Argentina’s PMO, ART, LRT, and Collective Bargaining Agreements
Argentina’s Healthcare and Labor Laws
Compulsory Medical Plan (PMO)
The Compulsory Medical Plan (PMO) provides a number of benefits that prepaid healthcare providers and social work organizations are legally required to fulfill. By law, the employer contributes 6% of an employee’s salary. This 6% is divided into two parts: 3% goes to social security, and the other 3% is allocated to the reassignment of solidarity, a common fund that supports the retirement assets of retired workers.
Occupational Risk Insurers (ART)
Occupational Risk Insurers (ART) are companies specifically created to provide benefits in cash and in-kind to assist injured workers. These insurers are regulated by the Superintendent of Insurance of the Nation (SSN). Workers are required to be associated with an ART.
Occupational Risks Act (LRT)
The Occupational Risks Act (LRT), Law No. 24,557, covers public employees and employees in dependent relationships, as well as public office holders. The primary goal of ART is to prevent accidents, defined as sudden and violent events. The LRT does not cover diseases that are not caused by work.
Collective Bargaining Agreement (CBA)
The Collective Bargaining Agreement (CBA) is a contract between a union and several employers, or between a trade union and a group of business committees. This agreement regulates all aspects of employment, such as wages, hours, leave, and layoffs. It sets rules and conditions for the relationship between employers and unions. This type of contract applies to all workers. Collective Bargaining Agreements (CCT) began in 1975 with relations between: union-employees, union-employer trade unions (groups), employees, unions, and employers.
Social Work Law
The Social Work Law includes various types of social work organizations:
- Union social work, corresponding to associations of individual workers.
- Administratively mixed institutes (public, private).
- Social work organizations created by national laws.
- Social work organizations of the central administration, state.
- Social work organizations of state enterprises.
- Management staff.
- Professional associations, which are made up of joint venture agreements.
- Civilian and military personnel, etc.
The following are included for the benefit of laws and articles of laws and articles:
- (Art. 8): Workers as employees, retirees, and pensioners of the nation and municipality of Buenos Aires.
- (Art. 9): Family groups, individuals who are secondary (not living with the member).
Social work organizations spend their resources on health and must provide social benefits.
Employer and Employee Contributions
- Employer Contribution (Art. 16): An employer’s contribution is equal to 5% of the salary of workers in a dependent relationship.
- Employee Contribution: A worker’s contribution in a dependent relationship is equal to 3% of their remuneration.
- Benefits for Each Partner: For each benefit provided by a partner operator, as referred to in Article 9, the last contributor contributes 1.5% of their remuneration.
Compulsory Medical Plan Details
The Compulsory Medical Plan is a mandatory assistance regime established solely for social projects under Laws 23660 and 23661. It determines the obligation to ensure the provision of prevention, diagnosis, and medical treatment through third parties.
Retirement Requirements in Argentina
To retire in Argentina, the common requirements are:
- Men over 65 years of age.
- Women over 60 years of age.
- 30 years of contributions to the system (advanced).
Alternatively, one must have 70 years of age and 10 years of contributions (with a minimum of eight years of work).