then
00:30:26cleaning costs 130 thousand in food
00:30:28457 in services 177 which will increase.
00:30:33in recreation 124 thousand, in clothing
00:30:3663 thousand, transport 129, and in
00:30:40housing 364, we are talking about a
00:30:42dwelling, yes, the maintenance costs of the
00:30:45dwelling, not a rental, the
00:30:48calculation for housing is between
00:30:52rental, shared rental,
00:30:55maintenance of an owned property, for example, common defenses
00:30:58and something.