The fund, as it stands, cannot hold. It will collapse.
En Entre Ríos, el gobernador Frigerio presenta una reforma previsional que reconoce una verdad demográfica ineludible: los sistemas de retiro diseñados para otra época no pueden sostenerse indefinidamente cuando la longevidad crece y la proporción entre activos y pasivos se estrecha. La propuesta, gestada en negociación con sindicatos, eleva gradualmente la edad jubilatoria y redistribuye cargas entre quienes más ganan, buscando equilibrar la sostenibilidad del fondo con la protección de los derechos ya conquistados. Es un movimiento que Entre Ríos hace primero, pero que refleja una tensión que atraviesa sistemas previsionales en todo el mundo.
- El sistema previsional entrerriano enfrenta una crisis estructural silenciosa: hay apenas 1,9 trabajadores activos por cada jubilado, y los pasivos crecieron el doble de rápido que los aportantes en la última década.
- La reforma propone subir la edad de retiro a 65 años para empleados actuales y a 68 para los nuevos ingresantes, con períodos de transición de hasta 20 años para no golpear a quienes están cerca de jubilarse.
- Solo el 4% de los empleados —aquellos que cobran más de tres millones de pesos— pagarán un aporte extraordinario solidario, de carácter progresivo y temporal.
- Los sindicatos, encabezados por UPCN, no respaldaron la reforma pero reconocieron que negociar fue más productivo que protestar, y admitieron que el fondo es insostenible en su forma actual.
- El proyecto ingresa a las cámaras legislativas provinciales en un contexto político más amplio: el presidente Milei propone elevar la edad jubilatoria a 70 años a nivel nacional, y Entre Ríos se mueve primero.
El gobernador Rogelio Frigerio envía a la legislatura provincial un proyecto de reforma previsional que eleva gradualmente la edad de jubilación, modifica el cálculo de los beneficios y crea un aporte extraordinario para los salarios más altos. La iniciativa llega tras semanas de negociación con sindicatos y actores del sistema, y el gobierno asegura que incorpora modificaciones surgidas de esas conversaciones.
El cambio central es la suba de la edad de retiro a 65 años para los empleados estatales actuales, con una transición de entre cinco y veinte años para proteger a quienes están próximos a jubilarse. Los nuevos ingresantes deberán esperar hasta los 68. El gobierno argumenta que la provincia no modificó su edad jubilatoria desde 1993 y que, comparada con más de 110 sistemas previsionales del mundo, Entre Ríos se ubica entre los de menor edad de retiro.
El jefe de UPCN, José Ángel Allende, ofreció una respuesta mesurada: sin avalar la reforma, reconoció que negociar dio más resultados que protestar, y admitió la dura realidad del fondo. La ecuación es clara: 1,9 trabajadores activos por cada jubilado, con los pasivos creciendo al doble de ritmo que los aportantes en la última década.
El proyecto preserva derechos adquiridos: los jubilados actuales no pierden beneficios, se mantiene el 82% móvil vinculado al salario bruto y los ajustes seguirán atados a las paritarias estatales. Los regímenes especiales subsisten, aunque sus beneficiarios deben seguir aportando hasta alcanzar la edad estándar. El nuevo aporte extraordinario solidario alcanzará solo al 4% de los empleados, y se amplía la base de cálculo del haber inicial a 240 meses para evitar distorsiones por ascensos o reclasificaciones cercanas al retiro.
Frigerio, aliado de Milei, avanza esta reforma mientras el presidente propone elevar la edad jubilatoria a 70 años a nivel nacional. Entre Ríos se mueve primero, con el proyecto ingresando ahora al proceso legislativo en ambas cámaras provinciales.
Governor Rogelio Frigerio of Entre Ríos is sending a pension reform bill to the provincial legislature that will gradually raise the retirement age, restructure how benefits are calculated, and impose an extraordinary contribution on the highest earners. The proposal comes after weeks of negotiation with union representatives and pension system stakeholders, and Frigerio's office says it incorporates modifications that emerged from those talks.
The central change is a gradual increase in the retirement age for current state employees to 65 years, with a transition period stretching between five and twenty years to shield workers close to retirement from immediate changes. New state employees hired after the law passes would face a retirement age of 68. The government argues this adjustment reflects increased life expectancy and improves the financial sustainability of the pension fund. It notes that Entre Ríos has not changed its retirement age since 1993 and that, by comparison with more than 110 pension systems worldwide, the province sits among those with the lowest retirement ages.
José Ángel Allende, head of the UPCN union, offered a measured response. While stopping short of endorsing the reform, he acknowledged that sitting down to negotiate produced more tangible results than public protest. He also conceded a harder truth: the pension fund, in its current form, cannot sustain itself. The system faces a structural problem. Currently, there are 1.9 active workers for every retiree—a ratio the government considers unsustainable. Over the past decade, the number of pensioners grew by 40 percent while the number of contributors rose only 25 percent.
The government has promised to protect acquired rights. Current retirees will not lose benefits. The reform maintains the 82 percent mobile benefit—a calculation tied to gross salary—and keeps pension adjustments linked to state worker wage agreements. Special retirement regimes will not be eliminated, though workers accessing those programs must continue contributing until they reach the standard retirement age.
The bill introduces a new extraordinary solidarity contribution, progressive and temporary, for workers earning above three million pesos monthly. Only about 4 percent of employees will be affected. The government will also expand the calculation base for initial retirement benefits from the current period to 240 months, designed to prevent distortions from promotions or reclassifications near retirement. The 82 percent mobile guarantee remains in place.
Frigerio, a PRO member and Milei ally, is advancing this reform as part of a broader national effort. The president has proposed raising the retirement age to 70 at the federal level. Entre Ríos is moving first. The province also maintains a claim before the Supreme Court for funds owed by ANSES related to pension financing. The bill now enters the legislative process in both provincial chambers.
Notable Quotes
Sitting down to discuss produced more tangible results than public protest, though we do not endorse the reform.— José Ángel Allende, UPCN union leader
The pension fund, as it currently exists, cannot sustain itself—it will collapse.— José Ángel Allende, UPCN union leader
The Hearth Conversation Another angle on the story
Why does a province that hasn't touched retirement age since 1993 suddenly need to act now?
The math broke. One worker supporting less than two retirees is not sustainable. When you add that the pensioner population grew 40 percent in a decade while contributors grew only 25, you're looking at a system that will collapse without intervention.
But couldn't they just raise contributions instead of raising the age?
They're doing both. The extraordinary contribution on high earners is part of it. But contributions alone can't close a gap that wide. The government sees the age increase as the structural fix.
The unions negotiated this. Does that mean they support it?
Not quite. Allende said negotiating was better than protesting, and he acknowledged the fund itself is in crisis. But he was careful not to say yes to the reform. He was saying: we see the problem is real, we tried to shape the solution, but we're not endorsing it.
What about people who are almost retired? Don't they get hit hard?
That's why the transition is so long—five to twenty years. If you're close to 65 now, you might retire at 65. If you're younger, the age climbs gradually. It's designed to avoid shocking anyone already in the system.
And new hires have to work until 68?
Yes. The government is essentially saying: current workers get a gentler path, but we're resetting the baseline for anyone coming in after this law passes. That's where the real change takes hold.
Is this just Entre Ríos, or part of something bigger?
It's a test case. Milei wants to raise the national retirement age to 70. Frigerio is his ally, and Entre Ríos is moving first. If this passes, it signals what might come federally.