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 takes you 10 months, tremendous, well, but that's where
00:00:03the government has, you know, to break the rules
00:00:07with audits, that it audits social works and that it audits
00:00:11everything, all the, let's say, health agents to
00:00:15ask within see why they charge people for insurance because it should be enough for non-monotributistas
00:00:19and so on, but retirees, there are many retirees who pay a lot of money
00:00:23for PAMI and so on, well, then for
00:00:27days, arbitrate the necessary means to cleaning they spend 130,000 pesos, for food 457,
00:00:30for services 177, which is increasing, for
00:00:33recreation 124,000 pesos, for clothing
00:00:3763,000 pesos, transport 129, and for housing
00:00:42moratoriums needed them, because it you that 50% 60% of everything that 364, we are talking about a house, yes, the maintenance costs of the
00:00:45house, not a
00:00:47million, great, but moratoriums are what rental, the blended rate to calculate
00:00:50housing is between
00:00:53the people who retired rent, shared rent, maintenance of one's
00:00:56own property, for example, common expenses and something
00:01:00that has exploded in the last 10 years, which is the life of
00:01:04older people in
00:01:08of contributions, direct pensions for those not retired, pensions, they are real pigsties, there are some four or five blocks
00:01:11from the government house and a room
00:01:15with a shared bathroom are the old hotels that cannot be approved, a
00:01:18room with a shared bathroom is between
00:01:20day is speaking against 250 and 300,000, and if they don't
00:06:40we receive inquiries at 11. 22 77 2000
00:06:4411 2277 2000 you can
00:06:47the week if you want, we have a team of people who help us
00:06:51this, who in some way help people, no,
00:06:54and the reality is that
00:06:58the things that they consulted us about, let's put the first case,
00:07:01come on, these are the success cases, first
00:07:05Manuel filed a readjustment lawsuit, he called us,
00:07:08he filed a readjustment lawsuit in 2017, he already
00:07:12collected two executions and now he's going to collect the third, he
00:07:16contacted us in 2022, so he filed a lawsuit
00:07:20in 2017, he never collected
00:07:23and well, nothing, so hey, I can't collect, I can't collect, well, he contacted
00:07:27us, we made him collect, we made him collect the first time, we made
00:07:31him collect the second time and now he's going to collect the third time, come on,
00:07:34pass, so the retirement
00:07:37benefit of this gentleman was
00:07:40$618,
00:07:43with the lawsuit he had won, his retirement benefit went from
00:07:46618 to 1,200 and
00:07:49he has a retroactive payment of 17 million pesos, this
00:07:53is the court eight of social security of the
00:07:56social security chamber of Buenos Aires, this is very
00:08:00important, now we are going to see how you have to do to collect your retroactive payment because there are many
00:08:04people who won the lawsuit, maybe they won it in
00:08:072016, 2017, 2018,
00:08:11mainly the people who... let's say after 2015, 2016
00:08:14had
00:08:17they started to have a lot of problems for ANSES to pay them, of course, it had
00:08:21its paying period, then we will explain it well, but many people were left without
00:08:24collecting, so this happens, I filed my lawsuit but I didn't collect,
00:08:28well, and they bring us and in the end they have this, they have a lot of difference to collect and
00:08:32look at the difference, it goes from 6:18 to 1,200, double,
00:08:35and people who collected, there are also many people who collected, always look
00:08:39at the value of the PBU that says PBU judicial sentence. And
00:08:43there is a PBU value that is standard, if that PBU value is not modified,
00:08:46it means that there is a 90% chance that even if you
00:08:50collected the lawsuit, you have to collect more than what you are collecting, so if you want, you can
00:08:54consult them, yes, and there are people who also had their benefit changed, they also
00:08:58have to claim because it was adjusted incorrectly, of course, and then another
00:09:01issue that is not minor, which is due to the
00:09:05firm court rulings, so this
00:09:071,200 can exceed 2 million,
00:09:11look at that. Success
00:09:13that
00:09:21we also have, which is from Jorge, who calls us and
00:09:24tells us that OSEEC wants to disaffiliate him because he
00:09:28retired, this is very common, no, that social works do not want to
00:09:31take them, they have them as active for 40 years, when it comes time to
00:09:34retire, they open up the range, no, so
00:09:37we filed an injunction and quickly obtained a precautionary measure with the
00:09:41following resolution: Eh, come on, pass, so,
00:09:45look, in the car, the gentleman appears, well, here is the
00:09:48last name, eh, on his own behalf, requesting the issuance of
00:09:52a precautionary measure so that the social work of commerce employees, civil activities, OSECA,
00:09:55arbitrate the necessary means
00:09:59for him to continue with the medical assistance benefits provided to him and to
00:10:02maintain him as an affiliate to the same plan he had prior to obtaining
00:10:06the retirement benefit, why, what happens here, you retire
00:10:10and what do social works tell you, you are obligated to go to PAMI,
00:10:13which is a lie because the PAMI law does not say that and you are free to choose,
00:10:17so what is the problem, there is a list of social
00:10:21works that accept retirees, which is so small, and the majority that you are
00:10:24with... with your social work for 30 years, you have your
00:10:28doctors, your places of attention, they want to change
00:10:31it and it's resolved with the injunction, let's resolve it very quickly,
00:10:34so here I preserved the gentleman's name, I forgot
00:10:38to preserve the other one, I apologize, Jorge, anyway, we won, so
00:10:42of course, this is in the civil and commercial federal court number
00:10:44seven, finally it resolved that
00:10:48it ordered the social work OSECA to, within 3
00:10:52maintain and/or reaffiliate the... gentleman as a beneficiary of the
00:10:56health services provided by that entity and continue providing comprehensive
00:10:59medical assistance until the assistance is dictated, look what we talked about at
00:11:03the beginning of the program, no, that retirees are waiting for a court ruling for more than a
00:11:07year, this, for example, we smoothed over this mess for someone in 3 days, when the
00:11:11justice works well in the case of health, the justice works well, we
00:11:15have eh precautionary measures and coverage in
00:11:1848, 24 hours, 72 hours,
00:11:21but it's true that in most cases it works very quickly.
00:11:33it takes 10 days and in the meantime something happened to you, you don't have coverage, you don't have coverage, that's why it's important
00:11:37to make these claims and also obviously if you already have your
00:11:40social work, your pre-paid that works well, keep it to maintain the
00:11:44providers, not have to go to another place eh bring me your medical history because I don't know you,
00:11:47there are a lot of issues that are maintained with this, do you allow
00:11:51me? It is worth highlighting
00:11:54because they directly lie to retirees
00:11:57that they have to go to Pami, to new
00:12:01retirees, of course, that is to say, it is a
00:12:04daily demand that I have because we are right around the
00:12:06corner from the social work and retirees come where
00:12:10they are told that they have to go to Pami yes or no, not only
00:12:14ANSES tells them but also the social works and the
00:12:18employer himself often tells them that Pami is not for them,
00:12:21that's why it's very important that the person who is about to retire
00:12:25seek advice prior to the retirement being issued, because
00:12:29many times it also happens that afterwards in
00:12:32Pami it is a little more difficult to get or make room for the
00:12:35injunction, very well, next, let's go, we continue, come on, we have to start
00:12:38flying, how to collect a sentence, this is key, no, that is, you
00:12:42have a firm sentence, how do you collect it, many people don't, they don't
00:12:45collect it, come on, let's go, so first
00:12:49eh, when you are in
00:12:53moment, the moment is when
00:12:55your lawsuit becomes final or at least partially final because
00:12:59there are lawsuits that are final, others that go to the
00:13:02court and one can try to make,
00:13:05try and it is usually achieved, to make a partial
00:13:08liquidation on the issues that were given to you until the
00:13:12court resolves the underlying issue that was not
00:13:14resolved, so eh what do you
00:13:18have to have yes or yes, first instance
00:13:21sentence, of course, because what happens, people tell us doctor I have
00:13:25a favorable sentence, can I collect? No, what you had may be a first
00:13:28instance sentence, and be careful when you follow it, because it says final
00:13:32sentence, of course, it says final sentence, so well, that's it,
00:13:36it's over, no, it's not over, exactly, why? Because there you go to the court of
00:13:39appeals, regardless of whether you won in everything you asked for, which
00:13:43usually doesn't happen, it also takes you to the court,
00:13:46so here you already have the two sentences, let's say, that are the
00:13:50common ones, first instance sentence, court sentence, if
00:13:55claim the issues for inflation, obviously you are going to end up in court,
00:13:59but eh, the usual step is that after this remains what is
00:14:03called a firm sentence that remains the payment and once it becomes
00:14:06firm, they give ANSES 120 days to
00:14:09pay, these 120 days are business days, that is,
00:14:13it's 6 months more or less in elapsed time
00:14:17and once this is fulfilled, you are already in a position to go to court and say they didn't
00:14:20pay me, I want to collect, I'm
00:14:24pay. Let's go with the next plate
00:14:26here.
00:14:28What do you have to do to collect your readjustment lawsuit? The term is business
00:14:31days. The lawyer has to present a liquidation, once these
00:14:35120 days have passed, on day 121 they can present the execution
00:14:38request and the liquidation, and after a process, ANSES's accounts are
00:14:42garnished and collected. So, what happens?
00:14:46It is being said in many places, look, ANSES is not paying the
00:14:50lawsuits, but it's not that ANSES doesn't collect them, it's that ANSES doesn't
00:14:53pay them, the lawyers collect them.
00:14:55So, let's go back to the previous plate for
00:14:59a second, what do you have to have to collect, to say, I'm already
00:15:03in a position to collect, I want to collect, first instance sentence, court
00:15:06sentence and the payment term of these 120 days, of these 120
00:15:10business days, in case you go to court, today there is already the
00:15:14great advantage that eh the courts are
00:15:18the court and the first instance courts are
00:15:21accepting that partial executions are made, what is this?
00:15:25You don't have the 120-day term, but
00:15:28why? Because you are in court, so what does your lawyer have to do? Ask that
00:15:31file, you are going to say, pay me what I already have firm
00:15:35from court, what the court doesn't need to... rule on because it already ruled
00:15:38previously, let the court handle the rest, so you already collect
00:15:42the first part which is like the case we showed you before, for example a person who went
00:15:46from 600 to 1,200, that can be
00:15:49perfectly done with a partial execution and
00:16:08is that you don't have to stand still and you have to consult and if you collected the
00:16:11sentence also consult to see if what you collected is correctly
00:16:15liquidated or not, I would tell
00:16:19you collected, you collected incorrectly because the truth is that it liquidates
00:16:22incorrectly, it pays you incorrectly, it caps you, the caps are not
00:16:25met, sometimes not all, not all are very
00:16:29specialized in this, eh, let's go two questions, come on, well, here they tell us
00:16:33good morning, I am a widow, my husband had contributions but was not retired,
00:16:36can I collect a pension from him? I am retired and I collect the minimum,
00:16:40well, it depends, in pensions what is done is an evaluation
00:16:45what is done is an evaluation, an
00:16:48evaluation of contributions, to see if he was a regular or
00:16:51irregular contributor, what they do is they take your husband's contributions
00:16:55for the last 3 months and they will see if he had at least
00:16:5918 months or 30 or 30 months you will have
00:17:02access to a pension, if within the last 5
00:17:06years you only have
00:17:09a year they will ask for 15 more years of contributions and the third
00:17:12evaluation is if he has 30 years and met all that, it's fine, if he didn't meet
00:17:16all that, then no,
00:17:25here, through WhatsApp, we also receive them on our website jubilarme.com.ar
00:17:29here Claudio, for example, asks us if his benefit can be
00:17:32readjusted, to know if your benefit can be readjusted, you would
00:17:36have to give us two things. When you retired and how much
00:17:42tell you if you can claim
00:17:54do to make a readjustment claim, I retired in
00:17:572021, well the same, we would need to know how much you are
00:18:00collecting to make the readjustment claim now, it's very easy, you just have to
00:18:04contact a professional, today since the law came out. You don't
00:18:08even have to go to ANSES because you don't need an administrative claim, the only thing you have
00:18:12to do is sign a power of attorney so that they can represent you specifically in
00:18:16the social security forum and with that you carry out your process and one day the lawyer
00:18:20will call you and tell you look Pepito is ready to collect your
00:18:23lawsuit, eh, it doesn't mean that you have to do paperwork, you don't have to
00:18:27sign cumbersome papers, it's just one
00:18:57the moratoriums for retirees
00:19:00are ending.
00:19:17But necessity kills
00:19:19doctrine.
00:19:27asks to buy years of
00:19:28contributions.
00:19:56you know that well, he has come many times here, no,
00:19:59and and and let's say
00:20:03he did was a retirement training and
00:20:06well, there is a report from Tony Conman that says that
00:20:09he went to ANSES to ask precisely because he did not
00:20:13have the necessary years of contribution and
00:20:16regularize, we here all the guests who come
00:20:19assume that the record is fine, no, if you don't
00:20:23say record, no, no, but if you, Mr. President, only have 5 years of
00:20:26contributions in principle, but well, yes, someone with a separate commercial
00:20:30activity, let's say, known, of course, of course, of course, and the truth is that we have
00:20:33a lot of respect for him, he has come many times here and we have
00:20:37treated him very well, we have debated and so on and the truth is
00:20:41that he is a true gentleman and what
00:20:43he did was nothing more and nothing less than put here the plate that
00:20:47the reality of Argentines, no, that... necessity kills
00:20:50doctrine, that is, the need to retire and well,
00:20:54he is not in favor of moratoriums
00:20:56or of being able to update this, but the reality is
00:21:00that he needs it and he didn't kill anyone either, that is, he went to
00:21:05the law, he didn't go as he should, but it calls
00:21:08attention that you see we say one thing, we say
00:21:12one thing with our mouths and with our hands we do others, no, yes, no,
00:21:15besides, let's go back, that's why when we say
00:21:18that eh those who are voting our
00:21:21laws, yes, no, you see there is something that is good, what is the
00:21:25wheeling and dealing and what is really objectivity, here there was no
00:21:28objectivity, someone who voted against
00:21:32tells you to be, except hey, look, what happens to me is one in a
00:21:37many retirees need and the ANSES numbers show it, 20% of
00:21:43historically will end up retiring, and women were left out of
00:21:46retirement, they changed their retirement age.
00:21:58Yes, ma'am, I'm going to be the devil's advocate, yes, yes, advocate, ultimately
00:22:01it would also be to avail oneself of a right that one currently has, of course
00:22:05it is, because otherwise it would also be like the case of a journalist who, for example, every
00:22:10or in favor of the modernization law and suddenly is
00:22:14demanding the payment of a final settlement for a dismissal, of course, ultimately,
00:22:17if I have a right, I can
00:22:20exercise it, if it seems so and I think it's good that we debate
00:22:24the lack of consistency regarding
00:22:27saying I vote for something and then I'm going to demand it, that's fine, but what you say
00:22:31is key and I think it's very correct, because the truth is that
00:22:34rights are for everyone and laws enable certain
00:22:38issues, these laws that enable you, no, let's say that you
00:22:42think differently does not mean that you can use the law, I can say I am
00:22:46against people who get into tax moratoriums, but if
00:22:49you owe, you can use it and it is legal to do so, that is, what
00:22:52Esper did is totally
00:22:56legal, it's just a moral issue not legal, of course,
00:23:00no, no, no, it's not questionable either because he has the right to do it, what happens is
00:23:03that what we want to say with this, is not to speak against
00:23:07Esper because I am not going to speak against Esper,
00:23:09it's eh, even if everyone
00:23:13says that the doctrine that people
00:23:16retire without contributions is fine, I want you to
00:23:20know that in Argentina what happens to
00:23:23Esper happens to everyone, so it's not just
00:23:27for those who think one way, probably
00:23:30Esper is right and my law is right that people have to
00:23:34retire with 30 years of contributions and the retirement
00:23:37fund would be healthy if all people who are on the books
00:23:40would go from being off the books to being on the books, ANSES would be
00:23:44super-profitable, yes, but for you know what is
00:23:47annoying, what happens is that reality kills fiction. No, what bothers
00:23:50me is the discourse, why? Because the discourse
00:23:54is under the discourse they lead people to
00:23:57oppose moratoriums that even discriminate
00:24:01against those who enter a moratorium because they call you a welfare recipient, you never
00:24:04worked, Esper never worked, he worked 5 years in his whole life, I don't
00:24:08think so, he is a person with, besides, with public
00:24:11academic activity with reports, I don't think he had
00:24:15only 5 years because be careful that the report does
00:24:19not show the contributions of self-employed or monotributistas that are not seen
00:24:22beyond that, for example, there is the case of Milei and his
00:24:26parents, yes, yes, his mother retired with
00:24:29a moratorium, she has said it publicly, so what I'm getting
00:24:32at is eh what was said, for example, in the discussion of the basic
00:24:36law when they tried to make this failed pension reform was
00:24:39that the retiree who contributed would have their pension increased.
00:24:42taking out the one who is making it so that the one who doesn't have contributions doesn't retire
00:24:46and let's say harming the one who didn't contribute, nobody contributed in... Argentina
00:24:50because you go to buy milk and you're contributing, you go to fill up gas, you're
00:24:53contributing, you contribute with a lot of things, so there's also the moral
00:24:57to say, I'll shut my mouth, if I'm against it I'll shut my mouth, but
00:25:00don't make a speech because then your mom
00:25:04has a moratorium, your friend has a moratorium, you need the
00:25:08moratorium, well put me the next one, so according to the note of esper requested
00:25:11to adhere to the benefit of law 2715 which
00:25:15allows regularizing the year of contribution to
00:25:41FAL and when one talks about the FAL one says what is the FAL for the
00:25:45one who used it in Malvinas well what is
00:25:48the FAL what is a Labor
00:25:52has been talked about a lot in recent months, because it's, let's say it's a
00:25:56big part of the topic of let's say this last
00:25:59labor reform and it takes on greater relevance. because it will enter into
00:26:03operation next month, clear, and many employers are, you see,
00:26:07it's said that retirees will lose, employers will win, they will fire
00:26:51saves every month to pay layoffs, what
00:26:55this does is obligate the company to have that saving, clear, why
00:26:59because many times what happens is that the company eh says a
00:27:02layoff, you see, it makes a layoff, then I don't have to pay you, well,
00:27:06it obligates to have a fund to pay layoffs,
00:27:09so far so good, that is, this FAL has to do with
00:27:13companies and worker layoffs, come on, who
00:27:16pays for it, well, the employer, who contributes to this labor
00:27:19assistance fund, the employer contributes according to the size of the company, SMEs
00:27:23contribute 2.5% of the total of salaries and large
00:27:26companies 1%, what is done is an
00:27:30account is opened and that money will be deposited. which will later be capitalized in addition
00:27:34to what but wait because one says that
00:27:37this why do SMEs pay 2.5% and large
00:27:41companies 1%, they are always benefited right, here
00:27:44we are going to see, Sebastian will also explain that this actually benefits the SME that it is
00:27:482.5% and not 1% because obviously it has fewer
00:27:51employees, it has less capacity of less wage bill so it will
00:27:55take much longer to fill the
00:28:01the... contributions to the SIPA which is the fund,
00:28:05let's say, the Argentine Integrated Pension System,
00:28:09pensions, pensions and pensions, what would be
00:28:11contributions are deducted for the FAL, that is, that
00:28:15percentage, since it does not cost companies more, it
00:28:18favors the small company that it is 2.5% and not
00:28:221%, because it's not that it pays an additional 2.5%, but
00:28:25that they retain it from the
00:28:28contributions, who does this screw over, well,
00:28:36is zero because that money comes from what is already used to pay pensions,
00:28:40so what there is is a defunding
00:28:43of pensions and retirements, but
00:28:46moment why it happens, not all workers
00:28:50work perfectly, there is always someone who, hey, I have to fire, why,
00:28:54either because the position doesn't suit me or because the person works
00:28:57badly, it's their right and what it does is
00:29:00that that money is secured. Yes, what is fantastic is
00:29:03that retirees are putting their money to
00:29:06finance the purchase of houses with mortgages and now they will also
00:29:10finance the layoffs, the truth is that retirees are
00:29:21I think maybe a point that I would add so that the people who are
00:29:25watching us, who are calm, especially the workers,
00:29:28that this regime applies to the 6 million workers that exist.
00:29:32Argentina's private sector does not apply to the public sector or to
00:29:36domestic workers, for example, so that they have it
00:29:39clear, eh and it will not affect the way
00:29:42in which the severance pay of
00:29:45a worker who is fired is calculated, that does not change
00:29:49at all, what does end up changing, well, as they well said, where
00:29:52the money comes from for the worker, eh I think that
00:29:56an intangible advantage, let's say, is that tomorrow
00:30:00if they are in a company and they feel that that
00:30:03company is about to
00:30:06go bankrupt or is in a bad situation, is short of money, does not have money to
00:30:09pay, eh, to the extent that this is mandatory and companies will
00:30:13have to put that money in that fund, eh, the day that
00:30:16they have to dismiss them, they will be able to ensure that they will collect the
00:30:20severance pay, so from that point of view the worker will feel a little
00:30:24safer that the money will go to
00:30:35first the company notifies the fund, then the fund
00:30:39deposits in 5 business days and if it is not enough the company
00:30:43puts the rest, which is important, clear.